Hong Kong Life Health Supreme Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00039-03-001-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$15,063 |
| 45 | HK$25,352 |
| 60 | HK$40,412 |
| 75 | HK$71,289 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$1,200,000 |
| Lifetime limit | None |
| Room and board | HK$4,000 |
| Hospital charges | HK$35,000 |
| Doctor's visits | HK$4,000 |
| Specialist fees | HK$12,000 |
| Intensive care | HK$10,000 |
| Surgeon's fee | HK$120,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$50,000 |
| Non-surgical cancer treatment | HK$160,000 |
| Outpatient before and after | HK$6,000 |
| Psychiatric treatment | HK$1,200,000 |
Also includes outpatient general, maternity, chinese medicine, home nursing, a companion bed, hospital cash, rehabilitation, kidney dialysis, a death benefit, no claim.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | 100 p.17 |
|---|---|
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.29 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period; cancellation after cooling-off with 30 days notice if no claims in policy year p.5 |
| Switching from another plan | Switching to another plan is possible; re-underwriting for upgrades, company discretion for downgrades p.19 |
| Room class | Private Room p.59 |
| If a higher room is used | Eligible Excess Expenses reduced by 25% if using a room with amenities upgraded beyond a Private Room p.50 |
| Geographical cover | worldwide excluding psychiatric treatment p.24 |
| Psychiatric treatment area | Hong Kong only p.29 |
| Emergency treatment abroad | covered worldwide p.24 |
| Full cover on core benefits | no p.58 |
| Annual limit | 1,200,000 HKD per Policy Year p.58 |
| Lifetime limit | none p.24 |
| Deductible options | none |
| How the deductible applies | none |
| Coinsurance | none |
| Pre-admission outpatient | 1 visit prior to admission, up to 1,200 HKD per visit p.58 |
| Post-discharge outpatient | 3 visits within 90 days after discharge, up to 1,200 HKD per visit p.58 |
| General outpatient | none |
| Psychiatric treatment | 40,000 HKD per Policy Year p.58 |
| Diagnostic imaging coinsurance | 30% p.58 |
| Non-surgical cancer treatment | 160,000 HKD per Policy Year p.58 |
| Kidney dialysis | 150,000 HKD per Policy Year p.59 |
| Day case procedures | Covered as in-patient for various benefits; 1,600 HKD cash benefit per surgery p.60 |
| Home nursing | 1,520 HKD per visit, max 15 visits per Policy Year within 30 days post-surgery p.59 |
| Hospice care | none p.37 |
| Chinese medicine | 1,000 HKD per visit, max 15 visits per Policy Year for Designated Cancer within 30 days post-discharge/treatment p.59 |
| Physiotherapy | Covered during confinement and for 3 follow-up outpatient visits within 90 days post-discharge p.26 |
| Congenital conditions | Covered from age 8 p.33 |
| Pregnancy complications | Covered for specific complications after 12 months waiting period, limits as per basic and enhanced benefits p.47 |
| Emergency dental | Covered for emergency treatment and surgery during confinement due to accident p.32 |
| Hospital cash | 1,600 HKD per day case surgery p.60 |
| Companion bed | 750 HKD per day, max 90 days per Policy Year p.59 |
| Direct billing and pre-authorisation | not offered, reimbursement basis only p.2 |
| No-claim discount | 10% after 2 claim-free years, 16% after 5 claim-free years p.56 |
| Exclusions beyond the VHIS standard list | Not Medically Necessary treatments; Purchase of durable medical equipment; Traditional Chinese medicine p.31 |
At a constant age of 45, Hong Kong Life has filed 2 schedule changes on this plan since 2021, an average of +2.1% a year, taking the premium from HK$21,950 to HK$25,352.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | +10.0% |
| 2025 | +5.0% |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.