Well Link Well Protect Voluntary Health Insurance Scheme (Flexi) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00042-02-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,125 |
| 45 | HK$12,125 |
| 60 | HK$18,515 |
| 75 | HK$41,180 |
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 | Semi-private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$800,000 |
| Lifetime limit | None |
| Room and board | HK$2,200 |
| Hospital charges | HK$20,000 |
| Doctor's visits | HK$1,600 |
| Specialist fees | HK$6,000 |
| Intensive care | HK$6,000 |
| Surgeon's fee | HK$80,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$30,000 |
| Non-surgical cancer treatment | HK$120,000 |
| Outpatient before and after | HK$6,000 |
| Psychiatric treatment | HK$40,000 |
Also includes outpatient general, home nursing, a companion bed, hospital cash, kidney dialysis, a death benefit.
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.10 |
|---|---|
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.17 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period p.4 |
| Switching from another plan | Switching to another plan is possible; re-underwriting for upgrades, discretion to accept/reject for downgrades without re-underwriting. p.12 |
| Room class | Semi-Private p.29 |
| If a higher room is used | Adjustment factors apply: Ward to Semi-Private 50%, Ward to Standard Private or higher 25%, Semi-Private to Standard Private 50%, Semi-Private to higher 25%, Standard Private to higher 50%. p.28 |
| Geographical cover | Worldwide, with exceptions for psychiatric treatment, post-Confinement home nursing, outpatient kidney dialysis, and cash benefit for Day Case Procedure. p.14 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | Covered worldwide, subject to annual limit. p.14 |
| Full cover on core benefits | no p.29 |
| Annual limit | 1,020,000 p.29 |
| Lifetime limit | none p.31 |
| Deductible options | none |
| How the deductible applies | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; 20% for Supplementary major medical p.29 |
| Pre-admission outpatient | 1 visit prior to Confinement/Day Case Procedure, $800 per visit, up to $6,000 per Policy Year p.29 |
| Post-discharge outpatient | 3 follow-up visits within 90 days after discharge/Day Case Procedure, $800 per visit, up to $6,000 per Policy Year p.29 |
| General outpatient | none |
| Psychiatric treatment | 40000 p.29 |
| Diagnostic imaging coinsurance | 30% p.29 |
| Non-surgical cancer treatment | 120000 p.29 |
| Kidney dialysis | Outpatient kidney dialysis covered up to $100,000 per Policy Year in Asia Pacific p.29 |
| Day case procedures | Covered as in-patient, plus $700 cash benefit per Day Case Procedure in Asia Pacific p.30 |
| Home nursing | $800 per visit, up to 30 visits per Policy Year, in Asia Pacific p.29 |
| Hospice care | none p.22 |
| Chinese medicine | none p.19 |
| Physiotherapy | Covered during Confinement under miscellaneous charges; covered under post-discharge outpatient care p.16 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.20 |
| Pregnancy complications | none p.19 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.19 |
| Hospital cash | $700 per Day Case Procedure p.30 |
| Companion bed | none p.30 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine and other alternative treatments p.18 |
At a constant age of 45, Well Link has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$12,125 to HK$12,125.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | no change |
| 2025 | no change |
| 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.