Well Link Well Protect Voluntary Health Insurance Scheme (Flexi) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00042-03-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$9,807 |
| 45 | HK$20,733 |
| 60 | HK$31,911 |
| 75 | HK$68,512 |
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$30,000 |
| 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$40,000 |
| Non-surgical cancer treatment | HK$150,000 |
| Outpatient before and after | HK$8,000 |
| Psychiatric treatment | HK$50,000 |
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 p.17 |
| Cancellation and refund | Full refund within 21-day cooling-off period; no refund after cooling-off unless due to death of Insured Person or company ceasing authorization (pro-rata refund) p.4 |
| Switching from another plan | Switching to another plan with upgraded benefits is subject to re-underwriting for the upgraded benefits p.12 |
| Room class | Standard Private p.2 |
| 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, home nursing, outpatient kidney dialysis, and day case cash benefit p.14 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | Covered for accident only, up to HKD 16,000 per Policy Year p.1 |
| Full cover on core benefits | no p.1 |
| Annual limit | HKD 1,650,000 p.3 |
| Lifetime limit | none p.3 |
| Deductible options | none |
| How the deductible applies | per Policy Year p.21 |
| Coinsurance | 20% for supplementary major medical p.1 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to HKD 1,000 per visit, up to HKD 8,000 per Policy Year p.1 |
| Post-discharge outpatient | 3 follow-up visits within 90 days after discharge, up to HKD 1,000 per visit, up to HKD 8,000 per Policy Year. Supplementary major medical covers 4th to 31st visit within 90 days, up to HKD 1,000 per visit. p.1 |
| General outpatient | none |
| Psychiatric treatment | HKD 50,000 per Policy Year p.1 |
| Diagnostic imaging coinsurance | 30% p.1 |
| Non-surgical cancer treatment | HKD 150,000 per Policy Year p.1 |
| Kidney dialysis | Covered up to HKD 150,000 per Policy Year in Asia Pacific p.1 |
| Day case procedures | Covered as in-patient for many benefits; cash benefit of HKD 1,200 per procedure p.2 |
| Home nursing | HKD 1,600 per visit, 1 visit per day, max 30 visits per Policy Year, within 90 days after discharge, in Asia Pacific p.1 |
| Hospice care | none p.22 |
| Chinese medicine | none p.19 |
| Physiotherapy | Covered during confinement under miscellaneous charges, and as part of pre- and post-confinement outpatient care p.16 |
| Congenital conditions | Covered from 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 | HKD 1,200 per Day Case Procedure p.2 |
| Companion bed | none p.30 |
| Second medical opinion | none |
| Direct billing and pre-authorisation | none |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | expenses for purchase of durable medical equipment or appliances; expenses for hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy 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$20,733 to HK$20,733.
| 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.