Blue Cross CareForYou Super Flexi Plan for VHIS is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00043-01-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$16,068 |
| 45 | HK$27,871 |
| 60 | HK$56,369 |
| 75 | HK$102,554 |
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$830,000 |
| Lifetime limit | None |
| Room and board | HK$4,000 |
| Hospital charges | HK$42,000 |
| Doctor's visits | HK$4,000 |
| Specialist fees | HK$10,000 |
| Intensive care | HK$10,000 |
| Surgeon's fee | HK$150,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$40,000 |
| Non-surgical cancer treatment | HK$120,000 |
| Outpatient before and after | HK$10,800 |
| Psychiatric treatment | HK$40,000 |
Also includes outpatient general, chinese medicine, a companion bed, hospital cash, rehabilitation, kidney dialysis.
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 | lifetime p.12 |
|---|---|
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.21 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period. After cooling-off, cancellation with 30 days notice if no benefit paid, no refund mentioned. p.4 |
| Switching from another plan | Switching to another plan with upgrade/addition of benefits is subject to re-underwriting limited to such benefits. Switching to downgrade/reduction of benefits is at company's discretion. p.14 |
| Room class | not restricted p.17 |
| If a higher room is used | If a higher ward class than designated is chosen, the supplementary medical benefit is subject to ward class adjustment factors: Semi-private Room (Ward designated) 50%; Private Room (Ward designated) 25%; Any ward class above Private Room (Ward designated) 12.5%; Private Room (Semi-private Room designated) 50%; Any ward class above Private Room (Semi-private Room designated) 25%; Any ward class above Private Room (Private Room designated) 50%. p.55 |
| Geographical cover | worldwide p.17 |
| Psychiatric treatment area | Hong Kong only p.21 |
| Emergency treatment abroad | covered worldwide p.17 |
| Full cover on core benefits | no p.33 |
| Annual limit | Unlimited for age 75 or below; HKD 830,000 per Policy Year for age 76 or above p.33 |
| Lifetime limit | none p.33 |
| Deductible options | none |
| How the deductible applies | none |
| Coinsurance | none (except for Prescribed Diagnostic Imaging Tests) p.33 |
| Pre-admission outpatient | 2 visits per Confinement/Day Case Procedure, up to HKD 10,800 per Policy Year p.33 |
| Post-discharge outpatient | All related follow-up outpatient visits within 90 days after discharge or Day Case Procedure, up to HKD 10,800 per Policy Year p.33 |
| General outpatient | none |
| Psychiatric treatment | HKD 40,000 per Policy Year p.33 |
| Diagnostic imaging coinsurance | 30% p.33 |
| Non-surgical cancer treatment | HKD 120,000 per Policy Year p.33 |
| Kidney dialysis | HKD 120,000 per Policy Year p.33 |
| Day case procedures | Covered as in-patient, with specific limits per item. Outpatient surgery cash allowance of HKD 1,000 per procedure for specified procedures. p.33 |
| Home nursing | HKD 3,400 per day, maximum 90 days per Policy Year, for private nurse at home within 180 days post-discharge p.33 |
| Hospice care | none |
| Chinese medicine | Post-Confinement/Day Case Procedure outpatient care: HKD 200 per visit, 1 visit per day, max 5 visits per Confinement/Day Case Procedure within 90 days post-discharge p.33 |
| Physiotherapy | During Confinement under Miscellaneous charges (HKD 42,000 per Policy Year); Post-discharge outpatient under Pre- and post-Confinement/Day Case Procedure outpatient care (HKD 10,800 per Policy Year) p.33 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | none p.23 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.23 |
| Hospital cash | HKD 1,700 per day, maximum 45 days per Policy Year p.33 |
| Companion bed | HKD 3,400 per day, maximum 90 days per Policy Year p.33 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | Yes, 5% for 1-2 years no claim, 10% for 3-4 years no claim, 15% for 5+ years no claim p.57 |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment (except post-confinement outpatient); Venereal and sexually transmitted diseases p.22 |
At a constant age of 45, Blue Cross has filed 5 schedule changes on this plan since 2021, an average of +7.1% a year, taking the premium from HK$17,736 to HK$27,871.
| Year | Change |
|---|---|
| 2022 | +5.0% |
| 2023 | +8.0% |
| 2024 | +13.0% |
| 2025 | +12.5% |
| 2026 | +9.0% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Plan A | None | For Insured Person, at Age of 75 or below: Nil; at Age of 76 or above: HKD830,000 per Policy Year | |
| Plan A | None | For Insured Person, at Age of 75 or below: Nil; at Age of 76 or above: HKD830,000 per Policy Year |
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.