Blue Cross CareForYou Super Flexi Plan for VHIS is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00043-01-001-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$22,019 |
| 45 | HK$39,258 |
| 60 | HK$77,556 |
| 75 | HK$147,929 |
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 within 21-day cooling-off period; no refund after cooling-off if policyholder cancels p.4 |
| Switching from another plan | Switching to another plan with upgraded benefits may involve re-underwriting; switching to downgraded benefits does not involve re-underwriting but is subject to company discretion p.14 |
| Room class | not restricted p.17 |
| If a higher room is used | If a higher room class than designated private room is used, reimbursement is subject to ward class adjustment factors: Semi-private Room 50%, Ward Private Room 25%, Any ward class above Private Room 12.5% p.53 |
| Geographical cover | worldwide p.17 |
| Psychiatric treatment area | Hong Kong only p.21 |
| Emergency treatment abroad | Covered worldwide, Emergency outpatient treatment limit HKD 15,000 per Policy Year p.17 |
| Full cover on core benefits | partial, core benefits have per-item caps, but excess expenses are covered by supplementary medical benefit up to HKD 600,000 per Policy Year p.32 |
| Annual limit | unlimited for age 75 or below, HKD 830,000 for age 76 or above p.32 |
| Lifetime limit | none p.32 |
| Deductible options | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests p.32 |
| Pre-admission outpatient | 2 visits per Confinement/Day Case Procedure, limit HKD 10,800 per Policy Year p.32 |
| Post-discharge outpatient | All related follow-up visits within 90 days after discharge/Day Case Procedure, limit HKD 10,800 per Policy Year p.32 |
| General outpatient | none |
| Psychiatric treatment | HKD 40,000 per Policy Year p.32 |
| Diagnostic imaging coinsurance | 30% p.32 |
| Non-surgical cancer treatment | HKD 120,000 per Policy Year p.32 |
| Kidney dialysis | HKD 120,000 per Policy Year p.32 |
| Day case procedures | Covered as in-patient for various benefits, Outpatient surgery cash allowance HKD 1,000 per Day Case Procedure p.32 |
| Home nursing | HKD 3,400 per day, maximum 90 days per Policy Year, for nursing at home within 180 days post-discharge p.32 |
| Hospice care | none p.26 |
| Chinese medicine | HKD 200 per visit, max 5 visits per Confinement/Day Case Procedure within 90 days post-discharge p.32 |
| Physiotherapy | Covered during Confinement and as post-discharge outpatient care within overall limits p.19 |
| 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.32 |
| Companion bed | HKD 3,400 per day, maximum 90 days per Policy Year p.32 |
| No-claim discount | 5% for 1-2 years, 10% for 3-4 years, 15% for 5+ years of no claims p.57 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only 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$24,981 to HK$39,258.
| 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 with SMM (No Coinsurance) | None | For Insured Person, at Age of 75 or below: Nil; at Age of 76 or above: HKD830,000 per Policy Year | |
| Plan A with SMM (No Coinsurance) | 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.