Blue Cross CareForYou Super Flexi Plan for VHIS is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00043-01-002-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$20,532 |
| 45 | HK$36,411 |
| 60 | HK$72,261 |
| 75 | HK$136,588 |
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.22 |
| Waiting period | none |
| Cancellation and refund | full refund within 21-day cooling-off period if no benefits paid; no refund after cooling-off period p.4 |
| Switching from another plan | possible to switch to another plan; re-underwriting applies for upgrades, discretion for downgrades p.13 |
| Room class | not restricted p.17 |
| If a higher room is used | 50% reduction if using a ward class above Private Room p.53 |
| 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 | partial 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 | 20% on supplementary medical benefit p.32 |
| Pre-admission outpatient | 2 visits per confinement/day case procedure, capped at HKD 10,800 per Policy Year p.32 |
| Post-discharge outpatient | all related follow-up visits within 90 days after discharge/day case procedure, capped at 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; cash allowance of HKD 1,000 for specific day case procedures p.32 |
| Home nursing | HKD 3,400 per day, maximum 90 days per Policy Year p.32 |
| Hospice care | none p.26 |
| Chinese medicine | HKD 200 per visit, 1 visit per day, maximum 5 visits per confinement/day case procedure within 90 days p.32 |
| Physiotherapy | covered during confinement under miscellaneous charges; covered for follow-up outpatient visits within 90 days post-discharge under pre- and post-confinement care p.19 |
| Congenital conditions | covered if manifested or diagnosed after age 8 p.24 |
| Pregnancy complications | none p.24 |
| Emergency dental | covered for emergency treatment and surgery during confinement arising from an accident p.24 |
| 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 | Not Medically Necessary; Venereal and sexually transmitted disease; Purchase of durable medical equipment p.23 |
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$23,169 to HK$36,411.
| 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 (with 20% 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 (with 20% 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.