Blue Cross CareForYou Super Flexi Plan for VHIS is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00043-02-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$9,085 |
| 45 | HK$17,906 |
| 60 | HK$36,108 |
| 75 | HK$62,940 |
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$540,000 |
| Lifetime limit | None |
| Room and board | HK$2,200 |
| Hospital charges | HK$27,500 |
| Doctor's visits | HK$2,200 |
| Specialist fees | HK$7,400 |
| Intensive care | HK$6,600 |
| Surgeon's fee | HK$120,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$30,000 |
| Non-surgical cancer treatment | HK$100,000 |
| Outpatient before and after | HK$8,800 |
| Psychiatric treatment | HK$35,000 |
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 if no benefit paid. After cooling-off, cancellation with 30 days notice if no benefit paid. Pro-rata refund for current policy year upon death of insured or company ceasing authorization. p.4 |
| Switching from another plan | Switching to another plan with upgraded benefits may involve re-underwriting for the upgraded benefits. Switching to a plan with downgraded benefits does not involve re-underwriting but is at the company's discretion. p.14 |
| Room class | not restricted p.18 |
| If a higher room is used | If confined in a higher ward class than designated, a ward class adjustment factor (coinsurance) applies: Semi-private Room (Ward) 50%; Private Room (Ward) 25%; Any above Private Room (Ward) 12.5%; Private Room (Semi-private Room) 50%; Any above Private Room (Semi-private Room) 25%; Any above Private Room (Private Room) 50%. p.55 |
| Geographical cover | worldwide p.18 |
| Psychiatric treatment area | Hong Kong only p.21 |
| Emergency treatment abroad | Covered worldwide, no specific limit stated beyond general benefit limits. p.18 |
| Full cover on core benefits | no p.32 |
| Annual limit | Nil for age 75 or below; HKD 540,000 per Policy Year for age 76 or above p.33 |
| Lifetime limit | none p.18 |
| How the deductible applies | per Policy Year p.25 |
| Coinsurance | none |
| Pre-admission outpatient | 2 prior outpatient visits or emergency consultations per confinement/day case procedure p.32 |
| Post-discharge outpatient | All related follow-up outpatient visits within 90 days after discharge or day case procedure p.32 |
| General outpatient | none |
| Psychiatric treatment | HKD 35,000 per Policy Year p.32 |
| Diagnostic imaging coinsurance | 30% p.32 |
| Non-surgical cancer treatment | HKD 100,000 per Policy Year p.32 |
| Kidney dialysis | Covered, HKD 100,000 per Policy Year p.32 |
| Day case procedures | Covered as in-patient for various benefits; Outpatient surgery cash allowance of HKD 1,000 per procedure for specific day case procedures. p.32 |
| Home nursing | HKD 2,040 per day, maximum 90 days per Policy Year, for private nurse fees at home within 180 days post-discharge. p.32 |
| Hospice care | none p.26 |
| Chinese medicine | Post-confinement/day case procedure outpatient care: HKD 180 per visit, max 5 visits per confinement/day case procedure within 90 days post-discharge. p.32 |
| Physiotherapy | Covered during confinement under miscellaneous charges; covered for follow-up outpatient visits within 90 days post-discharge. p.19 |
| Congenital conditions | Covered from 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 1,010 per day, maximum 45 days per Policy Year p.33 |
| Companion bed | HKD 2,040 per day, maximum 90 days per Policy Year, for one extra bed for an immediate family member. p.32 |
| 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 | Not Medically Necessary services; Venereal and sexually transmitted disease or its sequelae; Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other forms of alternative treatment. 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$11,393 to HK$17,906.
| 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 B | None | For Insured Person, at Age of 75 or below: Nil; at Age of 76 or above: HKD540,000 per Policy Year | |
| Plan B | None | For Insured Person, at Age of 75 or below: Nil; at Age of 76 or above: HKD540,000 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.