Blue Cross CareForYou Super Flexi Plan for VHIS is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00043-02-002-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$11,715 |
| 45 | HK$22,904 |
| 60 | HK$45,340 |
| 75 | HK$82,425 |
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.22 |
| Waiting period | none |
| Cancellation and refund | full refund within 21-day cooling-off period; no refund after cooling-off if benefits paid p.4 |
| Switching from another plan | re-underwriting for upgrade/addition of benefits; discretion to accept/reject for downgrade/reduction of benefits without re-underwriting p.14 |
| Room class | not restricted p.17 |
| If a higher room is used | Reimbursement percentage replaced by ward class adjustment factors: Semi-private Room to Ward 50%, Private Room 25%, Any ward class above Private Room 12.5%; Private Room to Semi-private Room 50%, Any ward class above Private Room 25%; Any ward class above Private Room to Private Room 50%. p.53 |
| Geographical cover | worldwide p.17 |
| Psychiatric treatment area | Hong Kong only p.21 |
| Emergency treatment abroad | covered, no specific limit stated p.17 |
| Full cover on core benefits | partial p.32 |
| Annual limit | unlimited for age 75 or below, HKD 540,000 for age 76 or above p.32 |
| Lifetime limit | none p.17 |
| How the deductible applies | per policy year p.25 |
| Coinsurance | 20% p.32 |
| Pre-admission outpatient | 2 visits per Confinement/Day Case Procedure, HKD 8,800 per Policy Year p.32 |
| Post-discharge outpatient | all related follow-up visits within 90 days after discharge, HKD 8,800 per Policy Year 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 | HKD 100,000 per Policy Year for regular haemodialysis or peritoneal dialysis p.32 |
| Day case procedures | covered as in-patient for various benefits; HKD 1,000 cash allowance for specific procedures p.32 |
| Home nursing | HKD 2,040 per day, maximum 90 days per Policy Year, at home within 180 days following discharge p.32 |
| Hospice care | none p.26 |
| Chinese medicine | HKD 180 per visit, max 5 visits per Confinement/Day Case Procedure within 90 days after discharge p.32 |
| Physiotherapy | covered during Confinement under Miscellaneous charges; covered post-discharge under Pre- and post-Confinement/Day Case Procedure outpatient care p.19 |
| Congenital conditions | not covered if manifested or diagnosed before 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 1,010 per day, maximum 45 days per Policy Year p.32 |
| 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 | 5% for 1-2 no claim years, 10% for 3-4 no claim years, 15% for 5+ no claim years p.57 |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); Purchase of durable medical equipment or appliances; General traditional Chinese medicine treatment; Alternative treatments (hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy) 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$14,573 to HK$22,904.
| 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 with SMM (with 20% Coinsurance) | None | For Insured Person, at Age of 75 or below: Nil; at Age of 76 or above: HKD540,000 per Policy Year | |
| Plan B with SMM (with 20% Coinsurance) | 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.