Blue Cross CareForYou Super Flexi Plan for VHIS is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00043-03-001-02. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$7,386 |
| 45 | HK$14,590 |
| 60 | HK$29,406 |
| 75 | HK$54,382 |
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 | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$540,000 |
| Lifetime limit | None |
| Room and board | HK$1,000 |
| Hospital charges | HK$22,000 |
| Doctor's visits | HK$1,000 |
| Specialist fees | HK$6,300 |
| Intensive care | HK$5,600 |
| Surgeon's fee | HK$90,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$80,000 |
| Outpatient before and after | HK$4,800 |
| Psychiatric treatment | HK$30,000 |
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 if cancelled within 21-day cooling-off period, provided no benefit payment has been made. p.4 |
| Switching from another plan | Switching to another plan with downgrade or reduction of benefits does not trigger re-underwriting, but is subject to company discretion. p.14 |
| Room class | not restricted p.18 |
| If a higher room is used | If designated ward class is Ward: Semi-private Room 50% reimbursement, Private Room 25% reimbursement, Any ward class above Private Room 12.5% reimbursement. Exceptions apply for unavailability, isolation, or non-preference reasons. p.55 |
| Geographical cover | worldwide p.18 |
| Psychiatric treatment area | Hong Kong only p.21 |
| Emergency treatment abroad | Covered worldwide, subject to annual limit p.18 |
| Full cover on core benefits | no p.32 |
| Annual limit | Nil for age 75 or below; HKD 540,000 for age 76 or above p.33 |
| Lifetime limit | none p.18 |
| Deductible options | none p.32 |
| Coinsurance | none p.32 |
| Pre-admission outpatient | 2 visits per confinement/day case procedure, cap HKD 4,800 per policy year p.32 |
| Post-discharge outpatient | All related follow-up visits within 90 days after discharge/day case procedure, cap HKD 4,800 per policy year p.32 |
| General outpatient | none |
| Psychiatric treatment | HKD 30,000 per Policy Year p.32 |
| Diagnostic imaging coinsurance | 30% p.32 |
| Non-surgical cancer treatment | HKD 80,000 per Policy Year p.32 |
| Kidney dialysis | Covered up to HKD 80,000 per Policy Year p.32 |
| Day case procedures | Covered as in-patient, individual benefit limits apply. Cash allowance of HKD 1,000 per procedure for specified day case procedures. p.18 |
| Home nursing | HKD 860 per day, maximum 90 days per policy year p.32 |
| Hospice care | none p.26 |
| Chinese medicine | Post-confinement/day case procedure outpatient care: HKD 150 per visit, max 1 visit per day, max 5 visits per confinement/day case procedure within 90 days. p.24 |
| Physiotherapy | Covered during confinement and as part of post-discharge outpatient care, subject to limits of respective benefit items. p.19 |
| Congenital conditions | Excluded if manifested or diagnosed before 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 425 per day, maximum 45 days per policy year p.33 |
| Companion bed | HKD 860 per day, maximum 90 days per policy year p.32 |
| No-claim discount | 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 | standard VHIS exclusions only 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$9,282 to HK$14,590.
| 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 C with SMM (No Coinsurance) | None | For Insured Person, at Age of 75 or below: Nil; at Age of 76 or above: HKD540,000 per Policy Year | |
| Plan C with SMM (No 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.