Blue Cross CareForYou Super Flexi Plan for VHIS is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00043-04-000-02. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$5,456 |
| 45 | HK$11,106 |
| 60 | HK$23,023 |
| 75 | HK$41,451 |
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$420,000 |
| Lifetime limit | None |
| Room and board | HK$800 |
| Hospital charges | HK$14,000 |
| Doctor's visits | HK$750 |
| Specialist fees | HK$4,300 |
| Intensive care | HK$3,500 |
| Surgeon's fee | HK$50,000 |
| 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$3,000 |
| 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.13 |
|---|---|
| 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 period if benefits paid, otherwise 30-day notice required p.4 |
| Switching from another plan | Switching to another plan is possible; re-underwriting applies for upgrades, discretion for downgrades p.14 |
| Room class | ward p.32 |
| If a higher room is used | If designated ward class is ward: Semi-private Room 50% adjustment; Private Room 25% adjustment; Any ward class above Private Room 12.5% adjustment p.55 |
| Geographical cover | worldwide excluding psychiatric treatment p.18 |
| Psychiatric treatment area | Hong Kong only p.21 |
| Emergency treatment abroad | Covered worldwide, emergency outpatient treatment up to HKD 2,500 per Policy Year p.32 |
| Full cover on core benefits | partial p.32 |
| Annual limit | Unlimited for age 75 or below; HKD 420,000 for age 76 or above p.32 |
| Lifetime limit | none p.18 |
| Deductible options | none |
| Coinsurance | 20% for supplementary medical benefit; 30% for Prescribed Diagnostic Imaging Tests p.32 |
| Pre-admission outpatient | 2 visits per Confinement/Day Case Procedure, HKD 3,000 per Policy Year p.32 |
| Post-discharge outpatient | All related follow-up visits within 90 days after discharge, HKD 3,000 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 50,000 per Policy Year for regular haemodialysis or peritoneal dialysis p.32 |
| Day case procedures | Covered as in-patient for Medically Necessary surgical procedures p.18 |
| Home nursing | HKD 800 per day, maximum 90 days per Policy Year, at home within 180 days post-discharge p.32 |
| Hospice care | none p.27 |
| Chinese medicine | HKD 150 per visit, max 5 visits per Confinement/Day Case Procedure within 90 days post-discharge p.32 |
| Physiotherapy | Covered during Confinement and as follow-up outpatient care within 90 days post-discharge, subject to overall limits 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 400 per day, maximum 45 days per Policy Year p.32 |
| Companion bed | HKD 800 per day, maximum 90 days per Policy Year p.32 |
| Second medical opinion | not available |
| 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 | dependence, overdose or influence of drugs, alcohol, narcotics; purchase of durable medical equipment or appliances; traditional Chinese medicine treatment and other alternative treatments 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$7,065 to HK$11,106.
| 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 D with SMM (with 20% Coinsurance) | None | For Insured Person, at Age of 75 or below: Nil; at Age of 76 or above: HKD420,000 per Policy Year | |
| Plan D with SMM (with 20% Coinsurance) | None | For Insured Person, at Age of 75 or below: Nil; at Age of 76 or above: HKD420,000 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.