Zurich HealthFlexi Voluntary Health Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00044-01-001-02. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$5,016 |
| 45 | HK$8,508 |
| 60 | HK$14,940 |
| 75 | HK$27,492 |
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$550,000 |
| Lifetime limit | None |
| Room and board | HK$900 |
| Hospital charges | HK$16,000 |
| Doctor's visits | HK$900 |
| Specialist fees | HK$6,000 |
| Intensive care | HK$3,500 |
| Surgeon's fee | HK$54,000 |
| 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 home nursing, a companion bed, kidney dialysis, a death benefit.
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 | 100 p.18 |
|---|---|
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.34 |
| Waiting period | none |
| Cancellation and refund | full refund within 21-day cooling-off period if no benefit payment p.6 |
| Switching from another plan | switching to another plan with downgrade/reduction of benefits is at company's discretion without re-underwriting p.21 |
| Room class | not restricted p.28 |
| If a higher room is used | not applicable p.28 |
| Geographical cover | worldwide excluding psychiatric treatment p.27 |
| Psychiatric treatment area | Hong Kong only p.33 |
| Emergency treatment abroad | covered worldwide p.27 |
| Full cover on core benefits | no p.58 |
| Annual limit | 550000 p.60 |
| Lifetime limit | none p.60 |
| Deductible options | not stated in this document |
| How the deductible applies | per policy year p.40 |
| Coinsurance | none |
| Pre-admission outpatient | 2 visits per confinement/day case procedure, $580 per visit, up to $3,000 per Policy Year p.58 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/day case procedure, $580 per visit, up to $3,000 per Policy Year p.58 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.58 |
| Diagnostic imaging coinsurance | 30% p.58 |
| Non-surgical cancer treatment | 80000 p.58 |
| Kidney dialysis | covered, specific limit not stated but subject to supplementary major medical p.52 |
| Day case procedures | covered as in-patient, subject to benefit limits for individual items p.28 |
| Home nursing | covered, per-day basis, specific limit not stated but subject to annual limit p.51 |
| Hospice care | none p.42 |
| Chinese medicine | none p.37 |
| Physiotherapy | covered during confinement, post-discharge, and post-confinement rehabilitative care, subject to limits p.30 |
| Congenital conditions | covered from age 8 p.38 |
| Pregnancy complications | none p.37 |
| Emergency dental | covered for emergency treatment and surgery during confinement arising from an accident p.37 |
| Hospital cash | none |
| Companion bed | covered for one immediate family member during confinement, specific limit not stated but subject to annual limit p.53 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.36 |
At a constant age of 45, Zurich has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$8,508 to HK$8,508.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | no change |
| 2025 | no change |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Essential with SMM | None | HKD 550,000 per Policy Year | |
| Essential with SMM | None | HKD 550,000 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.