HSBC Life HSBC Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00049-02-000-03. It entitles the insured to a ward room and covers treatment greater_china.
| Age | Annual premium |
|---|---|
| 30 | HK$5,316 |
| 45 | HK$8,259 |
| 60 | HK$18,198 |
| 75 | HK$38,607 |
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 | greater_china |
| Annual limit | HK$5,000,000 |
| Lifetime limit | HK$20,000,000 |
| Room and board | Paid in full |
| Hospital charges | Paid in full |
| Doctor's visits | Paid in full |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | Paid in full |
| Anaesthetist | Paid in full |
| Operating theatre | Paid in full |
| Diagnostic imaging | Paid in full |
| Non-surgical cancer treatment | Paid in full |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$30,000 |
Also includes home nursing, a companion bed, rehabilitation, hospice care, kidney dialysis, reconstructive surgery, 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.13 |
|---|---|
| Pre-existing conditions unknown at application | 100% from year 1 p.23 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period. After cooling-off, cancellation with 30 days written notice if no benefit payment made. p.4 |
| Switching from another plan | Switching to another plan with upgraded benefits requires re-underwriting. Switching to a plan with downgraded benefits is at the Company's discretion without re-underwriting. p.15 |
| Room class | General Ward p.49 |
| If a higher room is used | If a higher ward class is used, an adjustment factor (50% for Semi-private, 25% for Standard Private, 0% for above Standard Private) is applied to Variable Benefits. p.41 |
| Geographical cover | Greater China (mainland China, Hong Kong, Macau and Taiwan) p.39 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered up to Standard Plan Terms and Benefits limits p.39 |
| Full cover on core benefits | yes p.50 |
| Annual limit | 5000000 p.49 |
| Lifetime limit | 20000000 p.49 |
| Deductible options | 16000 p.49 |
| How the deductible applies | Per Policy Year, with an option to remove or decrease deductible at age 55 and every 5 years thereafter. p.30 |
| Coinsurance | none p.29 |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit (more than 30 days before) or all prior outpatient visits (within 30 days before) per Confinement/Day Case Procedure. p.49 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days (or 180 days for major/complex surgery) after discharge/Day Case Procedure. p.49 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.50 |
| Diagnostic imaging coinsurance | none p.49 |
| Non-surgical cancer treatment | full cover p.49 |
| Kidney dialysis | Full cover p.50 |
| Day case procedures | Covered as in-patient under relevant benefit items p.19 |
| Home nursing | Full cover for 1 Qualified Nurse per day for a maximum of 90 days per Policy Year, within 90 days after discharge/Day Case Procedure. p.50 |
| Hospice care | none p.51 |
| Chinese medicine | none p.26 |
| Physiotherapy | Maximum 3 visits in total for physiotherapy, chiropractic, occupational, and/or speech therapy within 90 days post-discharge. Additional $3,000 per Policy Year for post-Confinement/Day Case outpatient physiotherapy (max 1 visit/day). p.50 |
| Congenital conditions | Covered from age 8 p.26 |
| Pregnancy complications | none p.26 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident. p.26 |
| Hospital cash | none p.52 |
| Companion bed | Full cover p.50 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated p.1 |
| No-claim discount | Yes, 5% for 3 years claim-free, 10% for 4 years, 15% for 5+ years. p.54 |
| Exclusions beyond the VHIS standard list | Expenses incurred for the purchase of durable medical equipment or appliances. p.26 |
At a constant age of 45, HSBC Life has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$8,259 to HK$8,259.
| 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.
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.