HSBC Life HSBC Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00049-03-000-03. It entitles the insured to a ward room and covers treatment greater_china.
| Age | Annual premium |
|---|---|
| 30 | HK$2,864 |
| 45 | HK$4,656 |
| 60 | HK$10,667 |
| 75 | HK$22,637 |
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 if cancelled within 21-day cooling-off period, provided no benefit payment has been made or is impending p.4 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits requires re-underwriting for those benefits; switching to a plan with downgraded/reduced benefits does not require re-underwriting but is subject to company discretion p.15 |
| Room class | General Ward p.49 |
| If a higher room is used | If confined to Semi-private Room, 50% of Variable Benefits; if confined to Standard Private Room, 25% of Variable Benefits; if confined to any ward class above Standard Private Room, 0% of Variable Benefits p.39 |
| Geographical cover | Greater China (mainland China, Hong Kong, Macau and Taiwan) p.38 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered up to Standard Plan Terms and Benefits limits p.38 |
| Full cover on core benefits | yes p.49 |
| Annual limit | 5,000,000 p.49 |
| Lifetime limit | 20,000,000 p.49 |
| Deductible options | 50000 p.49 |
| How the deductible applies | Per policy year; can be removed or decreased without re-underwriting at age 55 or every 5 years thereafter p.30 |
| Coinsurance | none p.25 |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit or emergency consultation more than 30 days before admission/Day Case Procedure, and all prior outpatient visits or emergency consultations within 30 days before admission/Day Case Procedure p.49 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge/Day Case Procedure, or within 180 days after discharge if major/complex surgery 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 for regular haemodialysis or peritoneal dialysis for Chronic and Irreversible Kidney Failure p.42 |
| Day case procedures | Covered as in-patient for eligible expenses p.19 |
| Home nursing | Full cover for services by 1 Qualified Nurse per day for a maximum of 90 days per policy year, within 90 days after discharge or Day Case Procedure p.50 |
| Hospice care | none p.44 |
| Chinese medicine | none p.45 |
| Physiotherapy | Maximum 3 visits in total for physiotherapy, chiropractic treatment, occupational therapy and/or speech therapy within 90 days post-discharge/Day Case Procedure under item (k); additional $3,000 per policy year for post-Confinement/Day Case Procedure outpatient physiotherapy (max 1 visit/day) if item (k) is exhausted p.49 |
| Congenital conditions | Covered from age 8 p.27 |
| 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.45 |
| Companion bed | Full cover for the cost of an extra bed for one companion during Insured Person's Confinement, excludes guest meals p.42 |
| No-claim discount | Yes, 5% for 3 claim-free years, 10% for 4 claim-free years, 15% for 5+ claim-free years p.47 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.25 |
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$4,656 to HK$4,656.
| 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.