HSBC Life HSBC Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00049-06-000-03. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$6,568 |
| 45 | HK$9,635 |
| 60 | HK$20,746 |
| 75 | HK$45,814 |
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 | Semi-private |
|---|---|
| Geographical cover | asia |
| Annual limit | HK$25,000,000 |
| Lifetime limit | None |
| 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, hospital cash, 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 if no benefit paid. Pro-rata refund if policy terminated due to death of Insured Person or Company ceasing authorization. p.4 |
| Switching from another plan | Switching to a plan with upgraded/added 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 | Semi-private Room p.49 |
| If a higher room is used | If confined to Standard Private Room, 50% adjustment factor applies; if confined to any ward class above Standard Private Room, 0% adjustment factor applies. p.40 |
| Geographical cover | Asia (Afghanistan, Bangladesh, Bhutan, Brunei, Cambodia, Greater China, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Malaysia, Maldives, Mongolia, Myanmar, Nepal, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam), Australia and New Zealand p.39 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered up to Standard Plan benefit limits, reduced by any remaining deductible. p.39 |
| Full cover on core benefits | yes p.49 |
| Annual limit | 25000000 p.49 |
| Lifetime limit | none p.49 |
| Deductible options | 16000 p.49 |
| How the deductible applies | Per policy year. Can be removed or decreased without re-underwriting at age 55 and every 5 years thereafter, once per lifetime. p.30 |
| Coinsurance | none p.29 |
| 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. Max 3 visits for physiotherapy, chiropractic, occupational, speech therapy within 90 days. p.49 |
| General outpatient | none |
| Psychiatric treatment | HKD30,000 per Policy Year 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 in a Kidney Dialysis Center. p.50 |
| Day case procedures | Covered as in-patient, full cover for eligible expenses. p.20 |
| Home nursing | Full cover within 90 days after discharge/Day Case Procedure, up to 1 Qualified Nurse per day for a maximum of 90 days per Policy Year. p.50 |
| Hospice care | none p.45 |
| Chinese medicine | none p.27 |
| Physiotherapy | Max 3 visits for physiotherapy, chiropractic, occupational, speech therapy within 90 days post-discharge/Day Case Procedure under (k). Additional HKD6,000 per Policy Year for post-Confinement/Day Case Procedure outpatient physiotherapy (max 1 visit per day) if (k) is exhausted. p.50 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8. p.27 |
| Pregnancy complications | Excluded p.26 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident. p.26 |
| Hospital cash | HKD1,000 per day (max 10 days per Confinement) for confinement in a ward class below Semi-Private Room in a private Hospital in Hong Kong. Not payable for public hospitals. p.46 |
| Companion bed | Full cover for the cost of an extra bed for one companion during confinement, excluding guest meals. p.43 |
| No-claim discount | 5% for 3 claim-free years, 10% for 4 claim-free years, 15% for 5+ claim-free years. Check-up benefit does not affect NCD. p.48 |
| Exclusions beyond the VHIS standard list | dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents; venereal and sexually transmitted disease or its sequelae; birth control or reversal of birth control, sterilisation or sex reassignment, sexual dysfunction; purchase of durable medical equipment or appliances. 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$9,635 to HK$9,635.
| 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.