HSBC Life HSBC Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00049-07-000-03. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$3,961 |
| 45 | HK$5,846 |
| 60 | HK$13,404 |
| 75 | HK$28,311 |
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 if cancelled within 21-day cooling-off period, provided no benefit payment has been made 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 | Semi-private Room p.1 |
| If a higher room is used | Adjustment factor (percentage reduction) applied to Variable Benefits (e.g., 50% for Standard Private Room if entitled to Semi-private Room) p.2 |
| 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.1 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered up to Standard Plan Terms and Benefits limits p.1 |
| Full cover on core benefits | partial p.1 |
| Annual limit | 25000000 p.1 |
| Lifetime limit | none p.1 |
| Deductible options | 50000 p.1 |
| How the deductible applies | Per Policy Year p.30 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit (more than 30 days before admission) and all prior outpatient visits (within 30 days before admission) p.1 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days (or 180 days for major/complex surgery); maximum 3 visits for physiotherapy, chiropractic, occupational, and speech therapy within 90 days p.1 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.1 |
| Diagnostic imaging coinsurance | none p.1 |
| Non-surgical cancer treatment | full cover p.1 |
| Kidney dialysis | Full cover for regular haemodialysis or peritoneal dialysis for Chronic and Irreversible Kidney Failure p.3 |
| Day case procedures | Covered as in-patient, subject to annual limit p.19 |
| Home nursing | Full cover for services by 1 Qualified Nurse per day, maximum 90 days per Policy Year, within 90 days after discharge/Day Case Procedure p.4 |
| Hospice care | none p.6 |
| Chinese medicine | none p.7 |
| Physiotherapy | Post-discharge: maximum 3 visits (within 90 days) under 3(k); additional $6,000 per Policy Year (max 1 visit/day, within 90 days) if 3(k) exhausted p.1 |
| Congenital conditions | 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 | $1,000 per day (maximum 10 days per Confinement) for using a ward class below Semi-Private Room in a private Hospital in Hong Kong p.7 |
| Companion bed | Full cover for cost of an extra bed in the same Hospital for one companion p.3 |
| No-claim discount | Yes, 5% for 3 claim-free years, 10% for 4 claim-free years, 15% for 5+ claim-free years p.1 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); purchase of durable medical equipment (e.g., wheelchairs, oxygen devices); traditional Chinese medicine (e.g., herbal, bone-setting, acupuncture) 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$5,846 to HK$5,846.
| 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.