HSBC Life HSBC Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00049-08-000-03. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$3,476 |
| 45 | HK$5,427 |
| 60 | HK$11,935 |
| 75 | HK$26,896 |
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 | Paid in full |
| Psychiatric treatment | HK$30,000 |
Also includes outpatient general, 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 | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 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 in policy year p.4 |
| Switching from another plan | Switching to another plan with upgraded benefits is subject to re-underwriting for the upgraded benefits; switching to a plan with downgraded benefits is at the Company's discretion without re-underwriting p.15 |
| Room class | Semi-private Room p.50 |
| If a higher room is used | Adjustment factor applied to Variable Benefits: 50% for Standard Private Room, 0% for any ward class above Standard Private Room p.40 |
| Geographical cover | Asia, Australia and New Zealand p.50 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered up to Standard Plan benefit limits p.39 |
| Full cover on core benefits | yes p.50 |
| Annual limit | 25000000 p.50 |
| Lifetime limit | none p.50 |
| Deductible options | 100000 p.50 |
| How the deductible applies | Per policy year, with option to remove or decrease deductible at age 55 and every 5 years thereafter p.30 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit or emergency consultation more than 30 days before admission/Day Case Procedure; Full cover for all prior outpatient visits or emergency consultations within 30 days before admission/Day Case Procedure p.50 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge or completion of Day Case Procedure; Full cover for all follow-up outpatient visits within 180 days after discharge for major/complex surgery; Max 3 visits for physiotherapy, chiropractic, occupational, speech therapy within 90 days p.50 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.51 |
| Diagnostic imaging coinsurance | none p.50 |
| Non-surgical cancer treatment | full cover p.50 |
| Kidney dialysis | Full cover p.51 |
| Day case procedures | Covered as in-patient, full cover for eligible expenses p.19 |
| Home nursing | Full cover for home nursing 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.51 |
| Hospice care | none p.44 |
| Chinese medicine | none p.27 |
| Physiotherapy | Max 3 visits for follow-up outpatient physiotherapy within 90 days after discharge or Day Case Procedure under item (k); HKD6,000 per policy year for additional post-confinement/day case outpatient physiotherapy, max 1 visit per day p.50 |
| 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.27 |
| Hospital cash | HKD1,000 per day for using a ward class below Semi-Private Room in a private Hospital in Hong Kong, max 10 days per Confinement p.51 |
| Companion bed | Full cover p.51 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | 5% for 3 claim-free years, 10% for 4 claim-free years, 15% for 5+ claim-free years p.48 |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other alternative treatments 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$5,427 to HK$5,427.
| 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.