HSBC Life HSBC Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00049-10-000-03. It entitles the insured to a private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$10,423 |
| 45 | HK$17,222 |
| 60 | HK$34,718 |
| 75 | HK$77,482 |
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 | Private |
|---|---|
| Geographical cover | asia |
| Annual limit | HK$30,000,000 |
| 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 health check, 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 if unknown at application p.23 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit payment has been made p.4 |
| Switching from another plan | Can switch to another plan with upgraded/added benefits (re-underwriting limited to new benefits) or downgraded/reduced benefits (no re-underwriting, company discretion). Deductible can be removed/decreased without re-underwriting at age 55 or every 5 years thereafter. p.15 |
| Room class | Standard Private Room p.49 |
| If a higher room is used | Adjustment factor applied to Variable Benefits (e.g., 50%, 25%, 0%) if higher ward class is used p.40 |
| Geographical cover | Asia, Australia and New Zealand (Asia includes 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) p.39 |
| Psychiatric treatment area | Hong Kong only p.18 |
| Emergency treatment abroad | Covered up to Standard Plan benefit limits if outside geographical limitation p.39 |
| Full cover on core benefits | yes p.50 |
| Annual limit | 30000000 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 or every 5 years thereafter p.30 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit or emergency consultation per confinement/day case procedure (more than 30 days before admission) and all prior outpatient visits or emergency consultations (within 30 days before admission) p.49 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge or day case procedure, or within 180 days after discharge for major/complex surgery 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 p.50 |
| Day case procedures | Covered as in-patient under various benefit items p.20 |
| Home nursing | Full cover within 90 days after discharge/day case, 1 Qualified Nurse per day for a maximum of 90 days per Policy Year p.50 |
| Hospice care | none |
| Chinese medicine | none |
| Physiotherapy | Maximum 3 visits for physiotherapy, chiropractic, occupational, and/or speech therapy within 90 days post-discharge/day case. Additional HKD10,000 per Policy Year for post-confinement/day case outpatient physiotherapy (max 1 visit per day) if item (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 | HKD2,000 per day (maximum 10 days per Confinement) for using a lower ward class in a private hospital in Hong Kong p.47 |
| Companion bed | Full cover p.50 |
| 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 | dependence/overdose of drugs/alcohol/narcotics; venereal and sexually transmitted diseases; Hair Mineral Analysis (HMA); purchase of durable medical equipment (detailed list); traditional Chinese medicine treatment (detailed list of types) 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$17,222 to HK$17,222.
| 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.