HSBC Life HSBC Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00049-15-000-03. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$16,187 |
| 45 | HK$28,773 |
| 60 | HK$51,453 |
| 75 | HK$111,002 |
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 | worldwide |
| Annual limit | HK$40,000,000 |
| 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$50,000 |
Also includes chinese medicine, 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 p.23 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period. No refund after cooling-off period if benefits have been paid. If no benefits paid, refund is not explicitly stated as pro-rata. p.4 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits may require re-underwriting limited to 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 | Standard Private Room p.49 |
| If a higher room is used | 50% adjustment factor applied to variable benefits if a ward class above Standard Private Room is used p.40 |
| Geographical cover | Worldwide p.49 |
| Psychiatric treatment area | Hong Kong only p.51 |
| Emergency treatment abroad | Covered as part of worldwide territory p.49 |
| Full cover on core benefits | yes p.49 |
| Annual limit | 40000000 p.49 |
| Lifetime limit | none 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 and every 5 years thereafter, once per lifetime. p.47 |
| 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 | 50000 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 for various benefits p.20 |
| 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.50 |
| Hospice care | HKD80,000 per policy year, up to 30 days per policy year p.50 |
| Chinese medicine | HKD600 per visit, max 1 visit per day, max 10 visits per confinement/day case procedure (within 90 days after discharge/completion) p.50 |
| Physiotherapy | Max 3 visits for physio/chiro/occupational/speech therapy within 90 days post-discharge/day case. Plus HKD30,000/year for post-confinement/day case outpatient physio (max 1 visit/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.26 |
| Hospital cash | HKD2,000 per day, max 10 days per confinement, for using a ward class below Standard Private Room in a private hospital in Hong Kong p.50 |
| Companion bed | Full cover for the cost of an extra bed in the same Hospital for one of the Insured Person’s companion during Confinement p.50 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | Yes, 5% for 3 claim-free years, 10% for 4 claim-free years, 15% for 5+ claim-free years p.46 |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances (e.g., air purifiers, oxygen devices). 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$28,773 to HK$28,773.
| 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.