HSBC Life HSBC Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00049-19-000-01. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$8,769 |
| 45 | HK$13,697 |
| 60 | HK$27,522 |
| 75 | HK$60,011 |
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_ex_us |
| Annual limit | HK$35,000,000 |
| 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 p.23 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period. After cooling-off, cancellation with 30 days' notice is possible if no benefits paid in current policy year. Pro-rata refund if terminated due to death or company ceasing authorization. p.4 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits requires re-underwriting limited to those benefits. Switching to a plan with downgraded/reduced benefits does not require re-underwriting but is at company's discretion. p.15 |
| Room class | Standard Private Room p.57 |
| 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 excluding the United States p.57 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered up to Standard Plan benefit limits if incurred outside geographical limitation p.39 |
| Full cover on core benefits | yes p.57 |
| Annual limit | 35000000 p.57 |
| Lifetime limit | none p.57 |
| Deductible options | 50000 p.57 |
| 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 |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit or emergency consultation per confinement/day case procedure (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.57 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits per confinement/day case procedure (within 90 days after discharge); full cover for all follow-up outpatient visits per confinement with major/complex surgery (within 180 days after discharge) p.57 |
| General outpatient | One medical check-up service per policy year, up to HKD1,000, starting from the second policy year p.47 |
| Psychiatric treatment | HKD30,000 per Policy Year p.58 |
| Diagnostic imaging coinsurance | none p.57 |
| Non-surgical cancer treatment | full cover p.57 |
| Kidney dialysis | Full cover for regular haemodialysis or peritoneal dialysis for Chronic and Irreversible Kidney Failure p.44 |
| Day case procedures | Covered as part of other benefits, no specific limit stated 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.58 |
| Hospice care | none p.46 |
| Chinese medicine | none p.47 |
| Physiotherapy | Maximum 3 visits in total for physiotherapy, chiropractic treatment, occupational therapy and/or speech therapy within 90 days post-discharge; additional HKD10,000 per policy year for post-confinement/day case outpatient physiotherapy (max 1 visit per day) if item (k) is exhausted p.58 |
| Congenital conditions | Covered if manifested or diagnosed at or after 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 (maximum 10 days per Confinement) if confined in a ward class below Standard Private Room of a private hospital in Hong Kong p.47 |
| Companion bed | Full cover for the cost of an extra bed for one companion during confinement, does not cover guest meals p.44 |
| No-claim discount | Yes, 5% for 3 claim-free years, 10% for 4 claim-free years, 15% for 5+ claim-free years p.55 |
| Exclusions beyond the VHIS standard list | drug/alcohol dependence/overdose, venereal/sexually transmitted diseases; Hair Mineral Analysis (HMA), immunisation, health supplements 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$13,697 to HK$13,697.
| Year | 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.