HSBC Life HSBC Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00049-20-000-01. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$6,790 |
| 45 | HK$9,933 |
| 60 | HK$20,182 |
| 75 | HK$42,960 |
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 if no benefit paid in policy year. p.4 |
| Switching from another plan | Switching to upgrade/add benefits requires re-underwriting for new benefits. Switching to downgrade/reduce 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 | Adjustment factor of 50% applied to Variable Benefits if a higher ward class is used p.40 |
| Geographical cover | Worldwide excluding the United States p.49 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered up to Standard Plan benefit limits for expenses incurred outside geographical limitation p.39 |
| Full cover on core benefits | yes p.49 |
| Annual limit | 35000000 p.49 |
| Lifetime limit | none p.49 |
| Deductible options | 100000 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 | 1 visit more than 30 days before admission; all visits within 30 days before admission p.49 |
| Post-discharge outpatient | All visits within 90 days after discharge; all visits 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 p.21 |
| Home nursing | Full cover, 1 Qualified Nurse per day for a maximum of 90 days per Policy Year, within 90 days after discharge p.50 |
| Hospice care | none p.44 |
| Chinese medicine | none p.45 |
| Physiotherapy | 3 visits in total for pre/post-confinement; additional HKD10,000 per Policy Year for post-confinement (max 1 visit per day) p.49 |
| 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 (maximum 10 days per Confinement) for using a lower ward class in a private hospital in Hong Kong p.50 |
| Companion bed | Full cover for cost of extra bed, no guest meals p.42 |
| No-claim discount | Yes, 5% for 3 claim-free years, 10% for 4, 15% for 5 or more p.47 |
| Exclusions beyond the VHIS standard list | dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents; venereal and sexually transmitted disease or its sequelae; purchase of durable medical equipment or appliances for home use; 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$9,933 to HK$9,933.
| 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.