China Taiping Taiping Life VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00052-01-000-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,362 |
| 45 | HK$7,171 |
| 60 | HK$12,065 |
| 75 | HK$22,561 |
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 | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$500,000 |
| Lifetime limit | None |
| Room and board | HK$800 |
| Hospital charges | HK$14,000 |
| Doctor's visits | HK$800 |
| Specialist fees | HK$4,300 |
| Intensive care | HK$3,500 |
| Surgeon's fee | HK$55,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$80,000 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$30,000 |
Also includes outpatient general, maternity, chinese medicine, home nursing, a companion bed, hospital cash, kidney dialysis, a death benefit, no claim.
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.10 |
|---|---|
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.20 |
| Waiting period | 12 months for pregnancy complications p.2 |
| 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. Pro-rata refund for death or company ceasing authorization. p.3 |
| Switching from another plan | Switching to a plan with upgraded or additional benefits is subject to re-underwriting limited to those upgrades/additions p.12 |
| Room class | Ward p.1 |
| If a higher room is used | Higher coinsurance applies: Semi-Private Room 60%, Standard Private Room 80%, Any ward class above Standard Ward 90% p.4 |
| Geographical cover | worldwide excluding psychiatric treatment and rehabilitative care p.16 |
| Psychiatric treatment area | Hong Kong only p.19 |
| Emergency treatment abroad | Covered worldwide p.16 |
| Full cover on core benefits | no p.1 |
| Annual limit | 500000 p.3 |
| Lifetime limit | none p.16 |
| Deductible options | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; 20% for Major Medical Benefits p.1 |
| Pre-admission outpatient | 1 visit per confinement/day case procedure p.1 |
| Post-discharge outpatient | 3 visits within 90 days after discharge per confinement/day case procedure p.1 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.1 |
| Diagnostic imaging coinsurance | 30% p.1 |
| Non-surgical cancer treatment | 80000 p.1 |
| Kidney dialysis | 25000 per Policy Year p.2 |
| Day case procedures | Covered as in-patient for eligible expenses, plus $400 cash allowance once per policy year p.16 |
| Home nursing | $500 per visit, up to 15 visits per policy year within 90 days post-surgery p.2 |
| Hospice care | none p.25 |
| Chinese medicine | $400 per visit, up to 3 visits per policy year within 90 days post-confinement/day case procedure p.2 |
| Physiotherapy | Covered during confinement under miscellaneous charges; covered for follow-up outpatient care; covered under rehabilitative care up to $10,000 per policy year p.17 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.22 |
| Pregnancy complications | Covered for specific complications after 12 months waiting period, subject to limits of basic benefits (a)-(i), (k) and additional benefits (a), (b), (e), (f) p.1 |
| Emergency dental | Covered for natural teeth treatment due to accident within 31 days of accident, up to $3,000 per policy year p.2 |
| Hospital cash | $100 per confinement, once per policy year for hospitalization transportation. Hospital cash for lower ward level is not applicable. p.3 |
| Companion bed | $400 per day, up to 90 days per policy year p.1 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | 10% for Plan 1 if no claim is made for 3 consecutive policy years p.10 |
| Exclusions beyond the VHIS standard list | Dependence, overdose or influence of drugs, alcohol, narcotics or similar agents; Venereal and sexually transmitted disease or its sequelae p.21 |
At a constant age of 45, China Taiping has filed 1 schedule change on this plan since 2021, an average of +0.0% a year, taking the premium from HK$7,171 to HK$7,171.
| 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.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Plan 1 - Ward with SMM | Ward | None | HKD 500,000 per Policy Year |
| Plan 1 - Ward with SMM | Ward | None | HKD 500,000 per Policy Year |
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.