China Taiping Taiping Life VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00052-02-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,494 |
| 45 | HK$10,558 |
| 60 | HK$18,494 |
| 75 | HK$34,496 |
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 | Semi-private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$1,000,000 |
| Lifetime limit | None |
| Room and board | HK$2,700 |
| Hospital charges | HK$24,400 |
| Doctor's visits | HK$2,500 |
| Specialist fees | HK$9,500 |
| Intensive care | HK$6,000 |
| Surgeon's fee | HK$80,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$35,000 |
| Non-surgical cancer treatment | HK$120,000 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$55,000 |
Also includes 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 | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment has been made or is impending. p.3 |
| Switching from another plan | Switching to another plan with upgraded/additional benefits is subject to re-underwriting for those benefits. Switching to a plan with downgraded/reduced benefits is at the Company's discretion without re-underwriting. p.12 |
| Room class | Semi-Private Room p.1 |
| If a higher room is used | If a higher ward class is used, coinsurance for major medical benefits increases: Semi-Private Room to Standard Private Room 60% (40% reimbursement); Semi-Private Room to any ward class above Standard Private Room 80% (20% reimbursement). p.5 |
| Geographical cover | Worldwide, except for 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 | 1000000 p.1 |
| Lifetime limit | none p.1 |
| Deductible options | none |
| How the deductible applies | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; higher coinsurance applies for major medical benefits if a higher ward class is used. p.1 |
| Pre-admission outpatient | 1 visit before Confinement/Day Case Procedure, up to HKD 1,280 per visit, up to HKD 7,000 per Policy Year p.1 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/Day Case Procedure, up to HKD 1,280 per visit, up to HKD 7,000 per Policy Year p.1 |
| General outpatient | none |
| Psychiatric treatment | HKD 55,000 per Policy Year p.1 |
| Diagnostic imaging coinsurance | 30% p.1 |
| Non-surgical cancer treatment | HKD 120,000 per Policy Year p.1 |
| Kidney dialysis | Covered up to HKD 120,000 per Policy Year p.1 |
| Day case procedures | Covered as in-patient procedures under basic benefits; cash allowance of HKD 800 per Day Case Procedure, once per Policy Year. p.1 |
| Home nursing | HKD 1,000 per visit, maximum 60 visits per Policy Year (1 visit per day), within 90 days post-discharge for surgery/Day Case Procedure p.1 |
| Hospice care | none p.25 |
| Chinese medicine | HKD 600 per visit, maximum 3 visits per Policy Year (1 visit per day), within 90 days post-discharge/Day Case Procedure p.1 |
| Physiotherapy | Covered during Confinement under miscellaneous charges; covered for follow-up outpatient visits post-Confinement/Day Case Procedure. p.17 |
| Congenital conditions | Covered from age 8 p.22 |
| Pregnancy complications | Covered for specific complications under basic and some additional benefits, no separate limit stated beyond those benefits. p.1 |
| Emergency dental | Covered for treatment of natural teeth due to accident, within 31 days of accident, up to HKD 11,000 per Policy Year. p.2 |
| Hospital cash | HKD 750 per day, maximum 15 days per Policy Year, for using a lower ward class than entitled. p.1 |
| Companion bed | HKD 800 per day, maximum 180 days per Policy Year p.1 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | Available after 3 consecutive claim-free policy years, 15% for Plan 2. p.10 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine and other alternative treatments (unless covered as additional benefit). 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$10,558 to HK$10,558.
| 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 2 - Semi-Private Room | Semi-private | None | HKD 1,000,000 per Policy Year |
| Plan 2 - Semi-Private Room | Semi-private | None | HKD 1,000,000 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.