China Taiping Taiping Life VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00052-02-001-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$8,942 |
| 45 | HK$14,538 |
| 60 | HK$25,467 |
| 75 | HK$47,501 |
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 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 | none |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit paid; no refund after cooling-off period p.3 |
| Switching from another plan | Switching to another plan with upgrade/addition of benefits is subject to re-underwriting; switching to a plan with downgrade/reduction of benefits is at company's discretion without re-underwriting p.12 |
| Room class | Semi-Private Room p.2 |
| If a higher room is used | Higher coinsurance applies: Ward Semi-Private Room 60%, Ward Standard Private Room 80%, Any ward class above Standard Ward 90%, Semi-Private Room Standard Private Room 60%, Any ward class above Standard Semi-Private Room 80%, Standard Private Room Any ward class above Standard Private Room 60% 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.3 |
| Lifetime limit | none p.3 |
| Deductible options | none |
| How the deductible applies | none |
| Coinsurance | 20% for major medical benefits p.2 |
| Pre-admission outpatient | 1 visit per confinement/day case procedure, up to $1,280 per visit, $7,000 per policy year p.1 |
| Post-discharge outpatient | 3 visits per confinement/day case procedure within 90 days, up to $1,280 per visit, $7,000 per policy year p.1 |
| General outpatient | none |
| Psychiatric treatment | 55000 p.1 |
| Diagnostic imaging coinsurance | 30% p.1 |
| Non-surgical cancer treatment | 120000 p.1 |
| Kidney dialysis | 120000 p.2 |
| Day case procedures | Covered as in-patient for various benefits; cash allowance of $800 per day case procedure, once per policy year p.3 |
| Home nursing | $1,000 per visit, up to 60 visits per policy year within 90 days post-surgery/day case procedure p.2 |
| Hospice care | none p.24 |
| Chinese medicine | $600 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 visits post-confinement/day case procedure p.17 |
| Congenital conditions | Covered from 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.2 |
| Emergency dental | Covered for treatment of natural teeth due to accident within 31 days, as part of Emergency outpatient treatment benefit up to $11,000 per policy year p.2 |
| Hospital cash | $750 per day, up to 15 days per policy year for confinement in a lower ward class p.3 |
| Companion bed | $800 per day, up to 180 days per policy year p.2 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | 15% for Plan 3 if no claim made for 3 consecutive policy years p.10 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only 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$14,538 to HK$14,538.
| 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 3 - Semi-Private Room with SMM | Semi-private | None | HKD 1,000,000 per Policy Year |
| Plan 3 - Semi-Private Room with SMM | 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.