China Taiping Taiping Life VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00052-03-000-01. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$10,899 |
| 45 | HK$17,690 |
| 60 | HK$31,263 |
| 75 | HK$57,984 |
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 |
| Annual limit | HK$1,360,000 |
| Lifetime limit | None |
| Room and board | HK$5,000 |
| Hospital charges | HK$32,500 |
| Doctor's visits | HK$4,600 |
| Specialist fees | HK$18,800 |
| Intensive care | HK$9,400 |
| Surgeon's fee | HK$111,600 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$47,000 |
| Non-surgical cancer treatment | HK$180,000 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$57,000 |
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 p.3 |
| Switching from another plan | Switching to another plan with upgraded benefits may involve re-underwriting limited to the upgrade; no re-underwriting for downgrades p.12 |
| Room class | Standard Private Room p.1 |
| If a higher room is used | For major medical benefits, if a higher ward class than Standard Private Room is used, 60% coinsurance applies p.5 |
| Geographical cover | worldwide (except psychiatric treatment and rehabilitative care) p.16 |
| Psychiatric treatment area | Hong Kong only p.19 |
| Emergency treatment abroad | Covered worldwide, subject to annual limit p.16 |
| Full cover on core benefits | no p.1 |
| Annual limit | 1360000 p.2 |
| Lifetime limit | none p.2 |
| Deductible options | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests p.1 |
| Pre-admission outpatient | 1 visit per confinement/day case procedure, up to $1,370 per visit and $7,400 per policy year p.1 |
| Post-discharge outpatient | 3 visits per confinement/day case procedure within 90 days, up to $1,370 per visit and $7,400 per policy year p.1 |
| General outpatient | none |
| Psychiatric treatment | 57000 p.1 |
| Diagnostic imaging coinsurance | 30% p.1 |
| Non-surgical cancer treatment | 180000 p.1 |
| Kidney dialysis | 180000 p.2 |
| Day case procedures | Covered as in-patient for various benefits; cash allowance of $1,600 per day case procedure, once per policy year p.1 |
| Home nursing | $2,000 per visit, maximum 60 visits per policy year within 90 days post-surgery p.2 |
| Hospice care | none |
| Chinese medicine | $800 per visit, maximum 3 visits per policy year within 90 days post-confinement/day case procedure p.2 |
| Physiotherapy | Covered during confinement, pre- and post-confinement/day case procedure outpatient care, and rehabilitative care p.17 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.22 |
| Pregnancy complications | Covered for defined complications, subject to basic and additional benefit limits, after 12-month waiting period p.1 |
| Emergency dental | Covered for accidental injury to natural teeth within 31 days of accident, up to $16,000 per policy year p.1 |
| Hospital cash | $1,000 per day, maximum 15 days per policy year, for confinement in a lower ward class p.2 |
| Companion bed | $950 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 | 15% discount on premium after 3 consecutive claim-free policy years; certain benefits do not affect eligibility p.10 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); LASIK and related tests; purchase of airway pressure machines and masks, portable oxygen and oxygen therapy devices, air purifiers or conditioners and heat appliances for home use; hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy 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$17,690 to HK$17,690.
| 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 4 - Standard Private Room | Private | None | HKD 1,360,000 per Policy Year |
| Plan 4 - Standard Private Room | Private | None | HKD 1,360,000 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.