China Taiping Taiping Life VHIS Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00052-03-001-01. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$17,700 |
| 45 | HK$28,729 |
| 60 | HK$48,316 |
| 75 | HK$94,371 |
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 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 if cancelled within 21-day cooling-off period, provided no benefit payment has been made p.3 |
| Switching from another plan | possible to switch to another plan, re-underwriting applies for upgrades, company discretion for downgrades p.12 |
| Room class | Standard Private Room p.1 |
| If a higher room is used | 60% coinsurance if using a ward class above Standard Private Room p.5 |
| Geographical cover | worldwide 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 | 1360000 p.3 |
| Lifetime limit | none p.16 |
| Deductible options | none |
| How the deductible applies | none |
| Coinsurance | none (30% for Prescribed Diagnostic Imaging Tests, 20% for Major Medical Benefits) p.1 |
| Pre-admission outpatient | 1 visit per confinement/day case procedure, up to $1,370 per visit, $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, $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 | covered, $180,000 per Policy Year p.3 |
| Day case procedures | covered as in-patient, $1,600 cash allowance once per policy year p.24 |
| Home nursing | $2,000 per visit, up to 60 visits per policy year within 90 days post-discharge for surgery p.2 |
| Hospice care | none p.25 |
| Chinese medicine | $800 per visit, up to 3 visits per policy year within 90 days post-discharge p.2 |
| Physiotherapy | covered during confinement, as post-discharge outpatient care (up to $1,370 per visit, $7,400 per policy year), and as rehabilitative care ($4,000 per day, $40,000 per policy year within 90 days post-discharge) p.17 |
| Congenital conditions | covered from age 8 p.22 |
| Pregnancy complications | covered for specific complications after 12 months from policy effective date, subject to limits of basic benefits (a)-(i), (k) and additional benefits (a), (b), (e), (f) p.1 |
| Emergency dental | covered for emergency treatment and surgery during confinement due to accident, or for natural teeth treatment due to accident within 31 days, up to $16,000 per policy year p.21 |
| Hospital cash | $1,000 per day for up to 15 days per policy year for using a lower ward class p.3 |
| Companion bed | $950 per day, up to 180 days per policy year p.1 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | 15% of premium if no claim made for 3 consecutive policy years p.10 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine and other alternative treatments unless covered under additional benefits 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$28,729 to HK$28,729.
| 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 5 - Standard Private Room with SMM | Private | None | HKD 1,360,000 per Policy Year |
| Plan 5 - Standard Private Room with SMM | 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.