Blue Cross Dynasty VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00059-03-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$6,330 |
| 45 | HK$9,344 |
| 60 | HK$19,098 |
| 75 | HK$38,570 |
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 | asia |
| Annual limit | HK$10,000,000 |
| Lifetime limit | HK$48,000,000 |
| Room and board | Paid in full |
| Hospital charges | Paid in full |
| Doctor's visits | Paid in full |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | Paid in full |
| Anaesthetist | Paid in full |
| Operating theatre | Paid in full |
| Diagnostic imaging | Paid in full |
| Non-surgical cancer treatment | Paid in full |
| Outpatient before and after | Paid in full |
| Psychiatric treatment | HK$60,000 |
Also includes outpatient general, dental, maternity, chinese medicine, home nursing, a companion bed, hospital cash, rehabilitation, hospice care, kidney dialysis, reconstructive surgery.
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 | lifetime p.13 |
|---|---|
| Pre-existing conditions unknown at application | First 30 days of the first Policy Year no coverage; 31st day of the first Policy Year onwards full coverage p.22 |
| Waiting period | 30 days for unknown pre-existing conditions; 12 months for pregnancy complications; 24 months for Sleep Apnea treatment p.22 |
| Cancellation and refund | Full refund during 21-day cooling-off period if no benefit paid; after cooling-off, 30 days written notice required, no refund if benefit paid in relevant Policy Year p.4 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits is subject to re-underwriting for those benefits; switching to a plan with downgraded/reduced benefits is at company's discretion without re-underwriting p.14 |
| Room class | Semi-private (HK, Macau, Mainland China); Private (outside HK, Macau, Mainland China) p.33 |
| If a higher room is used | If voluntarily confined in a higher class: Semi-private to Private: 50% adjustment factor; Semi-private to above Private: 25% adjustment factor; Private to above Private: 25% adjustment factor p.67 |
| Geographical cover | Asia & Australia-New Zealand (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Mainland China, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor‐Leste, Turkmenistan, Uzbekistan and Vietnam) p.33 |
| Psychiatric treatment area | Hong Kong only p.21 |
| Emergency treatment abroad | Covered outside Asia & Australia-New Zealand p.67 |
| Full cover on core benefits | yes p.33 |
| Annual limit | 10000000 p.33 |
| Lifetime limit | 48000000 p.33 |
| Deductible options | 40000 p.33 |
| How the deductible applies | Per Policy Year, with a one-off right to reduce or remove at ages 50, 55, 60, 65, 70, 75, 80, or 85 p.33 |
| Coinsurance | none |
| Pre-admission outpatient | 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure p.33 |
| Post-discharge outpatient | All related follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge or Day Case Procedure) p.33 |
| General outpatient | none |
| Psychiatric treatment | HKD60,000 per Policy Year p.33 |
| Diagnostic imaging coinsurance | none p.33 |
| Non-surgical cancer treatment | full cover p.33 |
| Kidney dialysis | Full cover for regular haemodialysis or peritoneal dialysis in day-case unit or clinic, or rental cost of kidney dialysis machine for home use p.33 |
| Day case procedures | Covered as in-patient equivalent for various benefits, full cover p.33 |
| Home nursing | Full cover, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or ICU admission) p.33 |
| Hospice care | HKD100,000 per Policy Year p.33 |
| Chinese medicine | HKD600 per visit, 1 visit per day, max 15 visits per Confinement/Day Case Procedure (within 90 days after discharge or Day Case Procedure) p.33 |
| Physiotherapy | HKD1,800 per day, maximum 90 days per Policy Year (within 90 days after discharge from Hospital) p.33 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.24 |
| Pregnancy complications | HKD180,000 per Policy Year, for complications from conception after 12 months of Policy Effective Date p.33 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, within 3 months of accident p.33 |
| Hospital cash | Not applicable p.33 |
| Companion bed | Full cover for one extra bed for an immediate family member p.33 |
| No-claim discount | 5% for 1-2 no claim years, 10% for 3-4 no claim years, 15% for 5+ no claim years p.63 |
| Exclusions beyond the VHIS standard list | Dependence on drugs, alcohol, narcotics; Hair Mineral Analysis (HMA); Purchase of durable medical equipment or appliances p.22 |
At a constant age of 45, Blue Cross has filed 4 schedule changes on this plan since 2021, an average of +6.5% a year, taking the premium from HK$6,750 to HK$9,344.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +6.0% |
| 2024 | +13.0% |
| 2025 | +6.0% |
| 2026 | +9.0% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| HKD40,000 Deductible (Asia & Australia-New Zealand) | Semi-private | HK$40,000 | HKD10,000,000 per Policy Year |
| HKD40,000 Deductible (Asia & Australia-New Zealand) | Semi-private | HK$40,000 | HKD10,000,000 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.