Blue Cross Dynasty VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00059-04-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$4,502 |
| 45 | HK$6,644 |
| 60 | HK$13,583 |
| 75 | HK$27,428 |
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.12 |
|---|---|
| Pre-existing conditions unknown at application | 0% for first 30 days of Policy Year 1, 100% from 31st day of Policy Year 1 p.21 |
| Waiting period | 12 months for pregnancy complications; 24 months for Sleep Apnea treatment p.58 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit payment has been made p.4 |
| Switching from another plan | Switching to another plan with upgraded or additional benefits is subject to re-underwriting limited to such upgrades/additions p.14 |
| Room class | Semi-private Room in Hong Kong, Macau or Mainland China; Private Room outside Hong Kong, Macau and Mainland China p.33 |
| If a higher room is used | 50% for Private Room if designated is Semi-private; 25% for any ward class above Private Room if designated is Semi-private; 25% for any ward class above Private Room if designated is Private 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.33 |
| Emergency treatment abroad | Covered outside Asia & Australia-New Zealand p.67 |
| Full cover on core benefits | yes p.34 |
| Annual limit | HKD10,000,000 p.33 |
| Lifetime limit | HKD48,000,000 p.33 |
| Deductible options | 80000 p.33 |
| How the deductible applies | Per Policy Year, one-off right to reduce or remove deductible at ages 50, 55, 60, 65, 70, 75, 80, 85 p.33 |
| Coinsurance | none p.25 |
| 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 within 90 days after discharge or completion of 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 p.33 |
| Day case procedures | Covered as in-patient for many benefits, full cover for most p.19 |
| Home nursing | Full cover, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or admission to Intensive Care Unit) p.34 |
| Hospice care | HKD100,000 per Policy Year p.34 |
| Chinese medicine | HKD600 per visit, 1 visit per day, max 15 visits per confinement/day case procedure (within 90 days after discharge or completion of day case procedure) p.34 |
| Physiotherapy | Full cover during confinement (as part of miscellaneous charges); HKD1,000 per visit, max 30 visits per Policy Year and HKD100,000 per Incident for stroke ancillary benefit p.19 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.24 |
| Pregnancy complications | HKD180,000 per Policy Year p.34 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, within 3 months of accident p.34 |
| Hospital cash | none p.34 |
| Companion bed | full cover p.34 |
| No-claim discount | 5% for 1-2 years, 10% for 3-4 years, 15% for 5+ years of no claims p.63 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); Traditional Chinese medicine and other alternative treatments (except specific covered items) 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$4,800 to HK$6,644.
| 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 |
|---|---|---|---|
| HKD80,000 Deductible (Asia & Australia-New Zealand) | Semi-private | HK$80,000 | HKD10,000,000 per Policy Year |
| HKD80,000 Deductible (Asia & Australia-New Zealand) | Semi-private | HK$80,000 | 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.