Blue Cross Dynasty VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00059-05-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$22,804 |
| 45 | HK$33,665 |
| 60 | HK$68,823 |
| 75 | HK$138,989 |
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$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 | First 30 days of the first Policy Year no coverage; 31st day of the first Policy Year onwards full coverage p.22 |
| Waiting period | 12 months for pregnancy complications (conception must occur after this period); 24 months for Sleep Apnea diagnosis p.58 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits paid; no refund after cooling-off period if benefits paid or if no benefits paid but not specified otherwise. p.4 |
| Switching from another plan | Switching to another plan of the same insurer is possible, subject to re-underwriting for upgraded/additional benefits. 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 | If voluntarily confined in a higher ward class, benefits are reduced by an adjustment factor: 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 | Worldwide p.33 |
| Psychiatric treatment area | Hong Kong only p.21 |
| Emergency treatment abroad | Covered worldwide p.33 |
| Full cover on core benefits | yes p.34 |
| Annual limit | HKD10,000,000 p.33 |
| Lifetime limit | HKD48,000,000 p.33 |
| Deductible options | 0 p.33 |
| How the deductible applies | Per Policy Year; one-off right to reduce or remove deductible without re-underwriting at ages 50, 55, 60, 65, 70, 75, 80 or 85. p.25 |
| Coinsurance | none p.25 |
| Pre-admission outpatient | Full cover for 2 prior outpatient visits or emergency consultations per confinement/day case procedure p.32 |
| Post-discharge outpatient | Full cover for all related follow-up outpatient visits per confinement/day case procedure within 90 days after discharge or completion of day case procedure p.32 |
| General outpatient | none |
| Psychiatric treatment | HKD60,000 per Policy Year p.32 |
| Diagnostic imaging coinsurance | none p.32 |
| Non-surgical cancer treatment | Full cover p.32 |
| Kidney dialysis | Full cover p.32 |
| Day case procedures | Covered as in-patient; cash allowance of HKD2,400 per Day Case Procedure p.25 |
| 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.55 |
| Hospice care | HKD100,000 per Policy Year p.32 |
| Chinese medicine | HKD600 per visit, maximum 15 follow-up outpatient visits per confinement/day case procedure (within 90 days after discharge or completion of day case procedure) p.32 |
| Physiotherapy | HKD1,800 per day, maximum 90 days per Policy Year (within 90 days after discharge from Hospital) for rehabilitation treatment; also covered during confinement and as part of stroke ancillary benefit. p.19 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | HKD180,000 per Policy Year, provided conception occurred after the first 12 months of Policy Effective Date p.32 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, if treated within 3 months of accident p.32 |
| Hospital cash | HKD1,600 per day, maximum 60 days per Policy Year; plus HKD1,200 per day for top-up subsidy, maximum 60 days per Policy Year p.32 |
| Companion bed | Full cover for one extra bed for an immediate family member p.32 |
| Direct billing and pre-authorisation | Not offered; reimbursement basis p.1 |
| No-claim discount | Yes, 5% for 1-2 years no claim, 10% for 3-4 years, 15% for 5+ years p.63 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine treatment and other alternative treatments p.23 |
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$24,324 to HK$33,665.
| 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 |
|---|---|---|---|
| HKD0 Deductible (Worldwide ) | Semi-private | None | HKD10,000,000 per Policy Year |
| HKD0 Deductible (Worldwide ) | Semi-private | None | 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.