Blue Cross Dynasty VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00059-06-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$11,860 |
| 45 | HK$17,505 |
| 60 | HK$35,790 |
| 75 | HK$72,276 |
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 | 0% for first 30 days of policy year 1, 100% from 31st day of policy year 1 p.22 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period; pro-rata refund for current policy year upon termination due to death or company ceasing authorization p.4 |
| Switching from another plan | Switching to upgrade benefits is subject to re-underwriting; switching to downgrade benefits is at company's discretion without re-underwriting p.14 |
| Room class | Semi-private Room (HK, Macau, Mainland China); Private Room (outside HK, Macau, 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 | Worldwide p.33 |
| Psychiatric treatment area | Hong Kong only p.33 |
| Emergency treatment abroad | Covered worldwide p.68 |
| Full cover on core benefits | yes p.34 |
| Annual limit | 10000000 p.33 |
| Lifetime limit | 48000000 p.33 |
| Deductible options | 20000 p.33 |
| How the deductible applies | Per Policy Year, with one-off right to reduce or remove at ages 50, 55, 60, 65, 70, 75, 80, 85 p.33 |
| Coinsurance | none p.22 |
| Pre-admission outpatient | 2 visits per Confinement/Day Case Procedure p.33 |
| Post-discharge outpatient | All related follow-up visits within 90 days after discharge or Day Case Procedure p.33 |
| General outpatient | none |
| Psychiatric treatment | 60000 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 various benefits p.26 |
| Home nursing | Full cover, maximum 196 days per policy year p.32 |
| Hospice care | 100000 per policy year p.32 |
| Chinese medicine | HKD600 per visit, max 15 visits per Confinement/Day Case Procedure within 90 days p.32 |
| Physiotherapy | Covered during confinement, post-confinement (within 90 days) and for stroke rehabilitation (HKD1,000 per visit, max 30 visits/year, HKD100,000/incident) p.32 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.24 |
| Pregnancy complications | 180000 per policy year p.32 |
| Emergency dental | Full cover p.32 |
| Hospital cash | none p.32 |
| Companion bed | Full cover p.32 |
| 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 | Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); Sex reassignment of either sex; Sexual dysfunction; Purchase of durable medical equipment or appliances 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$12,648 to HK$17,505.
| 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 |
|---|---|---|---|
| HKD20,000 Deductible (Worldwide ) | Semi-private | HK$20,000 | HKD10,000,000 per Policy Year |
| HKD20,000 Deductible (Worldwide ) | Semi-private | HK$20,000 | 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.