Blue Cross Dynasty VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00059-07-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$10,262 |
| 45 | HK$15,150 |
| 60 | HK$30,972 |
| 75 | HK$62,546 |
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.21 |
| Waiting period | 30 days for unknown pre-existing conditions p.21 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit paid; after cooling-off, cancellation with 30 days notice if no benefit paid in current policy year; pro-rata refund if terminated due to death or company ceasing authorization p.4 |
| Switching from another plan | Switching to another plan is possible; re-underwriting for upgrades, discretion for downgrades p.14 |
| Room class | Confinement in Hong Kong, Macau or Mainland China: Semi-private Room; Confinement outside Hong Kong, Macau and Mainland China: Private Room p.32 |
| If a higher room is used | If voluntarily confined in a higher ward 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 | Worldwide p.32 |
| Psychiatric treatment area | Hong Kong only p.21 |
| Emergency treatment abroad | Covered as part of worldwide territory p.32 |
| Full cover on core benefits | yes p.32 |
| Annual limit | 10,000,000 p.32 |
| Lifetime limit | 48,000,000 p.32 |
| Deductible options | 40,000 p.32 |
| 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, 85 p.32 |
| Coinsurance | none p.25 |
| Pre-admission outpatient | 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure p.32 |
| Post-discharge outpatient | All related follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure) p.32 |
| General outpatient | none |
| Psychiatric treatment | 60,000 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 for various benefits p.18 |
| 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.33 |
| Hospice care | 100,000 per Policy Year p.33 |
| Chinese medicine | 600 per visit, 1 visit per day, max 15 visits per Confinement/Day Case Procedure (within 90 days after discharge) p.33 |
| Physiotherapy | Covered during Confinement; also covered under Stroke ancillary benefit p.19 |
| Congenital conditions | Covered if manifested or diagnosed at or after age 8, or if unknown and manifested after 30 days and at or after age 8 p.21 |
| Pregnancy complications | 180,000 per Policy Year, for complications from conception after first 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 | none p.33 |
| Companion bed | Full cover for one extra bed for an immediate family member p.33 |
| No-claim discount | 5% for 1-2 years no claim, 10% for 3-4 years no claim, 15% for 5+ years no claim p.63 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances (with exceptions) 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$10,946 to HK$15,150.
| 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 (Worldwide ) | Semi-private | HK$40,000 | HKD10,000,000 per Policy Year |
| HKD40,000 Deductible (Worldwide ) | 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.