Blue Cross Dynasty VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00059-08-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$7,298 |
| 45 | HK$10,775 |
| 60 | HK$22,024 |
| 75 | HK$44,478 |
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.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.21 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period; no refund after cooling-off if policyholder cancels; pro-rata refund if terminated due to death or company ceasing authorization p.4 |
| Switching from another plan | Switching to another plan with upgrade/addition of benefits is subject to re-underwriting; switching to downgrade/reduction of benefits is at company's discretion without re-underwriting p.14 |
| Room class | Semi-private Room (Hong Kong, Macau, Mainland China); Private Room (outside Hong Kong, Macau, Mainland China) p.33 |
| 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.33 |
| Psychiatric treatment area | Hong Kong only p.68 |
| Emergency treatment abroad | Covered worldwide p.33 |
| Full cover on core benefits | yes p.33 |
| Annual limit | 10000000 p.33 |
| Lifetime limit | 48000000 p.33 |
| Deductible options | 80000 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, 85 p.33 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure p.33 |
| 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.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 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 inpatient benefits, no specific limit other than overall annual/lifetime limits p.19 |
| 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 | 100000 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 completion of Day Case Procedure) p.33 |
| Physiotherapy | Covered under miscellaneous charges during confinement, pre/post-confinement outpatient care, and stroke ancillary benefit; no separate limit p.19 |
| Congenital conditions | Covered if manifested or diagnosed at or after age 8, or if unknown at application, covered after 30 days of first policy year p.21 |
| Pregnancy complications | HKD180,000 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 | Not applicable p.33 |
| Companion bed | Full cover for one extra bed for an immediate family member during confinement 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 | standard VHIS exclusions only 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$7,784 to HK$10,775.
| 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 (Worldwide ) | Semi-private | HK$80,000 | HKD10,000,000 per Policy Year |
| HKD80,000 Deductible (Worldwide ) | 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.