Asia Insurance Asia iCare is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00061-01-000-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$8,231 |
| 45 | HK$11,895 |
| 60 | HK$22,436 |
| 75 | HK$45,946 |
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 | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$650,000 |
| Lifetime limit | None |
| Room and board | HK$1,200 |
| Hospital charges | HK$26,000 |
| Doctor's visits | HK$1,200 |
| Specialist fees | HK$6,100 |
| Intensive care | HK$4,375 |
| Surgeon's fee | HK$99,840 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$200,000 |
| Outpatient before and after | HK$8,400 |
| Psychiatric treatment | HK$30,000 |
Also includes outpatient general, home nursing, a companion bed, rehabilitation, kidney dialysis.
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 | 100 p.30 |
|---|---|
| Pre-existing conditions unknown at application | First 30 days after the Policy Effective Date no coverage, From the 31st day after the Policy Effective Date full coverage p.38 |
| Waiting period | 30 days for unknown pre-existing conditions p.38 |
| Cancellation and refund | Full refund within 21-day cooling-off period. After cooling-off, cancellation with 30 days notice if no benefit payment in policy year. p.23 |
| Switching from another plan | Allowed to switch to another plan with upgrade or addition of benefits, subject to re-underwriting for the upgraded/added benefits. p.31 |
| Room class | Ward p.3 |
| If a higher room is used | If higher than Ward, pre-authorisation for Elective Medical Package is voided. For supplementary major medical benefit, adjusted coinsurance applies: Ward to Semi-Private 50%; Ward to Standard Private 75%; Ward to Above Standard Private 87.5%. p.50 |
| Geographical cover | Worldwide, except for psychiatric treatment and Elective Medical Package at Network Hospital p.34 |
| Psychiatric treatment area | Hong Kong only p.35 |
| Emergency treatment abroad | Covered under worldwide scope p.34 |
| Full cover on core benefits | Partial, full cover for Elective Medical Package at Network Hospital for basic benefits (a)-(h) and (k)(i), and additional benefit (a) p.3 |
| Annual limit | 650000 p.2 |
| Lifetime limit | none p.2 |
| Coinsurance | none |
| Pre-admission outpatient | 1 visit, $1,200 per visit per day, up to $8,400 per Policy Year p.2 |
| Post-discharge outpatient | All follow-up visits within 90 days, $1,000 per visit per day, up to $8,400 per Policy Year p.2 |
| General outpatient | none |
| Psychiatric treatment | 30000 per Policy Year p.2 |
| Diagnostic imaging coinsurance | 30% p.2 |
| Non-surgical cancer treatment | 200000 per Disability per Policy Year p.2 |
| Kidney dialysis | Covered, $200,000 per Policy Year p.3 |
| Day case procedures | Covered as in-patient, no specific limit beyond annual limit p.34 |
| Home nursing | Covered, $600 per visit, 1 visit per day, up to $6,000 per Policy Year within 90 days after discharge p.3 |
| Hospice care | none p.41 |
| Chinese medicine | none p.39 |
| Physiotherapy | Covered during confinement as miscellaneous charges, and as part of post-discharge outpatient care up to $8,400 per policy year. Excluded if solely for physiotherapy. p.2 |
| Congenital conditions | Covered from age 8 p.39 |
| Pregnancy complications | none p.39 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.39 |
| Hospital cash | none |
| Companion bed | $520 per day, maximum 180 days per Policy Year (for Insured Person Aged below 18 or above 65 only) p.3 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Available for pre-authorised Elective Medical Packages at Network Hospitals (CUHK Medical Centre or CUHK Medical Clinic) p.50 |
| No-claim discount | 10% increase in Annual Benefit Limit if no claim in two consecutive preceding policy years p.56 |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted diseases; Hair Mineral Analysis (HMA); Purchase of durable medical equipment or appliances p.39 |
At a constant age of 45, Asia Insurance has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$11,895 to HK$11,895.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | no change |
| 2025 | no change |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
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.