Asia Insurance Asia iCare is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00061-01-001-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$9,155 |
| 45 | HK$13,556 |
| 60 | HK$25,742 |
| 75 | HK$51,196 |
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.32 |
|---|---|
| Pre-existing conditions unknown at application | 0% for first 30 days, 100% from 31st day p.40 |
| Waiting period | none |
| Cancellation and refund | Full refund during 21-day cooling-off period. After cooling-off, 30 days prior written notice for cancellation, no refund if benefit paid in policy year. p.25 |
| Switching from another plan | Switching to another plan with upgrade or addition of benefits is subject to re-underwriting limited to such upgrade or additional benefits. p.33 |
| Room class | Ward p.3 |
| If a higher room is used | If upgraded due to personal preference: Ward to Semi-Private 50% coinsurance; Ward to Standard Private 75% coinsurance; Ward to Above Standard Private 87.5% coinsurance p.4 |
| Geographical cover | Worldwide p.36 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | Covered within worldwide territory p.36 |
| Full cover on core benefits | Partial, full cover for Elective Medical Package at Network Hospital (in Hong Kong only) for specific items (a)-(h), (k)(i) of basic benefits and (a) of additional benefits p.3 |
| Annual limit | 650000 p.2 |
| Lifetime limit | none p.2 |
| Deductible options | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; 20% for Supplementary Major Medical Benefit p.2 |
| Pre-admission outpatient | 1 visit prior to confinement/day case procedure, up to HKD 8,400 per policy year (combined with post-discharge) p.2 |
| Post-discharge outpatient | All follow-up visits within 90 days after discharge/day case procedure, up to HKD 8,400 per policy year (combined with pre-admission) p.2 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.2 |
| Diagnostic imaging coinsurance | 30% p.2 |
| Non-surgical cancer treatment | 200000 per Disability per Policy Year p.2 |
| Kidney dialysis | Covered up to HKD 200,000 per Policy Year p.3 |
| Day case procedures | Covered as per relevant basic benefits, no specific overall limit p.14 |
| Home nursing | HKD 600 per visit, 1 visit per day, up to HKD 6,000 per policy year (combined with assistant healthcare service), within 90 days after discharge, if confined for 7+ days p.3 |
| Hospice care | none p.21 |
| Chinese medicine | none p.19 |
| Physiotherapy | Covered during confinement under miscellaneous charges; covered for post-discharge outpatient care within 90 days (combined limit with pre-admission) p.15 |
| Congenital conditions | Covered from age 8 p.20 |
| Pregnancy complications | none p.19 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.19 |
| Hospital cash | none |
| Companion bed | HKD 520 per day, max 180 days per policy year (for Insured Person aged below 18 or above 65) p.3 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Pre-authorisation and Letter of Guarantee for Elective Medical Package at Network Hospitals (CUHK Medical Centre or CUHK Medical Clinic) p.53 |
| No-claim discount | Annual Benefit Limit increased by 10% if no claim paid during the two preceding consecutive policy years p.58 |
| Exclusions beyond the VHIS standard list | Treatments not Medically Necessary; Purchase of durable medical equipment or appliances p.19 |
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$13,556 to HK$13,556.
| 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.