Asia Insurance Asia iCare is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00061-02-000-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$5,043 |
| 45 | HK$8,473 |
| 60 | HK$15,234 |
| 75 | HK$30,696 |
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$500,000 |
| Lifetime limit | None |
| Room and board | HK$800 |
| Hospital charges | HK$20,000 |
| Doctor's visits | HK$800 |
| Specialist fees | HK$4,800 |
| Intensive care | HK$3,500 |
| Surgeon's fee | HK$76,800 |
| 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 no coverage, from 31st day full coverage p.38 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period. After cooling-off, cancellation with 30 days notice if no benefit payment in relevant policy year. p.23 |
| Switching from another plan | Switching to another plan with upgraded benefits may involve re-underwriting; switching to downgraded benefits does not involve re-underwriting but is subject to company discretion. p.31 |
| Room class | Ward p.3 |
| If a higher room is used | If higher than Ward, pre-authorisation voided; benefits payable under basic terms. Adjusted coinsurance applies for supplementary major medical benefit: Ward to Semi-Private 50%, Ward to Standard Private 75%, Ward to Above Standard Private 87.5%. p.51 |
| Geographical cover | worldwide p.34 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | covered, subject to annual limit p.34 |
| Full cover on core benefits | partial p.3 |
| Annual limit | 500000 p.2 |
| Lifetime limit | none p.2 |
| Deductible options | none |
| How the deductible applies | none |
| Coinsurance | none |
| Pre-admission outpatient | 1 visit prior to confinement/day case procedure, shared annual limit of HKD 8,400 for pre- and post-outpatient care p.2 |
| Post-discharge outpatient | All follow-up visits within 90 days after discharge/day case procedure, shared annual limit of HKD 8,400 for pre- and post-outpatient care p.2 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.2 |
| Diagnostic imaging coinsurance | 30% p.2 |
| Non-surgical cancer treatment | 200000 p.2 |
| Kidney dialysis | Covered up to HKD 200,000 per Policy Year p.3 |
| Day case procedures | Covered as in-patient, individual benefit limits apply p.34 |
| Home nursing | Covered up to HKD 6,000 per Policy Year, HKD 600 per visit, 1 visit per day, within 90 days after discharge p.3 |
| Hospice care | none p.42 |
| Chinese medicine | none p.20 |
| Physiotherapy | Covered during confinement under miscellaneous charges; covered post-discharge as part of follow-up outpatient care 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.18 |
| Hospital cash | none |
| Companion bed | HKD 400 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 | Cashless/direct billing with Network Hospitals for Elective Medical Packages via AsiaHealthNet card and pre-authorisation p.50 |
| No-claim discount | Annual Benefit Limit increased by 10% if no claim paid during the two preceding policy years p.56 |
| Exclusions beyond the VHIS standard list | Not Medically Necessary treatments; Dependence, overdose or influence of drugs, alcohol, narcotics; Venereal and sexually transmitted disease or its sequelae; 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$8,473 to HK$8,473.
| 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.