Asia Insurance Asia iCare is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00061-02-001-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,390 |
| 45 | HK$10,504 |
| 60 | HK$18,517 |
| 75 | HK$37,181 |
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.32 |
|---|---|
| Pre-existing conditions unknown at application | No coverage for first 30 days, full coverage from 31st day p.40 |
| Waiting period | 30 days for unknown pre-existing conditions p.40 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period p.25 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, discretion to accept/reject) p.33 |
| Room class | Ward p.3 |
| If a higher room is used | If higher room class is used due to personal preference, adjusted coinsurance applies to supplementary major medical benefit: Semi-Private 50%, Standard Private 75%, Above Standard Private 87.5% p.4 |
| Geographical cover | Worldwide, except for psychiatric treatment and specific network hospital benefits p.36 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | Covered as part of worldwide cover p.36 |
| Full cover on core benefits | Partial (Elective Medical Package at Network Hospital is full cover, other benefits have itemized limits) 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, 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 | HKD 200,000 per Policy Year p.3 |
| Day case procedures | Covered as in-patient for various benefits p.37 |
| Home nursing | HKD 600 per visit, 1 visit per day, up to HKD 6,000 per Policy Year (combined with assistant healthcare service) p.3 |
| Hospice care | none p.44 |
| Chinese medicine | none p.42 |
| Physiotherapy | Covered during confinement and as post-discharge outpatient care (within 90 days), subject to limits of respective benefits p.37 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.42 |
| Pregnancy complications | none p.41 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.41 |
| Hospital cash | none |
| Companion bed | HKD 400 per day, max 180 days per Policy Year (for Insured Person aged below 18 or above 65 only) p.3 |
| Second medical opinion | none |
| Direct billing and pre-authorisation | Available for Elective Medical Package at Network Hospitals (CUHK Medical Centre or CUHK Medical Clinic) via pre-authorisation and AsiaHealthNet card p.52 |
| No-claim discount | Annual Benefit Limit increased by 10% if no claim paid during the two consecutive preceding policy years p.58 |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances for home use p.41 |
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$10,504 to HK$10,504.
| 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.