Asia Insurance Asia iCare is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00061-02-002-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,002 |
| 45 | HK$9,919 |
| 60 | HK$17,571 |
| 75 | HK$35,313 |
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 after Policy Effective Date, full coverage from 31st day p.40 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period. After cooling-off, cancellation with 30 days written notice if no benefit paid in current Policy Year. p.25 |
| Switching from another plan | Switching to another plan with upgraded/additional benefits is possible, subject to re-underwriting for the upgraded/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, except for psychiatric treatment and specific network benefits p.36 |
| Psychiatric treatment area | Hong Kong only p.37 |
| Emergency treatment abroad | Covered worldwide p.36 |
| Full cover on core benefits | Partial, for Elective Medical Package at Network Hospital in Hong Kong only p.3 |
| Annual limit | 500000 p.2 |
| Lifetime limit | none p.2 |
| Deductible options | none |
| Coinsurance | 20% for Supplementary Major Medical Benefit; 30% for Prescribed Diagnostic Imaging Tests p.2 |
| Pre-admission outpatient | 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure, combined limit with post-discharge of $8,400 per Policy Year p.2 |
| Post-discharge outpatient | All follow-up outpatient visits within 90 days after discharge/completion of Day Case Procedure, combined limit with pre-admission of $8,400 per Policy Year 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, $200,000 per Policy Year p.3 |
| Day case procedures | Covered as in-patient, subject to general annual limit and per-item limits p.43 |
| Home nursing | Covered, $600 per visit, 1 visit per day, combined limit with assistant healthcare service of $6,000 per Policy Year p.3 |
| Hospice care | none p.43 |
| Chinese medicine | none p.41 |
| Physiotherapy | Covered during Confinement and as part of post-discharge outpatient care (within 90 days), combined limit with pre-admission of $8,400 per Policy Year p.37 |
| Congenital conditions | Covered from age 8 p.41 |
| 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 | $400 per day, max 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 | Pre-authorisation and cashless arrangement for Elective Medical Package at Network Hospital (CUHK Medical Centre or CUHK Medical Clinic) p.51 |
| No-claim discount | 10% increase in Annual Benefit Limit if no claim incurred in the two preceding Policy Years p.58 |
| Exclusions beyond the VHIS standard list | Traditional Chinese medicine treatment and other alternative treatments; Purchase of durable medical equipment or appliances 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$9,919 to HK$9,919.
| 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.