China Taiping Taiping Life VHIS Priority Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00062-02-000-02. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$5,789 |
| 45 | HK$8,388 |
| 60 | HK$16,499 |
| 75 | HK$38,156 |
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 | Semi-private |
|---|---|
| Geographical cover | asia |
| Annual limit | HK$20,000,000 |
| Lifetime limit | None |
| Room and board | Paid in full |
| Hospital charges | Paid in full |
| Doctor's visits | Paid in full |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | Paid in full |
| Anaesthetist | Paid in full |
| Operating theatre | Paid in full |
| Diagnostic imaging | Paid in full |
| Non-surgical cancer treatment | Paid in full |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | Paid in full |
Also includes maternity, chinese medicine, home nursing, a companion bed, hospital cash, rehabilitation, hospice care, kidney dialysis, reconstructive surgery, a death benefit.
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.11 |
|---|---|
| Pre-existing conditions unknown at application | No coverage for first 30 days of first Policy Year, full coverage from 31st day of first Policy Year onwards p.18 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment has been made. p.3 |
| Switching from another plan | Allowed to switch to another plan with upgraded or additional benefits, subject to re-underwriting limited to the upgraded/additional benefits. p.12 |
| Room class | Semi-Private Room in Hong Kong, Macau or mainland China; Standard Private Room elsewhere in Asia (excluding HK, Macau, mainland China); Standard Private Room outside Asia (Accident only) p.1 |
| If a higher room is used | If higher ward class is used: Semi-Private to Standard Private 50% adjustment; Semi-Private to above Standard Private 25% adjustment; Standard Private to above Standard Private 50% adjustment p.1 |
| Geographical cover | Asia for non-emergency treatment; worldwide for accidents. For non-emergency outside Asia, benefits are subject to Standard Plan Terms and Benefits. p.1 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | Covered worldwide for accidents. If residing in North America or Western Europe, emergency treatment is covered at 60%. p.1 |
| Full cover on core benefits | yes p.1 |
| Annual limit | 20000000 p.1 |
| Lifetime limit | none p.1 |
| Deductible options | 0, 20000 p.1 |
| How the deductible applies | Per Policy Year. Can be reduced at ages 65, 75, and 85. p.1 |
| Coinsurance | none p.19 |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit or emergency consultation more than 30 days before confinement/day case procedure; full cover for all prior outpatient visits or emergency consultations within 30 days before confinement/day case procedure. p.2 |
| Post-discharge outpatient | Full cover for 3 follow-up outpatient visits within 90 days after discharge or completion of day case procedure. p.2 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.2 |
| Diagnostic imaging coinsurance | none p.1 |
| Non-surgical cancer treatment | 2500000 per Policy Year p.1 |
| Kidney dialysis | Full cover p.2 |
| Day case procedures | Covered as in-patient. Cash allowance of $2,000 per procedure, maximum 1 procedure per Policy Year. p.15 |
| Home nursing | Full cover, maximum 200 days per Policy Year p.2 |
| Hospice care | 100000 per Policy Year p.3 |
| Chinese medicine | $600 per visit, maximum 20 visits per Policy Year p.2 |
| Physiotherapy | $1,000 per visit, maximum 30 visits per Policy Year (includes occupational therapy, speech therapy, chiropractic) p.2 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.21 |
| Pregnancy complications | Full cover p.2 |
| Emergency dental | Covered for injury from accident, including consultation, x-ray, extraction, root canal, if treated within 14 days of accident in a registered dental clinic. p.6 |
| Hospital cash | $2,000 per day for confinement at a lower ward level p.3 |
| Companion bed | Full cover p.2 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.19 |
At a constant age of 45, China Taiping has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$8,388 to HK$8,388.
| 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.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| HKD20,000 Deductible | Semi-private | HK$20,000 | HKD 20,000,000 per Policy Year |
| HKD20,000 Deductible | Semi-private | HK$20,000 | HKD 20,000,000 per Policy Year |
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.