China Taiping Taiping Life VHIS Priority Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00062-03-000-02. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$4,862 |
| 45 | HK$7,046 |
| 60 | HK$13,859 |
| 75 | HK$32,051 |
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 or is impending. No refund after cooling-off period. p.3 |
| 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, company discretion). 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) and outside Asia (Accident only) p.1 |
| If a higher room is used | If Semi-Private Room entitled: 50% for Standard Private Room, 25% for any ward class above Standard Private Room. If Standard Private Room entitled: 50% for any ward class above Standard Private Room. p.1 |
| Geographical cover | Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam) 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 reduced to 60%. p.1 |
| Full cover on core benefits | yes p.3 |
| Annual limit | 20,000,000 HKD per Policy Year p.1 |
| Lifetime limit | none p.1 |
| Deductible options | 0, 50000 p.1 |
| How the deductible applies | Per Policy Year, with option to reduce at ages 65, 75, and 85 p.1 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover. 1 visit more than 30 days before, all visits within 30 days before Confinement/Day Case Procedure. p.2 |
| Post-discharge outpatient | Full cover. 3 follow-up visits within 90 days after discharge from Hospital 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 | 2,500,000 HKD per Policy Year p.1 |
| Kidney dialysis | Full cover p.2 |
| Day case procedures | Covered as in-patient for various benefits. Cash allowance of 2,000 HKD per procedure, max 1 per policy year. p.3 |
| Home nursing | Full cover, max 200 days per policy year, within 200 days after discharge from hospital following surgery or day case procedure. p.2 |
| Hospice care | 100,000 HKD per Policy Year p.3 |
| Chinese medicine | 600 HKD per visit, max 20 visits per policy year, within 90 days after discharge from hospital or day case procedure. p.2 |
| Physiotherapy | Full cover during confinement. 1,000 HKD per visit, max 30 visits per policy year for post-confinement ancillary treatment. 1,000 HKD per visit, max 30 visits per incident for stroke ancillary benefit. p.2 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.21 |
| Pregnancy complications | Full cover for Covered Pregnancy Complications after 12-month waiting period, for benefits under Sections 3(a) to (i) and 3(k) of Part 6. p.2 |
| Emergency dental | Covered for emergency treatment and surgery during confinement due to accident. Also covered for natural teeth treatment due to accident within 14 days in a registered dental clinic. p.20 |
| Hospital cash | 2,000 HKD per day for confinement in a lower ward level, not applicable for Hong Kong public hospitals. p.3 |
| Companion bed | Full cover for an extra bed for one person accompanying the insured during confinement. p.2 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other alternative treatments. 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$7,046 to HK$7,046.
| 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 |
|---|---|---|---|
| HKD50,000 Deductible | Semi-private | HK$50,000 | HKD 20,000,000 per Policy Year |
| HKD50,000 Deductible | Semi-private | HK$50,000 | 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.