China Taiping Taiping Life VHIS Priority Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00062-04-000-02. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$1,448 |
| 45 | HK$2,097 |
| 60 | HK$4,125 |
| 75 | HK$9,539 |
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$2,500,000 |
| 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.10 |
|---|---|
| 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 | 30 days for unknown pre-existing conditions p.18 |
| 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 upgrade or additional benefits, re-underwriting limited to such upgrade/additional benefits p.12 |
| Room class | Semi-Private Room in Hong Kong, Macau or mainland China; Standard Private Room elsewhere in Asia; Standard Private Room outside Asia (Accident only) p.30 |
| If a higher room is used | Benefits multiplied by 50% if Semi-Private to Standard Private or Standard Private to higher; 25% if Semi-Private to higher than Standard Private p.31 |
| 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.30 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | Covered worldwide for Accidents, subject to Standard Private Room entitlement p.30 |
| Full cover on core benefits | yes p.30 |
| Annual limit | USD2,500,000 p.30 |
| Lifetime limit | none p.30 |
| Deductible options | 0 p.30 |
| How the deductible applies | Per Policy Year; reduction option at ages 65, 75, 85 p.30 |
| Coinsurance | none p.22 |
| Pre-admission outpatient | Full cover for 1 visit more than 30 days before, all visits within 30 days before Confinement/Day Case Procedure p.31 |
| Post-discharge outpatient | Full cover for 3 follow-up visits within 90 days after discharge/completion of Day Case Procedure p.31 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.31 |
| Diagnostic imaging coinsurance | none p.30 |
| Non-surgical cancer treatment | USD312,500 per Policy Year p.30 |
| Kidney dialysis | Full cover p.31 |
| Day case procedures | Covered as in-patient for basic benefits (full cover); cash allowance of USD250 per procedure, max 1 per policy year p.31 |
| Home nursing | Full cover, max 200 days per policy year within 200 days after discharge from hospital following surgery or completion of Day Case Procedure p.31 |
| Hospice care | USD12,500 per Policy Year p.32 |
| Chinese medicine | USD75 per visit, max 20 visits per policy year within 90 days after discharge/completion of Day Case Procedure p.31 |
| Physiotherapy | USD125 per visit, max 30 visits per policy year within 90 days after discharge/completion of Day Case Procedure p.31 |
| Congenital conditions | Covered from age 8 p.21 |
| Pregnancy complications | Full cover for Covered Pregnancy Complications diagnosed after 12 months from Policy Effective Date p.31 |
| Emergency dental | Full cover for treatment of natural teeth due to Accident, within 14 days of Accident, in a registered dental clinic p.35 |
| Hospital cash | USD250 per day for Confinement at a lower ward level, not payable for Hong Kong public hospitals p.32 |
| Companion bed | Full cover p.31 |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Purchase of durable medical equipment or appliances; Traditional Chinese medicine and other alternative treatments (unless specified as covered) 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$2,097 to HK$2,097.
| 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 |
|---|---|---|---|
| USD0 Deductible | Semi-private | None | USD 2,500,000 per Policy Year |
| USD0 Deductible | Semi-private | None | USD 2,500,000 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.