China Taiping Taiping Life VHIS Priority Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00062-05-000-02. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$724 |
| 45 | HK$1,049 |
| 60 | HK$2,063 |
| 75 | HK$4,770 |
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.11 |
|---|---|
| Pre-existing conditions unknown at application | First 30 days of the first Policy Year no coverage, 31st day of the first Policy Year onwards full coverage p.18 |
| Waiting period | 30 days for unknown pre-existing conditions p.18 |
| Cancellation and refund | Full refund during 21-day cooling-off period if no benefit paid; no refund after cooling-off period if cancelled by policyholder, unless for death of Insured Person or company ceases authorization (pro-rata refund) p.3 |
| Switching from another plan | Switching to upgrade benefits may lead to re-underwriting; switching to downgrade benefits does not lead to re-underwriting but is subject to 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); Standard Private Room outside Asia (Accident only) p.1 |
| If a higher room is used | If higher than entitled: 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 (as defined in Note 1 of Benefit Schedule) for non-emergency; worldwide for accidents p.1 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | Covered worldwide for accidents, up to Standard Private Room outside Asia p.1 |
| Full cover on core benefits | yes p.1 |
| Annual limit | USD2,500,000 p.1 |
| Lifetime limit | none p.1 |
| Deductible options | 0, 2500 p.1 |
| How the deductible applies | Per Policy Year, reducible at ages 65, 75, and 85 p.1 |
| Coinsurance | none p.22 |
| Pre-admission outpatient | Full cover for 1 prior visit more than 30 days before, or all prior visits within 30 days before Confinement/Day Case Procedure p.2 |
| Post-discharge outpatient | Full cover for 3 follow-up visits within 90 days after discharge/completion of Day Case Procedure p.2 |
| General outpatient | none |
| Psychiatric treatment | USD2,500,000 p.2 |
| Diagnostic imaging coinsurance | none p.1 |
| Non-surgical cancer treatment | USD312,500 per Policy Year p.1 |
| Kidney dialysis | Full cover p.2 |
| Day case procedures | Covered as in-patient for basic benefits; cash allowance of USD250 per procedure, max 1 per Policy Year p.3 |
| Home nursing | Full cover, maximum 200 days per Policy Year within 200 days after discharge/Day Case Procedure p.2 |
| Hospice care | USD12,500 per Policy Year p.3 |
| Chinese medicine | USD75 per visit, max 20 visits per Policy Year within 90 days after discharge/Day Case Procedure p.2 |
| Physiotherapy | USD125 per visit, max 30 visits per Policy Year within 90 days after discharge/Day Case Procedure 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 p.2 |
| Emergency dental | Full cover for natural teeth treatment due to accident, within 14 days of accident p.6 |
| Hospital cash | USD250 per day for confinement in a lower ward level than entitled, not applicable for HK public hospitals p.3 |
| Companion bed | Full cover for an extra bed for one companion during confinement p.2 |
| Exclusions beyond the VHIS standard list | Dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents; Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other forms of alternative treatment; Eligible Expenses reimbursed under any law, medical program or other third party p.20 |
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$1,049 to HK$1,049.
| 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 |
|---|---|---|---|
| USD2,500 Deductible | Semi-private | HK$2,500 | USD 2,500,000 per Policy Year |
| USD2,500 Deductible | Semi-private | HK$2,500 | 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.