Chow Tai Fook ''FlexiCare'' Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00064-02-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$9,690 |
| 45 | HK$15,140 |
| 60 | HK$25,194 |
| 75 | HK$57,237 |
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 | worldwide |
| Annual limit | None |
| 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 | HK$1,300 |
| Psychiatric treatment | HK$250,000 |
Also includes outpatient general, dental, maternity, home nursing, a companion bed, hospital cash, hospice care, kidney dialysis, 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 | 128 p.14 |
|---|---|
| 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.23 |
| Waiting period | 30 days for unknown pre-existing conditions p.23 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment made. No refund after cooling-off period. p.5 |
| Switching from another plan | Allowed to switch to plans with upgraded/added benefits (re-underwriting limited to new benefits) or downgraded/reduced benefits (no re-underwriting, company discretion). p.15 |
| Room class | Standard Semi-private Room p.49 |
| If a higher room is used | If voluntarily confined in Standard Private Room, 50% adjustment factor; if Above Standard Private Room, 25% adjustment factor p.41 |
| Geographical cover | Worldwide, except for psychiatric treatments and cash benefit for room and board confinement below entitled ward class in a private hospital in Hong Kong p.18 |
| Psychiatric treatment area | Hong Kong only p.22 |
| Emergency treatment abroad | Covered worldwide p.18 |
| Full cover on core benefits | Partial, some items are fully covered, others have caps or percentage limits for designated surgical procedures p.49 |
| Annual limit | Unlimited p.49 |
| Lifetime limit | None p.18 |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests during Confinement; 20% for Prescribed Diagnostic Imaging Tests as Day Patient p.50 |
| Pre-admission outpatient | 1 visit per confinement/day case procedure, up to HKD 1,300 per visit p.50 |
| Post-discharge outpatient | 10 follow-up visits within 90 days after discharge/day case procedure, up to HKD 1,300 per visit p.50 |
| General outpatient | None |
| Psychiatric treatment | HKD 250,000 per Disability per Policy Year p.50 |
| Diagnostic imaging coinsurance | 30% during Confinement, 20% as Day Patient p.50 |
| Non-surgical cancer treatment | Full cover p.50 |
| Kidney dialysis | Fully covered p.51 |
| Day case procedures | Covered as in-patient, subject to specific benefit limits for various items p.19 |
| Home nursing | Fully covered, maximum 30 days per Disability per Policy Year, within 30 days after discharge p.51 |
| Hospice care | HKD 50,000 per Policy Year p.51 |
| Chinese medicine | Fully covered for inpatient/day case treatments and attending practitioner fees; HKD 1,300 per visit for 10 follow-up outpatient visits within 90 days p.51 |
| Physiotherapy | Covered during confinement under miscellaneous charges; covered for 10 follow-up outpatient visits within 90 days after discharge/day case procedure p.20 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.26 |
| Pregnancy complications | Covered for specific complications (ectopic, molar, pre-eclampsia, etc.) subject to basic and enhanced benefit limits p.51 |
| Emergency dental | Fully covered for emergency treatment due to accident within 30 days of accident p.51 |
| Hospital cash | HKD 1,000 per day for up to 15 days per Disability per Policy Year for confinement in a lower ward class p.51 |
| Companion bed | Fully covered p.50 |
| No-claim discount | 16% for first policy year. From renewal, 16% if no claim, 8% if claim, then 0%. Can return to 16% after 3 claim-free years. Extra discount for multiple policies. p.38 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); Specific Chinese medicines (e.g. ginseng, cordyceps) p.25 |
At a constant age of 45, Chow Tai Fook has filed 2 schedule changes on this plan since 2021, an average of +3.6% a year, taking the premium from HK$15,271 to HK$17,812.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | +8.0% |
| 2025 | +8.0% |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Benefit Level 2 (HKD) | Semi-private | None | No annual limit |
| Benefit Level 2 (HKD) | Semi-private | None | No annual limit |
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.