Chow Tai Fook ''FlexiCare'' Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00064-03-000-02. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$1,188 |
| 45 | HK$1,768 |
| 60 | HK$2,686 |
| 75 | HK$6,080 |
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 | Ward |
|---|---|
| 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$120 |
| Psychiatric treatment | HK$25,810 |
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.13 |
|---|---|
| Pre-existing conditions unknown at application | 0% for first 30 days of first Policy Year, 100% from 31st day of first Policy Year onwards p.23 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period; no refund after cooling-off period if benefits paid in policy year. p.5 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits, subject to re-underwriting limited to the upgraded/additional benefits. p.15 |
| Room class | Standard Ward Room p.49 |
| If a higher room is used | If voluntarily confined in a higher ward class, a ward class adjustment factor is applied: 50% for Standard Semi-private, 25% for Standard Private Room or above. 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 as part of worldwide cover p.18 |
| Full cover on core benefits | Partial (fully covered up to aggregate limit per Disability per Policy Year) p.49 |
| Annual limit | Unlimited p.49 |
| Lifetime limit | none p.18 |
| Deductible options | none |
| How the deductible applies | none |
| Coinsurance | none (except for Prescribed Diagnostic Imaging Tests) p.24 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, $120 per visit p.50 |
| Post-discharge outpatient | 10 visits per Confinement/Day Case Procedure within 90 days, $120 per visit p.50 |
| General outpatient | none |
| Psychiatric treatment | USD25,810 per Disability per Policy Year p.50 |
| Diagnostic imaging coinsurance | 30% during Confinement, 20% for Day Patient p.50 |
| Non-surgical cancer treatment | Fully covered (subject to aggregate limit per Disability per Policy Year) p.50 |
| Kidney dialysis | Fully covered (subject to aggregate limit per Disability per Policy Year) p.51 |
| Day case procedures | Covered as in-patient for various benefits, subject to aggregate limit per Disability per Policy Year p.19 |
| Home nursing | Fully covered, maximum 30 days per Disability per Policy Year (within 30 days after discharge from Hospital) p.50 |
| Hospice care | USD3,875 per Policy Year p.51 |
| Chinese medicine | Fully covered for inpatient/day case treatments and attending practitioner fees; $120 per visit for 10 post-confinement/day case outpatient visits within 90 days. p.50 |
| Physiotherapy | Covered during Confinement under Miscellaneous charges; covered for 10 post-discharge outpatient visits within 90 days, $120 per visit. p.20 |
| Congenital conditions | Covered if manifested or diagnosed at or after age 8 p.26 |
| Pregnancy complications | Covered for specific complications after 12 months from Policy Effective Date, subject to respective benefit limits. p.43 |
| Emergency dental | Fully covered for emergency treatment due to accident within 30 days, subject to aggregate limit per Disability per Policy Year p.43 |
| Hospital cash | none p.51 |
| Companion bed | Fully covered for one extra bed for one person to accompany the Insured Person during Confinement, subject to aggregate limit per Disability per Policy Year p.42 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | Yes, with a 16% discount for the first policy year, and variable discounts (0-20%) for renewals based on claims history and number of policies. p.38 |
| Exclusions beyond the VHIS standard list | venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances; traditional Chinese medicine treatment (broadly) 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$1,515 to HK$1,768.
| 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 1 (USD) | Ward | None | No annual limit |
| Benefit Level 1 (USD) | Ward | 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.