Chow Tai Fook ''FlexiCare'' Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00064-04-000-02. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$1,471 |
| 45 | HK$2,299 |
| 60 | HK$3,825 |
| 75 | HK$8,689 |
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$170 |
| Psychiatric treatment | HK$32,260 |
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 | 0% for first 30 days of Policy Year 1, 100% from day 31 of Policy Year 1 p.23 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period. After cooling-off, no refund if cancelled, unless benefits paid. p.5 |
| Switching from another plan | Switching to another plan with upgraded benefits is possible but subject to re-underwriting for the upgraded benefits. p.15 |
| Room class | Standard Semi-private p.49 |
| If a higher room is used | If Standard Private Room is used, 50% of eligible expenses are covered. If Above Standard Private Room is used, 25% of eligible expenses are covered. p.41 |
| Geographical cover | worldwide p.18 |
| Psychiatric treatment area | Hong Kong only p.22 |
| Emergency treatment abroad | Covered worldwide, subject to annual limit p.18 |
| Full cover on core benefits | partial p.51 |
| Annual limit | unlimited (subject to per-disability limits of USD 206,455 or USD 103,230) p.49 |
| Lifetime limit | none p.18 |
| Deductible options | none |
| How the deductible applies | not applicable |
| Coinsurance | none (except for Prescribed Diagnostic Imaging Tests) p.24 |
| Pre-admission outpatient | 1 visit, $170 cap per visit p.50 |
| Post-discharge outpatient | 10 visits within 90 days, $170 cap per visit p.50 |
| General outpatient | none |
| Psychiatric treatment | USD 32,260 per Disability per Policy Year p.50 |
| Diagnostic imaging coinsurance | 30% for inpatient, 20% for day patient p.50 |
| Non-surgical cancer treatment | Fully covered, subject to aggregate limit of USD 206,455 per Disability per Policy Year p.49 |
| Kidney dialysis | Fully covered, subject to aggregate limit of USD 103,230 per Disability per Policy Year p.49 |
| Day case procedures | Covered as inpatient, subject to aggregate limit of USD 103,230 or USD 206,455 per Disability per Policy Year p.19 |
| Home nursing | Fully covered for maximum 30 days per Disability per Policy Year, within 30 days after discharge, subject to aggregate limit of USD 103,230 or USD 206,455 per Disability per Policy Year p.49 |
| Hospice care | USD 6,455 per Policy Year p.52 |
| Chinese medicine | Inpatient/Day Case: Fully covered. Post-Confinement/Day Case: 10 visits within 90 days, $170 cap per visit, shared with basic outpatient care. Subject to aggregate limit of USD 103,230 or USD 206,455 per Disability per Policy Year. p.49 |
| Physiotherapy | During Confinement: Fully covered. Post-discharge: 10 visits within 90 days, $170 cap per visit. p.20 |
| Congenital conditions | Covered from age 8, subject to aggregate limit of USD 103,230 or USD 206,455 per Disability per Policy Year p.26 |
| Pregnancy complications | Covered after 12 months from Policy Effective Date, subject to respective limits of basic and enhanced benefits p.44 |
| Emergency dental | Fully covered for Emergency Treatment due to Accident, subject to aggregate limit of USD 103,230 or USD 206,455 per Disability per Policy Year p.44 |
| Hospital cash | USD 130 per day, for 15 days per Disability per Policy Year, for using a lower ward class in a private HK hospital p.52 |
| Companion bed | Fully covered, subject to aggregate limit of USD 103,230 or USD 206,455 per Disability per Policy Year p.49 |
| No-claim discount | Yes, 16% for first year, then 0-16% at renewal based on claims history, plus up to 4% extra discount for multiple policies. p.39 |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other alternative treatments 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$1,970 to HK$2,299.
| 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 (USD) | Semi-private | None | No annual limit |
| Benefit Level 2 (USD) | 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.