Blue Cross Love Yourself VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00073-01-000-01. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$9,003 |
| 45 | HK$13,289 |
| 60 | HK$27,167 |
| 75 | HK$54,863 |
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 | asia |
| Annual limit | HK$6,000,000 |
| Lifetime limit | HK$40,000,000 |
| 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 | Paid in full |
| Psychiatric treatment | HK$40,000 |
Also includes outpatient general, dental, maternity, chinese medicine, home nursing, a companion bed, hospital cash, rehabilitation, hospice care, kidney dialysis, reconstructive surgery.
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 | lifetime p.12 |
|---|---|
| Pre-existing conditions unknown at application | 100% from year 1 p.21 |
| Waiting period | 90 days for waiver of deductible for designated critical illnesses, designated sports-related injuries or Permanent Total Disablement p.75 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment has been made. After cooling-off, no refund if benefits paid. p.4 |
| Switching from another plan | Switching to another plan with upgraded or added benefits is subject to re-underwriting for the new benefits; switching to a plan with downgraded or reduced benefits is at the Company's discretion without re-underwriting. p.14 |
| Room class | Ward p.32 |
| If a higher room is used | If voluntarily confined in a higher class room, benefits are reduced by a ward class adjustment factor: Ward to Semi-private 50%, Ward to Private 25%, Ward to above Private 12.5%; Semi-private to Private 50%, Semi-private to above Private 25% p.66 |
| Geographical cover | Asia & Australia-New Zealand p.32 |
| Psychiatric treatment area | Hong Kong only p.32 |
| Emergency treatment abroad | Covered outside Asia & Australia-New Zealand, subject to Terms and Benefits p.65 |
| Full cover on core benefits | yes p.33 |
| Annual limit | 6000000 p.32 |
| Lifetime limit | 40000000 p.32 |
| Deductible options | 0 p.32 |
| How the deductible applies | Per Policy Year; one-off right to reduce or remove deductible without re-underwriting at ages 50, 55, 60, 65, 70, 75, 80, 85 or upon a milestone event p.32 |
| Coinsurance | none p.22 |
| Pre-admission outpatient | 2 visits per Confinement/Day Case Procedure p.32 |
| Post-discharge outpatient | All related follow-up outpatient visits within 90 days after discharge or Day Case Procedure p.32 |
| General outpatient | none |
| Psychiatric treatment | HKD40,000 per Policy Year p.32 |
| Diagnostic imaging coinsurance | none p.32 |
| Non-surgical cancer treatment | full cover p.32 |
| Kidney dialysis | Full cover for regular haemodialysis or peritoneal dialysis in day-case unit or clinic, or rental cost of kidney dialysis machine for home use p.32 |
| Day case procedures | Covered as in-patient, plus HKD1,200 cash allowance per Day Case Procedure for specific procedures p.18 |
| Home nursing | Full cover for nursing services by 1 Registered Nurse per day, maximum 90 days per Policy Year (within 90 days after discharge from Hospital following surgery or ICU admission) p.34 |
| Hospice care | HKD100,000 per Policy Year for stay in a registered hospice for terminal illness p.34 |
| Chinese medicine | HKD400 per visit, 1 visit per day, maximum 15 visits per Confinement/Day Case Procedure (within 90 days after discharge or Day Case Procedure) p.34 |
| Physiotherapy | Covered during Confinement under Miscellaneous charges and as post-Confinement/Day Case Procedure outpatient care p.19 |
| Congenital conditions | Covered if unknown at application; excluded if manifested or diagnosed before age 8 p.21 |
| Pregnancy complications | HKD100,000 per Policy Year for surgical procedures during Confinement or Day Patient setting for specific complications, if conception occurred after first 12 months of Policy Effective Date p.34 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, within 3 months of accident p.34 |
| Hospital cash | HKD1,000 per day for ICU confinement in Hong Kong (max 30 days); HKD800 per day for top-up subsidy (max 60 days) p.34 |
| Companion bed | Full cover for one extra bed for an immediate family member p.34 |
| Direct billing and pre-authorisation | Reimbursement basis only p.1 |
| No-claim discount | 7.5% for 2 years no claim, 12.5% for 3-4 years, 15% for 5 years, 20% for 6+ years p.60 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.23 |
At a constant age of 45, Blue Cross has filed 1 schedule change on this plan since 2021, an average of +2.7% a year, taking the premium from HK$12,419 to HK$13,289.
| Year | Change |
|---|---|
| 2025 | no change |
| 2026 | +7.0% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| HKD0 Deductible (Asia & Australia-New Zealand) | Ward | None | HKD6,000,000 per Policy Year |
| HKD0 Deductible (Asia & Australia-New Zealand) | Ward | None | HKD6,000,000 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.