Blue Cross Love Yourself VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00073-02-000-01. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$4,681 |
| 45 | HK$6,912 |
| 60 | HK$14,128 |
| 75 | HK$28,531 |
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 | 12 months for pregnancy complications; 90 days for waiver of deductible for designated critical illnesses, designated sports-related injuries or Permanent Total Disablement p.56 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment has been made or is impending. No refund after cooling-off period. p.4 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits requires re-underwriting for those benefits; switching to a plan with downgraded/reduced benefits does not require re-underwriting but is subject to company discretion. p.14 |
| Room class | Ward for non-emergency in Asia & Australia-New Zealand; Semi-private Room for emergency in Asia & Australia-New Zealand (except HK, Macau, Mainland China) and outside Asia & Australia-New Zealand p.32 |
| If a higher room is used | Ward: Semi-private Room 50%, Private Room 25%, above Private Room 12.5%; Semi-private Room: Private Room 50%, above Private Room 25% p.65 |
| Geographical cover | Asia & Australia-New Zealand (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Mainland China, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor‐Leste, Turkmenistan, Uzbekistan and Vietnam) p.32 |
| Psychiatric treatment area | Hong Kong only p.33 |
| Emergency treatment abroad | Covered worldwide for Emergency Treatment, subject to Semi-private Room class outside Asia & Australia-New Zealand p.32 |
| Full cover on core benefits | yes p.32 |
| Annual limit | 6,000,000 p.32 |
| Lifetime limit | 40,000,000 p.32 |
| Deductible options | 20,000 p.32 |
| How the deductible applies | Per Policy Year, with one-off right to reduce or remove at ages 50, 55, 60, 65, 70, 75, 80, or 85 p.32 |
| Coinsurance | none p.32 |
| Pre-admission outpatient | 2 visits or emergency consultations per confinement/day case procedure p.33 |
| Post-discharge outpatient | All related follow-up visits within 90 days after discharge or day case procedure p.33 |
| General outpatient | none |
| Psychiatric treatment | HKD40,000 per Policy Year p.33 |
| Diagnostic imaging coinsurance | none p.33 |
| Non-surgical cancer treatment | full cover p.33 |
| Kidney dialysis | Full cover for regular haemodialysis or peritoneal dialysis in day-case unit or clinic, or rental cost of kidney dialysis machine at home p.33 |
| Day case procedures | Covered as in-patient for various benefits, including room and board, miscellaneous charges, surgeon's fee, and pre/post-procedure outpatient care p.25 |
| Home nursing | Full cover for 1 Registered Nurse per day, maximum 90 days per Policy Year (within 90 days after discharge from Hospital following surgery or ICU admission) p.33 |
| Hospice care | HKD100,000 per Policy Year p.33 |
| Chinese medicine | HKD400 per visit, 1 visit per day, max 15 visits per confinement/day case procedure (within 90 days after discharge/completion) p.33 |
| Physiotherapy | Covered during confinement under miscellaneous charges; covered in post-discharge outpatient care; HKD1,800 per day for rehabilitation treatment in a Rehabilitation Centre, max 30 days per Policy Year (within 90 days after discharge) p.19 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.24 |
| Pregnancy complications | HKD100,000 per Policy Year for specific complications (abruptio placentae, placenta previa, hydatidiform mole, ectopic pregnancy, retained placenta or membranes) if conception occurred after first 12 months p.33 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, within 3 months of accident p.33 |
| Hospital cash | HKD1,000 per day for Confinement in Intensive Care Unit in Hong Kong, max 30 days per Policy Year p.33 |
| Companion bed | Full cover for one extra bed for an immediate family member p.33 |
| No-claim discount | 7.5% for 2 years, 12.5% for 3-4 years, 15% for 5 years, 20% for 6+ years of no claims 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$6,459 to HK$6,912.
| 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 |
|---|---|---|---|
| HKD20,000 Deductible (Asia & Australia-New Zealand) | Ward | HK$20,000 | HKD6,000,000 per Policy Year |
| HKD20,000 Deductible (Asia & Australia-New Zealand) | Ward | HK$20,000 | 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.