Blue Cross Love Yourself VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00073-03-000-01. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$4,053 |
| 45 | HK$5,983 |
| 60 | HK$12,837 |
| 75 | HK$25,926 |
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 p.56 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period p.4 |
| Switching from another plan | Switching to upgrade benefits requires re-underwriting; switching to downgrade benefits does not require re-underwriting but is subject to company discretion p.14 |
| Room class | Ward in Hong Kong, Macau, Mainland China; Semi-private for emergency in Asia & Australia-New Zealand; Ward for non-emergency in Asia & Australia-New Zealand p.32 |
| If a higher room is used | Benefits reduced by 50% for Semi-private, 25% for Private, 12.5% for above Private if designated is Ward; 50% for Private, 25% for above Private if designated is Semi-private p.66 |
| Geographical cover | 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.34 |
| Emergency treatment abroad | Covered outside Asia & Australia-New Zealand p.65 |
| Full cover on core benefits | yes p.32 |
| Annual limit | HKD6,000,000 p.32 |
| Lifetime limit | HKD40,000,000 p.32 |
| Deductible options | HKD40,000 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, 85 p.32 |
| Coinsurance | none |
| Pre-admission outpatient | 2 prior outpatient visits or emergency consultations 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 p.33 |
| Day case procedures | Covered as in-patient, full cover p.32 |
| Home nursing | Full cover, 1 Registered Nurse per day, maximum 90 days per Policy Year (within 90 days after discharge) 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) p.33 |
| Physiotherapy | HKD1,800 per day, max 30 days per Policy Year for rehabilitation treatment (within 90 days after discharge); also covered during confinement and post-discharge outpatient p.33 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | HKD100,000 per Policy Year, after 12 months waiting period from Policy Effective Date 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 ICU confinement 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 |
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$5,591 to HK$5,983.
| 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 |
|---|---|---|---|
| HKD40,000 Deductible (Asia & Australia-New Zealand) | Ward | HK$40,000 | HKD6,000,000 per Policy Year |
| HKD40,000 Deductible (Asia & Australia-New Zealand) | Ward | HK$40,000 | 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.