Blue Cross Love Yourself VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00073-04-000-01. It entitles the insured to a ward room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$2,883 |
| 45 | HK$4,254 |
| 60 | HK$8,695 |
| 75 | HK$17,558 |
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 within 21-day cooling-off period if no claim made. After cooling-off, 30 days written notice required, no refund if claim made in policy year. p.4 |
| Switching from another plan | Switching to upgrade benefits is subject to re-underwriting for the upgraded benefits. Switching to downgrade benefits is at company's discretion without re-underwriting. p.14 |
| Room class | Ward for non-emergency in HK, Macau, Mainland China, and Asia & Australia-New Zealand; Semi-private for emergency in Asia & Australia-New Zealand and outside p.32 |
| If a higher room is used | If designated ward is Ward: 50% for Semi-private, 25% for Private, 12.5% for above Private. If designated ward is Semi-private: 50% for Private, 25% for above Private. p.65 |
| Geographical cover | Asia & Australia-New Zealand (see document for full list of countries) p.32 |
| Psychiatric treatment area | Hong Kong only p.33 |
| Emergency treatment abroad | Covered outside Asia & Australia-New Zealand, excluding psychiatric treatment, donor's benefit, and ICU cash benefit p.65 |
| Full cover on core benefits | yes p.32 |
| Annual limit | 6000000 p.32 |
| Lifetime limit | 40000000 p.32 |
| Deductible options | 80000 p.32 |
| How the deductible applies | Per Policy Year. Reduced to $0 for designated critical illnesses, sports injuries, or Permanent Total Disablement. One-off right to reduce/remove at ages 50, 55, 60, 65, 70, 75, 80, 85. p.32 |
| Coinsurance | none p.25 |
| Pre-admission outpatient | 2 prior outpatient visits or emergency consultations per confinement/day case procedure p.33 |
| Post-discharge outpatient | All related follow-up outpatient visits within 90 days after discharge or completion of day case procedure p.33 |
| General outpatient | none |
| Psychiatric treatment | 40000 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, and rental cost of machine for home use p.33 |
| Day case procedures | Covered as in-patient for various benefits, no specific limit stated beyond overall annual/lifetime limits p.18 |
| 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 | 100000 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 post-discharge) p.33 |
| Physiotherapy | Covered during confinement under miscellaneous charges; covered as follow-up outpatient visit post-confinement/day case; HKD1,800 per day for max 30 days per policy year for rehabilitation treatment in a Rehabilitation Centre. p.19 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.24 |
| Pregnancy complications | HKD100,000 per policy year, for complications from conception after first 12 months of 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 confinement in ICU 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 | Hair Mineral Analysis (HMA); purchase of home air purifiers/conditioners/heat appliances; hypnotism, qigong, massage, aromatherapy, naturopathy, hydropathy, homeotherapy. 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$3,975 to HK$4,254.
| 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 |
|---|---|---|---|
| HKD80,000 Deductible (Asia & Australia-New Zealand) | Ward | HK$80,000 | HKD6,000,000 per Policy Year |
| HKD80,000 Deductible (Asia & Australia-New Zealand) | Ward | HK$80,000 | 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.