Blue Cross Love Yourself VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00073-05-000-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$13,643 |
| 45 | HK$20,140 |
| 60 | HK$41,173 |
| 75 | HK$83,149 |
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 | worldwide |
| 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.13 |
|---|---|
| Pre-existing conditions unknown at application | 100% from year 1 p.22 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period; no refund after cooling-off period if benefits paid, otherwise 30 days written notice required p.4 |
| Switching from another plan | Switching to upgrade benefits requires re-underwriting for the upgraded benefits; switching to downgrade benefits does not require re-underwriting but is subject to company discretion p.14 |
| Room class | Ward (HK, Macau, Mainland China); Semi-private (Emergency outside HK, Macau, Mainland China); Ward (Non-Emergency outside HK, Macau, Mainland China) p.33 |
| If a higher room is used | If voluntarily confined in higher class: Ward to Semi-private (50% adjustment), Ward to Private (25% adjustment), Ward to above Private (12.5% adjustment); Semi-private to Private (50% adjustment), Semi-private to above Private (25% adjustment) p.66 |
| Geographical cover | Worldwide, except for psychiatric treatment, donor's benefit, and cash benefit for ICU confinement in Hong Kong p.33 |
| Psychiatric treatment area | Hong Kong only p.21 |
| Emergency treatment abroad | Covered as part of worldwide territory p.33 |
| Full cover on core benefits | yes p.32 |
| Annual limit | 6000000 p.33 |
| Lifetime limit | 40000000 p.33 |
| Deductible options | 0 p.33 |
| How the deductible applies | Per Policy Year p.26 |
| Coinsurance | none p.25 |
| Pre-admission outpatient | 2 visits per Confinement/Day Case Procedure p.32 |
| Post-discharge outpatient | All related follow-up visits within 90 days after discharge or Day Case Procedure p.32 |
| General outpatient | none |
| Psychiatric treatment | 40000 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, and rental cost of kidney dialysis machine for home use p.32 |
| Day case procedures | Covered as in-patient for various benefits; HKD1,200 cash allowance per Day Case Procedure for specified procedures p.33 |
| 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.32 |
| Hospice care | 100000 p.33 |
| Chinese medicine | HKD400 per visit, 1 visit per day, max 15 visits per Confinement/Day Case Procedure (within 90 days after discharge or completion) p.32 |
| Physiotherapy | Covered during confinement under miscellaneous charges; covered as post-confinement/day case outpatient care; HKD1,800 per day for rehabilitation treatment, max 30 days per Policy Year p.19 |
| Congenital conditions | Covered from 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.32 |
| Hospital cash | HKD1,200 per Day Case Procedure; HKD1,000 per day for ICU confinement in Hong Kong (max 30 days); HKD800 per day for top-up subsidy (max 60 days) p.33 |
| Companion bed | Full cover for one extra bed for an immediate family member p.32 |
| 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 | Dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents; Hair Mineral Analysis (HMA); Purchase of durable medical equipment or appliances; Traditional Chinese medicine and other alternative treatments (unless post-confinement/day case) p.23 |
At a constant age of 45, Blue Cross has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$20,140 to HK$20,140.
| Year | Change |
|---|---|
| 2025 | no change |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| HKD0 Deductible (Worldwide ) | Ward | None | HKD6,000,000 per Policy Year |
| HKD0 Deductible (Worldwide ) | 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.