Blue Cross Love Yourself VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00073-06-000-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$7,095 |
| 45 | HK$10,472 |
| 60 | HK$21,410 |
| 75 | HK$43,238 |
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.12 |
|---|---|
| Pre-existing conditions unknown at application | 100% from year 1 p.21 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit paid; after cooling-off, cancellation with 30 days notice if no benefit paid in policy year p.4 |
| Switching from another plan | Switching to another plan with upgraded benefits is subject to re-underwriting; switching to downgraded benefits is at company's discretion without re-underwriting p.14 |
| Room class | Ward for non-emergency in Hong Kong, Macau, Mainland China and outside; Semi-private Room for emergency outside Hong Kong, Macau, Mainland China p.32 |
| If a higher room is used | Benefits reduced by a ward class adjustment factor: 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.65 |
| Geographical cover | Worldwide, except for psychiatric treatment, donor's benefit, and cash benefit for ICU confinement in Hong Kong, which are Hong Kong only p.32 |
| Psychiatric treatment area | Hong Kong only p.18 |
| Emergency treatment abroad | Covered under worldwide territory p.32 |
| Full cover on core benefits | yes p.34 |
| Annual limit | 6000000 p.32 |
| Lifetime limit | 40000000 p.32 |
| Deductible options | 0, 20000 p.32 |
| How the deductible applies | Per Policy Year, with a one-off right to reduce or 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 from Hospital or completion of Day Case Procedure p.33 |
| General outpatient | none |
| Psychiatric treatment | 40000 p.33 |
| 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.33 |
| Day case procedures | Covered as in-patient for many benefit items, including room and board, miscellaneous charges, surgeon's fee, etc. p.19 |
| 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.33 |
| Hospice care | 100000 p.33 |
| Chinese medicine | HKD400 per visit, maximum 15 visits per Confinement/Day Case Procedure (within 90 days after discharge/completion) p.33 |
| Physiotherapy | Covered during confinement under miscellaneous charges; HKD1,800 per day for rehabilitation treatment, maximum 30 days per Policy Year (within 90 days after discharge) p.19 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.24 |
| Pregnancy complications | 100000 per Policy Year, for complications from conception after first 12 months of policy 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, maximum 30 days per Policy Year p.33 |
| Companion bed | Full cover for one extra bed for an immediate family member p.33 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| 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) p.22 |
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$10,472 to HK$10,472.
| 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 |
|---|---|---|---|
| HKD20,000 Deductible (Worldwide ) | Ward | HK$20,000 | HKD6,000,000 per Policy Year |
| HKD20,000 Deductible (Worldwide ) | 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.