Blue Cross Love Yourself VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00073-07-000-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,139 |
| 45 | HK$9,065 |
| 60 | HK$19,456 |
| 75 | HK$39,290 |
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 | 12 months for pregnancy complications; 90 days for waiver of deductible for designated critical illnesses, designated sports-related injuries and Permanent Total Disablement p.56 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits paid; no refund after cooling-off period if benefits paid in policy year p.4 |
| Switching from another plan | Allowed to switch to another plan with upgraded/additional benefits, subject to re-underwriting limited to the new benefits p.14 |
| Room class | Ward for HK, Macau, Mainland China (emergency and non-emergency); Semi-private Room for emergency outside HK, Macau, Mainland China; Ward for non-emergency outside HK, Macau, Mainland China p.32 |
| If a higher room is used | Benefits reduced by a ward class adjustment factor: Ward to Semi-private 50%, Ward to Private 25%, Ward to above Private 12.5%; Semi-private to Private 50%, Semi-private to above Private 25% p.65 |
| Geographical cover | Worldwide p.32 |
| Psychiatric treatment area | Hong Kong only p.21 |
| Emergency treatment abroad | Covered worldwide p.32 |
| Full cover on core benefits | yes p.32 |
| Annual limit | HKD6,000,000 p.32 |
| Lifetime limit | HKD40,000,000 p.32 |
| Deductible options | 0, 40000 p.32 |
| How the deductible applies | Per Policy Year; can be reduced to HKD0 for designated critical illnesses, designated sports-related injuries, and Permanent Total Disablement; one-off right to reduce or remove deductible at ages 50, 55, 60, 65, 70, 75, 80, 85 p.32 |
| Coinsurance | none p.22 |
| Pre-admission outpatient | 2 visits per confinement/day case procedure p.33 |
| Post-discharge outpatient | All related follow-up outpatient visits within 90 days after discharge/day case procedure p.33 |
| General outpatient | none |
| Psychiatric treatment | HKD40,000 per Policy Year p.33 |
| Diagnostic imaging coinsurance | none p.32 |
| 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 for home use p.33 |
| Day case procedures | Covered as in-patient, full cover for related outpatient care and Chinese medicine outpatient care p.18 |
| 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 | HKD100,000 per Policy Year for stay in a registered hospice for terminal illness, if stay commences within 90 days of hospital discharge p.33 |
| Chinese medicine | HKD400 per visit, maximum 15 visits per confinement/day case procedure (within 90 days after discharge/completion) p.33 |
| Physiotherapy | Full cover during confinement and for follow-up outpatient visits related to confinement/day case procedure; excluded if confinement solely for physiotherapy p.19 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | HKD100,000 per Policy Year for surgical procedures during confinement/day case for specified complications, if conception occurred after 12 months of policy effective date p.33 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, if treated within 3 months of accident by registered dentist p.33 |
| Hospital cash | HKD1,000 per day, maximum 30 days per Policy Year, for confinement in ICU in Hong Kong for at least 3 consecutive days p.33 |
| Companion bed | Full cover for one extra bed for an immediate family member during inpatient confinement p.33 |
| No-claim discount | Yes, 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.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$9,065 to HK$9,065.
| 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 |
|---|---|---|---|
| HKD40,000 Deductible (Worldwide ) | Ward | HK$40,000 | HKD6,000,000 per Policy Year |
| HKD40,000 Deductible (Worldwide ) | 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.