Blue Cross Love Yourself VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00073-08-000-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,367 |
| 45 | HK$6,446 |
| 60 | HK$13,176 |
| 75 | HK$26,608 |
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 p.56 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment. After cooling-off, cancellation with 30 days notice, provided no benefit payment in relevant Policy Year. p.4 |
| Switching from another plan | Switching to a plan with upgraded or additional benefits requires re-underwriting for the upgraded/additional benefits. Switching to a plan with downgraded or reduced benefits does not require re-underwriting. p.14 |
| Room class | Ward for HK/Macau/Mainland China (Emergency/Non-Emergency); Semi-private Room for Emergency outside HK/Macau/Mainland China; Ward for Non-Emergency outside HK/Macau/Mainland China p.33 |
| If a higher room is used | If higher ward class is chosen: Semi-private Room (50% of benefits), Private Room (25% of benefits), Any ward class above Private Room (12.5% of benefits) if designated is Ward. If designated is Semi-private Room: Private Room (50% of benefits), Any ward class above Private Room (25% of benefits). p.65 |
| Geographical cover | Worldwide, except for psychiatric treatment, donor's benefit, and ICU cash benefit which are Hong Kong only p.33 |
| Psychiatric treatment area | Hong Kong only p.21 |
| Emergency treatment abroad | Covered worldwide p.65 |
| Full cover on core benefits | yes p.32 |
| Annual limit | HKD6,000,000 p.33 |
| Lifetime limit | HKD40,000,000 p.33 |
| Deductible options | 0, 80000 p.33 |
| How the deductible applies | Per Policy Year, waived 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.33 |
| Coinsurance | none p.22 |
| Pre-admission outpatient | 2 visits 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 for regular haemodialysis or peritoneal dialysis for chronic and irreversible kidney failure, including rental cost of kidney dialysis machine at home. p.33 |
| Day case procedures | Covered as in-patient for various benefits, including room and board, miscellaneous charges, surgeon's fee, etc. 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 | HKD100,000 per Policy Year p.33 |
| Chinese medicine | HKD400 per visit, 1 visit per day, maximum 15 visits per Confinement/Day Case Procedure within 90 days after discharge. p.33 |
| Physiotherapy | HKD1,800 per day for rehabilitation treatment, maximum 30 days per Policy Year (within 90 days after discharge). Also covered during Confinement. p.19 |
| Congenital conditions | Not covered if manifested or diagnosed before age 8 p.24 |
| Pregnancy complications | HKD100,000 per Policy Year for surgical procedures due to specified complications, with a 12-month 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 Confinement in Intensive Care Unit 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 |
| 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 | Purchase of durable medical equipment or appliances for home use; Traditional Chinese medicine treatment and other alternative treatments (except post-confinement/day case outpatient care). 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$6,446 to HK$6,446.
| 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 |
|---|---|---|---|
| HKD80,000 Deductible (Worldwide ) | Ward | HK$80,000 | HKD6,000,000 per Policy Year |
| HKD80,000 Deductible (Worldwide ) | 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.