HSBC Life Vital Care Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00076-01-000-02. It entitles the insured to a ward room and covers treatment greater_china.
| Age | Annual premium |
|---|---|
| 30 | HK$8,183 |
| 45 | HK$13,074 |
| 60 | HK$27,855 |
| 75 | HK$59,190 |
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 | greater_china |
| Annual limit | HK$5,000,000 |
| Lifetime limit | HK$20,000,000 |
| 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 | As stated in the schedule |
| Psychiatric treatment | HK$30,000 |
Also includes home nursing, a companion bed, rehabilitation, hospice care, kidney dialysis, reconstructive surgery, a death benefit.
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 | 100 p.13 |
|---|---|
| Pre-existing conditions unknown at application | 100% from year 1 p.23 |
| Waiting period | none |
| Cancellation and refund | Full refund during 21-day cooling-off period. After cooling-off, cancellation with 30 days notice if no claims in policy year. Pro-rata refund upon death of Insured Person or Company ceasing authorisation. p.4 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits requires re-underwriting limited to those benefits. Switching to a plan with downgraded/reduced benefits does not require re-underwriting but is subject to Company discretion. p.15 |
| Room class | General Ward p.1 |
| If a higher room is used | Adjustment factor applied to Variable Benefits: Semi-private Room 50%, Standard Private Room 25%, Any ward class above Standard Private Room 0% p.2 |
| Geographical cover | Greater China (mainland China, Hong Kong, Macao and Taiwan) p.1 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered up to Standard Plan Terms and Benefits limits, subject to deductible p.1 |
| Full cover on core benefits | partial p.1 |
| Annual limit | 5000000 p.1 |
| Lifetime limit | 20000000 p.1 |
| Deductible options | 0 p.1 |
| How the deductible applies | Per policy year, applies to all benefits unless otherwise stated. Option to remove or decrease deductible without re-underwriting at age 55 and every 5 years thereafter, once per lifetime. p.30 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit or emergency consultation (more than 30 days before admission) and all prior outpatient visits or emergency consultations (within 30 days before admission) p.1 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge/Day Case Procedure, or 180 days after discharge for major/complex surgery p.1 |
| General outpatient | none |
| Psychiatric treatment | HKD30,000 per Policy Year p.2 |
| Diagnostic imaging coinsurance | none p.1 |
| Non-surgical cancer treatment | full cover p.1 |
| Kidney dialysis | Full cover p.2 |
| Day case procedures | Covered as in-patient for Medically Necessary surgical procedures p.20 |
| Home nursing | Full cover within 90 days after discharge/Day Case Procedure, up to 1 Qualified Nurse per day for a maximum of 90 days per Policy Year p.2 |
| Hospice care | none p.7 |
| Chinese medicine | none p.7 |
| Physiotherapy | Maximum 3 visits in total for physiotherapy, chiropractic treatment, occupational therapy and/or speech therapy within 90 days post-discharge/Day Case Procedure. Additional HKD3,000 per Policy Year for post-Confinement/Day Case Procedure outpatient physiotherapy (max 1 visit per day) if item (k) is exhausted. p.2 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.27 |
| Pregnancy complications | Excluded p.26 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident. Follow-up treatment after discharge is not covered. p.26 |
| Hospital cash | none p.8 |
| Companion bed | Full cover for cost of an extra bed in the same Hospital for one companion during Insured Person's Confinement, excludes guest meals. p.2 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | Yes, 5% for 3 claim-free years, 10% for 4 claim-free years, 15% for 5+ claim-free years p.1 |
| Exclusions beyond the VHIS standard list | Prophylactic treatment or preventive care, including Hair Mineral Analysis (HMA); Purchase of durable medical equipment (e.g., wheelchairs, oxygen devices, spectacles); Traditional Chinese medicine and other alternative treatments (e.g., herbal, acupuncture, massage). p.25 |
At a constant age of 45, HSBC Life has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$13,074 to HK$13,074.
| Year | Change |
|---|---|
| 2025 | no change |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
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.