HSBC Life Vital Care Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00076-03-000-02. It entitles the insured to a ward room and covers treatment greater_china.
| Age | Annual premium |
|---|---|
| 30 | HK$2,864 |
| 45 | HK$4,656 |
| 60 | HK$10,667 |
| 75 | HK$22,637 |
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.14 |
|---|---|
| Pre-existing conditions unknown at application | 100% from year 1 p.24 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period. After cooling-off, cancellation requires 30 days' written notice, no refund if benefits paid in policy year. p.4 |
| Switching from another plan | Allowed to switch to another plan with upgraded/added benefits (re-underwriting limited to new benefits) or downgraded/reduced benefits (no re-underwriting). p.16 |
| Room class | General Ward p.55 |
| If a higher room is used | If a higher ward class is used, an adjustment factor is applied to Variable Benefits: Semi-private Room (50%), Standard Private Room (25%), Any ward class above Standard Private Room (0%). p.40 |
| Geographical cover | Greater China (mainland China, Hong Kong, Macao and Taiwan) p.39 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered up to Standard Plan Terms and Benefits limits if incurred outside geographical limitation p.39 |
| Full cover on core benefits | yes p.55 |
| Annual limit | 5000000 p.55 |
| Lifetime limit | 20000000 p.55 |
| Deductible options | 50000 p.55 |
| How the deductible applies | Per Policy Year; can be removed or decreased without re-underwriting at age 55 and every 5 years thereafter. p.30 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit (more than 30 days before admission) and all prior outpatient visits (within 30 days before admission) per Confinement/Day Case Procedure. p.55 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge/Day Case Procedure, or within 180 days after discharge for major/complex surgery. p.55 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.56 |
| Diagnostic imaging coinsurance | none p.55 |
| Non-surgical cancer treatment | full cover p.55 |
| Kidney dialysis | Full cover p.56 |
| Day case procedures | Covered as in-patient for various benefits, including room, miscellaneous charges, surgeon's fee, imaging, cancer treatment, and pre/post-outpatient care. p.29 |
| Home nursing | Full cover for 1 Qualified Nurse per day for a maximum of 90 days per Policy Year, within 90 days after discharge or Day Case Procedure. p.56 |
| Hospice care | none p.45 |
| Chinese medicine | none p.26 |
| Physiotherapy | Maximum 3 visits in total for follow-up outpatient physiotherapy within 90 days after discharge/Day Case Procedure, plus an additional $3,000 per Policy Year (max 1 visit/day) if the initial limit is exhausted. p.55 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.27 |
| Pregnancy complications | none p.26 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident. p.26 |
| Hospital cash | none p.46 |
| Companion bed | Full cover for the cost of an extra bed for one companion during Confinement, does not cover guest meals. p.42 |
| 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.49 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances. 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$4,656 to HK$4,656.
| 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.