HSBC Life Vital Care Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00076-04-000-02. It entitles the insured to a ward room and covers treatment greater_china.
| Age | Annual premium |
|---|---|
| 30 | HK$2,333 |
| 45 | HK$3,960 |
| 60 | HK$9,034 |
| 75 | HK$19,476 |
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 with 30 days notice if no benefit payment in current policy year. p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, but company discretion to accept/reject). p.15 |
| Room class | General Ward p.49 |
| If a higher room is used | Adjustment factor applied to Variable Benefits: 50% for Semi-private, 25% for Standard Private, 0% for above Standard Private. Non-Variable Benefits are not subject to adjustment. 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 p.39 |
| Full cover on core benefits | yes p.49 |
| Annual limit | HKD5,000,000 p.49 |
| Lifetime limit | HKD20,000,000 p.49 |
| Deductible options | 100000 p.49 |
| How the deductible applies | Per Policy Year, can be removed or decreased 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 (more than 30 days before admission/Day Case Procedure) and all prior outpatient visits (within 30 days before admission/Day Case Procedure) p.49 |
| 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. Max 3 visits for physiotherapy, chiropractic, occupational, speech therapy within 90 days. p.49 |
| General outpatient | none |
| Psychiatric treatment | HKD30,000 per Policy Year p.49 |
| Diagnostic imaging coinsurance | none p.49 |
| Non-surgical cancer treatment | full cover p.49 |
| Kidney dialysis | Full cover p.43 |
| Day case procedures | Covered as in-patient, full cover for many items p.19 |
| Home nursing | Full cover, within 90 days after discharge/Day Case Procedure, 1 Qualified Nurse per day for max 90 days per Policy Year p.44 |
| Hospice care | none p.45 |
| Chinese medicine | none p.27 |
| Physiotherapy | Max 3 visits for physiotherapy, chiropractic, occupational, speech therapy within 90 days post-discharge/Day Case Procedure under item (k). 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.49 |
| Congenital conditions | Covered from age 8 p.27 |
| Pregnancy complications | none p.27 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.27 |
| Hospital cash | none p.46 |
| Companion bed | Full cover p.43 |
| 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.48 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only 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$3,960 to HK$3,960.
| 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.