HSBC Life Vital Care Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00076-05-000-02. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$12,362 |
| 45 | HK$17,983 |
| 60 | HK$36,630 |
| 75 | HK$86,276 |
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 | Semi-private |
|---|---|
| Geographical cover | asia |
| Annual limit | HK$25,000,000 |
| Lifetime limit | None |
| 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, hospital cash, 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 if cancelled within 21-day cooling-off period, provided no benefit payment has been made or is impending. p.4 |
| Switching from another plan | Switching to another plan with upgraded/added 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 | Semi-private Room p.1 |
| If a higher room is used | If a higher room class is used, an adjustment factor of 50% or 0% is applied to Variable Benefits, depending on the room class used. p.2 |
| Geographical cover | Asia (Afghanistan, Bangladesh, Bhutan, Brunei, Cambodia, Greater China, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Malaysia, Maldives, Mongolia, Myanmar, Nepal, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam), Australia and New Zealand p.1 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered up to Standard Plan Terms and Benefits limits for expenses under Sections 3(a) to (k) of Part 6, subject to deductible. p.1 |
| Full cover on core benefits | yes p.1 |
| Annual limit | HKD25,000,000 p.1 |
| Lifetime limit | none p.1 |
| Deductible options | none p.1 |
| How the deductible applies | Per Policy Year. Policyholder has the right to remove or decrease deductible 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 or emergency consultation more than 30 days before admission/Day Case Procedure, and all prior outpatient visits or emergency consultations within 30 days before admission/Day Case Procedure. p.1 |
| 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 if major/complex surgery was performed. p.1 |
| General outpatient | none |
| Psychiatric treatment | HKD30,000 per Policy Year p.1 |
| 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 under various benefit items, subject to annual limit. p.29 |
| Home nursing | Full cover for home nursing services by 1 Qualified Nurse per day for a maximum of 90 days per Policy Year, within 90 days after discharge or Day Case Procedure. p.2 |
| Hospice care | none p.7 |
| Chinese medicine | none p.27 |
| Physiotherapy | 3 visits under pre/post-confinement outpatient care; additional HKD6,000 per Policy Year for post-confinement outpatient physiotherapy (max 1 visit/day, within 90 days after discharge/Day Case Procedure, if item (k) is exhausted). p.1 |
| Congenital conditions | Covered from age 8 p.27 |
| Pregnancy complications | none 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 | HKD1,000 per day (maximum 10 days per Confinement) for using a ward class below Semi-Private Room in a private Hospital in Hong Kong. p.2 |
| Companion bed | Full cover p.2 |
| 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 | Purchase of durable medical equipment or appliances, unless rental during Confinement or Day Case Procedure; Prophylactic treatment or preventive care, including general check-ups, routine tests, screening for asymptomatic conditions, HMA, immunisation or health supplements; Expenses reimbursed under any law, or medical program or insurance policy provided by any government, company or other third party. 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$17,983 to HK$17,983.
| 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.