HSBC Life Vital Care Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00076-06-000-02. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$6,568 |
| 45 | HK$9,635 |
| 60 | HK$20,746 |
| 75 | HK$45,814 |
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 within 21-day cooling-off period. After cooling-off, cancellation with 30 days' notice if no benefits paid in policy year. Pro-rata refund upon death of Insured or Company ceasing authorization. p.4 |
| Switching from another plan | Switching to another plan with upgraded benefits requires re-underwriting for the upgraded benefits. Switching to a plan with downgraded benefits is at the Company's discretion without re-underwriting. p.15 |
| Room class | Semi-private Room p.1 |
| If a higher room is used | An adjustment factor (50% or 0%) is applied to Variable Benefits if a higher ward class is used, unless due to unavailability, isolation, or non-personal preference reasons. p.3 |
| Geographical cover | Asia (including Greater China), Australia and New Zealand p.1 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered up to Standard Plan limits p.1 |
| Full cover on core benefits | yes p.1 |
| Annual limit | 25,000,000 p.1 |
| Lifetime limit | none p.1 |
| Deductible options | 16000 p.1 |
| How the deductible applies | Per policy year; can be removed or decreased without re-underwriting at age 55 or every 5 years thereafter, once per lifetime. p.8 |
| Coinsurance | none p.29 |
| 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 180 days if major/complex surgery. Max 3 visits for physiotherapy, chiropractic, occupational, speech therapy within 90 days. p.1 |
| General outpatient | none |
| Psychiatric treatment | 30,000 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, full cover for relevant benefits. p.19 |
| Home nursing | Full cover for services by 1 Qualified Nurse per day, max 90 days per policy year, within 90 days after discharge/Day Case Procedure. p.2 |
| Hospice care | none p.6 |
| Chinese medicine | none p.26 |
| Physiotherapy | Max 3 visits under post-discharge outpatient care; additional $6,000 per policy year (max 1 visit/day) if post-discharge outpatient care limit is exhausted. p.2 |
| 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 | HKD1,000 per day, max 10 days per confinement, for confinement in a ward class below Semi-Private Room in a private hospital in Hong Kong. p.2 |
| Companion bed | Full cover for the cost of an extra bed for a companion in the same hospital during confinement, does not cover guest meals. 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.9 |
| Exclusions beyond the VHIS standard list | Traditional Chinese medicine treatment (herbal, bone-setting, acupuncture, acupressure, tui na) and other alternative treatments (hypnotism, qigong, massage, aromatherapy, naturopathy, hydropathy, homeotherapy). 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$9,635 to HK$9,635.
| 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.