HSBC Life Vital Care Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00076-07-000-02. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$3,961 |
| 45 | HK$5,846 |
| 60 | HK$13,404 |
| 75 | HK$28,311 |
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 by returning original documents and written request, provided no benefit payment has been made. p.4 |
| Switching from another plan | Switching to upgraded benefits requires re-underwriting. Switching to downgraded 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 confined to Standard Private Room, 50% adjustment factor applies. If confined to any ward class above Standard Private Room, 0% adjustment factor applies. p.1 |
| Geographical cover | Asia, 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 p.1 |
| Full cover on core benefits | yes p.1 |
| Annual limit | 25000000 p.1 |
| Lifetime limit | none p.1 |
| Deductible options | 50000 p.1 |
| How the deductible applies | Per policy year. Can be removed or decreased without re-underwriting once per lifetime at age 55 or 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) p.1 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge, or 180 days if 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 for regular haemodialysis or peritoneal dialysis for chronic and irreversible kidney failure p.2 |
| Day case procedures | Covered as in-patient for various benefits, including room and board, miscellaneous charges, surgeon's fee, operating theatre charges, prescribed diagnostic imaging tests, prescribed non-surgical cancer treatments, pre- and post-outpatient care. p.19 |
| Home nursing | Full cover, maximum 90 days per Policy Year, within 90 days after discharge/Day Case Procedure, provided by 1 Qualified Nurse per day. p.2 |
| Hospice care | none p.6 |
| Chinese medicine | none p.27 |
| Physiotherapy | Covered during confinement. Post-discharge: max 3 visits for physiotherapy/chiropractic/occupational/speech therapy within 90 days. Additional HKD6,000/year for post-confinement outpatient physiotherapy (max 1 visit/day, within 90 days). p.2 |
| 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 | HKD1,000 per day, maximum 10 days per Confinement, for confinement in a private hospital in Hong Kong in a ward class below Semi-Private Room. p.2 |
| Companion bed | Full cover for the cost of an extra bed for a companion during 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 | standard VHIS exclusions only p.26 |
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$5,846 to HK$5,846.
| 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.