HSBC Life Vital Care Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00076-08-000-02. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$3,476 |
| 45 | HK$5,427 |
| 60 | HK$11,935 |
| 75 | HK$26,896 |
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 | Paid in full |
| Psychiatric treatment | HK$30,000 |
Also includes outpatient general, 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 p.4 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits requires re-underwriting for 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.49 |
| If a higher room is used | Benefits reduced by 50% for Standard Private Room, 100% for ward class above Standard Private Room p.40 |
| Geographical cover | Asia, Australia and New Zealand p.39 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered up to Standard Plan Terms and Benefits limits, subject to deductible p.39 |
| Full cover on core benefits | partial p.49 |
| Annual limit | 25000000 p.49 |
| Lifetime limit | none p.49 |
| Deductible options | 100000 p.49 |
| How the deductible applies | Per policy year; can be removed or decreased once per lifetime at age 55 or every 5 years thereafter without re-underwriting p.48 |
| Coinsurance | none p.29 |
| Pre-admission outpatient | 1 visit more than 30 days before admission/Day Case Procedure; all visits within 30 days before admission/Day Case Procedure p.49 |
| Post-discharge outpatient | All visits within 90 days after discharge/Day Case Procedure; all visits within 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.50 |
| Diagnostic imaging coinsurance | none p.49 |
| Non-surgical cancer treatment | full cover p.49 |
| Kidney dialysis | Full cover p.50 |
| Day case procedures | Covered as in-patient, subject to annual limit p.20 |
| Home nursing | HKD6,000 per Policy Year, within 90 days after discharge/Day Case Procedure, max 1 Qualified Nurse per day for 90 days per Policy Year p.50 |
| Hospice care | none p.46 |
| Chinese medicine | none p.26 |
| Physiotherapy | HKD6,000 per Policy Year for post-confinement/day case outpatient physiotherapy (max 1 visit per day, within 90 days), after item (k) exhausted. Max 3 visits for physiotherapy/chiropractic/occupational/speech therapy within 90 days post-discharge. p.50 |
| 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 p.26 |
| Hospital cash | HKD1,000 per day (max 10 days per Confinement) for using a lower ward class in a private hospital in Hong Kong p.50 |
| Companion bed | Full cover for cost of extra bed for companion, no guest meals p.43 |
| No-claim discount | Yes, 5% for 3 claim-free years, 10% for 4, 15% for 5+; deducted from annual premium p.53 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine treatment and other alternative treatments. 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$5,427 to HK$5,427.
| 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.