HSBC Life Vital Care Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00076-10-000-02. It entitles the insured to a private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$10,423 |
| 45 | HK$17,222 |
| 60 | HK$34,718 |
| 75 | HK$77,482 |
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 | Private |
|---|---|
| Geographical cover | asia |
| Annual limit | HK$30,000,000 |
| 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 health check, 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 if no benefit payment has been made. No refund after cooling-off period if cancelled by policyholder. p.4 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits requires re-underwriting for the upgraded/additional benefits. Switching to a plan with downgraded/reduced benefits does not require re-underwriting but is subject to company discretion. p.16 |
| Room class | Standard Private Room p.1 |
| If a higher room is used | 50% adjustment factor applied to Variable Benefits if a higher ward class than entitled is 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 benefit limits, subject to deductible p.1 |
| Full cover on core benefits | yes p.1 |
| Annual limit | 30000000 p.1 |
| Lifetime limit | none p.1 |
| Deductible options | 16000 (can be increased, decreased, or removed at renewal) p.1 |
| How the deductible applies | Per policy year; can be removed or decreased at age 55 and every 5 years thereafter without re-underwriting p.30 |
| Coinsurance | none (except for higher room class and donor's benefit) 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 within 180 days after discharge for major/complex surgery. Max 3 visits for physiotherapy, chiropractic, occupational, and speech therapy within 90 days. 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 p.2 |
| Day case procedures | Covered as in-patient or day patient procedure, full cover for eligible expenses p.20 |
| 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.8 |
| Chinese medicine | none p.8 |
| Physiotherapy | Max 3 visits for physiotherapy, chiropractic, occupational, and speech therapy within 90 days post-discharge under item (k). Additional $10,000 per Policy Year for post-confinement/day case outpatient physiotherapy (max 1 visit per day, within 90 days post-discharge, if item (k) is exhausted). p.2 |
| Congenital conditions | Covered if manifested or diagnosed after 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 | HKD2,000 per day (max 10 days per Confinement) for confinement in a private hospital in Hong Kong in a ward class below Standard Private Room p.9 |
| Companion bed | Full cover for the cost of an extra bed for a companion during confinement, does not cover 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 | Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances for home use; traditional Chinese medicine treatment and other alternative treatments; venereal and sexually transmitted disease or its sequelae. 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$17,222 to HK$17,222.
| 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.