HSBC Life Vital Care Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00076-11-000-02. It entitles the insured to a private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$7,760 |
| 45 | HK$12,120 |
| 60 | HK$24,355 |
| 75 | HK$53,106 |
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. After cooling-off, cancellation with 30 days' notice is possible if no benefits paid in current policy year. Pro-rata refund for current policy year if terminated due to death of Insured Person or Company ceasing authorization. p.4 |
| Switching from another plan | Switching to a plan with upgraded/additional 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.16 |
| Room class | Standard Private Room p.1 |
| If a higher room is used | 50% adjustment factor for Variable Benefits if confined in a ward class above Standard Private Room p.2 |
| Geographical cover | Asia, Australia and New Zealand (Asia includes 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; Greater China includes mainland China, Hong Kong, Macao and Taiwan) p.1 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered up to Standard Plan Terms and Benefits limits, reduced by any remaining deductible p.1 |
| Full cover on core benefits | partial p.1 |
| Annual limit | 30000000 p.1 |
| Lifetime limit | none p.1 |
| Deductible options | 50000 p.1 |
| How the deductible applies | Per policy year; right to remove or decrease deductible without re-underwriting once at age 55 or every 5 years thereafter p.7 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit or emergency consultation per confinement/day case procedure (more than 30 days before admission) and all prior outpatient visits or emergency consultations within 30 days before admission p.1 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge/day case procedure, or 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 | Check-up benefit: HKD1,000 per policy year (from second policy year), for one medical check-up service p.2 |
| Psychiatric treatment | 30000 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 in a Kidney Dialysis Centre p.2 |
| Day case procedures | Covered as in-patient for various benefits, including room and board, miscellaneous charges, surgery, imaging, and cancer treatment 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.6 |
| Chinese medicine | none p.6 |
| Physiotherapy | HKD10,000 per policy year for post-confinement/day case outpatient physiotherapy (max 1 visit/day, within 90 days after discharge/procedure), after benefit item (k) is exhausted. Also, max 3 visits for physiotherapy, chiropractic, occupational, and speech therapy within 90 days post-discharge/procedure under item (k). p.2 |
| 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 not covered. p.26 |
| Hospital cash | HKD2,000 per day (maximum 10 days per confinement) for confinement in a ward class below Standard Private Room in a private Hospital in Hong Kong p.2 |
| Companion bed | Full cover for the cost of an extra bed for one 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.1 |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances (rental during confinement is covered); 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$12,120 to HK$12,120.
| 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.