HSBC Life Vital Care Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00076-14-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$23,696 |
| 45 | HK$40,508 |
| 60 | HK$74,399 |
| 75 | HK$164,988 |
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 | worldwide |
| Annual limit | HK$40,000,000 |
| 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$50,000 |
Also includes chinese medicine, 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 if cancelled within 21-day cooling-off period. After cooling-off, cancellation with 30 days notice is possible if no benefit payment made in policy year, but no refund mentioned. p.4 |
| Switching from another plan | Switching to a plan with upgraded/added benefits requires re-underwriting limited to the new 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% of Variable Benefits if a ward class above Standard Private Room is used p.40 |
| Geographical cover | Worldwide p.1 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered as part of Worldwide territory p.39 |
| Full cover on core benefits | yes p.1 |
| Annual limit | 40000000 p.1 |
| Lifetime limit | none p.1 |
| Deductible options | 16000 p.1 |
| How the deductible applies | Per policy year; can be removed or decreased once per lifetime at age 55 or every 5 years thereafter p.30 |
| Coinsurance | none p.29 |
| 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/Day Case Procedure, or within 180 days after discharge for major/complex surgery p.1 |
| General outpatient | none |
| Psychiatric treatment | 50000 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 p.30 |
| Home nursing | Full cover, up to 90 days per policy year, within 90 days after discharge/Day Case Procedure p.2 |
| Hospice care | HKD80,000 per policy year, up to 30 days per policy year p.2 |
| Chinese medicine | HKD600 per visit, maximum 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge/Day Case Procedure p.2 |
| Physiotherapy | 3 visits under item (k), then HKD30,000 per policy year (max 1 visit per day) under enhanced benefits (I), both within 90 days after discharge/Day Case Procedure p.2 |
| Congenital conditions | 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 | HKD2,000 per day, maximum 10 days per Confinement, for using a ward class below Standard Private Room in a private hospital in Hong Kong p.2 |
| Companion bed | Full cover p.2 |
| No-claim discount | Yes, 5% for 3 claim-free years, 10% for 4 claim-free years, 15% for 5 or more claim-free years p.47 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy; air purifiers or conditioners and heat appliances for home use 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$40,508 to HK$40,508.
| 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.