HSBC Life Vital Care Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00076-15-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$16,187 |
| 45 | HK$28,773 |
| 60 | HK$51,453 |
| 75 | HK$111,002 |
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 within 21-day cooling-off period if no benefit paid; no refund after cooling-off period if policyholder cancels and no benefit paid; pro-rata refund if terminated due to death or company ceasing authorization p.4 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits requires re-underwriting for the new benefits; switching to a plan with downgraded/reduced benefits does not require re-underwriting but is subject to company discretion p.15 |
| Room class | Standard Private Room p.55 |
| If a higher room is used | Adjustment factor (50% or 0%) applied to Variable Benefits if a higher ward class is used p.39 |
| Geographical cover | Worldwide p.55 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered up to Standard Plan limits if outside the geographical limitation p.38 |
| Full cover on core benefits | yes p.55 |
| Annual limit | HKD40,000,000 p.55 |
| Lifetime limit | none p.55 |
| Deductible options | 50000 p.55 |
| How the deductible applies | Per Policy Year; reduction option available at age 55 and 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.55 |
| 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.55 |
| General outpatient | none |
| Psychiatric treatment | HKD50,000 per Policy Year p.56 |
| Diagnostic imaging coinsurance | none p.55 |
| Non-surgical cancer treatment | full cover p.55 |
| Kidney dialysis | Full cover p.56 |
| Day case procedures | Covered as in-patient for various benefits p.21 |
| Home nursing | Full cover, within 90 days after discharge/Day Case Procedure, 1 Qualified Nurse per day for a maximum of 90 days per Policy Year p.56 |
| Hospice care | HKD80,000 per Policy Year, up to 30 days per Policy Year p.56 |
| Chinese medicine | HKD600 per visit, max 1 visit per day, max 10 visits per Confinement/Day Case Procedure within 90 days after discharge/Day Case Procedure p.56 |
| Physiotherapy | Max 3 visits in total for physiotherapy, chiropractic, occupational, speech therapy within 90 days post-discharge/Day Case Procedure; additional HKD30,000 per Policy Year for physiotherapy (max 1 visit per day) if item (k) is exhausted p.56 |
| 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 | HKD2,000 per day, max 10 days per Confinement, for using a lower ward class in a private Hospital in Hong Kong p.56 |
| Companion bed | Full cover for cost of an extra bed for a companion during Insured Person's Confinement, does not cover guest meals p.42 |
| 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.50 |
| Exclusions beyond the VHIS standard list | Dependence/overdose of drugs/alcohol/narcotics; venereal/sexually transmitted disease; Hair Mineral Analysis (HMA); purchase of durable medical equipment; traditional Chinese medicine/alternative treatments; expenses reimbursed by other parties. 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$28,773 to HK$28,773.
| 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.