HSBC Life Vital Care Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00076-19-000-01. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$8,769 |
| 45 | HK$13,697 |
| 60 | HK$27,522 |
| 75 | HK$60,011 |
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_ex_us |
| Annual limit | HK$35,000,000 |
| 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 benefits paid. After cooling-off, cancellation with 30 days' notice if no benefits paid in current policy year. Pro-rata refund if terminated due to Insured Person's death or Company's loss of authorization. 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 | Standard Private Room p.1 |
| If a higher room is used | An adjustment factor (e.g., 50%, 25%, or 0%) is applied to Variable Benefits, reducing the payable amount if a higher ward class is used. p.2 |
| Geographical cover | Worldwide excluding the United States 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 | 35000000 p.1 |
| Lifetime limit | none p.1 |
| Deductible options | 50000 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 without re-underwriting. p.30 |
| Coinsurance | none p.29 |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit or emergency consultation more than 30 days before admission, and all prior visits within 30 days before admission. p.1 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days (or 180 days for major/complex surgery); max 3 visits for physiotherapy, chiropractic, occupational, speech therapy within 90 days. p.1 |
| General outpatient | none |
| Psychiatric treatment | HKD30,000 per Policy Year p.1 |
| 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.1 |
| Day case procedures | Covered as inpatient, full cover for various items. p.19 |
| Home nursing | Full cover for services by 1 Qualified Nurse per day, up to 90 days per Policy Year, within 90 days after discharge or Day Case Procedure. p.1 |
| Hospice care | none p.6 |
| Chinese medicine | none p.26 |
| Physiotherapy | Covered during confinement; max 3 follow-up outpatient visits within 90 days; additional HKD10,000 per policy year for post-confinement outpatient physiotherapy (max 1 visit/day, within 90 days). p.1 |
| 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 ward class below Standard Private Room in a private Hong Kong hospital. p.1 |
| Companion bed | Full cover for the cost of an extra bed in the same Hospital for one companion during confinement. p.1 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | none p.1 |
| No-claim discount | Yes, 5% for 3 claim-free years, 10% for 4, 15% for 5 or more. Deducted from annual premium. p.7 |
| Exclusions beyond the VHIS standard list | Not Medically Necessary; Dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents, venereal and sexually transmitted disease; 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$13,697 to HK$13,697.
| Year | 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.