HSBC Life Vital Care Voluntary Health Insurance Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00076-20-000-01. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$6,790 |
| 45 | HK$9,933 |
| 60 | HK$20,182 |
| 75 | HK$42,960 |
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.14 |
|---|---|
| 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. No refund after cooling-off period if no benefit payment. Pro-rata refund if policy terminated due to death or company ceasing authorization. p.4 |
| Switching from another plan | Switching to plans with upgraded/additional benefits requires re-underwriting. Switching to plans with downgraded/reduced benefits is at company's discretion without re-underwriting. p.15 |
| Room class | Standard Private Room p.59 |
| If a higher room is used | An adjustment factor of 50% or 0% is applied to Variable Benefits if a higher ward class is used, depending on the class difference. p.39 |
| Geographical cover | Worldwide excluding the United States p.59 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered up to Standard Plan benefit limits outside geographical limitation p.38 |
| Full cover on core benefits | yes p.61 |
| Annual limit | HKD35,000,000 per Policy Year p.59 |
| Lifetime limit | Nil p.59 |
| Deductible options | HKD100,000 p.59 |
| How the deductible applies | Per Policy Year. Policy Holder can remove or decrease deductible without re-underwriting at age 55 or every 5 years thereafter, once per lifetime. p.30 |
| Coinsurance | none p.29 |
| Pre-admission outpatient | Full cover for 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure (more than 30 days before admission/Day Case Procedure); all prior outpatient visits or Emergency consultations (within 30 days before admission/Day Case Procedure). p.60 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge); all follow-up outpatient visits after major/complex surgery (within 180 days after discharge). Max 3 visits for physiotherapy, chiropractic, occupational, speech therapy (within 90 days). p.60 |
| General outpatient | Check-up benefit: HKD1,000 per Policy Year (starting from second Policy Year) p.61 |
| Psychiatric treatment | HKD30,000 per Policy Year p.61 |
| Diagnostic imaging coinsurance | none p.60 |
| Non-surgical cancer treatment | Full cover p.60 |
| Kidney dialysis | Full cover for outpatient kidney dialysis p.61 |
| Day case procedures | Full cover as in-patient p.21 |
| 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.61 |
| Hospice care | none p.45 |
| Chinese medicine | none p.45 |
| Physiotherapy | Post-Confinement/Day Case Procedure outpatient physiotherapy: HKD10,000 per Policy Year (within 90 days after discharge or Day Case Procedure, max 1 visit per day, payable if benefit item (k) is exhausted). Max 3 visits for physiotherapy, chiropractic, occupational, speech therapy (within 90 days) under pre/post-confinement care. p.61 |
| Congenital conditions | Covered if manifested or diagnosed at or 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 ward class below Standard Private Room in a private Hospital in Hong Kong p.61 |
| Companion bed | Full cover for the cost of an extra bed in the same Hospital room during Insured Person's Confinement p.42 |
| Second medical opinion | none |
| Direct billing and pre-authorisation | none |
| No-claim discount | 5% for 3 claim-free years, 10% for 4 claim-free years, 15% for 5+ claim-free years p.55 |
| Exclusions beyond the VHIS standard list | Dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents; Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA), immunisation or health supplements; Sex reassignment of either sex; sexual dysfunction; Purchase of durable medical equipment or appliances; Other forms of alternative treatment including but not limited to hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy and other similar treatments 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$9,933 to HK$9,933.
| 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.