Chow Tai Fook "ChampCare" Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00077-01-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$5,382 |
| 45 | HK$8,086 |
| 60 | HK$14,512 |
| 75 | HK$39,360 |
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 | Semi-private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$25,000,000 |
| Lifetime limit | HK$100,000,000 |
| 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 | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | Paid in full |
| Non-surgical cancer treatment | Paid in full |
| Outpatient before and after | HK$30,000 |
| Psychiatric treatment | Paid in full |
Also includes outpatient general, dental, maternity, chinese medicine, a companion bed, 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 | 128 p.13 |
|---|---|
| Pre-existing conditions unknown at application | No coverage for first 30 days of first policy year, full coverage from 31st day of first policy year onwards p.23 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period. After cooling-off, 30 days written notice required, no refund if benefits paid in policy year. p.5 |
| Switching from another plan | Allowed to switch to plans with upgraded/added benefits (re-underwriting limited to new benefits) or downgraded/reduced benefits (no re-underwriting, discretion to accept/reject). p.15 |
| Room class | Standard Semi-private Room in HK, Macau, Australia, NZ; Standard Private Room elsewhere p.51 |
| If a higher room is used | Ward class adjustment factor applied: 25% or 50% depending on entitled and actual room class p.41 |
| Geographical cover | Asia for non-emergency treatment, worldwide for emergency treatment p.40 |
| Psychiatric treatment area | Hong Kong only p.22 |
| Emergency treatment abroad | Covered in accordance with Terms and Benefits p.41 |
| Full cover on core benefits | yes p.52 |
| Annual limit | 25000000 p.51 |
| Lifetime limit | 100000000 p.51 |
| Deductible options | 0, 18000, 36000 p.59 |
| How the deductible applies | Per policy year, reduced to zero for Major Cancer, Severe Heart Attack or Stroke, or can be reduced at specific ages (50, 55, 60, 65, 70, 75, 80) p.48 |
| Coinsurance | 20% of eligible expenses after deductible, subject to $36,000 per policy year p.51 |
| Pre-admission outpatient | Fully covered for 1 prior outpatient visit (more than 30 days before) or all prior outpatient visits (within 30 days before) per confinement/day case procedure p.52 |
| Post-discharge outpatient | Fully covered for all follow-up outpatient visits within 120 days after discharge/day case, or 180 days after discharge for major/complex surgery p.52 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.52 |
| Diagnostic imaging coinsurance | none p.52 |
| Non-surgical cancer treatment | full cover p.52 |
| Kidney dialysis | Fully covered p.45 |
| Day case procedures | Covered as in-patient p.20 |
| Home nursing | Fully covered, max 120 days per policy year, 1 visit per day within 120 days after discharge p.44 |
| Hospice care | none p.28 |
| Chinese medicine | Inpatient: $800 per day for visit, acupuncture, medicines. Outpatient: $600 per visit, max 1 visit/day, up to 15 visits within 120 days post-discharge. Total $30,000 per policy year. p.44 |
| Physiotherapy | Inpatient: covered. Outpatient: max 3 visits in total (physio, chiro, occu, speech) within 120 days post-discharge under basic benefits. Additional $6,000 per policy year for ancillary benefit if basic visits exhausted. p.52 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.25 |
| Pregnancy complications | Covered for specified complications if diagnosed after 12 months from policy effective date, subject to limits of basic and enhanced benefits. p.45 |
| Emergency dental | Fully covered for emergency treatment due to accident p.46 |
| Companion bed | Fully covered p.44 |
| No-claim discount | 16% for first policy year. Renewal discount depends on claims history (16%, 8%, or 0%). Extra discount (0-4%) available for policies in force 3+ years with 16% NCD. p.39 |
| 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); Sexual dysfunction or sex reassignment p.24 |
At a constant age of 45, Chow Tai Fook has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$8,086 to HK$8,086.
| 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.