Chow Tai Fook "ChampCare" Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00077-02-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$5,998 |
| 45 | HK$9,185 |
| 60 | HK$16,252 |
| 75 | HK$44,432 |
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 | 0% for first 30 days of Policy Year 1, 100% from day 31 of Policy Year 1 p.23 |
| Waiting period | 12 months for Covered Pregnancy Complications; 1 year for Covered SEN Conditions; 1 year for Covered Mental Conditions p.45 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period (no benefit payment). After cooling-off, 30 days written notice, no refund if benefit paid in policy year. Pro-rata refund for termination due to death or company ceasing authorization. p.5 |
| Switching from another plan | Switching to another plan (upgrade/downgrade) is possible, with re-underwriting for upgrades, and company discretion for downgrades. 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 | If voluntarily using a higher room class, benefits for certain items are reduced by a ward class adjustment factor (25% or 50%) p.41 |
| Geographical cover | Asia for non-emergency treatment (list of countries provided); worldwide for emergency treatment p.35 |
| Psychiatric treatment area | Hong Kong only for Confinement p.54 |
| Emergency treatment abroad | Covered worldwide p.41 |
| Full cover on core benefits | yes p.52 |
| Annual limit | 25,000,000 p.51 |
| Lifetime limit | 100,000,000 p.51 |
| Deductible options | 0, 18000, 36000 p.56 |
| How the deductible applies | Per Policy Year, with waiver for Major Cancer, Severe Heart Attack or Stroke, and option for reduction at specific ages (50, 55, 60, 65, 70, 75, 80) p.51 |
| Coinsurance | 20% of eligible expenses after deductible, up to HK$18,000 per Policy Year p.51 |
| Pre-admission outpatient | 1 visit more than 30 days before, all visits within 30 days before Confinement/Day Case Procedure p.52 |
| Post-discharge outpatient | All follow-up visits within 120 days after discharge/Day Case Procedure; all follow-up visits within 180 days after discharge for major/complex surgery p.52 |
| General outpatient | none |
| Psychiatric treatment | 30,000 per Policy Year p.53 |
| Diagnostic imaging coinsurance | 20% of eligible expenses after deductible, up to HK$18,000 per Policy Year p.51 |
| Non-surgical cancer treatment | full cover p.52 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis due to Kidney Failure p.53 |
| Day case procedures | Covered as in-patient for various benefits, no specific limit stated beyond overall plan limits p.20 |
| Home nursing | Fully covered, maximum 120 days per Policy Year by 1 Licensed or Graduate Nurse per day p.53 |
| Hospice care | none p.28 |
| Chinese medicine | HK$800 per day for inpatient services; HK$600 per visit for up to 15 post-confinement/day case outpatient visits within 120 days. Specific Chinese medicines excluded. p.53 |
| Physiotherapy | 3 visits for post-confinement/day case physiotherapy, chiropractic, occupational, speech therapy within 120 days; additional HK$6,000 per Policy Year for further visits after basic benefit exhausted p.52 |
| Congenital conditions | Covered from age 8 if not otherwise excluded p.26 |
| Pregnancy complications | Covered for specific complications after 12-month waiting period, subject to limits of basic and enhanced benefits p.45 |
| Emergency dental | Fully covered for emergency treatment to natural teeth due to accident within 30 days, includes consultation, staunch bleeding, extraction, root canals, x-ray p.46 |
| Companion bed | Fully covered for one extra bed for one person to accompany the Insured Person during Confinement p.44 |
| No-claim discount | 16% discount for first policy year. Renewal discount depends on claims history: 16% (no claims), 8% (claims), 0% (claims in previous year or 3 consecutive years). Extra discount for multiple policies. p.39 |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances p.25 |
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$9,185 to HK$9,185.
| 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.