Chow Tai Fook "ChampCare" Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00077-03-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$15,530 |
| 45 | HK$22,800 |
| 60 | HK$39,642 |
| 75 | HK$102,400 |
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 the first Policy Year, full coverage from 31st day of the first Policy Year onwards p.23 |
| Waiting period | none |
| Cancellation and refund | Full refund of paid premium if cancelled within 21-day cooling-off period, provided no benefit payment has been made or is impending. p.5 |
| Switching from another plan | Switching to another insurance plan with upgraded or additional benefits is possible, subject to re-underwriting limited to such upgrades/additions. p.15 |
| Room class | Standard Semi-private Room in Hong Kong, Macau, Australia and New Zealand; Standard Private Room in countries outside Hong Kong, Macau, Australia and New Zealand p.51 |
| If a higher room is used | If voluntarily confined in a higher ward class, benefits under specified sections are paid with a ward class adjustment factor of 25% or 50% depending on the entitled and actual room class. p.41 |
| Geographical cover | Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Mainland China, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam) p.51 |
| Psychiatric treatment area | Hong Kong only for Confinement p.22 |
| Emergency treatment abroad | Worldwide p.51 |
| Full cover on core benefits | yes p.54 |
| Annual limit | 25000000 p.51 |
| Lifetime limit | 100000000 p.51 |
| Deductible options | 0, 18000, 36000 p.60 |
| How the deductible applies | Per Policy Year, with a one-off right to reduce at age 50, 55, 60, 65, 70, 75 or 80 if covered continuously for 3 years p.28 |
| Coinsurance | none p.51 |
| Pre-admission outpatient | Fully covered for 1 prior outpatient visit or emergency consultation per confinement/day case procedure (more than 30 days before admission) and all prior outpatient visits or emergency consultations (within 30 days before admission) p.52 |
| Post-discharge outpatient | Fully covered for all follow-up outpatient visits within 120 days after discharge or day case procedure, or within 180 days after discharge for major/complex surgery p.52 |
| General outpatient | none |
| Psychiatric treatment | 30000 per Policy Year p.52 |
| Diagnostic imaging coinsurance | none p.52 |
| Non-surgical cancer treatment | full cover p.52 |
| Kidney dialysis | Fully covered for outpatient kidney dialysis p.53 |
| Day case procedures | Covered as in-patient, fully covered p.51 |
| Home nursing | Fully covered, maximum 120 days per Policy Year, 1 visit per day, within 120 days after discharge from Hospital p.53 |
| Hospice care | none p.28 |
| Chinese medicine | Inpatient: $800 per day for Chinese Medical Practitioner's visit, acupuncture, and prescribed Chinese medicines (excluding specified types). Outpatient: $600 per visit, max 1 visit per day, up to 15 follow-up visits within 120 days post-confinement/day case procedure. p.53 |
| Physiotherapy | $6,000 per Policy Year, max 1 visit per day, within 120 days post-confinement/day case procedure, payable after basic benefit visits are exhausted p.53 |
| Congenital conditions | Covered if manifested or diagnosed at or after age 8 p.26 |
| Pregnancy complications | Covered for specified complications (e.g., ectopic pregnancy, pre-eclampsia) subject to basic and enhanced benefit limits, if diagnosed after 12 months from Policy Effective Date p.53 |
| Emergency dental | Fully covered for emergency treatment (consultation, staunch bleeding, tooth extraction, root canals, x-ray) to natural teeth due to injury from accident, within 30 days of accident. Excludes restorative work, prostheses, precious metals, orthodontics. p.53 |
| Hospital cash | none |
| Companion bed | Fully covered for one extra bed for one person to accompany the Insured Person during confinement p.52 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | Yes, a no claim discount and extra no claim discount are offered, with rates depending on claim history and number of in-force policies. p.39 |
| Exclusions beyond the VHIS standard list | Dependence, overdose or influence of drugs, alcohol, narcotics; venereal and sexually transmitted disease; Prophylactic treatment/preventive care including Hair Mineral Analysis (HMA), health supplements; Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other forms of alternative treatment 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$22,800 to HK$22,800.
| 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.