Chow Tai Fook "ChampCare" Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00077-04-000-01. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$10,600 |
| 45 | HK$16,202 |
| 60 | HK$30,671 |
| 75 | HK$74,696 |
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 |
| Annual limit | HK$30,000,000 |
| Lifetime limit | HK$120,000,000 |
| 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 | First 30 days of the first Policy Year no coverage; 31st day of the first Policy Year onwards full coverage p.23 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period if no claim. After cooling-off, cancellation with 30 days' notice if no benefit payment in policy year. p.5 |
| Switching from another plan | Switching to a plan with upgraded/added benefits may involve re-underwriting for those benefits. Switching to a plan with downgraded/reduced benefits does not involve re-underwriting but is subject to company discretion. p.15 |
| Room class | Standard Private Room p.51 |
| If a higher room is used | If a higher ward class is used, a ward class adjustment factor of 25% (for any room type above Standard Private Room) or 50% (for Standard Private Room if entitled to Standard Semi-private Room) will be applied to eligible expenses. p.41 |
| Geographical cover | Worldwide (excluding USA) p.51 |
| Psychiatric treatment area | Hong Kong only p.54 |
| Emergency treatment abroad | Covered worldwide p.51 |
| Full cover on core benefits | yes p.52 |
| Annual limit | 30000000 p.51 |
| Lifetime limit | 120000000 p.51 |
| Deductible options | 0, 18000, 36000 p.48 |
| How the deductible applies | Per Policy Year, with a one-off option to reduce at ages 50, 55, 60, 65, 70, 75 or 80. p.48 |
| 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 admission/Day Case Procedure; all visits within 30 days before admission/Day Case Procedure p.52 |
| Post-discharge outpatient | All visits within 120 days after discharge/Day Case Procedure; all visits within 180 days after discharge for major/complex surgery p.52 |
| General outpatient | none |
| Psychiatric treatment | HK$30,000 per Policy Year p.53 |
| Diagnostic imaging coinsurance | none p.52 |
| 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 p.19 |
| Home nursing | Full cover, maximum 120 days per policy year, 1 visit per day by Licensed or Graduate Nurse within 120 days after discharge p.53 |
| Hospice care | none p.29 |
| Chinese medicine | HK$1,000 per day for inpatient Chinese medical services; HK$1,300 per visit for up to 15 follow-up outpatient visits within 120 days after discharge/Day Case Procedure p.53 |
| Physiotherapy | Maximum 3 visits within 120 days after discharge/Day Case Procedure under basic benefits; HK$12,000 per Policy Year for additional visits under enhanced benefits p.52 |
| Congenital conditions | Covered if manifested or diagnosed at or after age 8 p.26 |
| Pregnancy complications | Covered for specific complications after 12 months from Policy Effective Date, subject to limits of basic and enhanced benefits p.45 |
| Emergency dental | Full cover for emergency treatment to natural teeth due to accident within 30 days of accident p.46 |
| Hospital cash | none |
| Companion bed | Full cover for one extra bed for one companion during confinement p.44 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | 16% for first policy year. Renewal discount varies (0%, 8%, 16%) based on claims history. Extra discount (0-4%) for multiple policies. p.39 |
| Exclusions beyond the VHIS standard list | Not Medically Necessary treatments; Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment (unless enhanced benefit applies); Expenses reimbursed by other parties. 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$16,202 to HK$16,202.
| 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.