Chow Tai Fook "ChampCare" Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00077-05-000-01. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$26,418 |
| 45 | HK$36,124 |
| 60 | HK$66,574 |
| 75 | HK$189,317 |
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 | 0% for first 30 days of Policy Year 1, 100% from day 31 of Policy Year 1 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 paid in policy year. Pro-rata refund for current policy year if terminated due to death or company ceasing authorisation. 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, but discretion to accept/reject) p.15 |
| Room class | Standard Private Room p.51 |
| If a higher room is used | 25% of eligible expenses if a higher room class than Standard Private Room is used p.41 |
| Geographical cover | Worldwide (excluding USA) for non-emergency treatment, worldwide for emergency treatment p.51 |
| Psychiatric treatment area | Hong Kong only p.53 |
| Emergency treatment abroad | Covered, in accordance with the Terms and Benefits p.41 |
| Full cover on core benefits | yes p.51 |
| Annual limit | 30000000 p.51 |
| Lifetime limit | 120000000 p.51 |
| Deductible options | 0, 18000, 36000 p.51 |
| How the deductible applies | Per Policy Year, with a one-off reduction option at ages 50, 55, 60, 65, 70, 75, or 80 p.48 |
| Coinsurance | none p.51 |
| Pre-admission outpatient | 1 visit more than 30 days before admission, all visits within 30 days before admission p.52 |
| Post-discharge outpatient | All visits within 120 days after discharge, 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 | full cover p.52 |
| Day case procedures | Covered as in-patient equivalent, fully covered p.28 |
| Home nursing | Fully covered, maximum 120 days per policy year, 1 visit per day by Licensed or Graduate Nurse within 120 days after discharge p.52 |
| Hospice care | none p.29 |
| Chinese medicine | Inpatient: $1,000 per day; Outpatient: $1,300 per visit, max 1 visit per day, up to 15 follow-up visits within 120 days post-discharge p.53 |
| Physiotherapy | Inpatient: covered under miscellaneous charges; Outpatient: 3 visits under basic benefits, then up to $12,000 per policy year under enhanced benefits p.52 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.26 |
| Pregnancy complications | Covered for specified complications if diagnosed after 12 months from Policy Effective Date, subject to basic and enhanced benefit limits p.45 |
| Emergency dental | Fully covered for emergency treatment due to injury within 30 days of accident p.46 |
| Hospital cash | none |
| Companion bed | Fully covered for one extra bed p.52 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | 16% for first policy year. From renewal, 16% if no claim, 8% if claim, 0% if 8% applied previously. Can return to 16% after 3 claim-free years. Extra discount up to 4% available. p.39 |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); Purchase of durable medical equipment or appliances; Specific Chinese medicines (agaricus blazei murill, antelope horn powder, antler, cordyceps, cubilose, donkey-hide gelatin, ganoderma, ginseng, hippocampus, moschus, pearl powder, placenta hominis) 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$36,124 to HK$36,124.
| 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.