Chow Tai Fook "ChampCare" Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00077-06-000-01. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$31,669 |
| 45 | HK$46,275 |
| 60 | HK$78,417 |
| 75 | HK$208,010 |
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 | No coverage for first 30 days of first policy year, full coverage from 31st day of first policy year onwards p.23 |
| Waiting period | 1 year for Covered SEN Conditions and Covered Mental Conditions p.46 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit paid. After cooling-off, cancellation with 30 days notice if no benefit paid in policy year, no refund stated. p.5 |
| Switching from another plan | Possible to switch to another plan with upgrade or addition of benefits, subject to re-underwriting for the upgraded/additional benefits. p.15 |
| Room class | Standard Private Room p.51 |
| If a higher room is used | 25% of Eligible Expenses if occupying any room type above Standard Private Room p.42 |
| Geographical cover | Worldwide p.51 |
| Psychiatric treatment area | Hong Kong only p.40 |
| Emergency treatment abroad | Covered, subject to plan limits 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.54 |
| How the deductible applies | Per policy year, reduced to zero for Major Cancer, Severe Heart Attack or Stroke; one-off reduction option at ages 50, 55, 60, 65, 70, 75 or 80 p.48 |
| Coinsurance | 20% of eligible expenses after deductible, subject to HKD 18,000 per policy year 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 follow-up visits within 120 days after discharge (or 180 days 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 for haemodialysis or peritoneal dialysis due to Kidney Failure p.53 |
| Day case procedures | Covered as in-patient for eligible expenses p.19 |
| Home nursing | Full cover, maximum 120 days per policy year, 1 nurse per day within 120 days after discharge p.52 |
| Hospice care | none p.29 |
| Chinese medicine | Inpatient: HKD 1,000 per day; Post-confinement/Day Case: HKD 1,300 per visit, up to 15 visits within 120 days p.53 |
| Physiotherapy | 3 visits under basic benefit, then HKD 12,000 per policy year for 1 visit per day within 120 days after discharge p.52 |
| Congenital conditions | none p.26 |
| Pregnancy complications | Covered for specified complications after 12 months waiting period, subject to limits of basic and enhanced benefits p.45 |
| Emergency dental | Full cover for emergency treatment due to accident p.53 |
| Hospital cash | none |
| Companion bed | Full cover p.52 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | 16% for first policy year. Renewal discount depends on claims history: 16%, 8%, or 0%. Extra discount up to 4% for multiple policies. p.39 |
| Exclusions beyond the VHIS standard list | dependence, overdose or influence of drugs, alcohol, narcotics; venereal and sexually transmitted diseases; purchase of durable medical equipment or appliances; traditional Chinese medicine and other alternative treatments (unless covered by enhanced benefits) 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$46,275 to HK$46,275.
| 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.