Chow Tai Fook "ChampCare" Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00077-07-000-01. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$49,876 |
| 45 | HK$72,880 |
| 60 | HK$123,500 |
| 75 | HK$327,600 |
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 31st day of Policy Year 1 p.23 |
| Waiting period | 12 months for pregnancy complications; 1 year for Covered SEN Conditions and Covered Mental Conditions p.45 |
| Cancellation and refund | Full refund within 21-day cooling-off period. After cooling-off, no refund if cancelled by policyholder, unless due to death of insured or company ceasing authorization (pro-rata refund). p.5 |
| Switching from another plan | Switching to a plan with upgraded benefits may involve re-underwriting for the upgraded benefits. Switching to a plan with downgraded 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 | 25% of eligible expenses for room and board, etc., if a room type above Standard Private Room is used p.41 |
| Geographical cover | worldwide p.51 |
| Psychiatric treatment area | Hong Kong only p.40 |
| Emergency treatment abroad | Covered worldwide p.51 |
| Full cover on core benefits | yes p.51 |
| Annual limit | 30000000 p.51 |
| Lifetime limit | 120000000 p.51 |
| Deductible options | 0, 18000, 36000 p.60 |
| How the deductible applies | Per policy year; one-off reduction option at ages 50, 55, 60, 65, 70, 75, or 80 if continuously covered for 3 years p.28 |
| Coinsurance | none p.51 |
| Pre-admission outpatient | 1 visit more than 30 days before admission, all visits within 30 days before admission; fully covered p.52 |
| Post-discharge outpatient | All follow-up visits within 120 days (or 180 days for major/complex surgery); 3 visits for physiotherapy/chiropractic/occupational/speech therapy within 120 days; fully covered p.52 |
| General outpatient | Outpatient care for Covered SEN Conditions: HKD 1,200 per visit, max 5 visits per policy year. Outpatient care for Covered Mental Conditions: HKD 1,200 per visit, max 5 visits per policy year. p.53 |
| Psychiatric treatment | 30000 p.52 |
| Diagnostic imaging coinsurance | none p.52 |
| Non-surgical cancer treatment | full cover p.52 |
| Kidney dialysis | full cover p.53 |
| Day case procedures | Covered as in-patient, fully covered p.19 |
| Home nursing | Fully covered, max 120 days per policy year, 1 visit per day p.52 |
| Hospice care | none p.29 |
| Chinese medicine | Inpatient: HKD 1,000 per day, max HKD 30,000 per policy year. Post-confinement/day case outpatient: HKD 1,300 per visit, max 15 visits within 120 days. p.44 |
| Physiotherapy | 3 visits (shared with chiropractic, occupational, speech therapy) within 120 days post-confinement/day case, fully covered. Additional visits up to HKD 12,000 per policy year, max 1 visit per day, if basic benefit visits exhausted. p.52 |
| Congenital conditions | standard VHIS exclusions only p.26 |
| Pregnancy complications | Covered after 12 months waiting period, subject to limits of basic and enhanced benefits (a)-(i), (k) and (a)-(c) respectively p.45 |
| Emergency dental | Fully covered for treatment to natural teeth within 30 days of accident p.46 |
| Hospital cash | none |
| Companion bed | Fully covered p.52 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | 16% discount for first policy year. Renewal discount depends on claims history: 16% (no claims), 8% (some claims), 0% (claims in previous 2 years). Extra discount up to 4% based on number of policies. 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; sexual dysfunction 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$72,880 to HK$72,880.
| 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.