Chow Tai Fook "ChampCare" Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00077-08-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$694 |
| 45 | HK$1,043 |
| 60 | HK$1,873 |
| 75 | HK$5,079 |
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$3,225,810 |
| Lifetime limit | HK$12,903,240 |
| 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$3,875 |
| 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 | 30 days for unknown pre-existing conditions p.23 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period (no benefits paid). After cooling-off, no refund for current/previous policy years if cancelled with 30 days notice (no benefits paid). p.5 |
| Switching from another plan | Switching to upgrade benefits may involve re-underwriting for the upgraded benefits. Switching to downgrade benefits does not involve re-underwriting, but is subject to company discretion. p.15 |
| Room class | Standard Semi-private Room in HK, Macau, Australia, NZ; Standard Private Room elsewhere p.51 |
| If a higher room is used | If higher room used: 25% of eligible expenses if entitled to Standard Private Room; 25% or 50% if entitled to Standard Semi-private Room depending on actual room type p.40 |
| Geographical cover | Asia for non-Emergency Treatment p.51 |
| Psychiatric treatment area | Hong Kong only p.53 |
| Emergency treatment abroad | Worldwide p.51 |
| Full cover on core benefits | yes p.51 |
| Annual limit | USD 3,225,810 p.51 |
| Lifetime limit | USD 12,903,240 p.51 |
| Deductible options | 0, 4640 p.61 |
| How the deductible applies | Per Policy Year. Waived for Major Cancer, Severe Heart Attack or Stroke. Can be reduced at ages 50, 55, 60, 65, 70, 75, 80. p.51 |
| Coinsurance | 20% of eligible expenses after deductible, subject to USD 4,640 per Policy Year p.51 |
| Pre-admission outpatient | 1 visit more than 30 days before, all visits within 30 days before 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 | USD 3,875 per Policy Year 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 p.53 |
| Day case procedures | Covered as in-patient, subject to deductible and coinsurance p.19 |
| Home nursing | Full cover, maximum 120 days per Policy Year, 1 Licensed or Graduate Nurse per day within 120 days after discharge p.53 |
| Hospice care | none p.29 |
| Chinese medicine | Inpatient: USD 105 per day for visit, acupuncture, medicines. Outpatient: USD 80 per visit, max 1 visit/day, up to 15 visits within 120 days post-discharge/Day Case. p.53 |
| Physiotherapy | Max 3 visits in total for physiotherapy, chiropractic, occupational, speech therapy within 120 days post-discharge/Day Case. Additional USD 775 per Policy Year for ancillary benefit, max 1 visit/day within 120 days post-discharge/Day Case. p.52 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.26 |
| Pregnancy complications | Covered for specified complications if diagnosed after 12 months from Policy Effective Date, subject to limits of basic and enhanced benefits p.53 |
| Emergency dental | Full cover for Emergency Treatment to natural teeth due to Injury from Accident, within 30 days of Accident p.53 |
| Hospital cash | none |
| Companion bed | Full cover for one extra bed for one person to accompany Insured Person during Confinement p.52 |
| No-claim discount | 16% for first year. From renewal: 16% (no claim), 8% (claim), 0% (8% applied last year). Can return to 16% after 3 claim-free years. Extra discount for multiple policies. p.39 |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); sex reassignment or sexual dysfunction; purchase of durable medical equipment or appliances; traditional Chinese medicine and other alternative treatments p.25 |
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.