Chow Tai Fook "ChampCare" Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00077-09-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$774 |
| 45 | HK$1,185 |
| 60 | HK$2,098 |
| 75 | HK$5,733 |
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.14 |
|---|---|
| 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 | 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, cancellation with 30 days written notice (no benefits paid in relevant Policy Year). p.5 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits may require re-underwriting for the upgraded/additional benefits. 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 class is used, benefits are subject to ward class adjustment factors: 25% or 50% depending on entitled and actual room class. p.41 |
| Geographical cover | Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Mainland China, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam) p.51 |
| Psychiatric treatment area | Hong Kong only p.54 |
| Emergency treatment abroad | Covered worldwide p.51 |
| Full cover on core benefits | yes p.54 |
| Annual limit | USD 3,225,810 p.52 |
| Lifetime limit | USD 12,903,240 p.52 |
| Deductible options | 0, 2320, 4640 USD p.56 |
| How the deductible applies | Per Policy Year. Can be reduced to zero for Major Cancer, Severe Heart Attack or Stroke. One-off reduction option at ages 50, 55, 60, 65, 70, 75, 80. p.51 |
| Coinsurance | 20% of eligible expenses after deductible, up to USD 2,320 per Policy Year p.51 |
| Pre-admission outpatient | 1 visit more than 30 days before, all visits within 30 days before Confinement/Day Case Procedure p.53 |
| Post-discharge outpatient | All follow-up visits within 120 days after discharge/Day Case Procedure; or 180 days after discharge for major/complex surgery p.53 |
| General outpatient | none |
| Psychiatric treatment | USD 3,875 per Policy Year p.53 |
| Diagnostic imaging coinsurance | none p.53 |
| Non-surgical cancer treatment | full cover p.53 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis due to Kidney Failure p.53 |
| Day case procedures | Covered as in-patient, subject to annual limit 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.28 |
| Chinese medicine | Inpatient: USD 105 per day, up to USD 3,875 per Policy Year. Post-Confinement/Day Case: USD 80 per visit, max 1 visit per day, up to 15 visits within 120 days. p.53 |
| Physiotherapy | Up to 3 visits in total for physiotherapy, chiropractic, occupational, speech therapy within 120 days after discharge/Day Case Procedure under basic benefits. Additional USD 775 per Policy Year for ancillary benefit, max 1 visit per day, after basic visits exhausted. p.53 |
| 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.53 |
| Emergency dental | Full cover for emergency treatment (consultation, staunch bleeding, tooth extraction, root canals, x-ray) to natural teeth due to Injury from Accident, if treated 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 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | 16% discount for first Policy Year. From Renewal, 16% if no Specified Benefit paid in prior year, 8% if Specified Benefit paid. 0% if 8% applied in prior year. Can return to 16% after 3 consecutive years with no Specified Benefit paid at 0%. Extra no claim discount up to 4% based on number of policies. p.39 |
| Exclusions beyond the VHIS standard list | Traditional Chinese medicine treatment (herbal, bone-setting, acupuncture, acupressure, tui na); other alternative treatment (hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeopathy) p.26 |
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.