Chow Tai Fook "ChampCare" Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00077-10-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$2,004 |
| 45 | HK$2,942 |
| 60 | HK$5,115 |
| 75 | HK$13,213 |
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 refund after cooling-off period if benefits paid p.5 |
| Switching from another plan | Switching to upgrade benefits may involve re-underwriting; 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 Standard Semi-private Room entitled, 25% of eligible expenses paid for higher room; if Standard Private Room entitled, 50% of eligible expenses paid for higher room 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 | Worldwide p.51 |
| Full cover on core benefits | yes p.51 |
| Annual limit | 3,225,810 USD per Policy Year p.51 |
| Lifetime limit | 12,903,240 USD p.51 |
| Deductible options | 0, 2320, 4640 USD p.57 |
| How the deductible applies | Per Policy Year; one-off right to reduce to zero at ages 50, 55, 60, 65, 70, 75, or 80 p.51 |
| Coinsurance | none p.51 |
| Pre-admission outpatient | 1 visit more than 30 days before, all visits within 30 days before Confinement/Day Case Procedure p.52 |
| Post-discharge outpatient | All follow-up visits within 120 days (or 180 days for major/complex surgery); max 3 visits for physiotherapy/chiropractic/occupational/speech therapy within 120 days p.52 |
| General outpatient | none |
| Psychiatric treatment | 3,875 USD 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 for various benefits, no specific limit stated beyond overall annual/lifetime limits p.19 |
| Home nursing | Full cover, max 120 days per Policy Year, 1 nurse per day, within 120 days after discharge from Hospital p.53 |
| Hospice care | none p.28 |
| Chinese medicine | 3,875 USD per Policy Year for inpatient; 80 USD per visit, max 15 visits within 120 days post-discharge for outpatient p.53 |
| Physiotherapy | Max 3 visits within 120 days post-discharge under basic benefits; 775 USD per Policy Year, max 1 visit per day within 120 days post-discharge under enhanced benefits (if basic visits exhausted) p.52 |
| Congenital conditions | Covered if manifested or diagnosed at or after age 8 p.25 |
| Pregnancy complications | Covered under basic and some enhanced benefits, if diagnosed after 12 months from Policy Effective Date p.53 |
| Emergency dental | Full cover for emergency treatment due to accident, within 30 days of accident p.53 |
| Companion bed | Full cover for one extra bed for one person to accompany Insured Person during Confinement p.53 |
| No-claim discount | 16% for first policy year; renewal discount varies (0%, 8%, 16%) based on claims history; extra discount up to 4% based on number of policies p.39 |
| Exclusions beyond the VHIS standard list | drug/alcohol dependence, venereal/sexually transmitted disease; purchase of durable medical equipment; traditional Chinese medicine treatment; sex reassignment/sexual dysfunction p.24 |
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.