Chow Tai Fook "ChampCare" Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00077-11-000-01. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$1,368 |
| 45 | HK$2,090 |
| 60 | HK$3,957 |
| 75 | HK$9,638 |
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$3,870,970 |
| Lifetime limit | HK$15,483,880 |
| 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 | First 30 days of the first Policy Year no coverage; 31st day of the first Policy Year onwards full coverage p.23 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period if no claim. No refund after cooling-off period if policy cancelled. p.5 |
| Switching from another plan | Allowed to switch to plans with upgraded/added benefits (re-underwriting limited to new benefits) or downgraded/reduced benefits (no re-underwriting, but company discretion to accept/reject). p.15 |
| Room class | Standard Private Room p.51 |
| If a higher room is used | 25% adjustment factor if a higher room class than Standard Private Room is used p.41 |
| Geographical cover | Worldwide (excluding USA) p.40 |
| Psychiatric treatment area | Hong Kong only p.40 |
| Emergency treatment abroad | Covered worldwide p.40 |
| Full cover on core benefits | yes p.51 |
| Annual limit | USD 3,870,970 p.51 |
| Lifetime limit | USD 15,483,880 p.51 |
| Deductible options | USD 0, 2320, 4640 p.50 |
| How the deductible applies | Per Policy Year, with a one-off option to reduce at ages 50, 55, 60, 65, 70, 75, or 80 p.48 |
| Coinsurance | 20% (referred to as Benefit Contribution Amount), subject to USD 2,320 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 visits within 120 days after discharge (or 180 days 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 p.53 |
| Day case procedures | Covered as in-patient for many benefits p.19 |
| Home nursing | Full cover, maximum 120 days per Policy Year (1 visit per day by Licensed or Graduate Nurse) p.52 |
| Hospice care | none p.28 |
| Chinese medicine | Inpatient: USD 130 per day; Post-Confinement/Day Case Procedure: USD 170 per visit, max 1 visit per day, up to 15 visits within 120 days p.53 |
| Physiotherapy | 3 visits within 120 days post-discharge under basic benefits, then USD 1,550 per Policy Year (max 1 visit per day) under enhanced benefits p.52 |
| Congenital conditions | Covered from age 8 p.25 |
| 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 to natural teeth due to accident, within 30 days of accident p.46 |
| 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 year. From renewal, 16% if no claim in prior year, 8% if claim in prior year, 0% if claim in prior 2 years. Can return to 16% after 3 claim-free years. Extra discount for multiple policies. p.39 |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment 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.