Chow Tai Fook "ChampCare" Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00077-12-000-01. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$3,408 |
| 45 | HK$4,661 |
| 60 | HK$8,590 |
| 75 | HK$24,427 |
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 | 0% for first 30 days of Policy Year 1, 100% from day 31 of Policy Year 1 onwards p.23 |
| Waiting period | 1 year for Covered SEN Conditions and Covered Mental Conditions p.46 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no claims. After cooling-off, no refund if cancelled by policyholder (unless no benefit payment in policy year). Pro-rata refund for death or company ceasing authorisation. 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, company discretion). p.15 |
| Room class | Standard Private Room p.51 |
| If a higher room is used | 25% ward class adjustment factor if a higher room class than Standard Private Room is used p.41 |
| Geographical cover | Worldwide (excluding USA) p.51 |
| Psychiatric treatment area | Hong Kong only p.18 |
| Emergency treatment abroad | Covered worldwide p.41 |
| Full cover on core benefits | yes p.51 |
| Annual limit | 3870970 USD p.51 |
| Lifetime limit | 15483880 USD p.51 |
| Deductible options | 0, 2320, 4640 USD p.61 |
| 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.28 |
| Coinsurance | none p.51 |
| Pre-admission outpatient | 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure (more than 30 days before); all prior outpatient visits or Emergency consultations (within 30 days before) p.52 |
| Post-discharge outpatient | All follow-up outpatient visits within 120 days after discharge/Day Case Procedure; all follow-up outpatient visits within 180 days after discharge from major/complex surgery p.52 |
| General outpatient | none |
| Psychiatric treatment | 3875 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 due to Kidney Failure p.53 |
| Day case procedures | Covered as in-patient, fully covered for most items p.19 |
| Home nursing | Fully covered, maximum 120 days per Policy Year, 1 Licensed or Graduate Nurse per day (within 120 days after discharge) p.52 |
| Hospice care | none p.28 |
| Chinese medicine | Inpatient: 130 USD per day for practitioner's visit, acupuncture, Chinese medicines. Post-confinement/Day Case: 170 USD per visit, max 1 visit/day, up to 15 visits (within 120 days) p.53 |
| Physiotherapy | During confinement (fully covered under miscellaneous charges); Post-confinement/Day Case: max 3 visits (physiotherapy, chiropractic, occupational, speech therapy combined) within 120 days, then additional visits under outpatient ancillary benefit if basic benefit exhausted p.20 |
| Congenital conditions | Covered from age 8 p.26 |
| Pregnancy complications | Covered, subject to limits of basic and enhanced benefits, for defined complications diagnosed after 12 months from Policy Effective Date p.45 |
| Emergency dental | Fully covered for emergency treatment due to Injury from Accident, within 30 days of Accident p.53 |
| Hospital cash | none |
| Companion bed | Fully covered for one extra bed for one person to accompany the Insured Person during Confinement p.52 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated p.2 |
| No-claim discount | 16% for first policy year. Renewal discount depends on claims history: 16% (no claims), 8% (1 claim), 0% (2+ claims or 1 claim after 8% discount). Extra discount up to 4% for multiple policies. p.39 |
| Exclusions beyond the VHIS standard list | hypnotism; qigong; massage therapy; aromatherapy; naturopathy; hydropathy; homeotherapy 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.