Chow Tai Fook "ChampCare" Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00077-13-000-01. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,087 |
| 45 | HK$5,971 |
| 60 | HK$10,118 |
| 75 | HK$26,840 |
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 | No coverage for first 30 days of first policy year, full coverage from 31st day of first policy year onwards p.23 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period p.5 |
| Switching from another plan | Allowed to switch to another plan with upgrade/downgrade of benefits, with re-underwriting for upgrades only; can switch benefit levels to reduce deductible at specific ages p.15 |
| Room class | Standard Private Room p.51 |
| If a higher room is used | If a higher room class than entitled is used, a ward class adjustment factor of 25% is applied to eligible expenses for certain benefits. p.41 |
| Geographical cover | worldwide p.51 |
| Psychiatric treatment area | Hong Kong only p.40 |
| Emergency treatment abroad | Covered worldwide (territory is worldwide) p.51 |
| 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.54 |
| How the deductible applies | Per Policy Year; one-off reduction option available at ages 50, 55, 60, 65, 70, 75, or 80 if continuously covered for 3 years p.51 |
| Coinsurance | 20% of eligible expenses after deductible, subject to a maximum of 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; no explicit cap p.52 |
| Post-discharge outpatient | All follow-up visits within 120 days (or 180 days for major/complex surgery) after discharge; 3 visits for physiotherapy/chiropractic/occupational/speech therapy within 120 days p.52 |
| General outpatient | none |
| Psychiatric treatment | USD 3,875 per Policy Year p.52 |
| Diagnostic imaging coinsurance | 20% 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, no explicit limit other than overall annual/lifetime limits p.19 |
| Home nursing | Full cover, maximum 120 days per policy year, 1 nurse per day, within 120 days after discharge p.52 |
| Hospice care | none |
| Chinese medicine | Inpatient: USD 130 per day; Post-confinement/Day Case: USD 170 per visit, max 1 visit/day, up to 15 visits within 120 days; Overall limit: USD 3,875 per policy year p.53 |
| Physiotherapy | 3 visits under basic benefit, then additional visits under enhanced benefit up to USD 1,550 per policy year, max 1 visit/day, within 120 days after discharge p.53 |
| Congenital conditions | Covered from age 8 p.26 |
| Pregnancy complications | Covered for specified complications, subject to limits of basic and enhanced benefit items p.53 |
| Emergency dental | Full cover for 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 the insured during confinement p.52 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Reimbursement basis only p.2 |
| No-claim discount | Yes, 16% for first year, then tiered 0-16% based on claims history, plus an extra discount of 0-4% based on number of policies p.39 |
| Exclusions beyond the VHIS standard list | dependence, overdose or influence of drugs, alcohol, narcotics; venereal and sexually transmitted disease; Hair Mineral Analysis (HMA), health supplements; sex reassignment, sexual dysfunction; purchase of durable medical equipment or appliances 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.