Chow Tai Fook "ChampCare" Medical Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00077-14-000-01. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,436 |
| 45 | HK$9,404 |
| 60 | HK$15,936 |
| 75 | HK$42,271 |
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.14 |
|---|---|
| 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 | 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 claim made; pro-rata refund if terminated due to death of Insured Person or Company ceases authorization p.5 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, discretion to accept/reject) p.15 |
| Room class | Standard Private Room p.51 |
| If a higher room is used | 25% of Eligible Expenses for specified benefits if using a room type above Standard Private Room p.41 |
| Geographical cover | worldwide p.51 |
| Psychiatric treatment area | Hong Kong only p.40 |
| Emergency treatment abroad | covered 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.20 |
| How the deductible applies | per Policy Year; one-off reduction to USD 0 available at ages 50, 55, 60, 65, 70, 75, or 80 p.48 |
| Coinsurance | none p.51 |
| Pre-admission outpatient | Fully covered for 1 prior outpatient visit (more than 30 days before admission) and all prior outpatient visits (within 30 days before admission) p.52 |
| Post-discharge outpatient | Fully covered for all follow-up outpatient visits within 120 days after discharge/Day Case Procedure, or 180 days after discharge for major/complex surgery p.52 |
| General outpatient | none p.25 |
| 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 | Fully covered for haemodialysis or peritoneal dialysis due to Kidney Failure p.45 |
| Day case procedures | covered as in-patient p.19 |
| Home nursing | Fully covered for home nursing by a Licensed or Graduate Nurse, maximum 120 days per Policy Year p.44 |
| Hospice care | none p.29 |
| Chinese medicine | Inpatient: USD 130 per day for consultation, acupuncture, prescribed medicines. Outpatient: USD 170 per visit, max 1 visit/day, up to 15 visits post-confinement/Day Case Procedure. p.53 |
| Physiotherapy | Maximum 3 visits post-confinement/Day Case Procedure (within 120 days) under basic benefits; additional USD 1,550 per Policy Year under enhanced benefits after basic visits exhausted. p.52 |
| Congenital conditions | excluded if manifested or diagnosed before age 8 p.26 |
| Pregnancy complications | Covered for specified complications after 12 months from Policy Effective Date, subject to limits of basic and enhanced benefits p.45 |
| Emergency dental | Fully covered for emergency treatment to natural teeth due to Injury from Accident, within 30 days of Accident p.46 |
| Hospital cash | none |
| Companion bed | Fully covered for one extra bed for one person to accompany the Insured Person during Confinement p.44 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | 16% for first policy year; 0%, 8%, or 16% at renewal based on claims history; extra 0-4% discount at renewal based on number of policies and claims history p.39 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine treatment (other than specified enhanced benefits) 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.