HSBC Life HSBC Voluntary Health Insurance One Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00079-01-000-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$3,172 |
| 45 | HK$5,301 |
| 60 | HK$8,471 |
| 75 | HK$17,308 |
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 | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| Lifetime limit | None |
| Room and board | HK$1,000 |
| Hospital charges | HK$14,000 |
| Doctor's visits | HK$1,000 |
| Specialist fees | HK$4,300 |
| Intensive care | HK$4,000 |
| Surgeon's fee | HK$50,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | As stated in the schedule |
| Outpatient before and after | HK$3,000 |
| Psychiatric treatment | HK$30,000 |
Also includes outpatient general, 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 | 100 p.14 |
|---|---|
| Pre-existing conditions unknown at application | 100% from year 1 p.22 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period. No refund after cooling-off if benefits paid; pro-rata if Company terminates. p.5 |
| Switching from another plan | Allowed to switch to upgraded plans (re-underwriting for new benefits) or downgraded plans (no re-underwriting, Company discretion). p.15 |
| Room class | not restricted p.18 |
| If a higher room is used | not applicable p.18 |
| Geographical cover | Worldwide, except for psychiatric treatment and medical negligence benefit p.18 |
| Psychiatric treatment area | Hong Kong only p.18 |
| Emergency treatment abroad | Covered worldwide p.18 |
| Full cover on core benefits | no p.32 |
| Annual limit | unlimited p.32 |
| Lifetime limit | none p.18 |
| Deductible options | none p.32 |
| How the deductible applies | not applicable |
| Coinsurance | none (except for Prescribed Diagnostic Imaging Tests) p.32 |
| Pre-admission outpatient | 1 visit, $580 per visit, up to $3,000 per Policy Year p.32 |
| Post-discharge outpatient | 3 visits within 90 days, $580 per visit, up to $3,000 per Policy Year p.32 |
| General outpatient | none |
| Psychiatric treatment | HKD 30,000 per Policy Year p.32 |
| Diagnostic imaging coinsurance | 30% p.32 |
| Non-surgical cancer treatment | HKD 80,000 per Policy Year p.32 |
| Kidney dialysis | HKD 50,000 per Policy Year p.32 |
| Day case procedures | Covered as in-patient, subject to respective benefit limits p.18 |
| Home nursing | none p.25 |
| Hospice care | none p.25 |
| Chinese medicine | none p.22 |
| Physiotherapy | Covered during Confinement and post-discharge outpatient care, subject to limits. p.17 |
| Congenital conditions | Covered from age 8 p.22 |
| Pregnancy complications | none p.22 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.22 |
| Hospital cash | none |
| Companion bed | none |
| Second medical opinion | available (no specific benefit) p.18 |
| Direct billing and pre-authorisation | none p.1 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine treatment and other forms of alternative treatment p.21 |
At a constant age of 45, HSBC Life has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$5,301 to HK$5,301.
| Year | Change |
|---|---|
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
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.