China Taiping Taiping Voluntary Health Insurance Scheme Standard Plan is a Standard Plan certified under the Voluntary Health Insurance Scheme, certification number S00016-01-000-02. It entitles the insured to a standard ward (standard plan) room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$3,896 |
| 45 | HK$6,264 |
| 60 | HK$10,022 |
| 75 | HK$18,238 |
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 | Standard ward (Standard Plan) |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$420,000 |
| Lifetime limit | None |
| Room and board | HK$750 |
| Hospital charges | HK$14,000 |
| Doctor's visits | HK$750 |
| Specialist fees | HK$4,300 |
| Intensive care | HK$3,500 |
| 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 | HK$80,000 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$420,000 |
Also includes hospital cash, 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 | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.23 |
| Waiting period | none |
| Cancellation and refund | Full refund during 21-day cooling-off period; no refund after cooling-off if benefits paid; pro-rata refund for termination due to death or company ceasing 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, company discretion) p.15 |
| Room class | not restricted p.19 |
| Geographical cover | worldwide p.19 |
| Psychiatric treatment area | Hong Kong only p.22 |
| Emergency treatment abroad | Covered worldwide p.19 |
| Full cover on core benefits | no p.1 |
| Annual limit | 420000 p.1 |
| Lifetime limit | none p.1 |
| Deductible options | none |
| Coinsurance | none |
| Pre-admission outpatient | 1 visit, $580 per visit, up to $3,000 per Policy Year p.21 |
| Post-discharge outpatient | 3 visits within 90 days, $580 per visit, up to $3,000 per Policy Year p.21 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.1 |
| Diagnostic imaging coinsurance | 30% p.1 |
| Non-surgical cancer treatment | 80000 p.1 |
| Kidney dialysis | not stated |
| Day case procedures | Covered as in-patient, subject to general benefit limits p.19 |
| Home nursing | none |
| Hospice care | none p.29 |
| Chinese medicine | none p.26 |
| Physiotherapy | Covered during confinement under miscellaneous charges ($14,000 per Policy Year); covered for 3 post-discharge outpatient visits ($580 per visit, up to $3,000 per Policy Year) p.20 |
| Congenital conditions | Covered from age 8 p.26 |
| Pregnancy complications | none p.26 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.25 |
| Hospital cash | $500 per day, maximum 30 days per Policy Year p.1 |
| Companion bed | none |
| Second medical opinion | none |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | Available, terms not detailed p.2 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances for home use; traditional Chinese medicine treatment and other alternative treatments p.25 |
At a constant age of 45, China Taiping has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$6,264 to HK$6,264.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | no change |
| 2025 | no change |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Standard Plan | Standard ward (Standard Plan) | None | HKD 420,000 per Policy Year |
| Standard Plan | Standard ward (Standard Plan) | None | HKD 420,000 per Policy Year |
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.