Dah Sing Insurance ADVANTAGE VHIS Standard Plan is a Standard Plan certified under the Voluntary Health Insurance Scheme, certification number S00019-01-000-03. It entitles the insured to a standard ward (standard plan) room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,230 |
| 45 | HK$7,021 |
| 60 | HK$11,473 |
| 75 | HK$24,166 |
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 | HK$3,000 |
| Psychiatric treatment | HK$420,000 |
Also includes outpatient general, rehabilitation.
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.12 |
|---|---|
| Pre-existing conditions unknown at application | no coverage in 1st year, 25% in 2nd year, 50% in 3rd year, full coverage from 4th year p.19 |
| Waiting period | none |
| Cancellation and refund | full refund during 21-day cooling-off period; after cooling-off, cancellation with 30 days notice if no benefit payment p.4 |
| Switching from another plan | possible to switch to another plan with re-underwriting for upgraded benefits p.13 |
| Room class | not restricted p.16 |
| Geographical cover | worldwide excluding psychiatric treatment p.16 |
| Psychiatric treatment area | Hong Kong only p.18 |
| Emergency treatment abroad | covered worldwide p.16 |
| Full cover on core benefits | no p.30 |
| Annual limit | 420000 p.30 |
| Lifetime limit | none p.30 |
| Deductible options | none |
| How the deductible applies | none |
| Coinsurance | none, except for Prescribed Diagnostic Imaging Tests p.20 |
| Pre-admission outpatient | 1 visit prior to confinement/day case procedure, $580 per visit, up to $3,000 per Policy Year p.30 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/day case procedure, $580 per visit, up to $3,000 per Policy Year p.30 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.30 |
| Diagnostic imaging coinsurance | 30% p.30 |
| Non-surgical cancer treatment | 80000 p.30 |
| Kidney dialysis | not stated |
| Day case procedures | covered as in-patient for relevant benefits p.16 |
| Home nursing | none |
| Hospice care | none p.24 |
| Chinese medicine | none p.22 |
| Physiotherapy | covered during confinement under miscellaneous charges ($14,000 per Policy Year) and post-discharge outpatient care ($580 per visit, up to $3,000 per Policy Year) p.30 |
| 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 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine treatment and other alternative treatments p.21 |
At a constant age of 45, Dah Sing has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$7,021 to HK$7,021.
| 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.