MSIG VHIS Standard Care is a Standard Plan certified under the Voluntary Health Insurance Scheme, certification number S00029-01-000-02. It entitles the insured to a standard ward (standard plan) room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,104 |
| 45 | HK$6,588 |
| 60 | HK$9,666 |
| 75 | HK$20,304 |
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 rehabilitation, kidney dialysis.
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.10 |
|---|---|
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.18 |
| Waiting period | none |
| Cancellation and refund | full refund within 21-day cooling-off period if no claim made p.4 |
| Switching from another plan | possible to switch to another plan, re-underwriting for upgrades p.12 |
| Room class | not restricted p.15 |
| Geographical cover | worldwide p.15 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | covered, worldwide p.15 |
| Full cover on core benefits | no p.29 |
| Annual limit | 420000 p.29 |
| Lifetime limit | none p.29 |
| Deductible options | none |
| Coinsurance | none p.18 |
| Pre-admission outpatient | 1 visit per confinement/day case, up to $580 per visit, $3,000 per policy year p.29 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/day case, up to $580 per visit, $3,000 per policy year p.29 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.29 |
| Diagnostic imaging coinsurance | 30% p.29 |
| Non-surgical cancer treatment | 80000 p.29 |
| Kidney dialysis | not stated |
| Day case procedures | covered as in-patient equivalent, $1,000 cash allowance per procedure p.15 |
| Home nursing | none |
| Hospice care | none p.22 |
| Chinese medicine | none p.20 |
| Physiotherapy | covered during confinement and for 3 follow-up outpatient visits post-discharge p.16 |
| Congenital conditions | covered from age 8 p.20 |
| Pregnancy complications | none p.19 |
| Emergency dental | covered for emergency treatment and surgery during confinement arising from an accident p.19 |
| Hospital cash | $1,000 per day case procedure; $1,000 per claim for second claim cash allowance p.29 |
| Companion bed | none |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | pre-authorisation for claimable amount estimate available p.14 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances (e.g. wheelchairs, dialysis machines); traditional Chinese medicine and other alternative treatments p.19 |
At a constant age of 45, MSIG has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$6,588 to HK$6,588.
| 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.
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.