Blue Cross CareForYou Standard Plan for VHIS is a Standard Plan certified under the Voluntary Health Insurance Scheme, certification number S00032-01-000-02. It entitles the insured to a standard ward (standard plan) room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$3,657 |
| 45 | HK$6,895 |
| 60 | HK$13,595 |
| 75 | HK$25,492 |
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, hospital cash.
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 within 21-day cooling-off period; after cooling-off, cancellation with 30 days notice if no benefit payment p.5 |
| Switching from another plan | possible to switch to another plan, re-underwriting applies for upgrade or additional benefits 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.39 |
| Annual limit | 420000 p.39 |
| Lifetime limit | none p.39 |
| Deductible options | none |
| Coinsurance | none (except for Prescribed Diagnostic Imaging Tests) p.23 |
| Pre-admission outpatient | 1 visit, $580 per visit, up to $3,000 per Policy Year p.39 |
| Post-discharge outpatient | 3 visits within 90 days, $580 per visit, up to $3,000 per Policy Year p.39 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.39 |
| Diagnostic imaging coinsurance | 30% p.39 |
| Non-surgical cancer treatment | 80000 p.39 |
| Kidney dialysis | not stated |
| Day case procedures | covered as in-patient, subject to annual limit and specific benefit limits p.19 |
| Home nursing | none |
| Hospice care | none p.28 |
| Chinese medicine | none p.25 |
| Physiotherapy | covered during confinement under miscellaneous charges and post-discharge outpatient care p.20 |
| Congenital conditions | covered from age 8 p.25 |
| Pregnancy complications | none p.25 |
| Emergency dental | covered for emergency treatment and surgery during confinement arising from an accident p.25 |
| Hospital cash | HKD 400 per day, maximum 10 days per Policy Year p.39 |
| Companion bed | none |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | reimbursement basis only p.2 |
| 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.25 |
At a constant age of 45, Blue Cross has filed 4 schedule changes on this plan since 2021, an average of +4.9% a year, taking the premium from HK$4,827 to HK$6,895.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +8.0% |
| 2024 | +13.0% |
| 2025 | +12.5% |
| 2026 | +4.0% |
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.