Voluntary Health Insurance Scheme Flexi Plan - Healthy Life Medical Insurance Plan series
| Voluntary Health Insurance Scheme - Flexi Plan Certification Number | Healthy Life Medical Insurance Plan | Healthy Life Premier Medical Insurance Plan |
|---|---|---|
| Available for New Application | F00024-01-000-03 | F00030-01-000-03 F00030-01-001-03 F00030-02-000-03 F00030-02-001-03 |
| Not Available for New Application | F00024-01-000-02 F00024-01-000-01 |
F00030-01-000-02 F00030-01-001-02 F00030-02-000-02 F00030-02-001-02 F00030-01-000-01 F00030-01-001-01 F00030-02-000-01 F00030-02-001-01 |
Voluntary Health Insurance Scheme Provider Registration No: 00021 (Registration Effective Date: 28 Feb 2019)
Enjoy 10% premium discount on the first year’s premium! Click here for details.
| Terms and Conditions | ||
|---|---|---|
| Available for New Application | Not Available for New Application | |
| Healthy Life Medical Insurance Plan | Download | Download |
| Healthy Life Premier Medical Insurance Plan | ||
| Semi-private | Download | Download |
| Semi-private with SMM | Download | Download |
| Private | Download | Download |
| Private with SMM | Download | Download |
| Premium Table | |
|---|---|
| Healthy Life Medical Insurance Plan | Healthy Life Premier Medical Insurance Plan |
| Download | Download |
5 plan levels for your selection
The 5 plan levels include the ward level coverage of Healthy Life Medical Insurance Plan, and the semi-private room or private room coverage of Healthy Life Premier Medical Insurance Plan. If you take up Healthy Life Premier Medical Insurance Plan, you may also select supplementary major medical benefit for higher protection. If the actual medical expenses exceed the benefit limit, the supplementary major medical benefit will pay maximum 80% of the excess amount. This way you can focus on your treatment. For details of the benefit item and amount of each plan level, please refer to the benefit schedule.
Guaranteed renewal1 to age 100
So long as you have enrolled in the Plan successfully, the Plan is guaranteed to renew to age 100 regardless of your health condition and claim history after enrolment.
No claim discount
There will be a discount on premium if no benefits have been paid in the past 3 consecutive policy years or more. The discount will be 15% of the premium of next policy year and to be deducted upon premium payment.
No lifetime benefit limit whilst covering unknown pre-existing conditions
There is no lifetime benefit limit set in the Plan but it is subject to an aggregate benefit limit for each year. In addition, unknown pre-existing conditions are also covered. We fully cover eligible expenses arising from unknown pre-existing conditions, starting from the 31st day of the first policy year. For more information, please refer to item 6 of the important note stated in this product brochure.
Coverage for hospital confinement and surgical fees
The expenses related to room and board, attending doctor's visit fee, fee, surgeon's fees and miscellaneous charges during confinement2,3 are covered, releasing you from any kind of financial burden. Please refer to the benefit schedule for the benefit amount of each item.
Extended benefit - outpatient care
The Plan not only provides hospital confinement and surgical benefits, but also covers the expenses related to pre- and post-confinement / day case procedure4 outpatient care.
Prescribed non-surgical cancer treatments, prescribed diagnostic imaging tests and psychiatric treatments
The cost for treating cancer is expensive. This is why the Plan offers coverage on prescribed non-surgical cancer treatment procedures, including radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy. Furthermore, the Plan also covers prescribed diagnostic imaging tests (e.g. magnetic resonance imaging (MRI)) for the investigation or treatment of a disability, as well as psychiatric treatments during the confinement in Hong Kong.
Enhanced benefits
The Plan also provides the following enhanced benefits:
- Companion bed
- Emergency out-patient care (accidental injury) - the insured person is treated as a day patient in the emergency department of a hospital within 24 hours of an accident occurred that causes the disability
- Home nursing (post surgery) – the service is provided at home by a registered nurse5 within 90 days from the date on which the insured person is discharged from the hospital
- Organ donor benefit (Only applicable to Healthy Life Premier Medical Insurance Plan)
- Outpatient kidney dialysis
- Rehabilitative care (Only applicable to Healthy Life Premier Medical Insurance Plan)
Other benefits
In addition, the Plan also provides the following other benefits to give you greater peace of mind.
- Cash benefit for second claim – If the eligible medical expenses of the insured has been incurred during a confinement or undergoing any day case procedure, and such claim has been fully or partially reimbursed by other insurers, the Plan will offer a cash benefit for second claim
- Cash benefit for designated surgeries in designated hospitals in mainland cities in Greater Bay Area6- In the event that the insured undergoes designated surgeries6 in a hospital in designated Greater Bay Area city(ies)6 under the recommendation of his/her attending medical practitioner, the Plan will offer a cash benefit for designated surgeries in designated hospitals in mainland cities in Greater Bay Area
- Medical negligence death benefit7
- Compassionate death benefit
Tax deduction
The Plan is a certified plan under the Voluntary Health Insurance Scheme (VHIS) of Health Bureau where the policy holder may enjoy a tax deduction (if applicable). Policy holder may insure himself/herself or designated relatives for the Plan, the maximum amount of qualifying premiums eligible for tax deduction is HKD8,000 per insured person per tax year, there is no upper limit on the number of insurance policies or the number of insured persons for which a tax deduction can be claimed.
For details of tax deductions, please refer to clause 11 – “tax deduction” under “Important Information” in the product brochure.
Voluntary Health Insurance Scheme Flexi Plan - Healthy Life Medical Insurance Plan series6
| Plan type | Indemnity plan |
| Issue age | 15 days to age 80 |
| Benefit term | To age 100 of the insured person |
| Premium payment term | To age 99 of the insured person |
| Premium payment mode | Annual or monthly8 |
| Policy currency | HKD |
| Renewal | Guaranteed renewal1 |
Notes:
- China Life (Overseas) reserves the right to review the premium rates on each policy anniversary and revises the terms and conditions and/or the benefit items of the policy from time to time.
- Hospital means an establishment duly constituted and registered as a hospital under the laws of the relevant territory in which it is established, which is for providing medical service for sick and injured persons as Inpatients, and which (a) has facilities for diagnosis and major operations, or is a public hospital as defined in the Hospital Authority Ordinance (Cap. 113 of the Laws of Hong Kong) or a hospital for which a licence is issued under the Private Healthcare Facilities Ordinance (Cap. 633 of the Laws of Hong Kong) ;(b) provides 24 hours nursing services by licensed or registered nurses; (c) has 1 or more Registered Medical Practitioners; and (d) is not primarily a clinic, a place for alcoholics or drug addicts, a nature care clinic, a health hydro, a nursing, rest or convalescent home, a hospice or palliative care centre, a rehabilitation centre, an elderly home or similar establishment.
- Confinement means an admission of the insured person to a hospital that is recommended by a registered medical practitioner for medical service and as an Inpatient as a result of a medically necessary condition for a period of no less than 6 consecutive hours. No minimum period is required for confinement in connection with any emergency treatment in a hospital as a result of an emergency for the performance of a surgical procedure or other medical service in a hospital. Confinement shall be evidenced by a daily room charge invoiced by the hospital and the insured person must stay in the hospital continuously for the entire period of confinement.
- Day case procedure means a medically necessary surgical procedure for investigation or treatment to the insured person performed in a medical clinic, or day case procedure centre or hospital with facilities for recovery as a Day Patient.
- Licensed nurse means an independent person who, upon successful completion of a course at a recognized college or school of nursing, is legally authorized by the government of the geographical area of his or her practice to render nursing services.
- Mainland cities in the Greater Bay Area shall mean: Guangzhou, Shenzhen, Zhuhai, Foshan, Huizhou, Dongguan, Zhongshan, Jiangmen and Zhaoqing in People’s Republic of China. “List of Designated Hospitals in China (For Individual Claims)” published on China Life (Overseas)’s website (https://www.chinalife.com.hk/customer-service/claims/hospitals-in-china) may be varied, updated and amended from time to time at the Company’s discretion. Any change shall be deemed as effective as of the effective date as stated on the list, and policy holder and/or insured person is recommended to refer to the website set out above for the latest list before admission to the hospital.
The designated surgeries shall mean (1) oesophagogastroduodenoscopy (OGD) +/- biopsy and/or polypectomy; (2) OGD with removal of foreign body; (3) OGD with ligation / banding of oesophageal/ gastric varices; (4) colonoscopy +/- biopsy; (5) colonoscopy with polypectomy; (6) phacoemulsification and implant of intraocular lens; and (7) curettage / cryotherapy / cauterization / laser treatment of lesion of skin. - If the insured person dies directly as a consequence of any erroneous or negligent action, omission or failure to observe reasonable standards of medical practice by a registered medical practitioner of a hospital during the course of any medical services performed on the insured person in such hospital, in addition to any compassionate death benefit payable, and in the situation that all the following conditions have been met:
(1)the death of the insured person occurs within 30 days of such recorded and proven incident;
(2)a public admission of such incident and liability is made by the hospital and verified and confirmed by the relevant government authority, a court of law, coroner’s inquest or the medical council; and
(3)the death is independent of any other cause,
the Company shall pay to the beneficiary the medical negligence death benefit as specified in the benefit schedule provided proof of such death is furnished to the Company. - If the required renewal premium is paid by you within the grace period, the policy shall continue to be in force. For details, please refer to the terms and conditions issued by China Life (Overseas).
Notice
Inclusion of public hospitals and private hospitals in Hong Kong in the definition of Hospital under VHIS policy terms & conditions
With effect from 1 April 2023, the definition of "Hospital" in Part 8 "Definition" of your VHIS policy terms and conditions shall be refined to make clear that it shall include public hospitals as defined in the Hospital Authority Ordinance (Cap. 113 of the Laws of Hong Kong) and hospitals for which a licence is issued under the Private Healthcare Facilities Ordinance (Cap. 633 of the Laws of Hong Kong), subject to other conditions of (b), (c) and (d) in the definition. The relevant Supplement will be sent to all policy holders concerned on or before the respective policy renewals from 1 April 2023.
For any queries, please contact our Customer Service Hotline at (852) 3999 5519.
Important Information
You have the right to purchase the medical insurance product as a standalone plan instead of bundling with other type(s) of insurance product.
