Voluntary Health Insurance Scheme Flexi Plan - Healthy Life Medical Insurance Plan series

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 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, pre-existing conditions are also covered where certain limitation are applied in the first 3 years after the Plan becomes effective. 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, specialist's fee, surgical fees and miscellaneous charges during confinement^2,3 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 disabilitydisability, as well as psychiatric treatments during the confinement in Hong Kong.

Enhanced benefits

Healthy Life Premier Medical Insurance Plan of the Plan also provides the following enhanced benefits:

• 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 60 days from the date on which the insured person is discharged from the hospital
• Organ donor benefit
• Outpatient kidney dialysis
• Rehabilitative care
• Companion bed

Tax deduction

The Plan is a certified plan under VHIS where the policy holder may enjoy a tax deduction. For details on tax deductions, please visit Inland Revenue Department (IRD) of HKSAR website and consult your tax and accounting advisors for tax advice.