Healthy Life Premier Medical Insurance Plan
Also known as: 健康常伴優越醫療保險計劃
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Last checked
Healthy Life Premier Medical Insurance Plan is recorded as VHIS medical. Check its published cover, premium terms and exclusions below; missing fields are unconfirmed and this catalogue is for information only, with original sources checked .Sources & verification dates
At a glance
- Insurer
- China Life Insurance (Overseas) Company Limited
- Product category
- VHIS medical
- Policy currencies
- HKD
- Premium payment terms
- To age 99 / Annual renewal; premium rates can be reviewed on each policy anniversary.
- Issue ages & basis
View 1 options
Issue ages & basis Recorded information Premium payment terms / Age basis 15 days to 80 years
Age basis: Not confirmed
- VHIS flexi plan listed by the Health Bureau; check the certification number and selected option.
Decision sheet
6 of 14 known · 0 not published · 8 not yet checked
- What it pays and when
Benefit term: To age 100 / Guaranteed renewal subject to the policy conditions.Public source · Checked:
Recorded features: VHIS flexi plan listed by the Health Bureau; check the certification number and selected option.Public source · Checked:
- Benefit limits
- not yet checked
- Premium and payment term
Premium payment terms: To age 99 / Annual renewal; premium rates can be reviewed on each policy anniversary.Public source · Checked:
- How premiums can change
- not yet checked
- Guaranteed / non-guaranteed
- not yet checked
- Waiting periods
- not yet checked
- Main exclusions
Published key exclusions (not exhaustive): Non-medically necessary treatment, tests and services are excluded. Cosmetic treatment has specified exceptions.Public source · Checked:
Published key exclusions (not exhaustive): Selected exclusions only; consult the full wording for other exclusions and exceptions.Public source · Checked:
- Surrender / cancellation
- not yet checked
- Cooling-off
- not yet checked
- Riders
- not yet checked
- Claims steps
Insurer claims guide · Medical / VHIS
Medical / VHIS — Steps: Submit individual hospital claims through OneService and check status; original receipts of HKD10,000 or above must follow by mail.Public source · Checked:
Medical / VHIS — Required documents: Hospital form, diagnosis / discharge evidence, original receipts and bill, certified ID; tests and other-insurer advice if applicable.Public source · Checked:
Medical / VHIS — Submission channels: OneService online; mail original receipts and form where required.Public source · Checked:
Medical / VHIS — Overseas claims / servicing: Mainland hospitalisation needs admission / discharge records, outpatient records and itemised hospital charges.Public source · Checked:
Medical / VHIS — Assessment / payment timing: Complete individual claims: qualifying Superspeed 1 working day, Express 3; others 4–10. These are decision / progress targets.Public source · Checked:
- Policy servicing from abroad
- not yet checked
- Complaints and dispute routes
1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:
2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked:
3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked:
ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked:
- Deductibles / room / renewal
VHIS plan type: Flexi PlanPublic source · Checked:
Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.
Questions to ask before buying
Questions to ask before buying (9)
Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.
- What benefit limits apply?
- When and how can premiums change?
- What is the waiting period for illness claims?
- What are the cancellation terms and any surrender value or charges?
- Which riders are available, and what are their costs and terms?
- How can I service the policy from abroad, and what restrictions apply?
- Can you provide the key facts statement and policy provisions for this product?
- What is the cooling-off period, and how do I cancel during it?
- Which benefits and values are guaranteed, and which are not?
Certified VHIS benefits and renewal
Amounts apply only to the identified option and the benefit items in its certified schedule. Read the linked schedule for shared limits, coinsurance, territorial and room restrictions, waiting periods and exceptions. This summary does not replace the policy.
Renewal does not fix future premiums. The policy's portfolio premium adjustment provisions and renewal conditions apply.
Semi-private · HKD · F00030-01-000-03
Certified option / product ID: F00030-01-000-03-001
Register plan date: · Checked:
- Annual limit for the schedule's specified benefit items: HKD 1,100,000 per policy year · PDF page 46
- Room and board: HKD 2,500 per day · Maximum 270 days per policy year · PDF page 45
- Miscellaneous charges: HKD 24,000 per policy year · PDF page 45
- Attending doctor's visits: HKD 2,000 per day · Maximum 270 days per policy year · PDF page 45
- Specialist's fees: HKD 6,000 per policy year · PDF page 45
- Intensive care: HKD 6,000 per day · Maximum 90 days per policy year · PDF page 45
- Surgeon's fees: Complex / major / intermediate / minor surgery: HKD 86,000 / HKD 43,000 / HKD 25,800 / HKD 8,600 per surgery · PDF page 45
- Anaesthetist's fees: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 45
- Operating theatre: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 45
- Prescribed diagnostic imaging: HKD 30,000 per policy year · PDF page 45
- Prescribed non-surgical cancer treatment: HKD 150,000 per policy year · PDF page 45
- Psychiatric treatment: HKD 35,000 per policy year · Maximum 180 days per policy year · PDF page 45
- Renewal: Guaranteed renewal to age 100, subject to renewal provisions · PDF page 14
- Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 25
- Unresolved field · Deductible: Not confirmed for this certified option; unknown does not mean zero
- Unresolved field · Pre/post confinement or day procedure outpatient care: This value depends on conditions or shared limits; check the benefit item in the certified schedule
Semi-private with SMM · HKD · F00030-01-001-03
Certified option / product ID: F00030-01-001-03-001
Register plan date: · Checked:
- Annual limit for the schedule's specified benefit items: HKD 1,100,000 per policy year · PDF page 46
- Room and board: HKD 2,500 per day · Maximum 270 days per policy year · PDF page 45
- Miscellaneous charges: HKD 24,000 per policy year · PDF page 45
- Attending doctor's visits: HKD 2,000 per day · Maximum 270 days per policy year · PDF page 45
- Specialist's fees: HKD 6,000 per policy year · PDF page 45
- Intensive care: HKD 6,000 per day · Maximum 90 days per policy year · PDF page 45
- Surgeon's fees: Complex / major / intermediate / minor surgery: HKD 86,000 / HKD 43,000 / HKD 25,800 / HKD 8,600 per surgery · PDF page 45
- Anaesthetist's fees: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 45
- Operating theatre: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 45
- Prescribed diagnostic imaging: HKD 30,000 per policy year · PDF page 45
- Prescribed non-surgical cancer treatment: HKD 150,000 per policy year · PDF page 45
- Renewal: Guaranteed renewal to age 100, subject to renewal provisions · PDF page 14
- Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 25
- Psychiatric treatment: HKD 35,000 per policy year · PDF page 45
- Unresolved field · Deductible: Not confirmed for this certified option; unknown does not mean zero
- Unresolved field · Pre/post confinement or day procedure outpatient care: This value depends on conditions or shared limits; check the benefit item in the certified schedule
Private · HKD · F00030-02-000-03
Certified option / product ID: F00030-02-000-03-001
Register plan date: · Checked:
- Annual limit for the schedule's specified benefit items: HKD 1,500,000 per policy year · PDF page 46
- Room and board: HKD 4,500 per day · Maximum 270 days per policy year · PDF page 45
- Miscellaneous charges: HKD 35,000 per policy year · PDF page 45
- Attending doctor's visits: HKD 4,000 per day · Maximum 270 days per policy year · PDF page 45
- Specialist's fees: HKD 12,000 per policy year · PDF page 45
- Intensive care: HKD 9,000 per day · Maximum 90 days per policy year · PDF page 45
- Surgeon's fees: Complex / major / intermediate / minor surgery: HKD 120,000 / HKD 60,000 / HKD 36,000 / HKD 12,000 per surgery · PDF page 45
- Anaesthetist's fees: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 45
- Operating theatre: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 45
- Prescribed diagnostic imaging: HKD 40,000 per policy year · PDF page 45
- Prescribed non-surgical cancer treatment: HKD 200,000 per policy year · PDF page 45
- Psychiatric treatment: HKD 40,000 per policy year · Maximum 180 days per policy year · PDF page 45
- Renewal: Guaranteed renewal to age 100, subject to renewal provisions · PDF page 14
- Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 25
- Unresolved field · Deductible: Not confirmed for this certified option; unknown does not mean zero
- Unresolved field · Pre/post confinement or day procedure outpatient care: This value depends on conditions or shared limits; check the benefit item in the certified schedule
Private with SMM · HKD · F00030-02-001-03
Certified option / product ID: F00030-02-001-03-001
Register plan date: · Checked:
- Annual limit for the schedule's specified benefit items: HKD 1,500,000 per policy year · PDF page 46
- Room and board: HKD 4,500 per day · Maximum 270 days per policy year · PDF page 45
- Miscellaneous charges: HKD 35,000 per policy year · PDF page 45
- Attending doctor's visits: HKD 4,000 per day · Maximum 270 days per policy year · PDF page 45
- Specialist's fees: HKD 12,000 per policy year · PDF page 45
- Intensive care: HKD 9,000 per day · Maximum 90 days per policy year · PDF page 45
- Surgeon's fees: Complex / major / intermediate / minor surgery: HKD 120,000 / HKD 60,000 / HKD 36,000 / HKD 12,000 per surgery · PDF page 45
- Anaesthetist's fees: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 45
- Operating theatre: 35% of the payable surgeon's fee, subject to the schedule's calculation basis · PDF page 45
- Prescribed diagnostic imaging: HKD 40,000 per policy year · PDF page 45
- Prescribed non-surgical cancer treatment: HKD 200,000 per policy year · PDF page 45
- Renewal: Guaranteed renewal to age 100, subject to renewal provisions · PDF page 14
- Exclusions (summary): Non-medically necessary expenses are excluded. Other general and case-based exclusions and exceptions apply; read the certified wording and individual policy. · PDF page 25
- Psychiatric treatment: HKD 40,000 per policy year · PDF page 45
- Unresolved field · Deductible: Not confirmed for this certified option; unknown does not mean zero
- Unresolved field · Pre/post confinement or day procedure outpatient care: This value depends on conditions or shared limits; check the benefit item in the certified schedule
Belongs to
Belongs to
Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.
More product information from this insurer:
- VHIS medical
- HKD
- Premium term band: To age
- Issue-age band: Children (0–17)
- Issue-age band: Adults (18–64)
- Issue-age band: Older adults (65+)
- China Life
Goals and audience categories described by product type
- Hong Kong health insurance: VHIS, medical, critical illness
- Students abroad
- Young professionals
- Parents and family cover
- Approaching retirement
- Grandparents and grandchildren
- Newborns
- Retirees
- Everyday savers
- Aircrew and seafarers
- Employers of domestic helpers
- Expat insurance in Hong Kong
- Freelancers and self-employed people
- Medical professionals
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Comparison groups
Comparison groups
All published facts
All published facts
| Field | Recorded information | ||||
|---|---|---|---|---|---|
| Product category | VHIS medical | ||||
| Policy currencies | HKD | ||||
| Premium payment terms | To age 99 / Annual renewal; premium rates can be reviewed on each policy anniversary. | ||||
| Benefit term | To age 100 / Guaranteed renewal subject to the policy conditions. | ||||
| Issue ages & basis |
| ||||
| Recorded features | VHIS flexi plan listed by the Health Bureau; check the certification number and selected option. | ||||
| VHIS plan type | Flexi Plan | ||||
| Published key exclusions (not exhaustive) |
|
Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
Checked:
- Health Bureau — certified plan identity, currencies and availability
Source date: Not confirmed
Checked:
- Healthy Life Premier Medical Insurance Plan — Enrollment Terms
Source date: / Page: 5
- Healthy Life Premier Medical Insurance Plan — Important Information / general exclusions
Source date: / Page: 9
- Healthy Life Premier Medical Insurance Plan — Product Details; undated
Source date: Not confirmed