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Zurich — same-insurer plan comparison

Zurich Insurance Company Ltd · 7 plan series (13 variants, deductibles merged, sorted from basic to comprehensive)

Zurich Insurance Company Ltd offers 13 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 12 Flexi), covering Asia incl. AU/NZ, Worldwide (excluding United States) and Worldwide, across Semi-Private Room, Ward and N/A (capped) ward classes. Premiums, coverage items, deductible tiers and annual limits are compared side-by-side below.

Data version: Mar 19, 2021

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項目
HealthSure Voluntary Health Insurance Plan
HealthFlexi Voluntary Health Insurance Plan - Essential
HealthFlexi Voluntary Health Insurance Plan - Essential with SMM
HealthFlexi Voluntary Health Insurance Plan - Advanced
HealthFlexi Voluntary Health Insurance Plan - Advanced with SMM
HealthFlexi Plus Voluntary Health Insurance Plan - HKD0 Deductible (Asia)
HealthFlexi Plus Voluntary Health Insurance Plan - HKD0 Deductible (Worldwide excluding the U.S.)
Highlights
VHIS cert no.
S00024-01-000-02Benefits PDFPremiums PDF
F00044-01-000-02Benefits PDFPremiums PDF
F00044-01-001-02Benefits PDFPremiums PDF
F00044-02-000-02Benefits PDFPremiums PDF
F00044-02-001-02Benefits PDFPremiums PDF
F00036-01-000-02Benefits PDFPremiums PDF
F00036-02-000-02Benefits PDFPremiums PDF
F00036-03-000-02Benefits PDFPremiums PDF
F00036-04-000-02Benefits PDFPremiums PDF
F00036-05-000-02Benefits PDFPremiums PDF
F00036-06-000-02Benefits PDFPremiums PDF
F00036-07-000-02Benefits PDFPremiums PDF
F00036-08-000-02Benefits PDFPremiums PDF
Plan type
Standard
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Coverage region
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Asia incl. AU/NZ
Worldwide (excluding United States)
Ward
N/A (capped)
Ward
Ward
Semi-Private Room
Semi-Private Room
Semi-Private Room
Semi-Private Room
Lifetime limit
—
—
—
—
—
Annual limit
Per illness
—
—
—
—
—
—
—
SMM top-up
—
—
—
—
—
No-Claim Bonus
—
—
—
—
—
—
—
Deductible
—
—
—
—
—
Version
Mar 19, 2021
Mar 19, 2021
Mar 19, 2021
Mar 19, 2021
Mar 19, 2021
Mar 19, 2021
Mar 19, 2021
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
$900 per day, maximum 180 days per Policy Year
$900 per day, maximum 180 days per Policy Year
$1,800 per day, maximum 180 days per Policy Year
$1,800 per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(b) Miscellaneous charges
$14,000 per Policy Year
$16,000 per Policy Year
$16,000 per Policy Year
$24,000 per Policy Year
$24,000 per Policy Year
50% of Eligible Expenses and other Reasonable and Customary charges, or the benefit payable under the Terms and Benefits of the Standard Plan, whichever is higher
50% of Eligible Expenses and other Reasonable and Customary charges, or the benefit payable under the Terms and Benefits of the Standard Plan, whichever is higher
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
$900 per day, maximum 180 days per Policy Year
$900 per day, maximum 180 days per Policy Year
$1,800 per day, maximum 180 days per Policy Year
$1,800 per day, maximum 180 days per Policy Year
Actual Eligible Expenses
Actual Eligible Expenses
(d) Specialist's fee
$4,300 per Policy Year
$6,000 per Policy Year
$6,000 per Policy Year
$8,000 per Policy Year
$8,000 per Policy Year
Actual Eligible Expenses
Actual Eligible Expenses
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
$3,500 per day, maximum 25 days per Policy Year
$3,500 per day, maximum 25 days per Policy Year
$5,000 per day, maximum 25 days per Policy Year
$5,000 per day, maximum 25 days per Policy Year
Actual Eligible Expenses
Actual Eligible Expenses
    Surgeon's fee — Minor
$5,000
$ 5,750
$ 5,750
$ 8,000
$ 8,000
Actual Eligible Expenses
Actual Eligible Expenses
    Surgeon's fee — Intermediate
$12,500
$13,500
$13,500
$20,000
$20,000
Actual Eligible Expenses
Actual Eligible Expenses
    Surgeon's fee — Major
$25,000
$27,000
$27,000
$40,000
$40,000
Actual Eligible Expenses
Actual Eligible Expenses
    Surgeon's fee — Complex
$50,000
$54,000
$54,000
$80,000
$80,000
Actual Eligible Expenses
Actual Eligible Expenses
(g) Anaesthetist's fee
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Actual Eligible Expenses
Actual Eligible Expenses
(h) Operating theatre charges
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Actual Eligible Expenses
Actual Eligible Expenses
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$30,000 per Policy Year. Subject to 30% Coinsurance.
$30,000 per Policy Year. Subject to 30% Coinsurance.
$40,000 per Policy Year
$40,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
$80,000 per Policy Year
$80,000 per Policy Year
$120,000 per Policy Year
$120,000 per Policy Year
Actual Eligible Expenses
Actual Eligible Expenses
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$580, per visit, $3,000 per Policy Year• Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$580, per visit, $3,000 per Policy Year• Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$800, per visit, $5,000 per Policy Year• Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$800, per visit, $5,000 per Policy Year• Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$1,600 per visit, $10,000 per Policy Year• Up to 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure• Unlimited follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$1,600 per visit, $10,000 per Policy Year• Up to 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure• Unlimited follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
Actual Eligible Expenses
Actual Eligible Expenses
Extra Benefits Extra
Accident-related
Emergency outpatient treatment for Accident
—
$3,000 per Policy Year, within 48 hours of the Accident
$3,000 per Policy Year within 48 hours of the Accident
$5,000 per Policy Year, within 48 hours of the Accident
$5,000 per Policy Year within 48 hours of the Accident
$5,000 per Policy Year within 48 hours of the Accident
$5,000 per Policy Year within 48 hours of the Accident
Inpatient-related
Medical implants / prosthetic devices
—
$5,000 per Policy Year
$5,000 per Policy Year
$10,000 per Policy Year
$10,000 per Policy Year
Actual Eligible Expenses
Actual Eligible Expenses
Other medical devices (unspecified items)
—
$5,000 per Policy Year
$5,000 per Policy Year
$10,000 per Policy Year
$10,000 per Policy Year
Actual Eligible Expenses
Actual Eligible Expenses
Hospital companion bed fee reimbursement
—
$400 per day, maximum 60 days per Policy Year
$400 per day, maximum 60 days per Policy Year
$600 per day, maximum 60 days per Policy Year
$600 per day, maximum 60 days per Policy Year
$800 per day, maximum 60 days per Policy Year
$800 per day, maximum 60 days per Policy Year
Private nursing fee (during Confinement)
—
$800 per day, maximum 30 days per Policy Year
$800 per day, maximum 30 days per Policy Year
$1,000 per day, maximum 30 days per Policy Year
$1,000 per day, maximum 30 days per Policy Year
$1,600 per day, maximum 30 days per Policy Year
$1,600 per day, maximum 30 days per Policy Year
Outpatient-related
Cancer / cardiac / stroke rehabilitation benefit
—
$10,000 per Policy Year
$10,000 per Policy Year
$15,000 per Policy Year
$15,000 per Policy Year
$25,000 per Policy Year
$25,000 per Policy Year
Outpatient kidney dialysis
—
$50,000 per Policy Year
$50,000 per Policy Year
$100,000 per Policy Year
$100,000 per Policy Year
Actual Eligible Expenses
Actual Eligible Expenses
Hospice and palliative care benefit
—
—
—
—
—
$80,000 per Policy Year
$80,000 per Policy Year
Daily post-surgery home nursing benefit
—
$500 per day, maximum 90 days per Policy Year
$500 per day, maximum 90 days per Policy Year
$800 per day, maximum 90 days per Policy Year
$800 per day, maximum 90 days per Policy Year
$1,600 per day, maximum 90 days per Policy Year
$1,600 per day, maximum 90 days per Policy Year
Event Benefits Event
Accidental Death benefit
—
—
$100,000
—
$100,000
$100,000
$100,000
Medical accident and incident extension benefit
—
—
—
—
—
$90,000
$90,000