All-in-One Summary of VHIS Coverage
Want to understand what Voluntary Health Insurance covers? Check out our handy guide prepared by Bowtie. For a deeper dive into each coverage item, read more to explore the details!
Different plans offer varying levels of cover
Voluntary Health Insurance primarily comprises the “Standard Plan” and “Flexible Plan”, both providing cover for hospitalisation treatment. The “Standard Plan” includes 12 items of “Basic Cover”, with an annual sum assured of $420,000 per policy year. The “Flexi Plan” serves as an enhanced version of the “Standard Plan”, offering additional cover items and higher sum assured.
What surgeries are covered under Voluntary Health Insurance?
To clearly outline which surgical procedures are covered under Voluntary Health Insurance, the scheme provides a “VHIS Surgery List”.
The “VHIS Surgery List” categorises procedures by 13 bodily systems, 40 organs, and surgical complexity. Policyholders may use this schedule to ascertain their eligible coverage amounts.
Does Voluntary Health Insurance cover cancer treatment?
Yes! Voluntary Health Insurance covers the following three major stages of cancer medical expenses for the insured:
- Diagnostic examinations
- Cancer treatment: surgical and non-surgical procedures
- Rehabilitation follow-up
Does Voluntary Health Insurance cover outpatient treatment?
Voluntary Health Insurance primarily provides cover for hospitalisation. However, recognising that many individuals require outpatient treatment before or after hospitalisation, and given the advancement of medical technology where day centre examinations and treatments are increasingly commonplace, Voluntary Health Insurance also provides cover for certain outpatient and day treatments.
Does Voluntary Health Insurance cover dental treatment?
Voluntary Health Insurance only provides cover for essential surgical procedures resulting from accidental injury (such as teeth fracturing due to sudden impact).
Does Voluntary Health Insurance cover psychiatric treatment?
Under the regulations of the Department of Health, all Voluntary Health Insurance schemes will reimburse eligible expenses incurred by the insured for psychiatric treatment received during hospitalisation within Hong Kong, provided such treatment is recommended by a specialist.
Does Voluntary Health Insurance cover medical examination fees?
Maintaining good health requires regular medical check-ups. Simply put, Voluntary Health Insurance does not cover preventive examinations, but it does provide cover for “diagnostic examinations”. For instance, the cost of annual health check-ups undertaken for personal wellness will not be covered. However, if you seek medical attention at a clinic or hospital due to feeling unwell and the doctor recommends certain examination procedures, these items fall under “diagnostic examinations” and will be covered by Voluntary Health Insurance!
Does Voluntary Health Insurance cover overseas medical expenses?
With many considering emigration, overseas study or work, will treatment abroad be covered under Voluntary Health Insurance?
Voluntary Health Insurance provides global medical coverage, offering at least $420,000 annual protection!
However, if you have purchased a Flexible Plan or Premium Voluntary Health Insurance Plan, you should carefully review the policy terms, as coverage regions vary between plans and additional benefits may not apply in certain areas.
Does Bowtie Voluntary Health Insurance cover overseas medical expenses?
Exclusions under Voluntary Health Insurance: While the above outlines what Voluntary Health Insurance covers, policyholders should thoroughly understand the exclusions to be fully aware of their rights and coverage. If anything is unclear, contact your insurer promptly to avoid future misunderstandings.
