Does VHIS cover cancer diagnosis and treatments? Tips to ensure sufficient protection
The VHIS Scheme offers comprehensive coverage, encompassing medical expenses across three key stages: (1) diagnostic investigations, (2) cancer treatment, and (3) post-treatment rehabilitation.
Coverage for Cancer Diagnosis
Cancer is classified as a critical illness, making early diagnosis particularly crucial. Physicians typically recommend patients undergo a series of laboratory tests and imaging scans, such as Computed Tomography (CT) scans, Magnetic Resonance Imaging (MRI) scans, and Positron Emission Tomography (PET) scans, to assist in determining whether cancer is present.
For the aforementioned specified diagnostic imaging tests, VHIS provides coverage. Taking Bowtie as an example, the coverage amounts for different VHIS plans are as follows:
| Flexi Plan (Standard ) | Flexi Plan (Plus ) | Bowtie Pink VHIS | |
| Annual coverage | $26,000 ^ | $40,000 ^ | Full compensation * |
- ^ Subject to 30% co-insurance
- *Full reimbursement refers to coverage without sub-limits and applies only to specified covered items. Claims are subject to the excess (where applicable), annual coverage limits, lifetime coverage limits, and other restrictions including reasonable and customary charges, pre-existing conditions, the list of designated hospitals in Chinese Mainland, and provisions regarding medical treatment in the United States. For detailed product terms and conditions, product risks, and exclusions, please refer to the relevant product website and policy documents.
Coverage for Surgical Treatment of Cancer
Should the insured person be diagnosed with cancer, surgical intervention may be required to remove cancerous tissue and prevent further deterioration.
The VHIS Scheme categorises relevant surgeries as ‘Minor’, ‘Moderate’, ‘Major’ and ‘Complex’, with detailed coverage amounts as follows:
| Flexi Plan (Standard ) | Flexi Plan (Plus ) | Bowtie Pink VHIS
( High-End VHIS ) |
||
| Surgeon’s fees | Minor surgery | $6,000/time | $9,000/time | Full compensation* |
| Medium-sized surgery | $15,000/time | $22,500/time | ||
| Major surgery | $30,000/time | $45,000/time | ||
| Complex surgery | $60,000/time | $90,000/time | ||
| Anesthesiologist Fees | Minor surgery | $2,100/time | $3,200/time | Full compensation* |
| Medium-sized surgery | $5,300/time | $7,900/time | ||
| Major surgery | $10,500/time | $15,800/time | ||
| Complex surgery | $21,000/time | $31,500/time | ||
| Operating room fee | Minor surgery | $2,100/time | $3,200/time | Full compensation* |
| Medium-sized surgery | $5,300/time | $7,900/time | ||
| Major surgery | $10,500/time | $15,800/time | ||
| Complex surgery | $21,000/time | $31,500/time |
Coverage for Non-Surgical Cancer Treatment
Beyond surgical interventions, physicians may also arrange non-surgical treatments for patients. Non-surgical cancer treatments specified under the VHI scheme include radiotherapy, chemotherapy, targeted therapy, immunotherapy, and hormone therapy. Coverage limits for Bowtie’s various plans are as follows:
| Flexi Plan (Standard ) | Flexi Plan (Plus ) | Bowtie Pink VHIS | |
| Define non-surgical cancer treatment | $80,000/year | $160,000/year | Full compensation* |
Cancer treatment is a protracted battle. After completing the entire course of treatment, patients require ongoing physical examinations, condition monitoring, and other rehabilitation therapies to prevent recurrence.
The coverage scope of VHIS generally includes outpatient care before and after discharge, as well as before and after day surgery. Bowtie’s VHIS Flexi Plan further provides coverage for home nursing fees and rehabilitation treatment after discharge, allowing the insured to recuperate with peace of mind.
Coverage limits for Bowtie’s different plans are as follows:
| Flexi Plan (Standard ) | Flexi Plan (Plus ) | Bowtie Pink VHIS | |
| Hospital admission/outpatient care before or after day surgery 1 | $900/time
|
$1,300/time
|
Full compensation * |
| Daily home care fee after discharge : 2 | $500/day
|
$800/day
|
$1,300 – $2,000/day#
|
| Rehabilitation Therapy 2 | $1,500/time
|
$2,200 – 3,000 /day#
The annual policy cap is $30,000 – $40,000.
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- *Full indemnity means no sub-limit applies, and is only applicable to specified coverage items. Claims are subject to the excess (where applicable), annual coverage limits, lifetime coverage limits, and other restrictions including reasonable and customary charges, pre-existing conditions, the list of designated hospitals in Chinese Mainland, and provisions regarding medical treatment in the United States. For detailed terms and conditions, product risks, and exclusions, please refer to the relevant product website and policy documents.
- 1Up to 1/2 outpatient or emergency consultations prior to hospitalisation/day surgery; up to 3 follow-up outpatient consultations within 90 days post-discharge/day surgery. The Company reserves the right to request proof of such written recommendation, such as a referral letter or a statement provided by the attending or registered medical practitioner on the claim form.
- 2The Company reserves the right to request proof of relevant written recommendations, such as referral letters or statements provided by the attending physician or registered medical practitioner on the claim form.
- #Coverage amounts may vary slightly depending on the plan purchased
How to Select VHIS with Sufficient Cancer Coverage?
- If you already have company medical insurance/personal medical insurance but find the coverage insufficient, you can directly purchase Bowtie Pink to enhance your cancer protection. This plan provides full reimbursement* for any hospital, any surgery, and any treatment, including cancer treatment!
- If you currently hold no medical insurance, you may first purchase a Standard plan (such as Bowtie Flexi Plan). However, Standard plans impose sub-limits on specific benefits, which may prove insufficient for cancer treatment. Therefore, the insured may subsequently add Bowtie Cancer Protection to elevate cancer coverage to $3 million. This plan also provides full reimbursement^ for medical services required due to covered cancers.
Premium Reference
| Bowtie Pink (Standard room, $80,000 deductible) | VHIS Flexi Plan (Standard) + Cancer Fighter 300 | |
| For 30-year-old non-smoking men | $213/month | $311/month |
- Full indemnity refers to the absence of sub-limits on compensation and applies only to specified coverage items. The payable compensation is subject to the excess (if applicable), annual coverage limits, lifetime coverage limits, and other restrictions including reasonable and customary charges, pre-existing conditions, the list of designated hospitals in Chinese Mainland, and medical treatment in the United States. For detailed terms and conditions, product risks, and exclusions, please refer to the relevant product website and policy.
- ^Applicable to standard semi-private wards or lower grades. Should the insured person opt for accommodation in a standard private room or higher grade during hospitalisation, we shall only reimburse a specified percentage of the relevant hospitalisation expenses. For details, please refer to the coverage specifics below.
