Does VHIS cover cancer protection?
VHIS provides comprehensive coverage for medical expenses in the three stages of (1) diagnostic testing, (2) cancer treatment, and (3) follow-up care and recovery.
Coverage for cancer diagnosis
As cancer is a serious illness, early diagnosis is crucial. Doctors typically recommend a series of tests and screenings, such as CT scans, MRI scans, and PET scans, to help determine whether a patient has cancer.
VHIS provides coverage for the above-mentioned diagnostic imaging tests. Taking Bowtie as an example, the benefit limits for different VHIS plans are as follows:
| VHIS Standard | VHIS Flexi | Bowtie Pink | |
| Annual Benefit Limit | HK$26,000 ^ | HK$40,000 ^ | Full Coverage * |
- ^ 30% co-insurance required
- * The Bowtie Pink Voluntary Health Insurance series fully covers eligible medical expenses such as diagnosis, hospitalisation, surgery, and prescribed non-surgical cancer treatments (except in the United States), and is subject to annual benefit limits and lifetime benefit limits. If the claim involves confinement in a Mainland China Hospital unlisted in / a High-end Mainland China Hospital listed in the "List of Designated Hospitals in Mainland China" / confinement in a room higher than the restricted ward class / a pre-existing condition, the relevant benefit payable may be adjusted.
Coverage for cancer surgery
Once a patient is diagnosed with cancer, they may need to undergo surgery to remove cancerous tissue and prevent the condition from worsening.
VHIS categorizes cancer surgeries as “minor,” “Intermediate,” “major,” or “complex,” and the benefit limits are as follows:
| Flexi Regular | Flexi Plus | Bowtie Pink (High-end VHIS) | ||
| Surgeon’s fee | Minor | HK$6,000 / session | HK$9,000/session | Full Coverage* |
| Intermediate | HK$15,000/ session | HK$22,500/session | ||
| Major | HK$30,000/ session | HK$45,000/session | ||
| Complex | HK$60,000/ session | HK$90,000/session | ||
| Anaesthetist’s fee | Minor | HK$2,100/session | HK$3,200/session | Full Coverage* |
| Intermediate | HK$5,300/ session | HK$7,900/session | ||
| Major | HK$10,500/session | HK$15,800/session | ||
| Complex | HK$21,000/session | HK$31,500/session | ||
| Operating theatre charges | Minor | HK$2,100/session | HK$3,200/session | Full Coverage* |
| Intermediate | HK$5,300/ session | HK$7,900/session | ||
| Major | HK$10,500/session | HK$15,800/session | ||
| Complex | HK$21,000/session | HK$31,500/session |
Coverage for non-surgical cancer treatment
In addition to surgery, doctors may also arrange for non-surgical cancer treatment. The non-surgical cancer treatments covered by VHIS plans include radiation therapy, chemotherapy, targeted therapy, immunotherapy, and hormone therapy.
The coverage limits for different Bowtie plans are as follows:
| VHIS Flexi | Bowtie Pink | |
| Prescribed non-surgical cancer treatments | HK$160,000 / year | Full Coverage * |
Cancer treatment is a long-term battle. After completing cancer treatment, patients still need to undergo regular physical examinations and check-ups to monitor their condition and prevent relapse.
The coverage of VHIS generally includes outpatient care for patients after discharge and before and after day surgeries. Bowtie VHIS Flexi plans even provides coverage for at-home nursing care and rehabilitation treatment for patients after hospital discharge, allowing policyholders to recover with peace of mind.
The benefit limits for different Bowtie plans are as follows:
| Flexi Regular | Flexi Plus | Bowtie Pink | |
| Pre- and post-confinement / Day case procedure outpatient care 1 | HK$900 / visit HK$3,000/ year 2 prior and 3 follow-up outpatient visits | HK$1,300 / visit HK$6,400/ year 2 prior and 3 follow-up outpatient visits | Full coverage* |
| Post-confinement / Day case procedure daily home nursing1 | HK$500/ day Up to 180 days | HK$800/ day Up to 180 days | HK$1,300 – 2,000/ day#
|
| Rehabilitative care 1 | HK$750/ day HK$10,000/ year Only within 90 days after discharge | HK$1,500/ day HK$20,000/ year Only within 90 days after discharge | HK$2,200 -3,000/ day# HK$30,000 -40,000/ year#
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- *The Bowtie Pink Voluntary Health Insurance series fully covers eligible medical expenses such as diagnosis, hospitalisation, surgery, and prescribed non-surgical cancer treatments (except in the United States), and is subject to annual benefit limits and lifetime benefit limits. If the claim involves confinement in a Mainland China Hospital unlisted in / a High-end Mainland China Hospital listed in the "List of Designated Hospitals in Mainland China" / confinement in a room higher than the restricted ward class / a pre-existing condition, the relevant benefit payable may be adjusted.
- 1prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure; 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure).
- 2 The Company shall have the right to ask for proof of recommendation e.g. written referral or testifying statement on the claim form by the attending doctor or Registered Medical Practitioner.
- #Depends on which plan the Insured Person choose, coverage is slightly different
