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Healthy Life Medical Insurance Plan

With your increasing demand on a better living standard, a medical plan with basic coverage can no longer meet your needs. In view of the increasing medical expenses along with your needs to stay in a higher-level ward for treatment, we have prepared the Healthy Life Medical Insurance Plan series (the “Plan”), which provides comprehensive reimbursable medical coverage for well-planning people like you. The Plan is divided into 2 classes, namely Healthy Life Medical Insurance Plan and Healthy Life Premier Medical Insurance Plan, and there are 5 plan levels in total. You can choose one of the plan levels that best fits your budget to enjoy a quality protection.

Voluntary Health Insurance Scheme - Flexi Plan Certification Number Healthy Life Medical Insurance Plan Healthy Life Premier Medical Insurance Plan
Available for New Application F00024-01-000-02 F00030-01-000-02
F00030-01-001-02
F00030-02-000-02
F00030-02-001-02
Not Available for New Application F00024-01-000-01 F00030-01-000-01
F00030-01-001-01
F00030-02-000-01
F00030-02-001-01

Voluntary Health Insurance Scheme Provider Registration No: 00021 (Registration Effective Date: 28 Feb 2019).
5個計劃類別給您選擇

5 Plan Levels for Your Selection

保證續保至100歲

Guaranteed Renewal to Age 100

賠償住院及手術開支

Room & Board and Surgeon's Fee

稅務優惠

Tax Deduction

Enrolment Terms

Issue Age : From 15 days after birth to 80 years old

Policy Currency : HKD

Premium Payment Term : To age 99 of the Insured Person

Benefit Term : To age 100 of the Insured Person

Premium Payment Method : Annual or Monthly

Plan Features


5 Plan Levels for Your Selection

5 Plan Levels for Your Selection

The 5 plan levels include the ward level coverage Healthy Life Medical Insurance Plan, and the semi-private room or private room coverage Healthy Life Premier Medical Insurance Plan. Upon enrollment, you may select a plan level of Healthy Life Premier Medical Insurance Plan that has attached with Supplementary Major Medical Benefit for higher protection. If the actual medical expenses exceed the benefit limit, the Supplementary Major Medical Benefit will pay maximum 80% of the excess amount. This way you can focus on your treatment. For details of the benefit item and amount of each plan level, please refer to the Benefit Schedule.

No Claim Discount and Guaranteed Renewal to Age 100

No Claim Discount and Guaranteed Renewal to Age 100

There will be a discount on Premium if no benefits have been paid in the past 3 consecutive Policy Years or more. The discount will be 15% of the Premium of next Policy Year and to be deducted upon Premium payment.


So long as you have enrolled in the Plan successfully, the Plan is guaranteed to renew to age 100 regardless of your health condition and claim history after enrollment.

No Lifetime Benefit Limit whilst Covering Pre-existing Conditions

No Lifetime Benefit Limit whilst Covering Pre-existing Conditions

There is no Lifetime benefit limit set in the Plan but it is subject to an aggregate benefit limit for each year. In addition, pre-existing conditions are also covered where certain limitation are applied in the first 3 years after the Plan becomes effective. For more information, please refer to item 6 of the Important Note stated in this product brochure.
Room & Board and Surgeon's Fee

Room & Board and Surgeon's Fee

The expenses related to Room & board, Attending doctor's visit fee, Specialist's fee, surgical fees and Miscellaneous charges are covered, releasing you from any kind of financial burden. Please refer to the Benefit Schedule for the benefit amount of each item.
Extended Benefit - Pre- and post-Confinement/Day Case Procedure Outpatient Care

Extended Benefit - Pre- and post-Confinement/Day Case Procedure Outpatient Care

The Plan not only provides hospital confinement and surgical benefits, it also covers the expenses related to pre- and post-confinement / day case procedure outpatient care.
Prescribed Non-surgical Cancer Treatments, Prescribed Diagnostic Imaging Tests and Psychiatric Treatments

Prescribed Non-surgical Cancer Treatments, Prescribed Diagnostic Imaging Tests and Psychiatric Treatments

The cost for treating cancer is expensive.This is why the Plan offers coverage on Prescribed Non-surgical Cancer Treatment procedures, including radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy. Furthermore, the Plan also covers Prescribed Diagnostic Imaging Tests (e.g. MRI) for the investigation or treatment of a Disability, as well as Psychiatric treatments during the Confinement in Hong Kong.
Enhanced Benefits

Enhanced Benefits

The Healthy Life Premier Medical Insurance Plan of the Plan also provides the following enhanced benefits:

  • Emergency out-patient care (accidental injury)- the Insured Person is treated as a Day Patient in the Emergency department of a Hospital within 24 hours of an Accident occurred that causes the Disability
  • Home nursing (post surgery)- the service is provided at home by a registered nurse within 60 days from the date on which the Insured Person is discharged from the Hospital
  • Organ donor benefit
  • Outpatient kidney dialysis
  • Rehabilitative care
  • Companion bed

Tax Deduction

Tax Deduction

The Plan is a qualified Voluntary Health Insurance Scheme where the Policy Holder may enjoy a tax deduction. Please refer to the information provided by the government of the Hong Kong Special Administrative Region for details.
Benefit Schedule

(Policy Currency: HK Dollar)

Benefit Items1 Ward Semi-private Semi-private with SMM Private Private with SMM
Certification Number F00024-01-000-01 F00030-01-000-01 F00030-01-001-01 F00030-02-000-01 F00030-02-001-01
Entitled ward class6 Ward Semi-private Semi-private Standard Private Standard Private
(a)Room and board 750 per day
Maximum 180 days per Policy Year
1800 per day
Maximum 270 days per Policy Year
1800 per day
Maximum 270 days per Policy Year
3800 per day
Maximum 270 days per Policy Year
3800 per day
Maximum 270 days per Policy Year
(b)Miscellaneous charges 14,000 per Policy Year 20,000 per Policy Year 20,000 per Policy Year 32,000 per Policy Year 32,000 per Policy Year
(c)Attending doctor’s visit fee 750 per day
Maximum 180 days per Policy Year
2000 per day
Maximum 270 days per Policy Year
2000 per day
Maximum 270 days per Policy Year
4000 per day
Maximum 270 days per Policy Year
4000 per day
Maximum 270 days per Policy Year
(d)Specialist’s fee2 4,300 per Policy Year 5,600 per Policy Year 5,600 per Policy Year 10,400 per Policy Year 10,400 per Policy Year
(e)Intensive care 3,500 per day
Maximum 25 days per Policy Year
4,200 per day
Maximum 40 days per Policy Year
4,200 per day
Maximum 40 days per Policy Year
5,000 per day
Maximum 40 days per Policy Year
5,000 per day
Maximum 40 days per Policy Year
(f)Surgeon’s fee
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures:
Complex
Major
Intermediate
Minor



50,000
25,000
12,500
5,000



65,000
32,500
16,250
6,500



65,000
32,500
16,250
6,500



90,000
45,000
22,500
9,000



90,000
45,000
22,500
9,000
(g)Anaesthetist's fee 35% of Surgeon’s fee payable5
(h)Operating theatre charges 35% of Surgeon’s fee payable5
(i)Prescribed Diagnostic Imaging Tests2,3 20,000 per Policy Year
Subject to 30% Coinsurance
(j)Prescribed Non-surgical Cancer Treatments4 80,000 per Policy Year 100,000 per Policy Year 100,000 per Policy Year 200,000 per Policy Year 200,000 per Policy Year
(k)Pre- and post-Confinement/Day Case Procedure outpatient care 2 580 per visit, up to 3,000 per Policy Year
One prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure
Three follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
(l) Psychiatric treatments 30,000 per Policy Year
Other limits
Annual Benefit Limit for benefit items (a) – (l) 420,000 550,000 550,000 750,000 750,000
Lifetime Benefit Limit for benefit items (a) – (l) Nil
Supplementary major medical benefit7
Eligible Expenses incurred in excess of the amounts payable under items (a) to (l) (including excess over per day limit, maximum number of days per Policy Year or per Policy Year limit)
Maximum benefit per Policy Year (Attained age 0 – 79) 80,000 Nil 150,000 Nil 300,000
Maximum benefit per Policy Year (Attained age 80 – 100) 30,000 Nil 50,000 Nil 80,000
Coinsurance 20% Nil 20% Nil 20%
Enhanced benefits
(a)Companion bed Nil 450 per day
Maximum 90 days per Policy Year
450 per day
Maximum 90 days per Policy Year
650 per day
Maximum 90 days per Policy Year
650 per day
Maximum 90 days per Policy Year
(b)Emergency out-patient (accidental injury) Nil 6,000 per Policy Year 6,000 per Policy Year 12,000 per Policy Year 12,000 per Policy Year
(c)Home nursing Nil 800 per day
Maximum 15 days per Policy Year
Within 60 days after discharged from the Hospital maximum 1 time per day
800 per day
Maximum 15 days per Policy Year
Within 60 days after discharged from the Hospital maximum 1 time per day
1,600 per day
Maximum 15 days per Policy Year
Within 60 days after discharged from the Hospital maximum 1 time per day
1,600 per day
Maximum 15 days per Policy Year
Within 60 days after discharged from the Hospital maximum 1 time per day
(d)Organ donor benefit8 Nil 800,000 per Policy Year 800,000 per Policy Year 900,000 per Policy Year 900,000 per Policy Year
(e)Outpatient kidney dialysis9 Nil 50,000 per Policy Year
Maximum 60 days per Policy Year
50,000 per Policy Year
Maximum 60 days per Policy Year
75,000 per Policy Year
Maximum 60 days per Policy Year
75,000 per Policy Year
Maximum 60 days per Policy Year
(f)Rehabilitative care Nil 30,000 per Policy Year 30,000 per Policy Year 50,000 per Policy Year 50,000 per Policy Year
Other benefit
Compassionate death benefit 10,000

Notes:

  • Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above, unless otherwise specified. 
  • China Life (Overseas) 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. 
  • Tests covered here only include computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined.
  • Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
  • The percentage here applies to the Surgeon's fee actually payable or the benefit limit for the Surgeon's fee according to the surgical categorisation, whichever is the lower.
  • Ward class adjustment shall apply (if applicable) to the relevant benefit items. Please refer to Important Information item 8 for information.
  • The supplementary major medical benefit shall be payable for the Eligible Expenses incurred in excess of the amounts payable under items (a) – (l) taking into account the information stated on item 8 of Important Information (if applicable), subject to the Coinsurance as stated in the Benefit Schedule. The total amount of the supplementary major medical benefit is subject to the maximum benefit per Policy Year.
  • If the Insured Person is a donor in an organ transplantation surgery, and such procedure is undergone in Hong Kong, the Surgeon's fee, Anaesthetist's fee and operating theatre fee charged on the removal of organ or bone marrow will be paid.
  • The benefit shall be payable for the Eligible Expenses charged for haemodialysis or peritoneal dialysis performed on the Insured Person due to chronic and irreversible kidney failure.


Remarks:
  • Confinement means an admission of the Insured Person to a Hospital that is recommended by a Registered Medical Practitioner for Medical Service and as an Inpatient as a result of a Medically Necessary condition for a period of no less than 6 consecutive hours. No minimum period is required for Confinement in connection with any Emergency Treatment in a Hospital as a result of an Emergency for the performance of a surgical procedure or other Medical Service in a Hospital.
  • Day Case Procedure means a Medically Necessary surgical procedure for investigation or treatment to the Insured Person performed in a medical clinic, or day case procedure centre or Hospital with facilities for recovery as a Day Patient.
  • Coinsurance means a percentage of Eligible Expenses the Policy Holder must contribute after paying the Deductible (if any) in a Policy Year. For the avoidance of doubt, Coinsurance does not refer to any amount that the Policy Holder is required to pay if the actual expenses exceed the benefit limits under the Policy.
  • Medically Necessary mean the need to have medical service for the purpose of investigating or treating the relevant Disability in accordance with the generally accepted standards of medical practice.
  • Hospital means an establishment duly constituted and registered as a hospital under the laws of the relevant territory in which it is established, which is for providing Medical Service for sick and injured persons as Inpatients, and which (a) has facilities for diagnosis and major operations; (b) provides 24 hours nursing services by licensed or registered nurses; (c) has 1 or more Registered Medical Practitioners; and (d) is not primarily a clinic, a place for alcoholics or drug addicts, a nature care clinic, a health hydro, a nursing, rest or convalescent home, a hospice or palliative care centre, a rehabilitation centre, an elderly home or similar establishment.
Terms and Conditions

Please refer to the Policy documents for the complete definitions of the capitalised terms, as well as all the terms and conditions of this product. In the event of any dispute, China Life (Overseas) reserves the right to the final decision in deciding whether or not to accept the application and provide the insurance coverage.

This shall not be construed as any provision of or offer to sell or solicitation to buy any insurance product outside Hong Kong. China Life (Overseas) does not provide or offer to sell any insurance product outside Hong Kong.

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Healthy Life Medical Insurance Plan

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