Zurich Insurance Company Ltd

What does Zurich VHIS Series offer?

Zurich VHIS Series comprises three Certified Plans registered under the Voluntary Health Insurance Scheme, offering medical protection options for individuals and families.

The series offers different levels of protection to suit personal needs and budgets, with renewal available up to age 100 subject to the policy’s renewal provisions and payment of the prevailing premium; Zurich may amend premiums, benefits and terms at renewal.

Which plans are available, and how do their needs differ?

HealthSure is the series’ Standard Plan and is presented as its most affordable choice; Zurich says no additional exclusion will be imposed because of a change in health conditions at renewal.

HealthFlexi Essential adds enhanced benefits to the Standard Plan, and core coverage can be increased by adding a supplementary major medical benefit.

HealthFlexi Advanced offers a higher benefit limit intended to support access to a better ward with improved privacy.

HealthFlexi Plus offers coverage of major medical expense items, with annual coverage up to HKD 6,000,000 and a choice of deductible options.

Can I choose coverage to fit my budget and preferred protection level?

The series offers different levels of protection to suit personal needs and budgets, with renewal available up to age 100 subject to the policy’s renewal provisions and payment of the prevailing premium; Zurich may amend premiums, benefits and terms at renewal.

HealthSure is the series’ Standard Plan and is presented as its most affordable choice; Zurich says no additional exclusion will be imposed because of a change in health conditions at renewal.

HealthFlexi Essential adds enhanced benefits to the Standard Plan, and core coverage can be increased by adding a supplementary major medical benefit.

HealthFlexi Advanced offers a higher benefit limit intended to support access to a better ward with improved privacy.

HealthFlexi Plus offers coverage of major medical expense items, with annual coverage up to HKD 6,000,000 and a choice of deductible options.

How long can the plans be renewed?

The series offers different levels of protection to suit personal needs and budgets, with renewal available up to age 100 subject to the policy’s renewal provisions and payment of the prevailing premium; Zurich may amend premiums, benefits and terms at renewal.

Does the coverage include overseas medical expenses?

The series covers local and overseas medical expenses, with territorial scope varying by plan; the stated worldwide scope excludes psychiatric treatments, and HealthFlexi Plus Prestige has Asia or worldwide-excluding-the-US options, with Asia including Australia and New Zealand.

Are unknown pre-existing conditions covered?

The series covers unknown conditions that existed before policy issuance, subject to the applicable policy terms and exclusions.

Can VHIS premiums qualify for a tax deduction?

Eligible Zurich VHIS Series plans may qualify for a tax deduction of up to HKD 8,000 per insured person each year.

How quickly does Zurich assess claims and notify customers of results?

Zurich states that claim pre-assessment takes one business day and claim-result notification takes five business days; for pre-treatment assessment, the completed form must be sent at least three business days before scheduled treatment or hospitalization.

How can I request a claim estimate before treatment or hospitalization?

To request an eligible-claim-amount assessment before treatment or hospitalization, the insured person and registered attending physician complete the pre-hospitalization assessment form and email it to Zurich; Zurich says it will provide the result within one business day of receiving it.

Can an existing Zurich scheme policyholder migrate without underwriting?

Existing policyholders of designated schemes may switch at renewal without underwriting only when selecting the recommended plan; adding optional benefits may require underwriting, and specific exclusions from the existing Zurich scheme carry over unchanged.

Where can I review plan premiums and policy terms?

Zurich provides plan-specific premium schedules, policy and benefit provisions, a product brochure, and claim forms for customers reviewing or applying for the plans.

Are published coverage examples guaranteed claim payments?

The published coverage estimates are for reference only, vary with case severity, proposed treatment and actual expenses, and are not actual claim results; benefits remain subject to the applicable item limits and policy terms.