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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.","path":"/entities/zurich-insurance-company-ltd-383dd999#company-fact-fact-b0bc8798a19a0189","questionPaths":["/entities/zurich-insurance-company-ltd-383dd999#company-answer-answer-830933d4b9a9b740"]},{"id":"fact-013360048c0b01b9","label":"Unknown pre-existing conditions","value":"The series covers unknown conditions that existed before policy issuance, subject to the applicable policy terms and exclusions.","path":"/entities/zurich-insurance-company-ltd-383dd999#company-fact-fact-013360048c0b01b9","questionPaths":["/entities/zurich-insurance-company-ltd-383dd999#company-answer-answer-7f2c24a22a847751"]},{"id":"fact-9f06d22fd72596de","label":"Tax deduction","value":"Eligible Zurich VHIS Series plans may qualify for a tax deduction of up to HKD 8,000 per insured person each year.","path":"/entities/zurich-insurance-company-ltd-383dd999#company-fact-fact-9f06d22fd72596de","questionPaths":["/entities/zurich-insurance-company-ltd-383dd999#company-answer-answer-e99aa4958e3ce209"]},{"id":"fact-7b126e50578fa506","label":"Claim service timeframes","value":"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.","path":"/entities/zurich-insurance-company-ltd-383dd999#company-fact-fact-7b126e50578fa506","questionPaths":["/entities/zurich-insurance-company-ltd-383dd999#company-answer-answer-c9f9c7ff1accf6a1"]},{"id":"fact-a1a5e1d796ca984d","label":"Pre-hospitalization claim assessment","value":"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.","path":"/entities/zurich-insurance-company-ltd-383dd999#company-fact-fact-a1a5e1d796ca984d","questionPaths":["/entities/zurich-insurance-company-ltd-383dd999#company-answer-answer-9e994dded55dbd23"]},{"id":"fact-fcd12f3c9886bb70","label":"Premium and coverage documents","value":"Zurich provides plan-specific premium schedules, policy and benefit provisions, a product brochure, and claim forms for customers reviewing or applying for the plans.","path":"/entities/zurich-insurance-company-ltd-383dd999#company-fact-fact-fcd12f3c9886bb70","questionPaths":["/entities/zurich-insurance-company-ltd-383dd999#company-answer-answer-8725e772614b92f3"]},{"id":"fact-27b3bf18ab00343e","label":"Estimated coverage figures","value":"The published coverage estimates are for reference only, vary with case severity, proposed treatment and actual expenses, and are not actual claim results; 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