This webpage does not contain the full terms of the policy and is for reference only. Please refer to the policy for the exact terms and conditions and the full list of policy exclusions.

What is Voluntary Health Insurance Scheme?

The Voluntary Health Insurance Scheme ("VHIS") is a policy initiative implemented by the Health Bureau to regulate certified individual indemnity hospital insurance products. VHIS aims to enhance the protection level of indemnity hospital insurance products, provide the public with an additional choice of using private healthcare services through indemnity hospital insurance and relieve the pressure on the public healthcare system in the long run.
As one of the participating insurance companies in VHIS, Blue Cross strives to safeguard your well-being by offering CareForYou Standard Plan for VHIS^, an indemnity hospital insurance plan that is certified by the Health Bureau (“Certified Plan”) under the VHIS framework with extended coverage including unknown pre-existing conditions, treatment of congenital conditions, prescribed non-surgical cancer treatments and diagnostic imaging tests. You can also apply for tax deduction for the premiums paid.

CareForYou Standard Plan for VHIS

CareForYou Standard Plan for VHIS provides standardised basic medical protection at an affordable premium. Coupled with Blue Cross’s renowned guarantee of quality services, you can rest assured that you will be well taken care of.

Key Features

Tax Deduction for Premiums Paid

You can enjoy tax deduction for the premiums paid for yourself and your dependants. The annual tax deduction ceiling is HK$8,000 per insured person for the premiums paid in relation to the Certified Plan. There is no cap on the number of dependants who are eligible for tax deduction. Dependants include your spouse/children, your or your spouse's parents/grandparents/brothers or sisters. For more details of the eligibility for tax deduction, please contact the Inland Revenue Department.

Guaranteed Renewal up to Age 100¹

Upon successful enrolment, the period of cover of your policy is 1 year and it is guaranteed that your policy will be renewable up to age 100. No additional premiums will be imposed individually upon policy renewal, regardless of changes to insured person's health status or claim history. Moreover, your policy will be automatically renewed² for another period of insurance, giving you non-stop protection throughout your life.

No Lifetime Benefit Limit

There is no lifetime benefit limit under the Certified Plan. Your benefits will continue until you reach age 100.

Coverage for Unknown Pre-existing Conditions and Congenital Conditions

The Certified Plan covers unknown pre-existing conditions and congenital conditions which have been diagnosed at or after age 8, both subject to partial coverage during a waiting period of 3 years upon policy inception with 0% coverage in the 1^st year, 25% coverage in the 2^nd year, 50% coverage in the 3^rd year and full coverage from the 4^th year onwards.

Prescribed Non-surgical Cancer Treatments³

Chronic disease treatment often imposes a heavy financial burden on patients and their families. The Certified Plan covers up to HK$80,000 per policy year for prescribed non-surgical cancer treatments, including radiotherapy, chemotherapy, targeted therapy, immunotherapy, and hormonal therapy. With financial stress relieved, you can focus more on recovery.

Prescribed Diagnostic Imaging Tests³

The Certified Plan covers the related expenses charged on CT scan, MRI scan, etc., which are not conducted in hospital.

Psychiatric Treatments

The Certified Plan covers the eligible expenses up to HK$30,000 per policy year for psychiatric treatments received during confinement in Hong Kong.

Pre- and Post-confinement/Day Case Procedure Outpatient Care

The Certified Plan covers 1 prior outpatient visit or emergency consultation per confinement/day case procedure, and 3 follow-up outpatient visits per confinement/day case procedure within 90 days after discharge from hospital or completion of day case procedure.

Value-added Services

Pre-procedure Claim Assessment

Simply provide the required information online 4-7 working days prior to receiving procedure or treatment. We will help you to estimate the eligible claim
amount⁴ based on your policy coverage, allowing you to plan your budget in advance and undergo treatment with peace of mind.

No Hospital Bills to Pay⁵

We will settle your hospital bill directly with no pre-payment for admission and no claims upon discharge.

24-hour Worldwide Emergency Aid⁶

We are here for you 24/7. Simply call our hotline when you need assistance in an emergency situation while travelling overseas, and our dedicated officers will provide you with all-round assistance such as hospital admission deposit guarantee service, local medical or legal referral service, etc.

Blue Cross Nursing Care Hotline

We understand you need professional advice on daily care, and we are here to provide you with an exclusive nursing care hotline to answer your enquiries about post-surgery care, daily care for elderly, maternity care, infant and child care.

"Blue Cross HK" Mobile App

As a Super Care member, you can enjoy one-stop digital medical insurance services including 3-step instant claim submission⁷, keeping track of claim status round-the-clock.

Plan Summary

Product Name	CareForYou Standard Plan for VHIS⁺
Purchase Objectives and Needs	Prepare for future healthcare needs: • To settle medical expenses; and • To compensate for the loss of income during hospital confinement
Product Type	Indemnity, but incorporated with non‑indemnity cash benefits
Annual Benefit Limit	HK$420,000
Lifetime Benefit Limit	No limit
Cover Area	Worldwide⁸
Choice of Ward Class	No restriction
Choice of Healthcare Service Providers	No restriction
Eligible Insured Person	• Policyholder; • Spouse/ child of policyholder; and/ or • Parent/ grandparent/ brother/ sister of policyholder or policyholder’s spouse
Enrolment Age	Aged from 15 days to 80 years
Policy Currency	HK$
Period of Cover	1 year
Policy Renewal	Annual renewal up to age 100 (guaranteed)¹
Payment Mode	Annual/Semi-annual/Quarterly/Monthly
Cooling-off Period	21 days^##
Certification Number of the Certified Plan	S00032-01-000-02

Note:

Migration to Blue Cross’s VHIS plan - if you are a policyholder of Blue Cross’s indemnity hospital insurance plan, you may choose to migrate your existing plan to our VHIS certified plans by providing the insured person’s latest health-related information to us for reassessment. For details on our VHIS certified plans and the migration arrangement, please contact your insurance intermediary or Customer Service Hotline.

Remarks

1.		Renewal is guaranteed up to age 100 of the insured person. Except those premium loading and/or case-based exclusion(s) agreed by the policyholder during application, Blue Cross will neither charge extra premium nor impose additional exclusions on an individual policy based on the insured person’s claim history or change in health status at the time of renewal. However, Blue Cross reserves the right to adjust the premium upon policy renewal due to other factors, for example, age-related adjustment, etc. Blue Cross has the right to revise the terms and benefits of the Certified Plan and/or adjust the Standard Premium on an overall portfolio basis upon policy renewal.
2.		Auto-renewal of policy is subject to the successful collection of premium by Blue Cross.
3.		Recommendation by the attending physician is required for tests or treatments performed during confinement, in day-case unit of a hospital, day-case procedure centre or clinic.
4.		Assessment of the estimated eligible claim amounts is for customers' reference only, the actual eligible claim amounts will be subject to the final claim decision. All benefits will be payable subject to the terms and conditions and the full list of policy exclusions.
5.		“No Hospital Bills to Pay” is one of the services provided by “Credit Facilities Services”. This service is not required to be certified by the Health Bureau and therefore does not form part of the Certified Plan. Please refer to the relevant terms and conditions for details. “No Hospital Bills to Pay” is only applicable to admission to private hospitals in Hong Kong. A Pre-procedure Claim Assessment Form is required to be completed and returned to Blue Cross for application and approval process 4-7 working days prior to admission. Blue Cross reserves the right to not issue the Letter of Guarantee (LOG) or issue the LOG with a particular limit. Blue Cross may withdraw or suspend any credit facilities service anytime by giving a written notice. All matters and disputes in relation to credit facilities services will be subject to the final decision of Blue Cross. The liability of Blue Cross under the policy is limited to indemnify the insured person for the eligible medical expenses payable in accordance with the Certified Plan. Any medical expenses that fall outside policy coverage shall be borne by the policyholder/the insured person. Blue Cross shall also recover from the policyholder/the insured person the medical expenses settled on behalf of the insured person which fall outside policy coverage (if any).
6.		This service is not required to be certified by the Health Bureau and therefore does not form part of the Certified Plan. Please refer to the relevant terms and conditions for details. Opt-out is available for this service by giving a written notice to Blue Cross and it does not affect the premium.
7.		Any claims must be submitted within 90 days after discharge from hospital or the date on which relevant medical services are performed and completed. Customer can submit a completed claim form and required full documentation to Blue Cross via Blue Cross website or “Blue Cross HK” mobile app. Claim form can be downloaded from Blue Cross website.
8.		Except for "Psychiatric Treatments".

For details of notes ^, + and ##, please refer to "Points to Note".

Notes:

1.		The above information does not contain the full terms of the policy and is for reference only. Both English and Chinese versions are official versions and neither one shall prevail over the other. Any inconsistency shall be interpreted in favour of the policyholder. Please refer to the policy for the exact terms and conditions and the full list of policy exclusions.
2.		The above product(s) is/are offered for sale in Hong Kong only and is/are underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong.

Apply Now