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Blue Cross Dynasty
VHIS Plan

  Blue Cross (Asia-Pacific) Insurance Limited
  (VHIS Provider Registration Number: 00032)
  (Registration Effective Date: 28 February 2019)

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Premium discount up to 50% off 1st year 20% premium discount 2nd year 15% premium discount* 3rd year 15% premium discount* *Subject to no claim in previous policy year(s) Click here for terms and conditions.

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The more the better? The “Just Right” VHIS plan is the Perfect Match for you!
Click video for more details!

(October 2021)

The more the better? The “Just Right” VHIS plan is the Perfect Match for you! Click video for more details!

(October 2021)

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.

Family is an epitome of dynasty, with love and dedication as its solid foundation. Being foresighted and making wise choices will surely furnish our little princes and princesses with strong backing, which allows them to live their lives to the fullest. To ensure total peace of mind for you and your family, we are pleased to introduce Blue Cross Dynasty VHIS Plan¹, a top-notch medical insurance plan to answer your practical medical needs.

+ Key Features

Blue Cross Dynasty VHIS Plan, certified by the Health Bureau as a voluntary health insurance scheme (the “VHIS”) flexi plan (the “Certified Plan”), in essence is a plan that provides superior protection with transparency. It guarantees lifetime renewal² with an annual benefit limit of HK$10,000,000 and a lifetime benefit limit of HK$48,000,000. It is a reliable strong financial insurance that empowers you to savour your life.

8 Plan Options

The Certified Plan offers 2 plan levels (i.e. “Worldwide”^3,4,5 and “Asia & Australia-New Zealand” ^5,6,7,8) and 4 annual deductibles⁹ (i.e. HK$0, HK$20,000, HK$40,000 and HK$80,000) to choose from. You can also reduce or remove¹⁰ the annual deductible selected when there are changes to your own needs. In other words, you can design a cost-effective yet flexible medical protection plan tailor-made for yourself.

Full Cover¹¹ for 17 Key Benefit Items

Rest assured your major medical expenses will be fully covered, before, during and after your hospital stay, from diagnosis, surgery to recovery, e.g. room and board, surgeon’s fee, specialist’s fee¹², intensive care, prescribed diagnostic imaging tests^12,13, pre- and post-confinement/ day case procedure¹⁴ outpatient care¹², post-confinement home nursing^12,15, emergency outpatient treatment¹⁵, emergency outpatient dental treatment¹⁵, etc.

Full Cover for Unknown Pre-existing and Congenital Conditions

The Certified Plan also fully covers unknown pre-existing conditions and congenital conditions which have been diagnosed at or after the age of 8, with coverage starting from day 31 on policy inception.

Special Care for Cancer, Kidney Disease, Stroke and Sleep Apnea Patients

Rehabilitation/ recovery from chronic illnesses such as cancer, kidney disease and stroke can take a considerable long period, which will impose heavy financial burden on patients due to the high cost of advanced medical treatments. The Certified Plan offers full cover for prescribed non-surgical cancer treatments¹⁶ and outpatient kidney dialysis^12,15. It also covers stroke rehabilitation treatment (including home facility enhancement benefit^12,15), and sleep apnea treatment^12,15 (a market-first cover among VHIS plans).

+ Superb Value-added Services

+ Discount Offer

+ Tax Deduction²⁵

+ Plan Summary

Product Name

Blue Cross Dynasty VHIS Plan¹

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$10,000,000

Lifetime Benefit Limit

HK$48,000,000

Annual Deductible⁹

HK$0/ HK$20,000/ HK$40,000/ HK$80,000

Plan Level (Cover Area)

Worldwide^3,4,5/ Asia & Australia-New Zealand^5,6,7,8

Designated Ward Class²⁷

Semi-private Room	For confinement in Hong Kong, Macau or Mainland China
Private Room	For confinement outside Hong Kong, Macau or Mainland China

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 12 days to 80 years

Policy Currency

HK$

Period of Cover

1 year

Policy Renewal

Annual renewal for life (guaranteed)²

Payment Mode

Annual/ Semi-annual/ Quarterly/ Monthly

Cooling-off Period

21 days²⁸

Certification Number of the Certified Plan

Annual Deductible Options	Plan Level
Annual Deductible Options	Worldwide	Asia & Australia-New Zealand
HK$0	F00059-05-000-01	F00059-01-000-01
HK$20,000	F00059-06-000-01	F00059-02-000-01
HK$40,000	F00059-07-000-01	F00059-03-000-01
HK$80,000	F00059-08-000-01	F00059-04-000-01

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

Multiple policyholders are not allowed under the same policy of Blue Cross Dynasty VHIS Plan and each policy can only cover one insured person.
The application for Blue Cross Dynasty VHIS Plan is subject to underwriting. Health and non-health factors including occupation⁺⁺ and place of usual residence** may affect the underwriting decision. Blue Cross may (i) impose case-based exclusion(s) and/ or premium loading when accepting an application, (ii) decline an application or (iii) postpone an application. Blue Cross has the right to re-underwrite the terms and benefits at the time of renewal of policy if the policyholder/ insured person requests to:

(a)		Subscribe additional benefits;
(b)		Switch to another insurance plan which provides upgrade or addition of benefits;
(c)		Remove the case-based exclusion(s) or reduce premium loading which was/ were previously applied;
(d)		Change the occupation⁺⁺; or
(e)		Change of place of residence^##.

⁺⁺		For insured person who engages in high-risk occupation including (i) manual works at construction site; (ii) work at a height (exceeding 10 meters above ground or floor level); (iii) professional boxer; (iv) jockey; or (v) stuntman, Blue Cross reserves the right to decline the application.
**		Should Blue Cross accept the application, a fixed geographical loading of 15% shall be applied if the insured person usually resides in Russia or Turkey for 6 months or more in average within a 12-month period. For insured person with place of usual residence in some specific countries or regions, Blue Cross also reserves a right to decline the application.
^##		“Place of residence” shall mean the jurisdiction(s) in which a person legally has the right of abode. For the avoidance of doubt, a jurisdiction in which a person legally has the right or permission of access only but without the right of abode, such as for the purpose of study, work or vacation, will not be treated as a place of residence.

Renewal is guaranteed up to lifetime 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 or subscription to additional benefits, 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.
Auto-renewal of policy is subject to the successful collection of premium by Blue Cross.

There is no geographic limitation for “Worldwide”, except for Psychiatric Treatments and Donor’s Benefit (applicable in Hong Kong) which apply to Hong Kong only.

For a “Worldwide” plan, the benefits payable for non-emergency treatments received in Canada or the United Kingdom will be reduced to 60% when the insured person of the same policy has stayed in that location for an aggregate of 6 months or more in the past 12 consecutive months immediately before his/ her receiving such non-emergency treatment. Such reduction applies to benefit items (a) to (k) of I. Basic Benefits, benefit items (a) to (c), (f) to (k), and (m) to (o) of II. Enhanced Benefits as specified in the Benefit Schedule.

Insured persons who have resided or have stayed/ studied in the United States or Europe (except the United Kingdom) for 6 months or more in the past 12 months, or insured persons planning to reside, stay or study in the United States or Europe (except the United Kingdom) in the next 12 months, are only eligible to select “Asia & Australia-New Zealand” as the plan level.
Upon policy renewal, Blue Cross reserves the right to change the plan level from “Worldwide” to “Asia & Australia-New Zealand” if the place of residence of the insured person has changed to the United States or Europe (except the United Kingdom).

“Asia & Australia-New Zealand” shall mean Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Mainland China, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam.

All benefit items listed in the Benefit Schedule are applicable to the cover area of “Asia & Australia-New Zealand”, except for Psychiatric Treatments and Donor’s Benefit (applicable in Hong Kong) which apply to Hong Kong only.

For emergency treatments received outside “Asia & Australia-New Zealand”, Blue Cross will reimburse the eligible expenses and/ or other expenses incurred in accordance with the Terms and Benefits for the plan level “Asia & Australia-New Zealand”.
For non-emergency treatments received outside “Asia & Australia-New Zealand”, Blue Cross will reimburse the eligible expenses and/ or other expenses incurred in accordance with the Benefit Schedule attached to the Terms and Benefits of the VHIS Standard Plan published by the government of Hong Kong.

Deductible applies to all the benefit items under I. Basic Benefits and II. Enhanced Benefits (except Disability Subsidy Benefit under Stroke Rehabilitation Treatment and Sleep Apnea Treatment) as specified in the Benefit Schedule. Subject to the maximum benefit limit for the corresponding benefit items listed in the Benefit Schedule, if the customer has chosen a deductible other than HK$0, Blue Cross will reimburse the eligible expenses incurred in excess of the deductible which is borne by the customer; while 100% of the eligible expenses incurred will be paid by Blue Cross if HK$0 deductible applies.

10.

Policyholder can exercise the right to reduce or remove the deductible selected when the insured person reaches age 50, 55, 60, 65, 70, 75, 80 or 85 without re-underwriting. This right can only be exercised once during the lifetime of the insured person.

11.

Full cover shall mean no itemised benefit sublimit, and the actual amount of eligible expenses and other expenses payable in accordance with the Terms and Benefits, which shall be subject to the annual benefit limit and lifetime benefit limit. Please refer to the Benefit Schedule for items eligible for full cover.

12.

Blue Cross 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.

13.

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.

14.

“Day Case Procedure” shall mean 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.

15.

Please refer to the Supplement for the terms and conditions applicable to this benefit item.

16.

Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.

17.

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.

18.

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.

19.

“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-assessment Service 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).

20.

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.

21.

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.

22.

Premium discount will apply on the aggregate premium payable for the Certified Plan as soon as next year’s policy renewal, if no claim has been made during the respective no claim periods listed in the table.
In the event any benefit in respect of any previous policy years is paid by Blue Cross after a no claim discount has been applied, the actual eligible no claim discount shall be recalculated for all policy year(s) subsequent to such benefit being paid. The policyholder shall repay to Blue Cross the difference between the no claim discount already applied by Blue Cross and the recalculated actual eligible no claim discount upon Blue Cross’s reasonable demand. Any claim made under Emergency Outpatient Treatment, Emergency Outpatient Dental Treatment, Outpatient Surgery Cash Allowance or Cash Benefit for Top-up Subsidy (if applicable) will not affect the insured person’s eligibility for the No Claim Discount.

23.

For the purpose of family discount, eligible family members refer to you as the policyholder, your spouse/ child, your or your spouse’s parent/ grandparent/ brother/ sister.
In counting the required number of eligible family members specified in the table, each eligible family member shall only be considered as one eligible family member regardless of the number of policies of the Certified Plan issued for that eligible family member.

24.

In the event that the required number of eligible family members as at the policy effective date or renewal date cannot be fulfilled after a family discount has been applied, the family discount shall be recalculated for the relevant policy year(s). The policyholder shall repay to Blue Cross the difference between the family discount already applied by Blue Cross and the recalculated actual eligible family discount upon Blue Cross’s reasonable demand.

25.

Eligibility for tax deduction is as follows:

(a)		The applicant must be a taxpayer;
(b)		The taxpayer who or whose spouse is the policyholder of a Certified Plan; and
(c)		The insured person^▽ must be a Hong Kong resident.

Non-Hong Kong residents^△ can enrol in a Certified Plan although they are not eligible for tax deduction. For more details of the eligibility for tax deduction, please contact the Inland Revenue Department.

^▽		Insured person includes the taxpayer himself/ herself or his/ her dependants
△		Except for specific countries or regions

26.

Dependants include your spouse/ child, your or your spouse’s parent/ grandparent/ brother/ sister.

27.

If the insured person is voluntarily confined to a level of hospital facilities and services higher than the designated ward class as specified in the Benefit Schedule, the eligible claims made will be calculated based on below scale of reimbursement:

Designated Ward Class	Actual Confined Ward Class	Reimbursement Percentage of All Eligible Claims
Semi-private Room	Private room	50%
Semi-private Room	Any ward class above private room	25%
Private Room	Any ward class above private room	25%

The reduced benefits payable after applying this scale of reimbursement shall not be less than the benefits payable in accordance with the Benefit Schedule attached to the Terms and Benefits of the VHIS Standard Plan published by the government of Hong Kong.

This scale of reimbursement shall not be applied if the insured person is confined in a room at a higher level ward class resulting from:
(a)		unavailability of a designated or lower ward class due to room shortage at the hospital for emergency treatment;
(b)		confinement in isolation that requires a specific ward class; or
(c)		any other reason not involving the policyholder and/ or insured person’s own individual preference for the confined ward class.

28.

The policyholder may exercise the right to cancel the policy with full refund of paid premiums and levy during the cooling-off period. The cancellation right is subject to the following conditions:

(a)		The request to cancel must be signed by the policyholder and received directly by Blue Cross within the cooling-off period. The cooling-off period is the period of 21 days immediately following the day of the delivery to the policyholder or the nominated representative of the policyholder, of the policy or the cooling-off notice, whichever is the earlier. For the avoidance of doubt, the day of delivery of the policy or the cooling-off notice is not included for the calculation of the 21 day period. However, if the last day of the 21 day period is not a working day, the period shall include the next working day; and
(b)		No refund can be made if a claim payment has been made.

The policyholder can request to cancel the policy after the cooling-off period by giving 30 days' prior written notice to Blue Cross, provided that there has been no benefit payment during the relevant policy year.
In addition, the policy shall be automatically terminated on the earliest of the following: (a) where such policy is terminated due to non-payment of premiums after the 30-day grace period; (b) the day immediately following the death of the insured person; or (c) Blue Cross has ceased to have the requisite authorisation under the Insurance Ordinance to write or continue to write such policy.

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.

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“Blue Cross Dynasty VHIS Plan” related documents download

No Claim Period Immediately Preceding Renewal	Discount Rate
1 year	5%
2 consecutive years	5%
3 consecutive years	10%
4 consecutive years	10%
5 consecutive years or more	15%

Number of Eligible Family Members²⁴ Insured on the Policy Effective Date/ Renewal Date (as applicable)	2 members	3 members or more
Family Discount on Premium of each Certified Plan policy	10%	15%

Insured Person	Annual Premium for Certified Plan Policy (HK$)	Tax-deductible Amount (HK$)	Amount of Tax Saved (Assuming Tax Rate = 15%) (HK$)
You	10,000	8,000	1,200
Spouse	8,000	8,000	1,200
Father	30,000	8,000	1,200
Mother	20,000	8,000	1,200
Son	4,000	4,000	600
Daughter	5,000	5,000	750
Total	77,000	41,000	6,150

Latest News

Blue Cross Dynasty
VHIS Plan

  Blue Cross (Asia-Pacific) Insurance Limited
  (VHIS Provider Registration Number: 00032)
  (Registration Effective Date: 28 February 2019)

Latest Offer

備註

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	(852) 2839 6333(852) 2839 6333
	cs@bluecross.com.hk
	(852) 2263 7517
	Monday to Friday 9:00am - 5:30pm
Closed on Saturday, Sunday and Public Holidays
	54/F Hopewell Centre, 183 Queen's Road East, Wanchai, Hong Kong

Latest News

Blue Cross DynastyVHIS Plan Blue Cross (Asia-Pacific) Insurance Limited (VHIS Provider Registration Number: 00032) (Registration Effective Date: 28 February 2019)

Latest Offer

備註

Blue Cross Dynasty
VHIS Plan

Blue Cross (Asia-Pacific) Insurance Limited
(VHIS Provider Registration Number: 00032)
(Registration Effective Date: 28 February 2019)