+ Key Features

Tax Deduction for Premiums Paid¹
• 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 Annual Renewal with Lifetime Coverage^3,4
• Upon successful enrolment, the period of insurance of your policy is 1 year. Annual renewal of your policy is guaranteed with lifetime coverage, giving you non-stop protection throughout your life. Moreover, no additional premiums will be imposed individually upon policy renewal, regardless of changes to insured person’s health status or claim history.
No Lifetime Benefit Limit
• There is no lifetime benefit limit under the Certified Plan. Your benefits will continue for life with the maximum annual benefit limit as high as HK$830,000.
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 Treatments⁵
• Chronic disease treatment often imposes a heavy financial burden on patients and their families. The Certified Plan covers up to HK$120,000 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 Tests⁵
• The Certified Plan covers the related expenses charged on prescribed diagnostic imaging tests (including CT scan, MRI scan, etc.), regardless of whether they are conducted during confinement or not.
Psychiatric Treatments
• The Certified Plan covers the eligible expenses up to HK$40,000 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 2 prior outpatient visits or emergency consultations per confinement/day case procedure, all related follow-up outpatient visits per confinement/day case procedure within 90 days after discharge from hospital or completion of day case procedure.
No Claim Discount⁶
• We know you try hard to keep yourself in great shape. To cheer you up, we offer you the No Claim Discount. You can enjoy premium discount on the aggregate premium payable for the Certified Plan (exclude premiums paid on Optional Outpatient Benefits) as soon as next year’s policy renewal, if no claim under the Certified Plan has been made during the respective no claim periods, as specified below.

No Claim Period Immediately Preceding Policy Renewal	1 Year	2 consecutive years	3 consecutive years	4 consecutive years	5 consecutive years or more
Premium Discount	5%	5%	10%	10%	15%

Family Discount⁷
• If the number of eligible family members⁸ insured on the policy effective date/renewal date (as applicable) reaches 2 or more, each Certified Plan policy can enjoy family discount specified below.

Number of Eligible Family Members Insured	2 members or more
Family Discount	10%

+ Value-added Services

Free Annual Health Checkup⁹
• We care a lot about your health. With the free annual checkup, you can better understand your health conditions. The annual checkup includes Basic Health Checkup Profile, Spinal Health Assessment, Foot Orthotic Services and Vision Examination according to attained age.

Attained Age of the Insured Person	Basic Health Checkup Profile (B1)	Vision Examination (VS)
0 - 18	✓	✓
All ages	✓

Mainland Healthcare Network¹⁰
• We have extended our healthcare network to designated mainland network hospitals, covering day-case and hospitalisation procedure, and cancer care. Simply call the dedicated hotline to make your appointments, and the designated mainland network hospitals will assist with follow-up arrangements like treatment preparation, priority check-in and more. These hospitals can also provide administrative support in your application for “Pre-assessment Service” and “Cashless Service”.
Pre-assessment Service
• Simply provide the required information online at least 7 working days before receiving the medical procedure or treatment. We will provide an estimate of the eligible claim reimbursement amount¹¹ based on your policy coverage, allowing you to plan your budget in advance and undergo the medical procedure or treatment with peace of mind.
Cashless Service¹²
• If necessary, you can apply for our “Cashless Service” before admission to our designated hospitals in Hong Kong, Macau and the Mainland. If the application is approved, we will settle your hospital bill directly with no prepayment upon admission and no claims upon discharge.
24-Hour Worldwide Emergency Aid Service⁹
• Our “24-Hour Worldwide Emergency Aid Service” operates round-the-clock. Whenever and wherever you need medical and emergency assistance and/or services while abroad, our designated service provider will provide a hotline for services including but not limited to medical evacuation, repatriation after treatment, hospital admission deposit guarantee and legal assistance service, providing you with peace of mind.
“Blue Cross HK” Mobile App
• Download the “Blue Cross HK” mobile app and log in to BlueCross+ to enjoy one-stop digital medical insurance services. You can easily search for network doctors nearby, and enjoy speedy registration at designated network clinics with electronic medical card. You can also submit claims, keep track of claim status and claim history, and check policy details round-the-clock.

Type of the Certified Plan	Flexi Plan
Name of the Certified Plan	CareForYou Super Flexi Plan for VHIS
Product Nature	Medical protection insurance plan (Reimbursement)
Annual Benefit Limit	Maximum HK$830,000
Lifetime Benefit Limit	No limit
Territorial Scope of Cover	Worldwide13
Choice of Ward Class	No restriction (except for Supplementary Medical Benefit (if applicable))
Choice of Healthcare Service Providers	No restriction
Eligibility of the Insured Person	• Policyholder; • Spouse/ child of policyholder; and/ or • Parent/ grandparent/ brother/ sister of policyholder or policyholder’s spouse
Enrolment Age	Aged from 15 days to 80 years
Policy Currency	HK$
Period of Insurance	1 year
Policy Renewal	Guaranteed annual renewal with lifetime coverage3,4
Payment Mode	Annual/Semi-annual/Quarterly/Monthly
Cooling-off Period	21 days
Certification Number of the Certified Plan	Without Supplementary Medical Benefit With Supplementary Medical Benefit Coinsurance N/A 20% Plan A F00043-01-000-02 F00043-01-002-02 Plan B F00043-02-000-02 F00043-02-002-02 Plan C F00043-03-000-02 F00043-03-002-02 Plan D N/A F00043-04-000-02

Note:

Migration to Blue Cross’ VHIS plan - if you are a policyholder of Blue Cross’ 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.		Exclude premiums paid on Optional Outpatient Benefits.
2.		Optional Supplementary Medical Benefit is an optional benefit available for Plan A, B or C only; whereas Optional Outpatient Benefits is an optional benefit available for all plans. For details, please refer to respective benefit schedules and premium tables.
3.		Annual renewal is guaranteed with lifetime coverage for 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.
4.		Auto-renewal of policy is subject to the successful collection of premium by Blue Cross.
5.		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.
6.		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’ reasonable demand. Any claim made under Emergency Outpatient 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.
7.		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) based on the same requirement specified. 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’ reasonable demand.
8.		For the purpose of family discount, “eligible family members” refer to you as the policyholder, your spouse/ child, your or your spouse’s parents/ grandparents/ brothers/ sisters. 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.
9.		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.
10.		For details, please log in to BlueCross+ via Blue Cross website or “Blue Cross HK” mobile app.
11.		Assessment of the estimated eligible claim reimbursement amounts is for reference only. The actual eligible claim amount will be subject to the final claim decision of Blue Cross. All benefits will be payable subject to the terms and conditions of the policy and the full list of policy exclusions.​
12.		“Cashless Service” is one of the Credit Facilities Services provided by Blue Cross. 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. For admission to designated Hong Kong and Macau network hospitals, the insured person is required to complete and submit to Blue Cross the Pre-assessment Form for application and approval at least 7 working days prior to admission. For admission to designated mainland network hospitals, the designated mainland network hospitals can provide administrative support to the insured person in applying for the “Cashless Service”. 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 the Credit Facilities Services anytime without prior written notice. All matters and disputes in relation to the 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). For the list of our designated Hong Kong, Macau and mainland network hospitals, please log in to BlueCross+ via Blue Cross website or “Blue Cross HK” mobile app.
13.		Except for “Psychiatric Treatments”.

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