VHIS Terms and Benefits

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Policy Owner CTF Life Planner Intermediaries CIRCLE Member

CTF Life helps its customers and their loved ones to navigate through life with personalised planning solutions and experiences, creating value beyond insurance and achieving sustainable growth. By providing our customers with four life pillars – GROWealth, EDUtainment, PowerUp and FAMmunity – we are giving access to new lifestyle experiences and helping them craft a holistic plan that enables them to live life to the fullest.

VHIS Terms and Benefits (incl. Standard Terms and Conditions, Policy Schedule, Benefit Schedule and Supplement to the VHIS Certified Plan)

Latest Version

Benefit Level	Ward Class / Plan Name	Policy currency	VHIS Certified Plan certification number	English Version
"WiseCare'' Medical Insurance Plan (Effective from 22 July 2024)
-	N/A	HKD	S00028-01-000-03	Download here
"BetterCare'' Medical Insurance Plan (Effective from 22 July 2024)
1	Ward	HKD	F00021-01-000-03	Download Here
2	Semi-private room		F00021-02-000-03	Download here
3	Standard Private room		F00021-03-000-03	Download here
1	Ward	USD	F00021-04-000-03	Download here
2	Semi-private room		F00021-05-000-03	Download here
3	Standard Private room		F00021-06-000-03	Download here
''TopCare'' Medical Insurance Plan (Effective from 22 July 2024)
1	Ward	HKD	F00037-01-000-03	Download here
2	Ward		F00037-02-000-03	Download here
3	Semi-private room		F00037-03-000-03	Download here
4	Standard Private room		F00037-04-000-03	Download here
1	Ward	USD	F00037-05-000-03	Download here
2	Ward		F00037-06-000-03	Download here
3	Semi-private room		F00037-07-000-03	Download here
4	Standard Private room		F00037-08-000-03	Download here
"FlexiCare" Medical Insurance Plan (Effective from 22 July 2024)
1	Standard Ward Room	HKD	F00064-01-000-02	Download here
2	Standard Semi-private room	HKD	F00064-02-000-02	Download here
1	Standard Ward Room	USD	F00064-03-000-02	Download here
2	Standard Semi-private room	USD	F00064-04-000-02	Download here
"ChampCare" Medical Insurance Plan (Effective from 10 January 2025) (including the Supplement on value-added tax & goods and services tax and inclusion of public & private hospitals in HK in the definition of Hospital)
1	Asia (HKD 36,000 Deductible + HKD 36,000 Benefit Contribution Amount)	HKD	F00077-01-000-01	Download here
2	Asia (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)		F00077-02-000-01	Download here
3	Asia (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)		F00077-03-000-01	Download here
4	Worldwide excluding USA (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)		F00077-04-000-01	Download here
5	Worldwide excluding USA (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)		F00077-05-000-01	Download here
6	Worldwide (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)		F00077-06-000-01	Download here
7	Worldwide (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)		F00077-07-000-01	Download here
1	Asia (USD 4,640 Deductible + USD 4,640 Benefit Contribution Amount)	USD	F00077-08-000-01	Download here
2	Asia (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)		F00077-09-000-01	Download here
3	Asia (USD 0 Deductible + USD 0 Benefit Contribution Amount)		F00077-10-000-01	Download here
4	Worldwide excluding USA (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)		F00077-11-000-01	Download here
5	Worldwide excluding USA (USD 0 Deductible + USD 0 Benefit Contribution Amount)		F00077-12-000-01	Download here
6	Worldwide (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)		F00077-13-000-01	Download here
7	Worldwide (USD 0 Deductible + USD 0 Benefit Contribution Amount)		F00077-14-000-01	Download here

Supplement on value-added tax & goods and services tax (Effective from 1 March 2022)

Benefit Level	Ward Class	Policy currency	VHIS Certified Plan certification number	English Version
"WiseCare'' Medical Insurance Plan
-	N/A	HKD	S00028-01-000-03	Download here
"BetterCare'' Medical Insurance Plan
1	Ward	HKD	F00021-01-000-03	Download here
2	Semi-private room		F00021-02-000-03
3	Standard Private room		F00021-03-000-03
1	Ward	USD	F00021-04-000-03
2	Semi-private room		F00021-05-000-03
3	Standard Private room		F00021-06-000-03
''TopCare'' Medical Insurance Plan
1	Ward	HKD	F00037-01-000-03	Download here
2	Ward		F00037-02-000-03
3	Semi-private room		F00037-03-000-03
4	Standard Private room		F00037-04-000-03
1	Ward	USD	F00037-05-000-03
2	Ward		F00037-06-000-03
3	Semi-private room		F00037-07-000-03
4	Standard Private room		F00037-08-000-03
"FlexiCare" Medical Insurance Plan
1	Standard Ward Room	HKD	F00064-01-000-02	Download here
2	Standard Semi-private room	HKD	F00064-02-000-02
1	Standard Ward Room	USD	F00064-03-000-02
2	Standard Semi-private room	USD	F00064-04-000-02

Supplement on inclusion of public & private hospitals in HK in the definition of Hospital (Effective from 14 January 2023)

Benefit Level	Ward Class	Policy currency	VHIS Certified Plan certification number	English Version
"WiseCare'' Medical Insurance Plan
-	N/A	HKD	S00028-01-000-03	Download here
"BetterCare'' Medical Insurance Plan
1	Ward	HKD	F00021-01-000-03	Download here
2	Semi-private room		F00021-02-000-03
3	Standard Private room		F00021-03-000-03
1	Ward	USD	F00021-04-000-03
2	Semi-private room		F00021-05-000-03
3	Standard Private room		F00021-06-000-03
''TopCare'' Medical Insurance Plan
1	Ward	HKD	F00037-01-000-03	Download here
2	Ward		F00037-02-000-03
3	Semi-private room		F00037-03-000-03
4	Standard Private room		F00037-04-000-03
1	Ward	USD	F00037-05-000-03
2	Ward		F00037-06-000-03
3	Semi-private room		F00037-07-000-03
4	Standard Private room		F00037-08-000-03
"FlexiCare" Medical Insurance Plan
1	Standard Ward Room	HKD	F00064-01-000-02	Download here
2	Standard Semi-private room	HKD	F00064-02-000-02
1	Standard Ward Room	USD	F00064-03-000-02
2	Standard Semi-private room	USD	F00064-04-000-02

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VHIS Terms and Benefits