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Blue Cross (Asia-Pacific) Insurance Limited — same-insurer plan comparison

Blue Cross (Asia-Pacific) Insurance Limited · 16 plan series (28 variants, HKD/USD merged, sorted from basic to comprehensive)

Per-plan benefit prose falls back to Traditional Chinese where the source PDF was not translated.

16/16

CareForYou Standard Plan for VHIS

「只衛您」標準自願醫保計劃

Ver. Jan 1, 2026

Score59/100

StandardCat 1Ward: N/ARegion: Worldwide

VHIS Cert. No.: S00032-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: —

CareForYou Flexi Plan for VHIS

「只衛您」靈活自願醫保計劃

Renewal only

Ver. Jan 1, 2026

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00014-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$680,000
Per-illness limit: —
SMM Supplemental Major Medical: —

CareForYou Super Flexi Plan for VHIS - Plan C

「只衛您」超卓靈活自願醫保計劃 - 計劃C

Ver. Jan 1, 2026

Score66/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00043-03-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$540,000
Per-illness limit: —
SMM Supplemental Major Medical: —

CareForYou Super Flexi Plan for VHIS - Plan C with SMM (No Coinsurance)

「只衛您」超卓靈活自願醫保計劃 - 計劃 C+額外醫療保障（不設共同保險）

Ver. Jan 1, 2026

Score66/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00043-03-001-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$540,000
Per-illness limit: —
SMM Supplemental Major Medical: $300,000 · 0% co-insurance

CareForYou Super Flexi Plan for VHIS - Plan C with SMM (with 20% Coinsurance)

「只衛您」超卓靈活自願醫保計劃 - 計劃 C+額外醫療保障（設20%共同保險）

Ver. Jan 1, 2026

Score66/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00043-03-002-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$540,000
Per-illness limit: —
SMM Supplemental Major Medical: $300,000 · 0% co-insurance

CareForYou Super Flexi Plan for VHIS - Plan D with SMM (with 20% Coinsurance)

「只衛您」超卓靈活自願醫保計劃 - 計劃 D+額外醫療保障（設20%共同保險）

Ver. Jan 1, 2026

Score66/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00043-04-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: $120,000 · 20% co-insurance

CareForYou Super Flexi Plan for VHIS - Plan B

「只衛您」超卓靈活自願醫保計劃 - 計劃B

Ver. Jan 1, 2026

Score80/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00043-02-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$540,000
Per-illness limit: —
SMM Supplemental Major Medical: —

CareForYou Super Flexi Plan for VHIS - Plan B with SMM (No Coinsurance)

「只衛您」超卓靈活自願醫保計劃 - 計劃 B+額外醫療保障（不設共同保險）

Ver. Jan 1, 2026

Score80/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00043-02-001-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$540,000
Per-illness limit: —
SMM Supplemental Major Medical: $450,000 · 0% co-insurance

CareForYou Super Flexi Plan for VHIS - Plan B with SMM (with 20% Coinsurance)

「只衛您」超卓靈活自願醫保計劃 - 計劃 B+額外醫療保障（設20%共同保險）

Ver. Jan 1, 2026

Score80/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00043-02-002-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$540,000
Per-illness limit: —
SMM Supplemental Major Medical: $450,000 · 0% co-insurance

CareForYou Super Flexi Plan for VHIS - Plan A

「只衛您」超卓靈活自願醫保計劃 - 計劃A

Ver. Jan 1, 2026

Score93/100

FlexiCat 1Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00043-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$830,000
Per-illness limit: —
SMM Supplemental Major Medical: —

CareForYou Super Flexi Plan for VHIS - Plan A with SMM (No Coinsurance)

「只衛您」超卓靈活自願醫保計劃 - 計劃 A+額外醫療保障（不設共同保險）

Ver. Jan 1, 2026

Score93/100

FlexiCat 1Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00043-01-001-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$830,000
Per-illness limit: —
SMM Supplemental Major Medical: $600,000 · 0% co-insurance

CareForYou Super Flexi Plan for VHIS - Plan A with SMM (with 20% Coinsurance)

「只衛您」超卓靈活自願醫保計劃 - 計劃 A+額外醫療保障（設20%共同保險）

Ver. Jan 1, 2026

Score93/100

FlexiCat 1Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00043-01-002-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$830,000
Per-illness limit: —
SMM Supplemental Major Medical: $600,000 · 0% co-insurance

Blue Cross Dynasty VHIS Plan

藍十字尊悅自願醫保計劃 (亞洲及澳紐)

Ver. Jan 1, 2026

Score88/100

FlexiCat 3Ward: Semi-Private RoomRegion: Asia incl. AU/NZ

VHIS Cert. No.: F00059-01-000-01Benefits PDF Premiums PDF
F00059-02-000-01Benefits PDF Premiums PDF
F00059-03-000-01Benefits PDF Premiums PDF
F00059-04-000-01Benefits PDF Premiums PDF
Lifetime Limit: HK$48,000,000
Annual Limit: HK$10,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$20K$40K$80K

Blue Cross Dynasty VHIS Plan

藍十字尊悅自願醫保計劃 (全球)

Ver. Jan 1, 2026

Score88/100

FlexiCat 3Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00059-05-000-01Benefits PDF Premiums PDF
F00059-06-000-01Benefits PDF Premiums PDF
F00059-07-000-01Benefits PDF Premiums PDF
F00059-08-000-01Benefits PDF Premiums PDF
Lifetime Limit: HK$48,000,000
Annual Limit: HK$10,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$20K$40K$80K

Blue Cross Love Yourself VHIS Plan

藍十字「愛自己」自願醫保計劃 (亞洲及澳紐)

Ver. Jan 1, 2026

Score88/100

FlexiCat 3Ward: Semi-Private RoomRegion: Asia incl. AU/NZ

VHIS Cert. No.: F00073-01-000-01Benefits PDF Premiums PDF
F00073-02-000-01Benefits PDF Premiums PDF
F00073-03-000-01Benefits PDF Premiums PDF
F00073-04-000-01Benefits PDF Premiums PDF
Lifetime Limit: HK$40,000,000
Annual Limit: HK$6,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$20K$40K$80K

Blue Cross Love Yourself VHIS Plan

藍十字「愛自己」自願醫保計劃 (全球)

Ver. Jan 1, 2026

Score88/100

FlexiCat 3Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00073-05-000-01Benefits PDF Premiums PDF
F00073-06-000-01Benefits PDF Premiums PDF
F00073-07-000-01Benefits PDF Premiums PDF
F00073-08-000-01Benefits PDF Premiums PDF
Lifetime Limit: HK$40,000,000
Annual Limit: HK$6,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$20K$40K$80K

計劃名稱

CareForYou Standard Plan for VHIS

「只衛您」標準自願醫保計劃

Cat 1

Ver. Jan 1, 2026

VHIS Cert. No.

S00032-01-000-02Benefits PDFPremiums PDF

Coverage Score

59/100

Plan Type

Standard

Coverage region

Worldwide

Ward class

N/A (capped)

Lifetime benefit limit

—

Annual benefit limit

HK$420,000

Per-illness benefit limit

—

SMM Supplemental Major Medical

—

Deductible Options

—

Basic Benefits Basic

(a) Room and board

$750 per day, maximum 180 days per Policy Year

(b) Miscellaneous charges

$14,000 per Policy Year

(c) Attending doctor's visit fee

$750 per day, maximum 180 days per Policy Year

(d) Specialist's fee

$4,300 per Policy Year

(e) Intensive care

$3,500 per day, maximum 25 days per Policy Year

(f) Surgeon's fee

—

(f) Surgeon's fee — Minor

$5,000

(f) Surgeon's fee — Intermediate

$12,500

(f) Surgeon's fee — Major

$25,000

(f) Surgeon's fee — Complex

$50,000

(g) Anaesthetist's fee

35% of Surgeon's fee payable

(h) Operating theatre charges

35% of Surgeon's fee payable

(i) Prescribed Diagnostic Imaging Tests

$20,000 per Policy Year. Subject to 30% Coinsurance.

(j) Prescribed Non-surgical Cancer Treatments

$80,000 per Policy Year

(k) Pre- and post-Confinement / Day Case Procedure outpatient care

$580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

(l) Psychiatric treatments

$30,000 per Policy Year

Extra Benefits Extra

Outpatient kidney dialysis

—

Emergency outpatient treatment for Accident

—

Daily post-surgery home nursing benefit

—

Cancer / cardiac / stroke rehabilitation benefit

—

Chinese Medicine Practitioner outpatient care

—

Isolation ward charges benefit

—

Reconstructive surgery for specified conditions

—

Organ transplant donor benefit

—

Hospice and palliative care benefit

—

Complications of pregnancy

—

Outpatient sleep apnoea testing benefit

—

Hospital companion bed fee reimbursement

—

Cash Benefits Cash

Day surgery cash benefit

—

Daily hospital cash supplement

—

Second-claim cash allowance

—

Daily ICU confinement cash benefit (Hong Kong)

—

Event Benefits Event

Compassionate death benefit

$8,800

Disability subsidy benefit

—

計劃名稱

CareForYou Standard Plan for VHIS

「只衛您」標準自願醫保計劃

Cat 1

Ver. Jan 1, 2026

計劃 1 / 16

「只衛您」標準自願醫保計劃

CareForYou Standard Plan for VHIS

標準Cat 1Ver. Jan 1, 2026保障評分 59/100

VHIS 認可編號: S00032-01-000-02
計劃類別: 標準
保障地域範圍: 全球 Worldwide
病房級別: 不適用（受賠償上限規限）
每年賠償限額: HK$420,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $750 per day, maximum 180 days per Policy Year
(b) 雜項開支: $14,000 per Policy Year
(c) 主診醫生巡房費: $750 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $3,500 per day, maximum 25 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $5,000
(f) 外科醫生費 — 中型: $12,500
(f) 外科醫生費 — 大型: $25,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

門診洗腎: —
意外急症門診治療費用賠償: —
家中看護: —
復康保障: —
出院後 / 日間手術後的中醫門診治療: —
隔離病房費: —
指定重建手術保障: —
器官移植的捐贈者保障: —
善終服務: —
懷孕併發症: —
非住院睡眠窒息症測試: —
住院陪床: —

現金保障 Cash

日間手術現金惠益: —
額外現金補貼保障: —
第二索償現金津貼: —
於香港入住深切治療部的現金保障: —

事件保障 Event

恩恤身故賠償: $8,800
傷殘津貼保障: —

計劃 2 / 16

「只衛您」靈活自願醫保計劃

CareForYou Flexi Plan for VHIS

靈活Cat 1Ver. Jan 1, 2026保障評分 65/100

VHIS 認可編號: F00014-01-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: HK$680,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,500 per day, maximum 180 days per Policy Year
(b) 雜項開支: $22,500 per Policy Year
(c) 主診醫生巡房費: $1,500 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $6,800 per Policy Year
(e) 深切治療: $5,600 per day, maximum 25 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $7,000
(f) 外科醫生費 — 中型: $17,500
(f) 外科醫生費 — 大型: $35,000
(f) 外科醫生費 — 複雜: $80,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year (this benefit limit is shared between I. Basic Benefits item (j), II. Additional Benefits items (a) and (b))
(k) 入院前或出院後／日間手術前後的門診護理: $900, per visit, $4,800 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

門診洗腎: $80,000 per Policy Year (this benefit limit is shared between I. Basic Benefits item (j), II. Additional Benefits items (a) and (b))
意外急症門診治療費用賠償: $2,500 per Policy Year
家中看護: $680 per day, maximum 90 days per Policy Year
復康保障: —
出院後 / 日間手術後的中醫門診治療: —
隔離病房費: —
指定重建手術保障: —
器官移植的捐贈者保障: —
善終服務: —
懷孕併發症: —
非住院睡眠窒息症測試: —
住院陪床: $680 per day, maximum 90 days per Policy Year

現金保障 Cash

日間手術現金惠益: $800
額外現金補貼保障: $800
第二索償現金津貼: —
於香港入住深切治療部的現金保障: —

事件保障 Event

恩恤身故賠償: —
傷殘津貼保障: —

計劃 3 / 16

「只衛您」超卓靈活自願醫保計劃 - 計劃C

CareForYou Super Flexi Plan for VHIS - Plan C

靈活Cat 1Ver. Jan 1, 2026保障評分 66/100

VHIS 認可編號: F00043-03-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: HK$540,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: $22,000 per Policy Year
(c) 主診醫生巡房費: $1,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $6,300 per Policy Year
(e) 深切治療: $5,600 per day, maximum 30 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $7,000
(f) 外科醫生費 — 中型: $18,000
(f) 外科醫生費 — 大型: $35,000
(f) 外科醫生費 — 複雜: $90,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $4,800 per Policy Year • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • All relevant follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

門診洗腎: $80,000 per Policy Year
意外急症門診治療費用賠償: $7,000 per Policy Year
家中看護: $860 per day, maximum 90 days per Policy Year
復康保障: $80,000 per Policy Year
出院後 / 日間手術後的中醫門診治療: $150 per visit • 1 follow-up outpatient visit per day, up to 5 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure
隔離病房費: $1,000 per day, maximum 30 days per Policy Year
指定重建手術保障: —
器官移植的捐贈者保障: —
善終服務: —
懷孕併發症: —
非住院睡眠窒息症測試: —
住院陪床: $860 per day, maximum 90 days per Policy Year

現金保障 Cash

日間手術現金惠益: $1,000
額外現金補貼保障: $425
第二索償現金津貼: $500
於香港入住深切治療部的現金保障: —

事件保障 Event

恩恤身故賠償: —
傷殘津貼保障: —

計劃 4 / 16

「只衛您」超卓靈活自願醫保計劃 - 計劃 C+額外醫療保障（不設共同保險）

CareForYou Super Flexi Plan for VHIS - Plan C with SMM (No Coinsurance)

靈活Cat 1Ver. Jan 1, 2026保障評分 66/100

VHIS 認可編號: F00043-03-001-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: HK$540,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $300,000 · 0% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: $22,000 per Policy Year
(c) 主診醫生巡房費: $1,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $6,300 per Policy Year
(e) 深切治療: $5,600 per day, maximum 30 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $7,000
(f) 外科醫生費 — 中型: $18,000
(f) 外科醫生費 — 大型: $35,000
(f) 外科醫生費 — 複雜: $90,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $4,800 per Policy Year • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • All relevant follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

門診洗腎: $80,000 per Policy Year
意外急症門診治療費用賠償: $7,000 per Policy Year
家中看護: $860 per day, maximum 90 days per Policy Year
復康保障: $80,000 per Policy Year
出院後 / 日間手術後的中醫門診治療: $150 per visit, 1 follow-up outpatient visit per day, up to 5 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
隔離病房費: $1,000 per day, maximum 30 days per Policy Year
指定重建手術保障: —
器官移植的捐贈者保障: —
善終服務: —
懷孕併發症: —
非住院睡眠窒息症測試: —
住院陪床: $860 per day, maximum 90 days per Policy Year

現金保障 Cash

日間手術現金惠益: $1,000
額外現金補貼保障: $425
第二索償現金津貼: $500
於香港入住深切治療部的現金保障: —

事件保障 Event

恩恤身故賠償: —
傷殘津貼保障: —

計劃 5 / 16

「只衛您」超卓靈活自願醫保計劃 - 計劃 C+額外醫療保障（設20%共同保險）

CareForYou Super Flexi Plan for VHIS - Plan C with SMM (with 20% Coinsurance)

靈活Cat 1Ver. Jan 1, 2026保障評分 66/100

VHIS 認可編號: F00043-03-002-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: HK$540,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $300,000 · 0% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: $22,000 per Policy Year
(c) 主診醫生巡房費: $1,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $6,300 per Policy Year
(e) 深切治療: $5,600 per day, maximum 30 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $7,000
(f) 外科醫生費 — 中型: $18,000
(f) 外科醫生費 — 大型: $35,000
(f) 外科醫生費 — 複雜: $90,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $4,800 per Policy Year • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • All relevant follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

門診洗腎: $80,000 per Policy Year
意外急症門診治療費用賠償: $7,000 per Policy Year
家中看護: $860 per day, maximum 90 days per Policy Year
復康保障: $80,000 per Policy Year
出院後 / 日間手術後的中醫門診治療: $150 per visit, 1 follow-up outpatient visit per day, up to 5 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
隔離病房費: $1,000 per day, maximum 30 days per Policy Year
指定重建手術保障: —
器官移植的捐贈者保障: —
善終服務: —
懷孕併發症: —
非住院睡眠窒息症測試: —
住院陪床: $860 per day, maximum 90 days per Policy Year

現金保障 Cash

日間手術現金惠益: $1,000
額外現金補貼保障: $425
第二索償現金津貼: $500
於香港入住深切治療部的現金保障: —

事件保障 Event

恩恤身故賠償: —
傷殘津貼保障: —

計劃 6 / 16

「只衛您」超卓靈活自願醫保計劃 - 計劃 D+額外醫療保障（設20%共同保險）

CareForYou Super Flexi Plan for VHIS - Plan D with SMM (with 20% Coinsurance)

靈活Cat 1Ver. Jan 1, 2026保障評分 66/100

VHIS 認可編號: F00043-04-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: HK$420,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $120,000 · 20% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $800 per day, maximum 180 days per Policy Year
(b) 雜項開支: $14,000 per Policy Year
(c) 主診醫生巡房費: $750 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $3,500 per day, maximum 30 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $5,000
(f) 外科醫生費 — 中型: $12,500
(f) 外科醫生費 — 大型: $25,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $3,000 per Policy Year • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • All relevant follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

門診洗腎: $50,000 per Policy Year
意外急症門診治療費用賠償: $2,500 per Policy Year
家中看護: $800 per day, maximum 90 days per Policy Year
復康保障: $50,000 per Policy Year
出院後 / 日間手術後的中醫門診治療: $150 per visit, 1 follow-up outpatient visit per day, up to 5 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
隔離病房費: $1,000 per day, maximum 30 days per Policy Year
指定重建手術保障: —
器官移植的捐贈者保障: —
善終服務: —
懷孕併發症: —
非住院睡眠窒息症測試: —
住院陪床: $800 per day, maximum 90 days per Policy Year

現金保障 Cash

日間手術現金惠益: $1,000
額外現金補貼保障: $400
第二索償現金津貼: $500
於香港入住深切治療部的現金保障: —

事件保障 Event

恩恤身故賠償: —
傷殘津貼保障: —

計劃 7 / 16

「只衛您」超卓靈活自願醫保計劃 - 計劃B

CareForYou Super Flexi Plan for VHIS - Plan B

靈活Cat 1Ver. Jan 1, 2026保障評分 80/100

VHIS 認可編號: F00043-02-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$540,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $2,200 per day, maximum 180 days per Policy Year
(b) 雜項開支: $27,500 per Policy Year
(c) 主診醫生巡房費: $2,200 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $7,400 per Policy Year
(e) 深切治療: $6,600 per day, maximum 30 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $9,000
(f) 外科醫生費 — 中型: $22,000
(f) 外科醫生費 — 大型: $40,000
(f) 外科醫生費 — 複雜: $120,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $30,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $100,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $8,800 per Policy Year • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • All relevant follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $35,000 per Policy Year

額外保障 Extra

門診洗腎: $100,000 per Policy Year
意外急症門診治療費用賠償: $11,000 per Policy Year
家中看護: $2,040 per day, maximum 90 days per Policy Year
復康保障: $100,000 per Policy Year
出院後 / 日間手術後的中醫門診治療: $180 per visit, 1 follow-up outpatient visit per day, up to 5 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
隔離病房費: $1,000 per day, maximum 30 days per Policy Year
指定重建手術保障: —
器官移植的捐贈者保障: —
善終服務: —
懷孕併發症: —
非住院睡眠窒息症測試: —
住院陪床: $2,040 per day, maximum 90 days per Policy Year

現金保障 Cash

日間手術現金惠益: $1,000
額外現金補貼保障: $1,010
第二索償現金津貼: $600
於香港入住深切治療部的現金保障: —

事件保障 Event

恩恤身故賠償: —
傷殘津貼保障: —

計劃 8 / 16

「只衛您」超卓靈活自願醫保計劃 - 計劃 B+額外醫療保障（不設共同保險）

CareForYou Super Flexi Plan for VHIS - Plan B with SMM (No Coinsurance)

靈活Cat 1Ver. Jan 1, 2026保障評分 80/100

VHIS 認可編號: F00043-02-001-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$540,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $450,000 · 0% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $2,200 per day, maximum 180 days per Policy Year
(b) 雜項開支: $27,500 per Policy Year
(c) 主診醫生巡房費: $2,200 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $7,400 per Policy Year
(e) 深切治療: $6,600 per day, maximum 30 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $9,000
(f) 外科醫生費 — 中型: $22,000
(f) 外科醫生費 — 大型: $40,000
(f) 外科醫生費 — 複雜: $120,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $30,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $100,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $8,800 per Policy Year • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • All relevant follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $35,000 per Policy Year

額外保障 Extra

門診洗腎: $100,000 per Policy Year
意外急症門診治療費用賠償: $11,000 per Policy Year
家中看護: $2,040 per day, maximum 90 days per Policy Year
復康保障: $100,000 per Policy Year
出院後 / 日間手術後的中醫門診治療: $180 per visit, 1 follow-up outpatient visit per day, up to 5 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
隔離病房費: $1,000 per day, maximum 30 days per Policy Year
指定重建手術保障: —
器官移植的捐贈者保障: —
善終服務: —
懷孕併發症: —
非住院睡眠窒息症測試: —
住院陪床: $2,040 per day, maximum 90 days per Policy Year

現金保障 Cash

日間手術現金惠益: $1,000
額外現金補貼保障: $1,010
第二索償現金津貼: $600
於香港入住深切治療部的現金保障: —

事件保障 Event

恩恤身故賠償: —
傷殘津貼保障: —

計劃 9 / 16

「只衛您」超卓靈活自願醫保計劃 - 計劃 B+額外醫療保障（設20%共同保險）

CareForYou Super Flexi Plan for VHIS - Plan B with SMM (with 20% Coinsurance)

靈活Cat 1Ver. Jan 1, 2026保障評分 80/100

VHIS 認可編號: F00043-02-002-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$540,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $450,000 · 0% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $2,200 per day, maximum 180 days per Policy Year
(b) 雜項開支: $27,500 per Policy Year
(c) 主診醫生巡房費: $2,200 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $7,400 per Policy Year
(e) 深切治療: $6,600 per day, maximum 30 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $9,000
(f) 外科醫生費 — 中型: $22,000
(f) 外科醫生費 — 大型: $40,000
(f) 外科醫生費 — 複雜: $120,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $30,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $100,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $8,800 per Policy Year • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • All relevant follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $35,000 per Policy Year

額外保障 Extra

門診洗腎: $100,000 per Policy Year
意外急症門診治療費用賠償: $11,000 per Policy Year
家中看護: $2,040 per day, maximum 90 days per Policy Year
復康保障: $100,000 per Policy Year
出院後 / 日間手術後的中醫門診治療: $180 per visit, 1 follow-up outpatient visit per day, up to 5 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
隔離病房費: $1,000 per day, maximum 30 days per Policy Year
指定重建手術保障: —
器官移植的捐贈者保障: —
善終服務: —
懷孕併發症: —
非住院睡眠窒息症測試: —
住院陪床: $2,040 per day, maximum 90 days per Policy Year

現金保障 Cash

日間手術現金惠益: $1,000
額外現金補貼保障: $1,010
第二索償現金津貼: $600
於香港入住深切治療部的現金保障: —

事件保障 Event

恩恤身故賠償: —
傷殘津貼保障: —

計劃 10 / 16

「只衛您」超卓靈活自願醫保計劃 - 計劃A

CareForYou Super Flexi Plan for VHIS - Plan A

靈活Cat 1Ver. Jan 1, 2026保障評分 93/100

VHIS 認可編號: F00043-01-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 私家病房 Private
每年賠償限額: HK$830,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $4,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: $42,000 per Policy Year
(c) 主診醫生巡房費: $4,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $10,000 per Policy Year
(e) 深切治療: $10,000 per day, maximum 30 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $12,000
(f) 外科醫生費 — 中型: $30,000
(f) 外科醫生費 — 大型: $50,000
(f) 外科醫生費 — 複雜: $150,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $40,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $120,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $10,800 per Policy Year • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • All relevant follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $40,000 per Policy Year

額外保障 Extra

門診洗腎: $120,000 per Policy Year
意外急症門診治療費用賠償: $15,000 per Policy Year
家中看護: $3,400 per day, maximum 90 days per Policy Year
復康保障: $120,000 per Policy Year
出院後 / 日間手術後的中醫門診治療: $200 per visit, 1 follow-up outpatient visit per day, up to 5 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
隔離病房費: $1,000 per day, maximum 30 days per Policy Year
指定重建手術保障: —
器官移植的捐贈者保障: —
善終服務: —
懷孕併發症: —
非住院睡眠窒息症測試: —
住院陪床: $3,400 per day, maximum 90 days per Policy Year

現金保障 Cash

日間手術現金惠益: $1,000
額外現金補貼保障: $1,700
第二索償現金津貼: $1,200
於香港入住深切治療部的現金保障: —

事件保障 Event

恩恤身故賠償: —
傷殘津貼保障: —

計劃 11 / 16

「只衛您」超卓靈活自願醫保計劃 - 計劃 A+額外醫療保障（不設共同保險）

CareForYou Super Flexi Plan for VHIS - Plan A with SMM (No Coinsurance)

靈活Cat 1Ver. Jan 1, 2026保障評分 93/100

VHIS 認可編號: F00043-01-001-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 私家病房 Private
每年賠償限額: HK$830,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $600,000 · 0% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $4,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: $42,000 per Policy Year
(c) 主診醫生巡房費: $4,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $10,000 per Policy Year
(e) 深切治療: $10,000 per day, maximum 30 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $12,000
(f) 外科醫生費 — 中型: $30,000
(f) 外科醫生費 — 大型: $50,000
(f) 外科醫生費 — 複雜: $150,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $40,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $120,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $10,800 per Policy Year • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • All relevant follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $40,000 per Policy Year

額外保障 Extra

門診洗腎: $120,000 per Policy Year
意外急症門診治療費用賠償: $15,000 per Policy Year
家中看護: $3,400 per day, maximum 90 days per Policy Year
復康保障: $120,000 per Policy Year
出院後 / 日間手術後的中醫門診治療: $200 per visit, 1 follow-up outpatient visit per day, up to 5 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
隔離病房費: $1,000 per day, maximum 30 days per Policy Year
指定重建手術保障: —
器官移植的捐贈者保障: —
善終服務: —
懷孕併發症: —
非住院睡眠窒息症測試: —
住院陪床: $3,400 per day, maximum 90 days per Policy Year

現金保障 Cash

日間手術現金惠益: $1,000
額外現金補貼保障: $1,700
第二索償現金津貼: $1,200
於香港入住深切治療部的現金保障: —

事件保障 Event

恩恤身故賠償: —
傷殘津貼保障: —

計劃 12 / 16

「只衛您」超卓靈活自願醫保計劃 - 計劃 A+額外醫療保障（設20%共同保險）

CareForYou Super Flexi Plan for VHIS - Plan A with SMM (with 20% Coinsurance)

靈活Cat 1Ver. Jan 1, 2026保障評分 93/100

VHIS 認可編號: F00043-01-002-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 私家病房 Private
每年賠償限額: HK$830,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $600,000 · 0% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $4,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: $42,000 per Policy Year
(c) 主診醫生巡房費: $4,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $10,000 per Policy Year
(e) 深切治療: $10,000 per day, maximum 30 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $12,000
(f) 外科醫生費 — 中型: $30,000
(f) 外科醫生費 — 大型: $50,000
(f) 外科醫生費 — 複雜: $150,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $40,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $120,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $10,800 per Policy Year • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • All relevant follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $40,000 per Policy Year

額外保障 Extra

門診洗腎: $120,000 per Policy Year
意外急症門診治療費用賠償: $15,000 per Policy Year
家中看護: $3,400 per day, maximum 90 days per Policy Year
復康保障: $120,000 per Policy Year
出院後 / 日間手術後的中醫門診治療: $200 per visit, 1 follow-up outpatient visit per day, up to 5 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
隔離病房費: $1,000 per day, maximum 30 days per Policy Year
指定重建手術保障: —
器官移植的捐贈者保障: —
善終服務: —
懷孕併發症: —
非住院睡眠窒息症測試: —
住院陪床: $3,400 per day, maximum 90 days per Policy Year

現金保障 Cash

日間手術現金惠益: $1,000
額外現金補貼保障: $1,700
第二索償現金津貼: $1,200
於香港入住深切治療部的現金保障: —

事件保障 Event

恩恤身故賠償: —
傷殘津貼保障: —

計劃 13 / 16

藍十字尊悅自願醫保計劃 (亞洲及澳紐)

Blue Cross Dynasty VHIS Plan

靈活Cat 3Ver. Jan 1, 2026保障評分 88/100 (16–88)

VHIS 認可編號: F00059-01-000-01F00059-02-000-01F00059-03-000-01F00059-04-000-01
計劃類別: 靈活
保障地域範圍: 亞洲（包括澳紐） Asia incl. AU/NZ
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$10,000,000
終身賠償限額: HK$48,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $20K / $40K / $80K

基本保障 Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses • Up to 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure • All relevant follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $60,000

額外保障 Extra

門診洗腎: Full reimbursement
意外急症門診治療費用賠償: Full reimbursement
家中看護: Full reimbursement
復康保障: $1,800 - $80,000
出院後 / 日間手術後的中醫門診治療: $600
隔離病房費: —
指定重建手術保障: $100,000 - $180,000
器官移植的捐贈者保障: 30% of the total transplant cost (only for heart, kidney, liver, lung or bone marrow transplants performed in Hong Kong)
善終服務: $100,000
懷孕併發症: $180,000
非住院睡眠窒息症測試: $10,000
住院陪床: Full reimbursement

現金保障 Cash

日間手術現金惠益: $2,400
額外現金補貼保障: $1,200 - $1,600
第二索償現金津貼: —
於香港入住深切治療部的現金保障: —

事件保障 Event

恩恤身故賠償: —
傷殘津貼保障: $7,500

計劃 14 / 16

藍十字尊悅自願醫保計劃 (全球)

Blue Cross Dynasty VHIS Plan

靈活Cat 3Ver. Jan 1, 2026保障評分 88/100 (16–88)

VHIS 認可編號: F00059-05-000-01F00059-06-000-01F00059-07-000-01F00059-08-000-01
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$10,000,000
終身賠償限額: HK$48,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $20K / $40K / $80K

基本保障 Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses • Up to 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure • All relevant follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $60,000

額外保障 Extra

門診洗腎: Full reimbursement
意外急症門診治療費用賠償: Full reimbursement
家中看護: Full reimbursement
復康保障: $1,800 - $80,000
出院後 / 日間手術後的中醫門診治療: $600
隔離病房費: —
指定重建手術保障: $100,000 - $180,000
器官移植的捐贈者保障: 30% of the total transplant cost (only for heart, kidney, liver, lung or bone marrow transplants performed in Hong Kong)
善終服務: $100,000
懷孕併發症: $180,000
非住院睡眠窒息症測試: $10,000
住院陪床: Full reimbursement

現金保障 Cash

日間手術現金惠益: $2,400
額外現金補貼保障: $1,200 - $1,600
第二索償現金津貼: —
於香港入住深切治療部的現金保障: —

事件保障 Event

恩恤身故賠償: —
傷殘津貼保障: $7,500

計劃 15 / 16

藍十字「愛自己」自願醫保計劃 (亞洲及澳紐)

Blue Cross Love Yourself VHIS Plan

靈活Cat 3Ver. Jan 1, 2026保障評分 88/100 (16–88)

VHIS 認可編號: F00073-01-000-01F00073-02-000-01F00073-03-000-01F00073-04-000-01
計劃類別: 靈活
保障地域範圍: 亞洲（包括澳紐） Asia incl. AU/NZ
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$6,000,000
終身賠償限額: HK$40,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $20K / $40K / $80K

基本保障 Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses • Up to 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure • All relevant follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $40,000

額外保障 Extra

門診洗腎: Full reimbursement
意外急症門診治療費用賠償: Full reimbursement
家中看護: Full reimbursement
復康保障: $1,800
出院後 / 日間手術後的中醫門診治療: $400
隔離病房費: —
指定重建手術保障: $50,000 - $160,000
器官移植的捐贈者保障: 30% of the total transplant cost (only for heart, kidney, liver, lung or bone marrow transplants performed in Hong Kong)
善終服務: $100,000
懷孕併發症: $100,000
非住院睡眠窒息症測試: —
住院陪床: Full reimbursement

現金保障 Cash

日間手術現金惠益: $1,200
額外現金補貼保障: $800
第二索償現金津貼: —
於香港入住深切治療部的現金保障: $1,000

事件保障 Event

恩恤身故賠償: —
傷殘津貼保障: —

計劃 16 / 16

藍十字「愛自己」自願醫保計劃 (全球)

Blue Cross Love Yourself VHIS Plan

靈活Cat 3Ver. Jan 1, 2026保障評分 88/100 (16–88)

VHIS 認可編號: F00073-05-000-01F00073-06-000-01F00073-07-000-01F00073-08-000-01
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$6,000,000
終身賠償限額: HK$40,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $20K / $40K / $80K

基本保障 Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses • Up to 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure • All relevant follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $40,000

額外保障 Extra

門診洗腎: Full reimbursement
意外急症門診治療費用賠償: Full reimbursement
家中看護: Full reimbursement
復康保障: $1,800
出院後 / 日間手術後的中醫門診治療: $400
隔離病房費: —
指定重建手術保障: $50,000 - $160,000
器官移植的捐贈者保障: 30% of the total transplant cost (only for heart, kidney, liver, lung or bone marrow transplants performed in Hong Kong)
善終服務: $100,000
懷孕併發症: $100,000
非住院睡眠窒息症測試: —
住院陪床: Full reimbursement

現金保障 Cash

日間手術現金惠益: $1,200
額外現金補貼保障: $800
第二索償現金津貼: —
於香港入住深切治療部的現金保障: $1,000

事件保障 Event

恩恤身故賠償: —
傷殘津貼保障: —