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HSBC Life (International) Limited — same-insurer plan comparison

HSBC Life (International) Limited · 13 plan series (43 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.

13/13

HSBC Voluntary Health Insurance Standard Plan

滙豐自願醫保標準計劃

Ver. Mar 29, 2021

Score59/100

StandardCat 1Ward: N/ARegion: Worldwide

VHIS Cert. No.: S00042-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: —

HSBC Voluntary Health Insurance One Plan - One Plan

滙豐自願醫保進階計劃 - 進階計劃

Ver. Jun 23, 2025

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00079-01-000-01Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: —

HSBC Voluntary Health Insurance One Plan - One Plan with SMM

滙豐自願醫保進階計劃 - 進階計劃連同額外醫療保障

Ver. Jun 23, 2025

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00079-01-001-01Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: $120,000 · 20% co-insurance

HSBC Voluntary Health Insurance Flexi Plan - Bronze level

滙豐自願醫保靈活計劃 - 銅級

Ver. Apr 16, 2025

Score71/100

FlexiCat 3Ward: WardRegion: Greater China

VHIS Cert. No.: F00049-01-000-03Benefits PDF Premiums PDF
F00049-02-000-03Benefits PDF Premiums PDF
F00049-03-000-03Benefits PDF Premiums PDF
F00049-04-000-03Benefits PDF Premiums PDF
Lifetime Limit: HK$20,000,000
Annual Limit: HK$5,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$16K$50K$100K

HSBC Voluntary Health Insurance Flexi Plan - Silver level

滙豐自願醫保靈活計劃 - 銀級

Ver. Apr 16, 2025

Score88/100

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

VHIS Cert. No.: F00049-05-000-03Benefits PDF Premiums PDF
F00049-06-000-03Benefits PDF Premiums PDF
F00049-07-000-03Benefits PDF Premiums PDF
F00049-08-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$25,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$16K$50K$100K

HSBC Voluntary Health Insurance Flexi Plan - Gold level

滙豐自願醫保靈活計劃 - 金級

Ver. Apr 16, 2025

Score98/100

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

VHIS Cert. No.: F00049-09-000-03Benefits PDF Premiums PDF
F00049-10-000-03Benefits PDF Premiums PDF
F00049-11-000-03Benefits PDF Premiums PDF
F00049-12-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$30,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$16K$50K$100K

HSBC Voluntary Health Insurance Flexi Plan - Platinum level

滙豐自願醫保靈活計劃 - 鉑級

Ver. Apr 16, 2025

Score98/100

FlexiCat 3Ward: Standard Private RoomRegion: Worldwide (excluding United States)

VHIS Cert. No.: F00049-17-000-01Benefits PDF Premiums PDF
F00049-18-000-01Benefits PDF Premiums PDF
F00049-19-000-01Benefits PDF Premiums PDF
F00049-20-000-01Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$35,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$16K$50K$100K

HSBC Voluntary Health Insurance Flexi Plan - Diamond level

滙豐自願醫保靈活計劃 - 鑽級

Ver. Apr 16, 2025

Score98/100

FlexiCat 3Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00049-13-000-03Benefits PDF Premiums PDF
F00049-14-000-03Benefits PDF Premiums PDF
F00049-15-000-03Benefits PDF Premiums PDF
F00049-16-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$40,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$16K$50K$100K

Vital Care Voluntary Health Insurance Flexi Plan - Bronze level

「愛 ‧ 護航」自願醫保靈活計劃 - 銅級

Ver. Sep 22, 2025

Score71/100

FlexiCat 3Ward: WardRegion: Greater China

VHIS Cert. No.: F00076-01-000-02Benefits PDF Premiums PDF
F00076-02-000-02Benefits PDF Premiums PDF
F00076-03-000-02Benefits PDF Premiums PDF
F00076-04-000-02Benefits PDF Premiums PDF
Lifetime Limit: HK$20,000,000
Annual Limit: HK$5,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$16K$50K$100K

Vital Care Voluntary Health Insurance Flexi Plan - Silver level

「愛 ‧ 護航」自願醫保靈活計劃 - 銀級

Ver. Sep 22, 2025

Score88/100

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

VHIS Cert. No.: F00076-05-000-02Benefits PDF Premiums PDF
F00076-06-000-02Benefits PDF Premiums PDF
F00076-07-000-02Benefits PDF Premiums PDF
F00076-08-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$25,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$16K$50K$100K

Vital Care Voluntary Health Insurance Flexi Plan - Gold level

「愛 ‧ 護航」自願醫保靈活計劃 - 金級

Ver. Sep 22, 2025

Score98/100

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

VHIS Cert. No.: F00076-09-000-02Benefits PDF Premiums PDF
F00076-10-000-02Benefits PDF Premiums PDF
F00076-11-000-02Benefits PDF Premiums PDF
F00076-12-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$30,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$16K$50K$100K

Vital Care Voluntary Health Insurance Flexi Plan - Platinum level

「愛 ‧ 護航」自願醫保靈活計劃 - 鉑級

Ver. Sep 22, 2025

Score98/100

FlexiCat 3Ward: Standard Private RoomRegion: Worldwide (excluding United States)

VHIS Cert. No.: F00076-17-000-01Benefits PDF Premiums PDF
F00076-18-000-01Benefits PDF Premiums PDF
F00076-19-000-01Benefits PDF Premiums PDF
F00076-20-000-01Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$35,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$16K$50K$100K

Vital Care Voluntary Health Insurance Flexi Plan - Diamond level

「愛 ‧ 護航」自願醫保靈活計劃 - 鑽級

Ver. Sep 22, 2025

Score98/100

FlexiCat 3Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00076-13-000-02Benefits PDF Premiums PDF
F00076-14-000-02Benefits PDF Premiums PDF
F00076-15-000-02Benefits PDF Premiums PDF
F00076-16-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$40,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$16K$50K$100K

計劃名稱

HSBC Voluntary Health Insurance Standard Plan

滙豐自願醫保標準計劃

Cat 1

Ver. Mar 29, 2021

VHIS Cert. No.

S00042-01-000-02Benefits 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

$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

—

Reconstructive surgery for specified conditions

—

Post-Confinement / Day Case Procedure auxiliary therapy

—

Medical implants / prosthetic devices

—

Daily post-surgery home nursing benefit

—

Organ transplant donor benefit

—

Histotripsy treatment for liver cancer benefit

—

Cancer / cardiac / stroke rehabilitation benefit

—

Hospice and palliative care benefit

—

Chinese Medicine Practitioner outpatient care

—

Hospital companion bed fee reimbursement

—

Health check-up benefit

—

Attending doctor's visit fee (top-up)

—

Intensive care (top-up)

—

Room and board (top-up)

—

Cash Benefits Cash

Lower ward class cash benefit

—

Event Benefits Event

Compassionate death benefit

$8,800

Medical accident and incident extension benefit

—

計劃名稱

HSBC Voluntary Health Insurance Standard Plan

滙豐自願醫保標準計劃

Cat 1

Ver. Mar 29, 2021

計劃 1 / 13

滙豐自願醫保標準計劃

HSBC Voluntary Health Insurance Standard Plan

標準Cat 1Ver. Mar 29, 2021保障評分 59/100

VHIS 認可編號: S00042-01-000-02
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: —
指定重建手術保障: —
出院後 / 日間手術後的額外門診輔助治療: —
醫療植入裝置: —
家中看護: —
器官移植的捐贈者保障: —
組織碎化技術的肝癌治療保障: —
復康保障: —
善終服務: —
出院後 / 日間手術後的中醫門診治療: —
住院陪床: —
身體檢查保障: —
主診醫生巡房費 (額外): —
深切治療 (額外): —
病房及膳食 (額外): —

現金保障 Cash

次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $8,800
醫療意外事故保障: —

計劃 2 / 13

滙豐自願醫保進階計劃 - 進階計劃

HSBC Voluntary Health Insurance One Plan - One Plan

靈活Cat 1Ver. Jun 23, 2025保障評分 65/100

VHIS 認可編號: F00079-01-000-01
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: —
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: $14,000 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: $4,300 per Policy Year
(e) 深切治療: $4,000 per day, maximum 90 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, up to $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 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: $5,000 per Policy Year
指定重建手術保障: Eligible Expenses for reconstructive surgery shall be covered and reimbursed according to benefit items (a) – (c), (e) – (i) up to their respective benefit limits
出院後 / 日間手術後的額外門診輔助治療: —
醫療植入裝置: —
家中看護: —
器官移植的捐贈者保障: —
組織碎化技術的肝癌治療保障: —
復康保障: —
善終服務: —
出院後 / 日間手術後的中醫門診治療: —
住院陪床: —
身體檢查保障: —
主診醫生巡房費 (額外): —
深切治療 (額外): —
病房及膳食 (額外): —

現金保障 Cash

次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: —
醫療意外事故保障: —

計劃 3 / 13

滙豐自願醫保進階計劃 - 進階計劃連同額外醫療保障

HSBC Voluntary Health Insurance One Plan - One Plan with SMM

靈活Cat 1Ver. Jun 23, 2025保障評分 65/100

VHIS 認可編號: F00079-01-001-01
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: —
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: $1,000 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: $1,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $4,000 per day, maximum 90 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, up to $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 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: $5,000 per Policy Year
指定重建手術保障: Eligible Expenses for reconstructive surgery shall be covered and reimbursed according to benefit items (a) – (c), (e) – (i) up to their respective benefit limits
出院後 / 日間手術後的額外門診輔助治療: —
醫療植入裝置: —
家中看護: —
器官移植的捐贈者保障: —
組織碎化技術的肝癌治療保障: —
復康保障: —
善終服務: —
出院後 / 日間手術後的中醫門診治療: —
住院陪床: —
身體檢查保障: —
主診醫生巡房費 (額外): $120,000(shared)
深切治療 (額外): $120,000(shared)
病房及膳食 (額外): $120,000(shared)

現金保障 Cash

次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000 per policy. Supplemental Major Medical Benefits (Confinement only): $120,000 per Policy Year
醫療意外事故保障: $60,000 per policy

計劃 4 / 13

滙豐自願醫保靈活計劃 - 銅級

HSBC Voluntary Health Insurance Flexi Plan - Bronze level

靈活Cat 3Ver. Apr 16, 2025保障評分 71/100 (42–71)

VHIS 認可編號: F00049-01-000-03F00049-02-000-03F00049-03-000-03F00049-04-000-03
計劃類別: 靈活
保障地域範圍: 大中華 Greater China
病房級別: 普通病房 Ward
每年賠償限額: HK$5,000,000
終身賠償限額: HK$20,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $16K / $50K / $100K

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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
(l) 精神科治療: $30,000

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
指定重建手術保障: Full reimbursement
出院後 / 日間手術後的額外門診輔助治療: $3,000
醫療植入裝置: Full reimbursement
家中看護: Full reimbursement
器官移植的捐贈者保障: 30% of the total organ transplant cost
組織碎化技術的肝癌治療保障: Full reimbursement
復康保障: $80,000
善終服務: —
出院後 / 日間手術後的中醫門診治療: —
住院陪床: Full reimbursement
身體檢查保障: —
主診醫生巡房費 (額外): —
深切治療 (額外): —
病房及膳食 (額外): —

現金保障 Cash

次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: —

計劃 5 / 13

滙豐自願醫保靈活計劃 - 銀級

HSBC Voluntary Health Insurance Flexi Plan - Silver level

靈活Cat 3Ver. Apr 16, 2025保障評分 88/100 (14–88)

VHIS 認可編號: F00049-05-000-03F00049-06-000-03F00049-07-000-03F00049-08-000-03
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$25,000,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $16K / $50K / $100K

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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
(l) 精神科治療: $30,000

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
指定重建手術保障: Full reimbursement
出院後 / 日間手術後的額外門診輔助治療: $6,000
醫療植入裝置: Full reimbursement
家中看護: Full reimbursement
器官移植的捐贈者保障: 30% of the total organ transplant cost
組織碎化技術的肝癌治療保障: Full reimbursement
復康保障: $80,000
善終服務: —
出院後 / 日間手術後的中醫門診治療: —
住院陪床: Full reimbursement
身體檢查保障: —
主診醫生巡房費 (額外): —
深切治療 (額外): —
病房及膳食 (額外): —

現金保障 Cash

次級病房級別現金惠益: $1,000

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: —

計劃 6 / 13

滙豐自願醫保靈活計劃 - 金級

HSBC Voluntary Health Insurance Flexi Plan - Gold level

靈活Cat 3Ver. Apr 16, 2025保障評分 98/100 (12–98)

VHIS 認可編號: F00049-09-000-03F00049-10-000-03F00049-11-000-03F00049-12-000-03
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: 私家病房 Private
每年賠償限額: HK$30,000,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $16K / $50K / $100K

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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
(l) 精神科治療: $30,000

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
指定重建手術保障: Full reimbursement
出院後 / 日間手術後的額外門診輔助治療: $10,000
醫療植入裝置: Full reimbursement
家中看護: Full reimbursement
器官移植的捐贈者保障: 30% of the total organ transplant cost
組織碎化技術的肝癌治療保障: Full reimbursement
復康保障: $80,000
善終服務: —
出院後 / 日間手術後的中醫門診治療: —
住院陪床: Full reimbursement
身體檢查保障: $1,000
主診醫生巡房費 (額外): —
深切治療 (額外): —
病房及膳食 (額外): —

現金保障 Cash

次級病房級別現金惠益: $2,000

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: —

計劃 7 / 13

滙豐自願醫保靈活計劃 - 鉑級

HSBC Voluntary Health Insurance Flexi Plan - Platinum level

靈活Cat 3Ver. Apr 16, 2025保障評分 98/100 (12–98)

VHIS 認可編號: F00049-17-000-01F00049-18-000-01F00049-19-000-01F00049-20-000-01
計劃類別: 靈活
保障地域範圍: 全球 (不含美國)
病房級別: 私家病房 Private
每年賠償限額: HK$35,000,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $16K / $50K / $100K

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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
(l) 精神科治療: $30,000

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
指定重建手術保障: Full reimbursement
出院後 / 日間手術後的額外門診輔助治療: $10,000
醫療植入裝置: Full reimbursement
家中看護: Full reimbursement
器官移植的捐贈者保障: 30% of the total organ transplant cost
組織碎化技術的肝癌治療保障: Full reimbursement
復康保障: $80,000
善終服務: —
出院後 / 日間手術後的中醫門診治療: —
住院陪床: Full reimbursement
身體檢查保障: $1,000
主診醫生巡房費 (額外): —
深切治療 (額外): —
病房及膳食 (額外): —

現金保障 Cash

次級病房級別現金惠益: $2,000

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: —

計劃 8 / 13

滙豐自願醫保靈活計劃 - 鑽級

HSBC Voluntary Health Insurance Flexi Plan - Diamond level

靈活Cat 3Ver. Apr 16, 2025保障評分 98/100 (12–98)

VHIS 認可編號: F00049-13-000-03F00049-14-000-03F00049-15-000-03F00049-16-000-03
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$40,000,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $16K / $50K / $100K

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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
(l) 精神科治療: $50,000

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
指定重建手術保障: Full reimbursement
出院後 / 日間手術後的額外門診輔助治療: $30,000
醫療植入裝置: Full reimbursement
家中看護: Full reimbursement
器官移植的捐贈者保障: 30% of the total organ transplant cost
組織碎化技術的肝癌治療保障: Full reimbursement
復康保障: $80,000
善終服務: $80,000
出院後 / 日間手術後的中醫門診治療: $600
住院陪床: Full reimbursement
身體檢查保障: $2,000
主診醫生巡房費 (額外): —
深切治療 (額外): —
病房及膳食 (額外): —

現金保障 Cash

次級病房級別現金惠益: $2,000

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: —

計劃 9 / 13

「愛 ‧ 護航」自願醫保靈活計劃 - 銅級

Vital Care Voluntary Health Insurance Flexi Plan - Bronze level

靈活Cat 3Ver. Sep 22, 2025保障評分 71/100 (42–71)

VHIS 認可編號: F00076-01-000-02F00076-02-000-02F00076-03-000-02F00076-04-000-02
計劃類別: 靈活
保障地域範圍: 大中華 Greater China
病房級別: 普通病房 Ward
每年賠償限額: HK$5,000,000
終身賠償限額: HK$20,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $16K / $50K / $100K

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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
(l) 精神科治療: $30,000

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
指定重建手術保障: Full reimbursement
出院後 / 日間手術後的額外門診輔助治療: $3,000
醫療植入裝置: Full reimbursement
家中看護: Full reimbursement
器官移植的捐贈者保障: 30% of the total organ transplant cost
組織碎化技術的肝癌治療保障: Full reimbursement
復康保障: $80,000
善終服務: —
出院後 / 日間手術後的中醫門診治療: —
住院陪床: Full reimbursement
身體檢查保障: —
主診醫生巡房費 (額外): —
深切治療 (額外): —
病房及膳食 (額外): —

現金保障 Cash

次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: —

計劃 10 / 13

「愛 ‧ 護航」自願醫保靈活計劃 - 銀級

Vital Care Voluntary Health Insurance Flexi Plan - Silver level

靈活Cat 3Ver. Sep 22, 2025保障評分 88/100 (14–88)

VHIS 認可編號: F00076-05-000-02F00076-06-000-02F00076-07-000-02F00076-08-000-02
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$25,000,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $16K / $50K / $100K

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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
(l) 精神科治療: $30,000

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
指定重建手術保障: Full reimbursement
出院後 / 日間手術後的額外門診輔助治療: $6,000
醫療植入裝置: Full reimbursement
家中看護: Full reimbursement
器官移植的捐贈者保障: 30% of the total organ transplant cost
組織碎化技術的肝癌治療保障: Full reimbursement
復康保障: $80,000
善終服務: —
出院後 / 日間手術後的中醫門診治療: —
住院陪床: Full reimbursement
身體檢查保障: —
主診醫生巡房費 (額外): —
深切治療 (額外): —
病房及膳食 (額外): —

現金保障 Cash

次級病房級別現金惠益: $1,000

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: —

計劃 11 / 13

「愛 ‧ 護航」自願醫保靈活計劃 - 金級

Vital Care Voluntary Health Insurance Flexi Plan - Gold level

靈活Cat 3Ver. Sep 22, 2025保障評分 98/100 (12–98)

VHIS 認可編號: F00076-09-000-02F00076-10-000-02F00076-11-000-02F00076-12-000-02
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: 私家病房 Private
每年賠償限額: HK$30,000,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $16K / $50K / $100K

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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
(l) 精神科治療: $30,000

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
指定重建手術保障: Full reimbursement
出院後 / 日間手術後的額外門診輔助治療: $10,000
醫療植入裝置: Full reimbursement
家中看護: Full reimbursement
器官移植的捐贈者保障: 30% of the total organ transplant cost
組織碎化技術的肝癌治療保障: Full reimbursement
復康保障: $80,000
善終服務: —
出院後 / 日間手術後的中醫門診治療: —
住院陪床: Full reimbursement
身體檢查保障: $1,000
主診醫生巡房費 (額外): —
深切治療 (額外): —
病房及膳食 (額外): —

現金保障 Cash

次級病房級別現金惠益: $2,000

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: —

計劃 12 / 13

「愛 ‧ 護航」自願醫保靈活計劃 - 鉑級

Vital Care Voluntary Health Insurance Flexi Plan - Platinum level

靈活Cat 3Ver. Sep 22, 2025保障評分 98/100 (12–98)

VHIS 認可編號: F00076-17-000-01F00076-18-000-01F00076-19-000-01F00076-20-000-01
計劃類別: 靈活
保障地域範圍: 全球 (不含美國)
病房級別: 私家病房 Private
每年賠償限額: HK$35,000,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $16K / $50K / $100K

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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
(l) 精神科治療: $30,000

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
指定重建手術保障: Full reimbursement
出院後 / 日間手術後的額外門診輔助治療: $10,000
醫療植入裝置: Full reimbursement
家中看護: Full reimbursement
器官移植的捐贈者保障: 30% of the total organ transplant cost
組織碎化技術的肝癌治療保障: Full reimbursement
復康保障: $80,000
善終服務: —
出院後 / 日間手術後的中醫門診治療: —
住院陪床: Full reimbursement
身體檢查保障: $1,000
主診醫生巡房費 (額外): —
深切治療 (額外): —
病房及膳食 (額外): —

現金保障 Cash

次級病房級別現金惠益: $2,000

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: —

計劃 13 / 13

「愛 ‧ 護航」自願醫保靈活計劃 - 鑽級

Vital Care Voluntary Health Insurance Flexi Plan - Diamond level

靈活Cat 3Ver. Sep 22, 2025保障評分 98/100 (12–98)

VHIS 認可編號: F00076-13-000-02F00076-14-000-02F00076-15-000-02F00076-16-000-02
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$40,000,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $16K / $50K / $100K

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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
(l) 精神科治療: $50,000

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
指定重建手術保障: Full reimbursement
出院後 / 日間手術後的額外門診輔助治療: $30,000
醫療植入裝置: Full reimbursement
家中看護: Full reimbursement
器官移植的捐贈者保障: 30% of the total organ transplant cost
組織碎化技術的肝癌治療保障: Full reimbursement
復康保障: $80,000
善終服務: $80,000
出院後 / 日間手術後的中醫門診治療: $600
住院陪床: Full reimbursement
身體檢查保障: $2,000
主診醫生巡房費 (額外): —
深切治療 (額外): —
病房及膳食 (額外): —

現金保障 Cash

次級病房級別現金惠益: $2,000

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: —