ZA VHIS
ZA 自願醫保
Score59/100
StandardCat 1Ward: N/ARegion: Worldwide
- VHIS Cert. No.
- S00045-01-000-01Benefits PDFPremiums PDF
- Lifetime Limit
- —
- Annual Limit
- HK$420,000
- Per-illness limit
- —
- SMM Supplemental Major Medical
- —
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ZA Life Limited — same-insurer plan comparison
ZA Life Limited · 1 plan series (1 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.
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計劃名稱
ZA VHIS
ZA 自願醫保
Cat 1
VHIS Cert. No.
S00045-01-000-01Benefits 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 — 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
Cancer / cardiac / stroke rehabilitation benefit
$1,000 per day during the rehabilitation programme (maximum 180 days per Policy Year)
Event Benefits Event
Accidental Death benefit
$300,000 per Policy Year
計劃 1 / 1
ZA 自願醫保
ZA VHIS
標準Cat 1保障評分 59/100
- VHIS 認可編號
- S00045-01-000-01
- 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 — 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
- 復康保障
- $1,000 per day during the rehabilitation programme (maximum 180 days per Policy Year)
事件保障 Event
- 意外身故賠償
- $300,000 per Policy Year