ByCompany

Zurich Insurance Company Ltd — same-insurer plan comparison

Zurich Insurance Company Ltd · 7 plan series (13 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.

7/7

HealthSure Voluntary Health Insurance Plan

「智選守護」自願醫療保障計劃

Ver. Mar 19, 2021

Score59/100

StandardCat 1Ward: N/ARegion: Worldwide

VHIS Cert. No.: S00024-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: —

HealthFlexi Voluntary Health Insurance Plan - Essential

「智選無憂」自願醫療保障計劃 - 精選

Ver. Mar 19, 2021

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00044-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: —

HealthFlexi Voluntary Health Insurance Plan - Essential with SMM

「智選無憂」自願醫療保障計劃 - 精選附帶附加醫療保障

Ver. Mar 19, 2021

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00044-01-001-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: $120,000 · 20% co-insurance

HealthFlexi Voluntary Health Insurance Plan - Advanced

「智選無憂」自願醫療保障計劃 - 特選

Ver. Mar 19, 2021

Score76/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00044-02-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: —

HealthFlexi Voluntary Health Insurance Plan - Advanced with SMM

「智選無憂」自願醫療保障計劃 - 特選附帶附加醫療保障

Ver. Mar 19, 2021

Score76/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00044-02-001-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: $240,000 · 20% co-insurance

HealthFlexi Plus Voluntary Health Insurance Plan

「智選無憂+」自願醫療保障計劃 (亞洲)

Ver. Mar 19, 2021

Score68/100

FlexiCat 3Ward: Semi-Private RoomRegion: Asia

VHIS Cert. No.: F00036-01-000-02Benefits PDF Premiums PDF
F00036-02-000-02Benefits PDF Premiums PDF
F00036-03-000-02Benefits PDF Premiums PDF
F00036-04-000-02Benefits PDF Premiums PDF
Lifetime Limit: HK$25,000,000
Annual Limit: HK$6,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$60K$90K$150K

HealthFlexi Plus Voluntary Health Insurance Plan

「智選無憂+」自願醫療保障計劃 (環球但不包括美國)

Ver. Mar 19, 2021

Score68/100

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

VHIS Cert. No.: F00036-05-000-02Benefits PDF Premiums PDF
F00036-06-000-02Benefits PDF Premiums PDF
F00036-07-000-02Benefits PDF Premiums PDF
F00036-08-000-02Benefits PDF Premiums PDF
Lifetime Limit: HK$25,000,000
Annual Limit: HK$6,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$60K$90K$150K

計劃名稱

HealthSure Voluntary Health Insurance Plan

「智選守護」自願醫療保障計劃

Cat 1

Ver. Mar 19, 2021

VHIS Cert. No.

S00024-01-000-02Benefits 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 — 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

Emergency outpatient treatment for Accident

—

Daily post-surgery home nursing benefit

—

Outpatient kidney dialysis

—

Medical implants / prosthetic devices

—

Cancer / cardiac / stroke rehabilitation benefit

—

SMM scope declaration

—

Hospice and palliative care benefit

—

Hospital companion bed fee reimbursement

—

Event Benefits Event

Compassionate death benefit

$8,800

Accidental Death benefit

—

Medical accident and incident extension benefit

—

計劃名稱

HealthSure Voluntary Health Insurance Plan

「智選守護」自願醫療保障計劃

Cat 1

Ver. Mar 19, 2021

計劃 1 / 7

「智選守護」自願醫療保障計劃

HealthSure Voluntary Health Insurance Plan

標準Cat 1Ver. Mar 19, 2021保障評分 59/100

VHIS 認可編號: S00024-01-000-02
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 — 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

意外急症門診治療費用賠償: —
家中看護: —
門診洗腎: —
醫療植入裝置: —
復康保障: —
合資格費用在扣除基本保障(a)、(c)或(e)的日數賠償限額後: —
善終服務: —
住院陪床: —

事件保障 Event

恩恤身故賠償: $8,800
意外身故賠償: —
醫療意外事故保障: —

計劃 2 / 7

「智選無憂」自願醫療保障計劃 - 精選

HealthFlexi Voluntary Health Insurance Plan - Essential

靈活Cat 1Ver. Mar 19, 2021保障評分 65/100

VHIS 認可編號: F00044-01-000-02
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: —
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: $900 per day, maximum 180 days per Policy Year
(b) 雜項開支: $16,000 per Policy Year
(c) 主診醫生巡房費: $900 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $6,000 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: $ 5,750
(f) 外科醫生費 — 中型: $13,500
(f) 外科醫生費 — 大型: $27,000
(f) 外科醫生費 — 複雜: $54,000
(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 2 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

意外急症門診治療費用賠償: —
家中看護: —
門診洗腎: —
醫療植入裝置: —
復康保障: —
合資格費用在扣除基本保障(a)、(c)或(e)的日數賠償限額後: —
善終服務: —
住院陪床: —

事件保障 Event

恩恤身故賠償: —
意外身故賠償: —
醫療意外事故保障: —

計劃 3 / 7

「智選無憂」自願醫療保障計劃 - 精選附帶附加醫療保障

HealthFlexi Voluntary Health Insurance Plan - Essential with SMM

靈活Cat 1Ver. Mar 19, 2021保障評分 65/100

VHIS 認可編號: F00044-01-001-02
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: —
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: $900 per day, maximum 180 days per Policy Year
(b) 雜項開支: $16,000 per Policy Year
(c) 主診醫生巡房費: $900 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $6,000 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: $ 5,750
(f) 外科醫生費 — 中型: $13,500
(f) 外科醫生費 — 大型: $27,000
(f) 外科醫生費 — 複雜: $54,000
(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 2 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

意外急症門診治療費用賠償: $3,000 per Policy Year
家中看護: $500 per day, maximum 90 days per Policy Year
門診洗腎: $50,000 per Policy Year
醫療植入裝置: $5,000 per Policy Year
復康保障: $10,000 per Policy Year
合資格費用在扣除基本保障(a)、(c)或(e)的日數賠償限額後: Room and board: $900 per day (starting from the 181st day per Policy Year)Attending doctor's visit fee: $900 per day (starting from the 181st day per Policy Year)Intensive care: $3,500 per day (starting from the 26st day per Policy Year)
善終服務: —
住院陪床: $400 per day, maximum 60 days per Policy Year

事件保障 Event

恩恤身故賠償: —
意外身故賠償: $100,000
醫療意外事故保障: —

計劃 4 / 7

「智選無憂」自願醫療保障計劃 - 特選

HealthFlexi Voluntary Health Insurance Plan - Advanced

靈活Cat 1Ver. Mar 19, 2021保障評分 76/100

VHIS 認可編號: F00044-02-000-02
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: —
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: $1,800 per day, maximum 180 days per Policy Year
(b) 雜項開支: $24,000 per Policy Year
(c) 主診醫生巡房費: $1,800 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $8,000 per Policy Year
(e) 深切治療: $5,000 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $ 8,000
(f) 外科醫生費 — 中型: $20,000
(f) 外科醫生費 — 大型: $40,000
(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: $30,000 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: $800, per visit, $5,000 per Policy Year • Up to 2 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

意外急症門診治療費用賠償: —
家中看護: —
門診洗腎: —
醫療植入裝置: —
復康保障: —
合資格費用在扣除基本保障(a)、(c)或(e)的日數賠償限額後: —
善終服務: —
住院陪床: —

事件保障 Event

恩恤身故賠償: —
意外身故賠償: —
醫療意外事故保障: —

計劃 5 / 7

「智選無憂」自願醫療保障計劃 - 特選附帶附加醫療保障

HealthFlexi Voluntary Health Insurance Plan - Advanced with SMM

靈活Cat 1Ver. Mar 19, 2021保障評分 76/100

VHIS 認可編號: F00044-02-001-02
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: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $240,000 · 20% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,800 per day, maximum 180 days per Policy Year
(b) 雜項開支: $24,000 per Policy Year
(c) 主診醫生巡房費: $1,800 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $8,000 per Policy Year
(e) 深切治療: $5,000 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $ 8,000
(f) 外科醫生費 — 中型: $20,000
(f) 外科醫生費 — 大型: $40,000
(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: $30,000 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: $800, per visit, $5,000 per Policy Year • Up to 2 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

意外急症門診治療費用賠償: $5,000 per Policy Year
家中看護: $800 per day, maximum 90 days per Policy Year
門診洗腎: $100,000 per Policy Year
醫療植入裝置: $10,000 per Policy Year
復康保障: $15,000 per Policy Year
合資格費用在扣除基本保障(a)、(c)或(e)的日數賠償限額後: Room and board: $1,800 per day (starting from the 181st day per Policy Year)Attending doctor's visit fee: $1,800 per day (starting from the 181st day per Policy Year)Intensive care: $5,000 per day (starting from the 26st day per Policy Year)
善終服務: —
住院陪床: $600 per day, maximum 60 days per Policy Year

事件保障 Event

恩恤身故賠償: —
意外身故賠償: $100,000
醫療意外事故保障: —

計劃 6 / 7

「智選無憂+」自願醫療保障計劃 (亞洲)

HealthFlexi Plus Voluntary Health Insurance Plan

靈活Cat 3Ver. Mar 19, 2021保障評分 68/100 (11–68)

VHIS 認可編號: F00036-01-000-02F00036-02-000-02F00036-03-000-02F00036-04-000-02
計劃類別: 靈活
保障地域範圍: 亞洲 Asia
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$25,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $60K / $90K / $150K

基本保障 Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: 50% of Eligible Expenses and other Reasonable and Customary charges, or the benefit payable under the Terms and Benefits of the Standard Plan, whichever is higher
(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 — 小型: Full reimbursement
(f) 外科醫生費 — 中型: Full reimbursement
(f) 外科醫生費 — 大型: Full reimbursement
(f) 外科醫生費 — 複雜: Full reimbursement
(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: $40,000
(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: $1,600 per visit, $10,000 per Policy Year • Up to 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure • Unlimited follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: Full reimbursement

額外保障 Extra

意外急症門診治療費用賠償: $5,000
家中看護: $1,600
門診洗腎: Full reimbursement
醫療植入裝置: Full reimbursement
復康保障: $25,000
合資格費用在扣除基本保障(a)、(c)或(e)的日數賠償限額後: —
善終服務: $80,000
住院陪床: $800

事件保障 Event

恩恤身故賠償: —
意外身故賠償: $100,000
醫療意外事故保障: $90,000

計劃 7 / 7

「智選無憂+」自願醫療保障計劃 (環球但不包括美國)

HealthFlexi Plus Voluntary Health Insurance Plan

靈活Cat 3Ver. Mar 19, 2021保障評分 68/100 (11–68)

VHIS 認可編號: F00036-05-000-02F00036-06-000-02F00036-07-000-02F00036-08-000-02
計劃類別: 靈活
保障地域範圍: 全球 (不含美國)
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$25,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $60K / $90K / $150K

基本保障 Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: 50% of Eligible Expenses and other Reasonable and Customary charges, or the benefit payable under the Terms and Benefits of the Standard Plan, whichever is higher
(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 — 小型: Full reimbursement
(f) 外科醫生費 — 中型: Full reimbursement
(f) 外科醫生費 — 大型: Full reimbursement
(f) 外科醫生費 — 複雜: Full reimbursement
(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: $40,000
(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: $1,600 per visit, $10,000 per Policy Year • Up to 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure • Unlimited follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: Full reimbursement

額外保障 Extra

意外急症門診治療費用賠償: $5,000
家中看護: $1,600
門診洗腎: Full reimbursement
醫療植入裝置: Full reimbursement
復康保障: $25,000
合資格費用在扣除基本保障(a)、(c)或(e)的日數賠償限額後: —
善終服務: $80,000
住院陪床: $800

事件保障 Event

恩恤身故賠償: —
意外身故賠償: $100,000
醫療意外事故保障: $90,000