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Bank of China Group Insurance Company Limited — same-insurer plan comparison
Bank of China Group Insurance Company Limited · 9 plan series · 9 variants
Bank of China Group Insurance Company Limited offers 9 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 8 Flexi), covering Worldwide (including United States), across Ward and No ward-class restriction (item limits apply) ward classes. Premiums, coverage items, deductible tiers and annual limits are compared side-by-side below.
Data version: Apr 1, 2021
中銀標準自願醫保計劃認可產品
- VHIS cert no.
- S00035-01-000-02
- Plan Type
- Standard
- Main coverage region
- Worldwide (including United States)
- Ward class
- No ward-class restriction (item limits apply)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$750 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$14,000 per Policy Year
- (c) 主診醫生巡房費
- HK$750 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$4,300 per Policy Year
- (e) 深切治療
- HK$3,500 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$5,000
- 外科醫生費 — 中型
- HK$12,500
- 外科醫生費 — 大型
- HK$25,000
- 外科醫生費 — 複雜
- HK$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
- HK$20,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$580 per visit, HK$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Mainland China / Hong Kong / Macau only
- HK$30,000 per Policy Year
Extra Benefits
- 門診洗腎
- —
- 主要癌症額外保障
- —
- 醫療植入裝置
- —
- 懷孕併發症
- —
- 訂明非手術癌症治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 家中看護
- —
- 醫療植入裝置 — 指定項目 (額外)
- —
- 醫療植入裝置 — 非指定項目
- —
$750 per day, maximum 180 days per Policy Year
$14,000 per Policy Year
$750 per day, maximum 180 days per Policy Year
$4,300 per Policy Year
$3,500 per day, maximum 25 days per Policy Year
$5,000
$12,500
$25,000
$50,000
$20,000 per Policy Year. Subject to 30% Coinsurance.
$80,000 per Policy Year
$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
$30,000 per Policy Year
中銀靈活自願醫保計劃認可產品 - 基本計劃
- VHIS cert no.
- F00028-01-000-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- Under age 76: No aggregate limitAge 76+: HK$450,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,450 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$18,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,450 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$4,000 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$ 6,500
- 外科醫生費 — 中型
- HK$15,000
- 外科醫生費 — 大型
- HK$30,000
- 外科醫生費 — 複雜
- HK$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
- HK$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$100,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$650 per visit, HK$4,000 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Mainland China / Hong Kong / Macau only
- HK$40,000 per Policy Year
Extra Benefits
- 門診洗腎
- HK$100,000 per Policy Year
- 主要癌症額外保障
- HK$50,000 per Policy Year
- 醫療植入裝置
- HK$20,000 per Policy Year
- 懷孕併發症
- HK$50,000 per Policy Year
- 訂明非手術癌症治療
- —
- 意外急症門診治療費用賠償
- HK$2,500 per Policy Year within 24 hours of the Accident
- 住院陪床
- HK$800 per day, maximum 180 days per Policy Year
- 家中看護
- HK$500 per day, maximum 180 days per Policy Year
- 醫療植入裝置 — 指定項目 (額外)
- —
- 醫療植入裝置 — 非指定項目
- —
No aggregate limit
$1,450 per day, maximum 180 days per Policy Year
$18,000 per Policy Year
$1,450 per day, maximum 180 days per Policy Year
$6,000 per Policy Year
$4,000 per day, maximum 25 days per Policy Year
$ 6,500
$15,000
$30,000
$50,000
$30,000 per Policy Year. Subject to 30% Coinsurance.
$100,000 per Policy Year
$650, per visit, $4,000 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
$40,000 per Policy Year
$800 per day, maximum 180 days per Policy Year
$20,000 per Policy Year
$50,000 per Policy Year
$100,000 per Policy Year
$50,000 per Policy Year
$500 per day, maximum 180 days per Policy Year
$2,500 per Policy Year within 24 hours of the Accident
中銀靈活自願醫保計劃認可產品 - 基本計劃+升級保障1
- VHIS cert no.
- F00028-01-001-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- Under age 76: No aggregate limitAge 76+: HK$450,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- — see shared limit below
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,450 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$18,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,450 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$4,000 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$ 6,500
- 外科醫生費 — 中型
- HK$15,000
- 外科醫生費 — 大型
- HK$30,000
- 外科醫生費 — 複雜
- HK$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
- HK$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$100,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$650 per visit, HK$4,000 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Mainland China / Hong Kong / Macau only
- HK$40,000 per Policy Year
Extra Benefits
- 門診洗腎
- HK$100,000 per Policy Year
- 主要癌症額外保障
- HK$50,000 per Policy Year
- 醫療植入裝置
- HK$20,000 per Policy Year
- 懷孕併發症
- HK$50,000 per Policy Year
- 訂明非手術癌症治療
- —
- 意外急症門診治療費用賠償
- HK$2,500 per Policy Year within 24 hours of the Accident
- 住院陪床
- HK$800 per day, maximum 180 days per Policy Year
- 家中看護
- HK$500 per day, maximum 180 days per Policy Year
- 醫療植入裝置 — 指定項目 (額外)
- $100,000(shared)
- 醫療植入裝置 — 非指定項目
- $100,000(shared)
No aggregate limit
$1,450 per day, maximum 180 days per Policy Year
$18,000 per Policy Year
$1,450 per day, maximum 180 days per Policy Year
$6,000 per Policy Year
$4,000 per day, maximum 25 days per Policy Year
$ 6,500
$15,000
$30,000
$50,000
$30,000 per Policy Year. Subject to 30% Coinsurance.
$100,000 per Policy Year
$650, per visit, $4,000 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
$40,000 per Policy Year
$800 per day, maximum 180 days per Policy Year
$20,000 per Policy Year
$50,000 per Policy Year
$100,000 per Policy Year
$50,000 per Policy Year
$500 per day, maximum 180 days per Policy Year
$2,500 per Policy Year within 24 hours of the Accident
$100,000 per Policy Year Shared cap: HK$100,000
$50,000 per Policy Year Shared cap: HK$100,000
中銀靈活自願醫保計劃認可產品 - 基本計劃+升級保障2
- VHIS cert no.
- F00028-01-002-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- Under age 76: No aggregate limitAge 76+: HK$450,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- — see shared limit below
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,450 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$18,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,450 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$4,000 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$ 6,500
- 外科醫生費 — 中型
- HK$15,000
- 外科醫生費 — 大型
- HK$30,000
- 外科醫生費 — 複雜
- HK$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
- HK$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$100,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$650 per visit, HK$4,000 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Mainland China / Hong Kong / Macau only
- HK$40,000 per Policy Year
Extra Benefits
- 門診洗腎
- HK$100,000 per Policy Year
- 主要癌症額外保障
- HK$50,000 per Policy Year
- 醫療植入裝置
- HK$20,000 per Policy Year
- 懷孕併發症
- HK$50,000 per Policy Year
- 訂明非手術癌症治療
- —
- 意外急症門診治療費用賠償
- HK$2,500 per Policy Year within 24 hours of the Accident
- 住院陪床
- HK$800 per day, maximum 180 days per Policy Year
- 家中看護
- HK$500 per day, maximum 180 days per Policy Year
- 醫療植入裝置 — 指定項目 (額外)
- $200,000(shared)
- 醫療植入裝置 — 非指定項目
- $200,000(shared)
No aggregate limit
$1,450 per day, maximum 180 days per Policy Year
$18,000 per Policy Year
$1,450 per day, maximum 180 days per Policy Year
$6,000 per Policy Year
$4,000 per day, maximum 25 days per Policy Year
$ 6,500
$15,000
$30,000
$50,000
$30,000 per Policy Year. Subject to 30% Coinsurance.
$100,000 per Policy Year
$650, per visit, $4,000 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
$40,000 per Policy Year
$800 per day, maximum 180 days per Policy Year
$20,000 per Policy Year
$50,000 per Policy Year
$100,000 per Policy Year
$50,000 per Policy Year
$500 per day, maximum 180 days per Policy Year
$2,500 per Policy Year within 24 hours of the Accident
$200,000 per Policy Year Shared cap: HK$200,000
$100,000 per Policy Year Shared cap: HK$200,000
中銀靈活自願醫保計劃認可產品 - 基本計劃+升級保障3
- VHIS cert no.
- F00028-01-003-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- Under age 76: No aggregate limitAge 76+: HK$450,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- — see shared limit below
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,450 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$18,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,450 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$4,000 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$ 6,500
- 外科醫生費 — 中型
- HK$15,000
- 外科醫生費 — 大型
- HK$30,000
- 外科醫生費 — 複雜
- HK$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
- HK$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$100,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$650 per visit, HK$4,000 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Mainland China / Hong Kong / Macau only
- HK$40,000 per Policy Year
Extra Benefits
- 門診洗腎
- HK$100,000 per Policy Year
- 主要癌症額外保障
- HK$50,000 per Policy Year
- 醫療植入裝置
- HK$20,000 per Policy Year
- 懷孕併發症
- HK$50,000 per Policy Year
- 訂明非手術癌症治療
- —
- 意外急症門診治療費用賠償
- HK$2,500 per Policy Year within 24 hours of the Accident
- 住院陪床
- HK$800 per day, maximum 180 days per Policy Year
- 家中看護
- HK$500 per day, maximum 180 days per Policy Year
- 醫療植入裝置 — 指定項目 (額外)
- $300,000(shared)
- 醫療植入裝置 — 非指定項目
- $300,000(shared)
No aggregate limit
$1,450 per day, maximum 180 days per Policy Year
$18,000 per Policy Year
$1,450 per day, maximum 180 days per Policy Year
$6,000 per Policy Year
$4,000 per day, maximum 25 days per Policy Year
$ 6,500
$15,000
$30,000
$50,000
$30,000 per Policy Year. Subject to 30% Coinsurance.
$100,000 per Policy Year
$650, per visit, $4,000 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
$40,000 per Policy Year
$800 per day, maximum 180 days per Policy Year
$20,000 per Policy Year
$50,000 per Policy Year
$100,000 per Policy Year
$50,000 per Policy Year
$500 per day, maximum 180 days per Policy Year
$2,500 per Policy Year within 24 hours of the Accident
$300,000 per Policy Year Shared cap: HK$300,000
$150,000 per Policy Year Shared cap: HK$300,000
中銀靈活自願醫保計劃認可產品 - 基本計劃+附加重症住院保障
- VHIS cert no.
- F00028-01-004-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- Under age 76: No aggregate limitAge 76+: HK$450,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- HK$400,000 · Coinsurance 20% (Per policy year)
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,450 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$18,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,450 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$4,000 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$ 6,500
- 外科醫生費 — 中型
- HK$15,000
- 外科醫生費 — 大型
- HK$30,000
- 外科醫生費 — 複雜
- HK$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
- HK$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$100,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$650 per visit, HK$4,000 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Mainland China / Hong Kong / Macau only
- HK$40,000 per Policy Year
Extra Benefits
- 門診洗腎
- HK$100,000 per Policy Year
- 主要癌症額外保障
- HK$50,000 per Policy Year
- 醫療植入裝置
- HK$20,000 per Policy Year
- 懷孕併發症
- HK$50,000 per Policy Year
- 訂明非手術癌症治療
- —
- 意外急症門診治療費用賠償
- HK$2,500 per Policy Year within 24 hours of the Accident
- 住院陪床
- HK$800 per day, maximum 180 days per Policy Year
- 家中看護
- HK$500 per day, maximum 180 days per Policy Year
- 醫療植入裝置 — 指定項目 (額外)
- —
- 醫療植入裝置 — 非指定項目
- —
No aggregate limit
HK$400,000／per policy year, 20% coinsurance
$1,450 per day, maximum 180 days per Policy Year
$18,000 per Policy Year
$1,450 per day, maximum 180 days per Policy Year
$6,000 per Policy Year
$4,000 per day, maximum 25 days per Policy Year
$ 6,500
$15,000
$30,000
$50,000
$30,000 per Policy Year. Subject to 30% Coinsurance.
$100,000 per Policy Year
$650, per visit, $4,000 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
$40,000 per Policy Year
$800 per day, maximum 180 days per Policy Year
$20,000 per Policy Year
$50,000 per Policy Year
$100,000 per Policy Year
$50,000 per Policy Year
$500 per day, maximum 180 days per Policy Year
$2,500 per Policy Year within 24 hours of the Accident
中銀靈活自願醫保計劃認可產品 - 基本計劃+附加重症住院保障+升級保障1
- VHIS cert no.
- F00028-01-005-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- Under age 76: No aggregate limitAge 76+: HK$450,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- HK$400,000 · Coinsurance 20% (Per policy year)
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,450 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$18,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,450 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$4,000 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$ 6,500
- 外科醫生費 — 中型
- HK$15,000
- 外科醫生費 — 大型
- HK$30,000
- 外科醫生費 — 複雜
- HK$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
- HK$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$100,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$650 per visit, HK$4,000 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Mainland China / Hong Kong / Macau only
- HK$40,000 per Policy Year
Extra Benefits
- 門診洗腎
- HK$100,000 per Policy Year
- 主要癌症額外保障
- HK$50,000 per Policy Year
- 醫療植入裝置
- HK$20,000 per Policy Year
- 懷孕併發症
- HK$50,000 per Policy Year
- 訂明非手術癌症治療
- Subject to Coinsurance: 20% (i.e. 80% reimbursement rate)Annual benefit limit: aged 75 or below: HK$400,000 per Policy Yearaged 76 or above: HK$100,000 per Policy Year
- 意外急症門診治療費用賠償
- HK$2,500 per Policy Year within 24 hours of the Accident
- 住院陪床
- HK$800 per day, maximum 180 days per Policy Year
- 家中看護
- HK$500 per day, maximum 180 days per Policy Year
- 醫療植入裝置 — 指定項目 (額外)
- $100,000(shared)
- 醫療植入裝置 — 非指定項目
- $100,000(shared)
No aggregate limit
Under age 76: HK$400,000 Age 76+: HK$100,000 per policy year · 20% coinsurance
$1,450 per day, maximum 180 days per Policy Year
$18,000 per Policy Year
$1,450 per day, maximum 180 days per Policy Year
$6,000 per Policy Year
$4,000 per day, maximum 25 days per Policy Year
$ 6,500
$15,000
$30,000
$50,000
$30,000 per Policy Year. Subject to 30% Coinsurance.
$100,000 per Policy Year
$650, per visit, $4,000 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
$40,000 per Policy Year
$800 per day, maximum 180 days per Policy Year
$20,000 per Policy Year
$50,000 per Policy Year
$100,000 per Policy Year
$50,000 per Policy Year
$500 per day, maximum 180 days per Policy Year
$2,500 per Policy Year within 24 hours of the Accident
$100,000 per Policy Year Shared cap: HK$100,000
$50,000 per Policy Year Shared cap: HK$100,000
Subject to 20% Coinsurance (i.e. 80% reimbursement rate). Annual benefit limit: aged 75 or below: $400,000 per Policy Year; aged 76 or above: $100,000 per Policy Year
中銀靈活自願醫保計劃認可產品 - 基本計劃+附加重症住院保障+升級保障2
- VHIS cert no.
- F00028-01-006-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- Under age 76: No aggregate limitAge 76+: HK$450,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- HK$400,000 · Coinsurance 20% (Per policy year)
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,450 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$18,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,450 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$4,000 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$ 6,500
- 外科醫生費 — 中型
- HK$15,000
- 外科醫生費 — 大型
- HK$30,000
- 外科醫生費 — 複雜
- HK$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
- HK$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$100,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$650 per visit, HK$4,000 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Mainland China / Hong Kong / Macau only
- HK$40,000 per Policy Year
Extra Benefits
- 門診洗腎
- HK$100,000 per Policy Year
- 主要癌症額外保障
- HK$50,000 per Policy Year
- 醫療植入裝置
- HK$20,000 per Policy Year
- 懷孕併發症
- HK$50,000 per Policy Year
- 訂明非手術癌症治療
- Subject to Coinsurance: 20% (i.e. 80% reimbursement rate)Annual benefit limit: aged 75 or below: HK$400,000 per Policy Yearaged 76 or above: HK$100,000 per Policy Year
- 意外急症門診治療費用賠償
- HK$2,500 per Policy Year within 24 hours of the Accident
- 住院陪床
- HK$800 per day, maximum 180 days per Policy Year
- 家中看護
- HK$500 per day, maximum 180 days per Policy Year
- 醫療植入裝置 — 指定項目 (額外)
- $200,000(shared)
- 醫療植入裝置 — 非指定項目
- $200,000(shared)
No aggregate limit
Under age 76: HK$400,000 Age 76+: HK$100,000 per policy year · 20% coinsurance
$1,450 per day, maximum 180 days per Policy Year
$18,000 per Policy Year
$1,450 per day, maximum 180 days per Policy Year
$6,000 per Policy Year
$4,000 per day, maximum 25 days per Policy Year
$ 6,500
$15,000
$30,000
$50,000
$30,000 per Policy Year. Subject to 30% Coinsurance.
$100,000 per Policy Year
$650, per visit, $4,000 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
$40,000 per Policy Year
$800 per day, maximum 180 days per Policy Year
$20,000 per Policy Year
$50,000 per Policy Year
$100,000 per Policy Year
$50,000 per Policy Year
$500 per day, maximum 180 days per Policy Year
$2,500 per Policy Year within 24 hours of the Accident
$200,000 per Policy Year Shared cap: HK$200,000
$100,000 per Policy Year Shared cap: HK$200,000
Subject to 20% Coinsurance (i.e. 80% reimbursement rate). Annual benefit limit: aged 75 or below: $400,000 per Policy Year; aged 76 or above: $100,000 per Policy Year
中銀靈活自願醫保計劃認可產品 - 基本計劃+附加重症住院保障+升級保障3
- VHIS cert no.
- F00028-01-007-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- Under age 76: No aggregate limitAge 76+: HK$450,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- HK$400,000 · Coinsurance 20% (Per policy year)
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,450 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$18,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,450 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$4,000 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$ 6,500
- 外科醫生費 — 中型
- HK$15,000
- 外科醫生費 — 大型
- HK$30,000
- 外科醫生費 — 複雜
- HK$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
- HK$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$100,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$650 per visit, HK$4,000 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Mainland China / Hong Kong / Macau only
- HK$40,000 per Policy Year
Extra Benefits
- 門診洗腎
- HK$100,000 per Policy Year
- 主要癌症額外保障
- HK$50,000 per Policy Year
- 醫療植入裝置
- HK$20,000 per Policy Year
- 懷孕併發症
- HK$50,000 per Policy Year
- 訂明非手術癌症治療
- Subject to Coinsurance: 20% (i.e. 80% reimbursement rate)Annual benefit limit: aged 75 or below: HK$400,000 per Policy Yearaged 76 or above: HK$100,000 per Policy Year
- 意外急症門診治療費用賠償
- HK$2,500 per Policy Year within 24 hours of the Accident
- 住院陪床
- HK$800 per day, maximum 180 days per Policy Year
- 家中看護
- HK$500 per day, maximum 180 days per Policy Year
- 醫療植入裝置 — 指定項目 (額外)
- $300,000(shared)
- 醫療植入裝置 — 非指定項目
- $300,000(shared)
No aggregate limit
Under age 76: HK$400,000 Age 76+: HK$100,000 per policy year · 20% coinsurance
$1,450 per day, maximum 180 days per Policy Year
$18,000 per Policy Year
$1,450 per day, maximum 180 days per Policy Year
$6,000 per Policy Year
$4,000 per day, maximum 25 days per Policy Year
$ 6,500
$15,000
$30,000
$50,000
$30,000 per Policy Year. Subject to 30% Coinsurance.
$100,000 per Policy Year
$650, per visit, $4,000 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
$40,000 per Policy Year
$800 per day, maximum 180 days per Policy Year
$20,000 per Policy Year
$50,000 per Policy Year
$100,000 per Policy Year
$50,000 per Policy Year
$500 per day, maximum 180 days per Policy Year
$2,500 per Policy Year within 24 hours of the Accident
$300,000 per Policy Year Shared cap: HK$300,000
$150,000 per Policy Year Shared cap: HK$300,000
Subject to 20% Coinsurance (i.e. 80% reimbursement rate). Annual benefit limit: aged 75 or below: $400,000 per Policy Year; aged 76 or above: $100,000 per Policy Year
“No overall limit”: individual items still have limits. “—”: the item does not apply to that plan, or the benefit schedule does not list it separately (e.g. it is split by surgery category); this does not necessarily mean it is never paid. “Not listed”: we could not confirm it from the plan documents.