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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, deductibles merged, sorted from basic to comprehensive)
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項目
Highlights
VHIS cert no.
S00032-01-000-02Benefits PDFPremiums PDF
F00043-04-000-02Benefits PDFPremiums PDF
F00043-03-000-02Benefits PDFPremiums PDF
F00043-03-001-02Benefits PDFPremiums PDF
F00043-03-002-02Benefits PDFPremiums PDF
F00043-02-000-02Benefits PDFPremiums PDF
F00043-02-001-02Benefits PDFPremiums PDF
F00043-02-002-02Benefits PDFPremiums PDF
F00043-01-000-02Benefits PDFPremiums PDF
F00043-01-001-02Benefits PDFPremiums PDF
F00043-01-002-02Benefits PDFPremiums PDF
F00014-01-000-02Benefits PDFPremiums PDF
F00073-01-000-01Benefits PDFPremiums PDF
F00073-02-000-01Benefits PDFPremiums PDF
F00073-03-000-01Benefits PDFPremiums PDF
F00073-04-000-01Benefits PDFPremiums PDF
F00073-05-000-01Benefits PDFPremiums PDF
F00073-06-000-01Benefits PDFPremiums PDF
F00073-07-000-01Benefits PDFPremiums PDF
F00073-08-000-01Benefits PDFPremiums PDF
F00059-01-000-01Benefits PDFPremiums PDF
F00059-02-000-01Benefits PDFPremiums PDF
F00059-03-000-01Benefits PDFPremiums PDF
F00059-04-000-01Benefits PDFPremiums PDF
F00059-05-000-01Benefits PDFPremiums PDF
F00059-06-000-01Benefits PDFPremiums PDF
F00059-07-000-01Benefits PDFPremiums PDF
F00059-08-000-01Benefits PDFPremiums PDF
Plan type
Standard
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Coverage region
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Asia incl. AU/NZ
Worldwide
Asia incl. AU/NZ
Worldwide
Ward
N/A (capped)
Ward
Ward
Ward
Ward
Semi-Private Room
Semi-Private Room
Semi-Private Room
Standard Private Room
Standard Private Room
Standard Private Room
Ward
Semi-Private Room
Semi-Private Room
Semi-Private Room
Semi-Private Room
Lifetime limit
—
—
—
—
—
—
—
—
—
—
—
—
Annual limit
Per illness
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
SMM top-up
—
—
—
—
—
—
—
—
—
No-Claim Bonus
—
5% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
—
7.5% × 2 yrs
12.5% × 3 yrs
15% × 5 yrs
20% × 6 yrs+
7.5% × 2 yrs
12.5% × 3 yrs
15% × 5 yrs
20% × 6 yrs+
5% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
Deductible
—
—
—
—
—
—
—
—
—
—
—
—
Version
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Jan 1, 2026
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
$800 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$2,200 per day, maximum 180 days per Policy Year
$2,200 per day, maximum 180 days per Policy Year
$2,200 per day, maximum 180 days per Policy Year
$4,000 per day, maximum 180 days per Policy Year
$4,000 per day, maximum 180 days per Policy Year
$4,000 per day, maximum 180 days per Policy Year
$1,500 per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(b) Miscellaneous charges
$14,000 per Policy Year
$14,000 per Policy Year
$22,000 per Policy Year
$22,000 per Policy Year
$22,000 per Policy Year
$27,500 per Policy Year
$27,500 per Policy Year
$27,500 per Policy Year
$42,000 per Policy Year
$42,000 per Policy Year
$42,000 per Policy Year
$22,500 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
$750 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$2,200 per day, maximum 180 days per Policy Year
$2,200 per day, maximum 180 days per Policy Year
$2,200 per day, maximum 180 days per Policy Year
$4,000 per day, maximum 180 days per Policy Year
$4,000 per day, maximum 180 days per Policy Year
$4,000 per day, maximum 180 days per Policy Year
$1,500 per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(d) Specialist's fee
$4,300 per Policy Year
$4,300 per Policy Year
$6,300 per Policy Year
$6,300 per Policy Year
$6,300 per Policy Year
$7,400 per Policy Year
$7,400 per Policy Year
$7,400 per Policy Year
$10,000 per Policy Year
$10,000 per Policy Year
$10,000 per Policy Year
$6,800 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
$3,500 per day, maximum 30 days per Policy Year
$5,600 per day, maximum 30 days per Policy Year
$5,600 per day, maximum 30 days per Policy Year
$5,600 per day, maximum 30 days per Policy Year
$6,600 per day, maximum 30 days per Policy Year
$6,600 per day, maximum 30 days per Policy Year
$6,600 per day, maximum 30 days per Policy Year
$10,000 per day, maximum 30 days per Policy Year
$10,000 per day, maximum 30 days per Policy Year
$10,000 per day, maximum 30 days per Policy Year
$5,600 per day, maximum 25 days per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(f) Surgeon's fee
—
—
—
—
—
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Surgeon's fee — Minor
$5,000
$5,000
$7,000
$7,000
$7,000
$9,000
$9,000
$9,000
$12,000
$12,000
$12,000
$7,000
—
—
—
—
Surgeon's fee — Intermediate
$12,500
$12,500
$18,000
$18,000
$18,000
$22,000
$22,000
$22,000
$30,000
$30,000
$30,000
$17,500
—
—
—
—
Surgeon's fee — Major
$25,000
$25,000
$35,000
$35,000
$35,000
$40,000
$40,000
$40,000
$50,000
$50,000
$50,000
$35,000
—
—
—
—
Surgeon's fee — Complex
$50,000
$50,000
$90,000
$90,000
$90,000
$120,000
$120,000
$120,000
$150,000
$150,000
$150,000
$80,000
—
—
—
—
(g) Anaesthetist's fee
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(h) Operating theatre charges
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$30,000 per Policy Year. Subject to 30% Coinsurance.
$30,000 per Policy Year. Subject to 30% Coinsurance.
$30,000 per Policy Year. Subject to 30% Coinsurance.
$40,000 per Policy Year. Subject to 30% Coinsurance.
$40,000 per Policy Year. Subject to 30% Coinsurance.
$40,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
$80,000 per Policy Year
$80,000 per Policy Year
$80,000 per Policy Year
$80,000 per Policy Year
$100,000 per Policy Year
$100,000 per Policy Year
$100,000 per Policy Year
$120,000 per Policy Year
$120,000 per Policy Year
$120,000 per Policy Year
$80,000 per Policy Year (this benefit limit is shared between I. Basic Benefits item (j), II. Additional Benefits items (a) and (b))
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
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
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
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
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) Psychiatric treatments
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$35,000 per Policy Year
$35,000 per Policy Year
$35,000 per Policy Year
$40,000 per Policy Year
$40,000 per Policy Year
$40,000 per Policy Year
$30,000 per Policy Year
$40,000 per Policy Year
$40,000 per Policy Year
$60,000 per Policy Year
$60,000 per Policy Year
Extra Benefits Extra
Accident-related
Emergency dental benefit (Accident only)
—
—
—
—
—
—
—
—
—
—
—
—
Full reimbursement of Eligible Expenses within 3 months of the Accident
Full reimbursement of Eligible Expenses within 3 months of the Accident
Full reimbursement of Eligible Expenses within 3 months of the Accident
Full reimbursement of Eligible Expenses within 3 months of the Accident
Emergency outpatient treatment for Accident
—
$2,500 per Policy Year within 24 hours of the Accident
$7,000 per Policy Year within 24 hours of the Accident
$7,000 per Policy Year within 24 hours of the Accident
$7,000 per Policy Year within 24 hours of the Accident
$11,000 per Policy Year within 24 hours of the Accident
$11,000 per Policy Year within 24 hours of the Accident
$11,000 per Policy Year within 24 hours of the Accident
$15,000 per Policy Year within 24 hours of the Accident
$15,000 per Policy Year within 24 hours of the Accident
$15,000 per Policy Year within 24 hours of the Accident
$2,500 per Policy Year within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Inpatient-related
Organ transplant donor benefit
—
—
—
—
—
—
—
—
—
—
—
—
30% of the total transplant cost (only for heart, kidney, liver, lung or bone marrow transplants performed in Hong Kong)
30% of the total transplant cost (only for heart, kidney, liver, lung or bone marrow transplants performed in Hong Kong)
30% of the total transplant cost (only for heart, kidney, liver, lung or bone marrow transplants performed in Hong Kong)
30% of the total transplant cost (only for heart, kidney, liver, lung or bone marrow transplants performed in Hong Kong)
Complications of pregnancy
—
—
—
—
—
—
—
—
—
—
—
—
$100,000 per Policy Year
$100,000 per Policy Year
$180,000 per Policy Year
$180,000 per Policy Year
Hospital companion bed fee reimbursement
—
$800 per day, maximum 90 days per Policy Year
$860 per day, maximum 90 days per Policy Year
$860 per day, maximum 90 days per Policy Year
$860 per day, maximum 90 days per Policy Year
$2,040 per day, maximum 90 days per Policy Year
$2,040 per day, maximum 90 days per Policy Year
$2,040 per day, maximum 90 days per Policy Year
$3,400 per day, maximum 90 days per Policy Year
$3,400 per day, maximum 90 days per Policy Year
$3,400 per day, maximum 90 days per Policy Year
$680 per day, maximum 90 days per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Private nursing fee (during Confinement)
—
$800 per day, maximum 90 days per Policy Year
$860 per day, maximum 90 days per Policy Year
$860 per day, maximum 90 days per Policy Year
$860 per day, maximum 90 days per Policy Year
$2,040 per day, maximum 90 days per Policy Year
$2,040 per day, maximum 90 days per Policy Year
$2,040 per day, maximum 90 days per Policy Year
$3,400 per day, maximum 90 days per Policy Year
$3,400 per day, maximum 90 days per Policy Year
$3,400 per day, maximum 90 days per Policy Year
$680 per day, maximum 90 days per Policy Year
Full reimbursement of Eligible Expenses, services provided by 1 registered nurse per day, maximum 30 days per Policy Year
Full reimbursement of Eligible Expenses, services provided by 1 registered nurse per day, maximum 30 days per Policy Year
Full reimbursement of Eligible Expenses, maximum 120 days per Policy Year
Full reimbursement of Eligible Expenses, maximum 120 days per Policy Year
Isolation ward charges benefit
—
$1,000 per day, maximum 30 days per Policy Year
$1,000 per day, maximum 30 days per Policy Year
$1,000 per day, maximum 30 days per Policy Year
$1,000 per day, maximum 30 days per Policy Year
$1,000 per day, maximum 30 days per Policy Year
$1,000 per day, maximum 30 days per Policy Year
$1,000 per day, maximum 30 days per Policy Year
$1,000 per day, maximum 30 days per Policy Year
$1,000 per day, maximum 30 days per Policy Year
$1,000 per day, maximum 30 days per Policy Year
—
—
—
—
—
Outpatient-related
Post-stroke rehabilitation visits
—
—
—
—
—
—
—
—
—
—
—
—
—
—
$1,000 per visit, 1 per day, maximum 30 days per Policy Year, aggregate maximum $100,000 per Accident
$1,000 per visit, 1 per day, maximum 30 days per Policy Year, aggregate maximum $100,000 per Accident
Post-stroke home equipment upgrade
—
—
—
—
—
—
—
—
—
—
—
—
—
—
$80,000 per Accident
$80,000 per Accident
Cancer / cardiac / stroke rehabilitation benefit
—
$50,000 per Policy Year
$80,000 per Policy Year
$80,000 per Policy Year
$80,000 per Policy Year
$100,000 per Policy Year
$100,000 per Policy Year
$100,000 per Policy Year
$120,000 per Policy Year
$120,000 per Policy Year
$120,000 per Policy Year
—
$1,800 per day, maximum 30 days per Policy Year (within the post-discharge window)
$1,800 per day, maximum 30 days per Policy Year (within the post-discharge window)
$1,800 per day, maximum 90 days per Policy Year (within the post-discharge window)
$1,800 per day, maximum 90 days per Policy Year (within the post-discharge window)
Outpatient kidney dialysis
—
$50,000 per Policy Year
$80,000 per Policy Year
$80,000 per Policy Year
$80,000 per Policy Year
$100,000 per Policy Year
$100,000 per Policy Year
$100,000 per Policy Year
$120,000 per Policy Year
$120,000 per Policy Year
$120,000 per Policy Year
$80,000 per Policy Year (this benefit limit is shared between I. Basic Benefits item (j), II. Additional Benefits items (a) and (b))
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Hospice and palliative care benefit
—
—
—
—
—
—
—
—
—
—
—
—
$100,000 per Policy Year
$100,000 per Policy Year
$100,000 per Policy Year
$100,000 per Policy Year
Daily post-surgery home nursing benefit
—
$800 per day, maximum 90 days per Policy Year
$860 per day, maximum 90 days per Policy Year
$860 per day, maximum 90 days per Policy Year
$860 per day, maximum 90 days per Policy Year
$2,040 per day, maximum 90 days per Policy Year
$2,040 per day, maximum 90 days per Policy Year
$2,040 per day, maximum 90 days per Policy Year
$3,400 per day, maximum 90 days per Policy Year
$3,400 per day, maximum 90 days per Policy Year
$3,400 per day, maximum 90 days per Policy Year
$680 per day, maximum 90 days per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses, services provided by 1 registered nurse per day, maximum 90 days per Policy Year (within the post-discharge window after surgery or Intensive Care Unit stay)
Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year (within the post-discharge window following surgery or Intensive Care Unit stay)
Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year (within the post-discharge window following surgery or Intensive Care Unit stay)
Chinese Medicine Practitioner outpatient care
—
$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
$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
$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
$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
$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
$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
$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
$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
$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
$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
—
$400 per visit• 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$400 per visit• 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$600 per visit• 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$600 per visit• 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure
Outpatient sleep apnoea testing benefit
—
—
—
—
—
—
—
—
—
—
—
—
—
—
$10,000 per sleep apnoea diagnosis
$10,000 per sleep apnoea diagnosis
Cancer-related
Reconstructive surgery for specified conditions
—
—
—
—
—
—
—
—
—
—
—
—
$160,000 per Accident or per mastectomy
$160,000 per Accident or per mastectomy
$180,000 per Accident or per mastectomy
$180,000 per Accident or per mastectomy
Reconstructive surgery medical device benefit
—
—
—
—
—
—
—
—
—
—
—
—
$50,000 per item per Policy Year
$50,000 per item per Policy Year
$100,000 per item per Policy Year
$100,000 per item per Policy Year
Cash Benefits Cash
Daily hospital cash supplement
$400 per day, maximum 10 days per Policy Year
$400 per day, maximum 45 days per Policy Year
$425 per day, maximum 45 days per Policy Year
$425 per day, maximum 45 days per Policy Year
$425 per day, maximum 45 days per Policy Year
$1,010 per day, maximum 45 days per Policy Year
$1,010 per day, maximum 45 days per Policy Year
$1,010 per day, maximum 45 days per Policy Year
$1,700 per day, maximum 45 days per Policy Year
$1,700 per day, maximum 45 days per Policy Year
$1,700 per day, maximum 45 days per Policy Year
$800 per day, maximum 10 days per Policy Year
—
—
$1,600 per day, maximum 60 days per Policy Year
$1,600 per day, maximum 60 days per Policy Year
Day surgery cash benefit
—
$1,000 per Day Case Procedure
$1,000 per Day Case Procedure
$1,000 per Day Case Procedure
$1,000 per Day Case Procedure
$1,000 per Day Case Procedure
$1,000 per Day Case Procedure
$1,000 per Day Case Procedure
$1,000 per Day Case Procedure
$1,000 per Day Case Procedure
$1,000 per Day Case Procedure
$800 per Day Case Procedure
$1,200 per Day Case Procedure
$1,200 per Day Case Procedure
$2,400 per Day Case Procedure
$2,400 per Day Case Procedure
Second-claim cash allowance
—
$500 per day during Confinement, maximum 90 days per Policy Year
$500 per day during Confinement, maximum 90 days per Policy Year
$500 per day during Confinement, maximum 90 days per Policy Year
$500 per day during Confinement, maximum 90 days per Policy Year
$600 per day during Confinement, maximum 90 days per Policy Year
$600 per day during Confinement, maximum 90 days per Policy Year
$600 per day during Confinement, maximum 90 days per Policy Year
$1,200 per day during Confinement, maximum 90 days per Policy Year
$1,200 per day during Confinement, maximum 90 days per Policy Year
$1,200 per day during Confinement, maximum 90 days per Policy Year
—
$800 per day during Confinement, maximum 60 days per Policy Year
$800 per day during Confinement, maximum 60 days per Policy Year
$1,200 per day during Confinement, maximum 60 days per Policy Year
$1,200 per day during Confinement, maximum 60 days per Policy Year
Daily ICU confinement cash benefit (Hong Kong)
—
—
—
—
—
—
—
—
—
—
—
—
$1,000 per day, maximum 30 days per Policy Year
$1,000 per day, maximum 30 days per Policy Year
—
—
Event Benefits Event
Stroke disability allowance benefit
—
—
—
—
—
—
—
—
—
—
—
—
—
—
$7,500 per month, maximum 24 months per Accident
$7,500 per month, maximum 24 months per Accident
VHIS cert no.
S00032-01-000-02Benefits PDFPremiums PDF
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
—
No-Claim Bonus
—
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
—
Surgeon's fee — Minor
$5,000
Surgeon's fee — Intermediate
$12,500
Surgeon's fee — Major
$25,000
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
Accident-related
Emergency dental benefit (Accident only)
—
Emergency outpatient treatment for Accident
—
Inpatient-related
Organ transplant donor benefit
—
Complications of pregnancy
—
Hospital companion bed fee reimbursement
—
Private nursing fee (during Confinement)
—
Isolation ward charges benefit
—
Outpatient-related
Post-stroke rehabilitation visits
—
Post-stroke home equipment upgrade
—
Cancer / cardiac / stroke rehabilitation benefit
—
Outpatient kidney dialysis
—
Hospice and palliative care benefit
—
Daily post-surgery home nursing benefit
—
Chinese Medicine Practitioner outpatient care
—
Outpatient sleep apnoea testing benefit
—
Cancer-related
Reconstructive surgery for specified conditions
—
Reconstructive surgery medical device benefit
—
Cash Benefits Cash
Daily hospital cash supplement
$400
Day surgery cash benefit
—
Second-claim cash allowanceAfter other pays
—
Daily ICU confinement cash benefit (Hong Kong)
—
Event Benefits Event
Stroke disability allowance benefit
—
Plan 1 / 16
「只衛您」標準自願醫保計劃
CareForYou Standard Plan for VHIS
Entry-level PickVer. Jan 1, 2026
- VHIS cert no.
- S00032-01-000-02
- Plan Type
- Standard
- Coverage region
- Worldwide
- Ward class
- N/A (capped)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $5,000
- 外科醫生費 — 中型
- $12,500
- 外科醫生費 — 大型
- $25,000
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 重建手術的醫療裝置費用
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 門診洗腎
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- —
- 出院後 / 日間手術後的中醫門診治療
- —
- 非住院睡眠窒息症測試
- —
- 隔離病房費
- —
Cash Benefits Cash
- 額外現金補貼保障
- $400
- 日間手術現金惠益
- —
- 第二索償現金津貼
- —
- 於香港入住深切治療部的現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
Plan 2 / 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)
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00043-04-000-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$120,000／per policy year, 20% coinsurance
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $5,000
- 外科醫生費 — 中型
- $12,500
- 外科醫生費 — 大型
- $25,000
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 重建手術的醫療裝置費用
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- $50,000 per Policy Year
- 門診洗腎
- $50,000 per Policy Year
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $2,500 per Policy Year within 24 hours of the Accident
- 住院陪床
- $800 per day, maximum 90 days per Policy Year
- 私家看護費 (住院期間)
- $800 per day, maximum 90 days per Policy Year
- 善終服務
- —
- 家中看護
- $800 per day, maximum 90 days 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
- 非住院睡眠窒息症測試
- —
- 隔離病房費
- $1,000 per day, maximum 30 days per Policy Year
Cash Benefits Cash
- 額外現金補貼保障
- $400
- 日間手術現金惠益
- $1,000
- 第二索償現金津貼
- $500
- 於香港入住深切治療部的現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
Plan 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
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00043-03-000-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$540,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $7,000
- 外科醫生費 — 中型
- $18,000
- 外科醫生費 — 大型
- $35,000
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 重建手術的醫療裝置費用
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- $80,000 per Policy Year
- 門診洗腎
- $80,000 per Policy Year
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $7,000 per Policy Year within 24 hours of the Accident
- 住院陪床
- $860 per day, maximum 90 days per Policy Year
- 私家看護費 (住院期間)
- $860 per day, maximum 90 days per Policy Year
- 善終服務
- —
- 家中看護
- $860 per day, maximum 90 days 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
- 非住院睡眠窒息症測試
- —
- 隔離病房費
- $1,000 per day, maximum 30 days per Policy Year
Cash Benefits Cash
- 額外現金補貼保障
- $425
- 日間手術現金惠益
- $1,000
- 第二索償現金津貼
- $500
- 於香港入住深切治療部的現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
Plan 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)
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00043-03-001-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$540,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$300,000／per policy year
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $7,000
- 外科醫生費 — 中型
- $18,000
- 外科醫生費 — 大型
- $35,000
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 重建手術的醫療裝置費用
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- $80,000 per Policy Year
- 門診洗腎
- $80,000 per Policy Year
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $7,000 per Policy Year within 24 hours of the Accident
- 住院陪床
- $860 per day, maximum 90 days per Policy Year
- 私家看護費 (住院期間)
- $860 per day, maximum 90 days per Policy Year
- 善終服務
- —
- 家中看護
- $860 per day, maximum 90 days 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
- 非住院睡眠窒息症測試
- —
- 隔離病房費
- $1,000 per day, maximum 30 days per Policy Year
Cash Benefits Cash
- 額外現金補貼保障
- $425
- 日間手術現金惠益
- $1,000
- 第二索償現金津貼
- $500
- 於香港入住深切治療部的現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
Plan 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)
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00043-03-002-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$540,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$300,000／per policy year
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $7,000
- 外科醫生費 — 中型
- $18,000
- 外科醫生費 — 大型
- $35,000
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 重建手術的醫療裝置費用
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- $80,000 per Policy Year
- 門診洗腎
- $80,000 per Policy Year
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $7,000 per Policy Year within 24 hours of the Accident
- 住院陪床
- $860 per day, maximum 90 days per Policy Year
- 私家看護費 (住院期間)
- $860 per day, maximum 90 days per Policy Year
- 善終服務
- —
- 家中看護
- $860 per day, maximum 90 days 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
- 非住院睡眠窒息症測試
- —
- 隔離病房費
- $1,000 per day, maximum 30 days per Policy Year
Cash Benefits Cash
- 額外現金補貼保障
- $425
- 日間手術現金惠益
- $1,000
- 第二索償現金津貼
- $500
- 於香港入住深切治療部的現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
Plan 6 / 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
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00043-02-000-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$540,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $9,000
- 外科醫生費 — 中型
- $22,000
- 外科醫生費 — 大型
- $40,000
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 重建手術的醫療裝置費用
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- $100,000 per Policy Year
- 門診洗腎
- $100,000 per Policy Year
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $11,000 per Policy Year within 24 hours of the Accident
- 住院陪床
- $2,040 per day, maximum 90 days per Policy Year
- 私家看護費 (住院期間)
- $2,040 per day, maximum 90 days per Policy Year
- 善終服務
- —
- 家中看護
- $2,040 per day, maximum 90 days 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
- 非住院睡眠窒息症測試
- —
- 隔離病房費
- $1,000 per day, maximum 30 days per Policy Year
Cash Benefits Cash
- 額外現金補貼保障
- $1,010
- 日間手術現金惠益
- $1,000
- 第二索償現金津貼
- $600
- 於香港入住深切治療部的現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
Plan 7 / 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)
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00043-02-001-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$540,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$450,000／per policy year
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $9,000
- 外科醫生費 — 中型
- $22,000
- 外科醫生費 — 大型
- $40,000
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 重建手術的醫療裝置費用
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- $100,000 per Policy Year
- 門診洗腎
- $100,000 per Policy Year
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $11,000 per Policy Year within 24 hours of the Accident
- 住院陪床
- $2,040 per day, maximum 90 days per Policy Year
- 私家看護費 (住院期間)
- $2,040 per day, maximum 90 days per Policy Year
- 善終服務
- —
- 家中看護
- $2,040 per day, maximum 90 days 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
- 非住院睡眠窒息症測試
- —
- 隔離病房費
- $1,000 per day, maximum 30 days per Policy Year
Cash Benefits Cash
- 額外現金補貼保障
- $1,010
- 日間手術現金惠益
- $1,000
- 第二索償現金津貼
- $600
- 於香港入住深切治療部的現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
Plan 8 / 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)
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00043-02-002-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$540,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$450,000／per policy year
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $9,000
- 外科醫生費 — 中型
- $22,000
- 外科醫生費 — 大型
- $40,000
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 重建手術的醫療裝置費用
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- $100,000 per Policy Year
- 門診洗腎
- $100,000 per Policy Year
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $11,000 per Policy Year within 24 hours of the Accident
- 住院陪床
- $2,040 per day, maximum 90 days per Policy Year
- 私家看護費 (住院期間)
- $2,040 per day, maximum 90 days per Policy Year
- 善終服務
- —
- 家中看護
- $2,040 per day, maximum 90 days 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
- 非住院睡眠窒息症測試
- —
- 隔離病房費
- $1,000 per day, maximum 30 days per Policy Year
Cash Benefits Cash
- 額外現金補貼保障
- $1,010
- 日間手術現金惠益
- $1,000
- 第二索償現金津貼
- $600
- 於香港入住深切治療部的現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
Plan 9 / 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
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00043-01-000-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$830,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $12,000
- 外科醫生費 — 中型
- $30,000
- 外科醫生費 — 大型
- $50,000
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 重建手術的醫療裝置費用
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- $120,000 per Policy Year
- 門診洗腎
- $120,000 per Policy Year
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $15,000 per Policy Year within 24 hours of the Accident
- 住院陪床
- $3,400 per day, maximum 90 days per Policy Year
- 私家看護費 (住院期間)
- $3,400 per day, maximum 90 days per Policy Year
- 善終服務
- —
- 家中看護
- $3,400 per day, maximum 90 days 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
- 非住院睡眠窒息症測試
- —
- 隔離病房費
- $1,000 per day, maximum 30 days per Policy Year
Cash Benefits Cash
- 額外現金補貼保障
- $1,700
- 日間手術現金惠益
- $1,000
- 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
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
Plan 10 / 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)
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00043-01-001-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$830,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$600,000／per policy year
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $12,000
- 外科醫生費 — 中型
- $30,000
- 外科醫生費 — 大型
- $50,000
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 重建手術的醫療裝置費用
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- $120,000 per Policy Year
- 門診洗腎
- $120,000 per Policy Year
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $15,000 per Policy Year within 24 hours of the Accident
- 住院陪床
- $3,400 per day, maximum 90 days per Policy Year
- 私家看護費 (住院期間)
- $3,400 per day, maximum 90 days per Policy Year
- 善終服務
- —
- 家中看護
- $3,400 per day, maximum 90 days 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
- 非住院睡眠窒息症測試
- —
- 隔離病房費
- $1,000 per day, maximum 30 days per Policy Year
Cash Benefits Cash
- 額外現金補貼保障
- $1,700
- 日間手術現金惠益
- $1,000
- 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
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
Plan 11 / 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)
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00043-01-002-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$830,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$600,000／per policy year
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $12,000
- 外科醫生費 — 中型
- $30,000
- 外科醫生費 — 大型
- $50,000
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 重建手術的醫療裝置費用
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- $120,000 per Policy Year
- 門診洗腎
- $120,000 per Policy Year
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $15,000 per Policy Year within 24 hours of the Accident
- 住院陪床
- $3,400 per day, maximum 90 days per Policy Year
- 私家看護費 (住院期間)
- $3,400 per day, maximum 90 days per Policy Year
- 善終服務
- —
- 家中看護
- $3,400 per day, maximum 90 days 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
- 非住院睡眠窒息症測試
- —
- 隔離病房費
- $1,000 per day, maximum 30 days per Policy Year
Cash Benefits Cash
- 額外現金補貼保障
- $1,700
- 日間手術現金惠益
- $1,000
- 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
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
Plan 12 / 16
「只衛您」靈活自願醫保計劃
CareForYou Flexi Plan for VHIS
Step UpVer. Jan 1, 2026
- VHIS cert no.
- F00014-01-000-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$680,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits 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
- —
- 外科醫生費 — 小型
- $7,000
- 外科醫生費 — 中型
- $17,500
- 外科醫生費 — 大型
- $35,000
- 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 重建手術的醫療裝置費用
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 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))
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- $2,500 per Policy Year within 24 hours of the Accident
- 住院陪床
- $680 per day, maximum 90 days per Policy Year
- 私家看護費 (住院期間)
- $680 per day, maximum 90 days per Policy Year
- 善終服務
- —
- 家中看護
- $680 per day, maximum 90 days per Policy Year
- 出院後 / 日間手術後的中醫門診治療
- —
- 非住院睡眠窒息症測試
- —
- 隔離病房費
- —
Cash Benefits Cash
- 額外現金補貼保障
- $800
- 日間手術現金惠益
- $800
- 第二索償現金津貼
- —
- 於香港入住深切治療部的現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
Plan 13 / 16
藍十字「愛自己」自願醫保計劃 (亞洲及澳紐)
Blue Cross Love Yourself VHIS Plan
High-endVer. Jan 1, 2026
- VHIS cert no.
- F00073-01-000-01F00073-02-000-01F00073-03-000-01F00073-04-000-01
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$6,000,000
- Lifetime benefit limit
- HK$40,000,000
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $20K / $40K / $80K
Basic Benefits 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
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 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
Extra Benefits Extra
- 指定重建手術保障
- $160,000
- 重建手術的醫療裝置費用
- $50,000
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- $1,800 per day, maximum 30 days per Policy Year (within the post-discharge window)
- 門診洗腎
- Full reimbursement
- 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)
- 懷孕併發症
- $100,000
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, services provided by 1 registered nurse per day, maximum 30 days per Policy Year
- 善終服務
- $100,000
- 家中看護
- Full reimbursement
- 出院後 / 日間手術後的中醫門診治療
- $400
- 非住院睡眠窒息症測試
- —
- 隔離病房費
- —
Cash Benefits Cash
- 額外現金補貼保障
- —
- 日間手術現金惠益
- $1,200
- 第二索償現金津貼
- $800
- 於香港入住深切治療部的現金保障
- $1,000
Event Benefits Event
- 中風傷殘津貼保障
- —
Plan 14 / 16
藍十字「愛自己」自願醫保計劃 (全球)
Blue Cross Love Yourself VHIS Plan
High-endVer. Jan 1, 2026
- VHIS cert no.
- F00073-05-000-01F00073-06-000-01F00073-07-000-01F00073-08-000-01
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$6,000,000
- Lifetime benefit limit
- HK$40,000,000
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $20K / $40K / $80K
Basic Benefits 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
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 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
Extra Benefits Extra
- 指定重建手術保障
- $160,000
- 重建手術的醫療裝置費用
- $50,000
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- $1,800 per day, maximum 30 days per Policy Year (within the post-discharge window)
- 門診洗腎
- Full reimbursement
- 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)
- 懷孕併發症
- $100,000
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, services provided by 1 registered nurse per day, maximum 30 days per Policy Year
- 善終服務
- $100,000
- 家中看護
- Full reimbursement of Eligible Expenses, services provided by 1 registered nurse per day, maximum 90 days per Policy Year (within the post-discharge window after surgery or Intensive Care Unit stay)
- 出院後 / 日間手術後的中醫門診治療
- $400
- 非住院睡眠窒息症測試
- —
- 隔離病房費
- —
Cash Benefits Cash
- 額外現金補貼保障
- —
- 日間手術現金惠益
- $1,200
- 第二索償現金津貼
- $800
- 於香港入住深切治療部的現金保障
- $1,000
Event Benefits Event
- 中風傷殘津貼保障
- —
Plan 15 / 16
藍十字尊悅自願醫保計劃 (亞洲及澳紐)
Blue Cross Dynasty VHIS Plan
High-endVer. Jan 1, 2026
- VHIS cert no.
- F00059-01-000-01F00059-02-000-01F00059-03-000-01F00059-04-000-01
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$10,000,000
- Lifetime benefit limit
- HK$48,000,000
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $20K / $40K / $80K
Basic Benefits 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
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 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
Extra Benefits Extra
- 指定重建手術保障
- $180,000
- 重建手術的醫療裝置費用
- $100,000
- 中風復康治療
- $1,000 per visit, 1 per day, maximum 30 days per Policy Year, aggregate maximum $100,000 per Accident
- 中風家居設備提升
- $80,000
- 復康保障
- $1,800 per day, maximum 90 days per Policy Year (within the post-discharge window)
- 門診洗腎
- Full reimbursement
- 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)
- 懷孕併發症
- $180,000
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 120 days per Policy Year
- 善終服務
- $100,000
- 家中看護
- Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year (within the post-discharge window following surgery or Intensive Care Unit stay)
- 出院後 / 日間手術後的中醫門診治療
- $600
- 非住院睡眠窒息症測試
- $10,000
- 隔離病房費
- —
Cash Benefits Cash
- 額外現金補貼保障
- $1,600
- 日間手術現金惠益
- $2,400
- 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
- —
Event Benefits Event
- 中風傷殘津貼保障
- $7,500 per month, maximum 24 months per Accident
Plan 16 / 16
藍十字尊悅自願醫保計劃 (全球)
Blue Cross Dynasty VHIS Plan
High-endVer. Jan 1, 2026
- VHIS cert no.
- F00059-05-000-01F00059-06-000-01F00059-07-000-01F00059-08-000-01
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$10,000,000
- Lifetime benefit limit
- HK$48,000,000
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $20K / $40K / $80K
Basic Benefits 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
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 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
Extra Benefits Extra
- 指定重建手術保障
- $180,000
- 重建手術的醫療裝置費用
- $100,000
- 中風復康治療
- $1,000 per visit, 1 per day, maximum 30 days per Policy Year, aggregate maximum $100,000 per Accident
- 中風家居設備提升
- $80,000
- 復康保障
- $1,800 per day, maximum 90 days per Policy Year (within the post-discharge window)
- 門診洗腎
- Full reimbursement
- 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)
- 懷孕併發症
- $180,000
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 120 days per Policy Year
- 善終服務
- $100,000
- 家中看護
- Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year (within the post-discharge window following surgery or Intensive Care Unit stay)
- 出院後 / 日間手術後的中醫門診治療
- $600
- 非住院睡眠窒息症測試
- $10,000
- 隔離病房費
- —
Cash Benefits Cash
- 額外現金補貼保障
- $1,600
- 日間手術現金惠益
- $2,400
- 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
- —
Event Benefits Event
- 中風傷殘津貼保障
- $7,500 per month, maximum 24 months per Accident