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China Life Insurance (Overseas) Company Limited — same-insurer plan comparison
China Life Insurance (Overseas) Company Limited · 6 plan series (6 variants, sorted from basic to comprehensive)
項目
Highlights
VHIS cert no.
S00021-01-000-02Benefits PDFPremiums PDF
F00024-01-000-03Benefits PDFPremiums PDF
F00030-01-000-03Benefits PDFPremiums PDF
F00030-01-001-03Benefits PDFPremiums PDF
F00030-02-000-03Benefits PDFPremiums PDF
F00030-02-001-03Benefits PDFPremiums PDF
Plan type
Standard
Flexi
Flexi
Flexi
Flexi
Flexi
Coverage region
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Ward
N/A (capped)
Ward
Semi-Private Room
Semi-Private Room
Standard Private Room
Standard Private Room
Lifetime limit
—
—
—
—
—
—
Annual limit
Per illness
—
—
—
—
—
—
SMM top-up
—
—
—
No-Claim Bonus
—
15% (consecutive 3 yrs)
15% (consecutive 3 yrs)
15% (consecutive 3 yrs)
15% (consecutive 3 yrs)
15% (consecutive 3 yrs)
Deductible
—
—
—
—
—
—
Version
Apr 1, 2021
Jun 1, 2026
Jun 1, 2026
Jun 1, 2026
Jun 1, 2026
Jun 1, 2026
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
$1,200 per day, maximum 180 days per Policy Year
$2,500 per day, maximum 270 days per Policy Year
$2,500 per day, maximum 270 days per Policy Year
$4,500 per day, maximum 270 days per Policy Year
$4,500 per day, maximum 270 days per Policy Year
(b) Miscellaneous charges
$14,000 per Policy Year
$16,000 per Policy Year
$24,000 per Policy Year
$24,000 per Policy Year
$35,000 per Policy Year
$35,000 per Policy Year
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$2,000 per day, maximum 270 days per Policy Year
$2,000 per day, maximum 270 days per Policy Year
$4,000 per day, maximum 270 days per Policy Year
$4,000 per day, maximum 270 days per Policy Year
(d) Specialist's fee
$4,300 per Policy Year
$4,600 per Policy Year
$6,000 per Policy Year
$6,000 per Policy Year
$12,000 per Policy Year
$12,000 per Policy Year
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
$4,600 per day, maximum 25 days per Policy Year
$6,000 per day, maximum 90 days per Policy Year
$6,000 per day, maximum 90 days per Policy Year
$9,000 per day, maximum 90 days per Policy Year
$9,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
$5,000
$ 5,500
$ 8,600
$ 8,600
$ 12,000
$ 12,000
Surgeon's fee — Intermediate
$12,500
$14,000
$25,800
$25,800
$36,000
$36,000
Surgeon's fee — Major
$25,000
$28,000
$43,000
$43,000
$60,000
$60,000
Surgeon's fee — Complex
$50,000
$55,000
$86,000
$86,000
$120,000
$120,000
(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
(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
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
$25,000 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.
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
$100,000 per Policy Year
$150,000 per Policy Year
$150,000 per Policy Year
$200,000 per Policy Year
$200,000 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
$1,100, per visit, $5,000 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
$1,400, per visit, $6,000 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
$1,400, per visit, $6,000 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
$2,000, per visit, $8,000 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
$2,000, per visit, $8,000 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
$30,000 per Policy Year
$35,000 per Policy Year
$35,000 per Policy Year
$40,000 per Policy Year
$40,000 per Policy Year
Extra Benefits Extra
Accident-related
Emergency outpatient treatment for Accident
—
$10,000 per Policy Year within 24 hours of the Accident
$16,000 per Policy Year
$16,000 per Policy Year
$24,000 per Policy Year
$24,000 per Policy Year
Inpatient-related
Organ transplant donor benefit
—
—
$800,000 per Policy Year
$800,000 per Policy Year
$900,000 per Policy Year
$900,000 per Policy Year
Hospital companion bed fee reimbursement
—
Full reimbursement (no sub-limit). Maximum 180 days per Policy Year
Full reimbursement (no sub-limit). Maximum 180 days per Policy Year
Full reimbursement (no sub-limit). Maximum 180 days per Policy Year
Full reimbursement (no sub-limit). Maximum 180 days per Policy Year
Full reimbursement (no sub-limit). Maximum 180 days per Policy Year
Outpatient-related
Cancer / cardiac / stroke rehabilitation benefit
—
—
$30,000 per Policy Year
$30,000 per Policy Year
$50,000 per Policy Year
$50,000 per Policy Year
Outpatient kidney dialysis
—
$50,000 per Policy Year, maximum 60 days per Policy Year
$80,000 per Policy Year, maximum 60 days per Policy Year
$80,000 per Policy Year, maximum 60 days per Policy Year
$150,000 per Policy Year, maximum 60 days per Policy Year
$150,000 per Policy Year, maximum 60 days per Policy Year
Daily post-surgery home nursing benefit
—
$500 per visit• Maximum 30 visits per Policy Year• Up to 1 per day• Within 90 days after discharge from Hospital
$800 per visit• Maximum 30 visits per Policy Year• Up to 1 per day• Within 90 days after discharge from Hospital
$800 per visit• Maximum 30 visits per Policy Year• Up to 1 per day• Within 90 days after discharge from Hospital
$1,600 per visit• Maximum 30 visits per Policy Year• Up to 1 per day• Within 90 days after discharge from Hospital
$1,600 per visit• Maximum 30 visits per Policy Year• Up to 1 per day• Within 90 days after discharge from Hospital
Event / Lump sum
Death benefit due to medical incident
—
$100,000
$200,000
$200,000
$400,000
$400,000
Cash Benefits Cash
Second claim cash benefit
—
$300 per day• Maximum 10 days per Policy Year• $3,000 per Policy Year
$300 per day• Maximum 20 days per Policy Year• $6,000 per Policy Year
$300 per day• Maximum 20 days per Policy Year• $6,000 per Policy Year
$300 per day• Maximum 30 days per Policy Year• $9,000 per Policy Year
$300 per day• Maximum 30 days per Policy Year• $9,000 per Policy Year
GBA Designated Hospital Designated Surgery Cash Benefit
—
$500 per designated surgery• Maximum 2 times per Policy Year• Up to 1 per day
$1,000 per designated surgery• Maximum 2 times per Policy Year• Up to 1 per day
$1,000 per designated surgery• Maximum 2 times per Policy Year• Up to 1 per day
$1,500 per designated surgery• Maximum 2 times per Policy Year• Up to 1 per day
$1,500 per designated surgery• Maximum 2 times per Policy Year• Up to 1 per day
Event Benefits Event
Compassionate death benefit
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
VHIS cert no.
S00021-01-000-02Benefits 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
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 outpatient treatment for Accident
—
Inpatient-related
Organ transplant donor benefit
—
Hospital companion bed fee reimbursement
—
Outpatient-related
Cancer / cardiac / stroke rehabilitation benefit
—
Outpatient kidney dialysis
—
Daily post-surgery home nursing benefit
—
Event / Lump sum
Death benefit due to medical incident
—
Cash Benefits Cash
Second claim cash benefit
—
GBA Designated Hospital Designated Surgery Cash Benefit
—
Event Benefits Event
Compassionate death benefit
$10,000
Plan 1 / 6
衛您健康醫療保險計劃
Guard Your Health Medical Insurance Plan
Entry-level PickVer. Apr 1, 2021
- VHIS cert no.
- S00021-01-000-02
- 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
- 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
- 復康保障
- —
- 門診洗腎
- —
- 器官移植的捐贈者保障
- —
- 意外急症門診治療費用賠償
- —
- 醫療事故身故賠償
- —
- 住院陪床
- —
- 家中看護
- —
Cash Benefits Cash
- 第二次索償現金保障
- —
- 大灣區內地城市的指定醫院之指定手術現金保障
- —
Event Benefits Event
- 恩恤身故賠償
- $10,000
Plan 2 / 6
健康常伴醫療保險計劃
Healthy Life Medical Insurance Plan
Step UpVer. Jun 1, 2026
- VHIS cert no.
- F00024-01-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$800,000
- 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
- $1,200 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
- $1,000 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $4,600 per Policy Year
- (e) 深切治療
- $4,600 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- $ 5,500
- 外科醫生費 — 中型
- $14,000
- 外科醫生費 — 大型
- $28,000
- 外科醫生費 — 複雜
- $55,000
- (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
- $25,000 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
- $1,100, per visit, $5,000 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
- 復康保障
- —
- 門診洗腎
- $50,000 per Policy Year, maximum 60 days per Policy Year
- 器官移植的捐贈者保障
- —
- 意外急症門診治療費用賠償
- $10,000 per Policy Year within 24 hours of the Accident
- 醫療事故身故賠償
- $100,000
- 住院陪床
- Full reimbursement (no sub-limit). Maximum 180 days per Policy Year
- 家中看護
- $500 per visit• Maximum 30 visits per Policy Year• Up to 1 per day• Within 90 days after discharge from Hospital
Cash Benefits Cash
- 第二次索償現金保障
- $300
- 大灣區內地城市的指定醫院之指定手術現金保障
- $500
Event Benefits Event
- 恩恤身故賠償
- $10,000
Plan 3 / 6
健康常伴優越醫療保險計劃 - 半私家病房
Healthy Life Premier Medical Insurance Plan - Semi-private
Step UpVer. Jun 1, 2026
- VHIS cert no.
- F00030-01-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$1,100,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $2,500 per day, maximum 270 days per Policy Year
- (b) 雜項開支
- $24,000 per Policy Year
- (c) 主診醫生巡房費
- $2,000 per day, maximum 270 days per Policy Year
- (d) 專科醫生費
- $6,000 per Policy Year
- (e) 深切治療
- $6,000 per day, maximum 90 days per Policy Year
- 外科醫生費 — 小型
- $ 8,600
- 外科醫生費 — 中型
- $25,800
- 外科醫生費 — 大型
- $43,000
- 外科醫生費 — 複雜
- $86,000
- (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
- $150,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $1,400, per visit, $6,000 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
- $35,000 per Policy Year
Extra Benefits Extra
- 復康保障
- $30,000 per Policy Year
- 門診洗腎
- $80,000 per Policy Year, maximum 60 days per Policy Year
- 器官移植的捐贈者保障
- $800,000 per Policy Year
- 意外急症門診治療費用賠償
- $16,000 per Policy Year
- 醫療事故身故賠償
- $200,000
- 住院陪床
- Full reimbursement (no sub-limit). Maximum 180 days per Policy Year
- 家中看護
- $800 per visit• Maximum 30 visits per Policy Year• Up to 1 per day• Within 90 days after discharge from Hospital
Cash Benefits Cash
- 第二次索償現金保障
- $300
- 大灣區內地城市的指定醫院之指定手術現金保障
- $1,000
Event Benefits Event
- 恩恤身故賠償
- $10,000
Plan 4 / 6
健康常伴優越醫療保險計劃 - 半私家病房連附加保障
Healthy Life Premier Medical Insurance Plan - Semi-private with SMM
Step UpVer. Jun 1, 2026
- VHIS cert no.
- F00030-01-001-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$1,100,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$240,000／per policy year, 20% coinsurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $2,500 per day, maximum 270 days per Policy Year
- (b) 雜項開支
- $24,000 per Policy Year
- (c) 主診醫生巡房費
- $2,000 per day, maximum 270 days per Policy Year
- (d) 專科醫生費
- $6,000 per Policy Year
- (e) 深切治療
- $6,000 per day, maximum 90 days per Policy Year
- 外科醫生費 — 小型
- $ 8,600
- 外科醫生費 — 中型
- $25,800
- 外科醫生費 — 大型
- $43,000
- 外科醫生費 — 複雜
- $86,000
- (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
- $150,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $1,400, per visit, $6,000 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
- $35,000 per Policy Year
Extra Benefits Extra
- 復康保障
- $30,000 per Policy Year
- 門診洗腎
- $80,000 per Policy Year, maximum 60 days per Policy Year
- 器官移植的捐贈者保障
- $800,000 per Policy Year
- 意外急症門診治療費用賠償
- $16,000 per Policy Year
- 醫療事故身故賠償
- $200,000
- 住院陪床
- Full reimbursement (no sub-limit). Maximum 180 days per Policy Year
- 家中看護
- $800 per visit• Maximum 30 visits per Policy Year• Up to 1 per day• Within 90 days after discharge from Hospital
Cash Benefits Cash
- 第二次索償現金保障
- $300
- 大灣區內地城市的指定醫院之指定手術現金保障
- $1,000
Event Benefits Event
- 恩恤身故賠償
- $10,000
Plan 5 / 6
健康常伴優越醫療保險計劃 - 私家病房
Healthy Life Premier Medical Insurance Plan - Private
Step UpVer. Jun 1, 2026
- VHIS cert no.
- F00030-02-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$1,500,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $4,500 per day, maximum 270 days per Policy Year
- (b) 雜項開支
- $35,000 per Policy Year
- (c) 主診醫生巡房費
- $4,000 per day, maximum 270 days per Policy Year
- (d) 專科醫生費
- $12,000 per Policy Year
- (e) 深切治療
- $9,000 per day, maximum 90 days per Policy Year
- 外科醫生費 — 小型
- $ 12,000
- 外科醫生費 — 中型
- $36,000
- 外科醫生費 — 大型
- $60,000
- 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
- $40,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $200,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $2,000, per visit, $8,000 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
- $40,000 per Policy Year
Extra Benefits Extra
- 復康保障
- $50,000 per Policy Year
- 門診洗腎
- $150,000 per Policy Year, maximum 60 days per Policy Year
- 器官移植的捐贈者保障
- $900,000 per Policy Year
- 意外急症門診治療費用賠償
- $24,000 per Policy Year
- 醫療事故身故賠償
- $400,000
- 住院陪床
- Full reimbursement (no sub-limit). Maximum 180 days per Policy Year
- 家中看護
- $1,600 per visit• Maximum 30 visits per Policy Year• Up to 1 per day• Within 90 days after discharge from Hospital
Cash Benefits Cash
- 第二次索償現金保障
- $300
- 大灣區內地城市的指定醫院之指定手術現金保障
- $1,500
Event Benefits Event
- 恩恤身故賠償
- $10,000
Plan 6 / 6
健康常伴優越醫療保險計劃 - 私家病房連附加保障
Healthy Life Premier Medical Insurance Plan - Private with SMM
Step UpVer. Jun 1, 2026
- VHIS cert no.
- F00030-02-001-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$1,500,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$480,000／per policy year, 20% coinsurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $4,500 per day, maximum 270 days per Policy Year
- (b) 雜項開支
- $35,000 per Policy Year
- (c) 主診醫生巡房費
- $4,000 per day, maximum 270 days per Policy Year
- (d) 專科醫生費
- $12,000 per Policy Year
- (e) 深切治療
- $9,000 per day, maximum 90 days per Policy Year
- 外科醫生費 — 小型
- $ 12,000
- 外科醫生費 — 中型
- $36,000
- 外科醫生費 — 大型
- $60,000
- 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
- $40,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $200,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $2,000, per visit, $8,000 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
- $40,000 per Policy Year
Extra Benefits Extra
- 復康保障
- $50,000 per Policy Year
- 門診洗腎
- $150,000 per Policy Year, maximum 60 days per Policy Year
- 器官移植的捐贈者保障
- $900,000 per Policy Year
- 意外急症門診治療費用賠償
- $24,000 per Policy Year
- 醫療事故身故賠償
- $400,000
- 住院陪床
- Full reimbursement (no sub-limit). Maximum 180 days per Policy Year
- 家中看護
- $1,600 per visit• Maximum 30 visits per Policy Year• Up to 1 per day• Within 90 days after discharge from Hospital
Cash Benefits Cash
- 第二次索償現金保障
- $300
- 大灣區內地城市的指定醫院之指定手術現金保障
- $1,500
Event Benefits Event
- 恩恤身故賠償
- $10,000