ByCompany

China Life Insurance (Overseas) Company Limited — same-insurer plan comparison

China Life Insurance (Overseas) Company Limited · 6 plan series (6 variants, HKD/USD merged, sorted from basic to comprehensive)

Per-plan benefit prose falls back to Traditional Chinese where the source PDF was not translated.

6/6

Guard Your Health Medical Insurance Plan

衛您健康醫療保險計劃

Ver. Apr 1, 2021

Score59/100

StandardCat 1Ward: N/ARegion: Worldwide

VHIS Cert. No.: S00021-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Healthy Life Medical Insurance Plan

健康常伴醫療保險計劃

Ver. Apr 1, 2021

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00024-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Healthy Life Premier Medical Insurance Plan - Semi-private

健康常伴優越醫療保險計劃 - 半私家病房

Ver. Apr 1, 2021

Score75/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00030-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$550,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Healthy Life Premier Medical Insurance Plan - Semi-private with SMM

健康常伴優越醫療保險計劃 - 半私家病房連附加保障

Ver. Apr 1, 2021

Score75/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00030-01-001-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$550,000
Per-illness limit: —
SMM Supplemental Major Medical: $150,000 · 20% co-insurance

Healthy Life Premier Medical Insurance Plan - Private

健康常伴優越醫療保險計劃 - 私家病房

Ver. Apr 1, 2021

Score88/100

FlexiCat 1Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00030-02-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$750,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Healthy Life Premier Medical Insurance Plan - Private with SMM

健康常伴優越醫療保險計劃 - 私家病房連附加保障

Ver. Apr 1, 2021

Score88/100

FlexiCat 1Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00030-02-001-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$750,000
Per-illness limit: —
SMM Supplemental Major Medical: $300,000 · 20% co-insurance

計劃名稱

Guard Your Health Medical Insurance Plan

衛您健康醫療保險計劃

Cat 1

Ver. Apr 1, 2021

VHIS Cert. No.

S00021-01-000-02Benefits PDFPremiums PDF

Coverage Score

59/100

Plan Type

Standard

Coverage region

Worldwide

Ward class

N/A (capped)

Lifetime benefit limit

—

Annual benefit limit

HK$420,000

Per-illness benefit limit

—

SMM Supplemental Major Medical

—

Deductible Options

—

Basic Benefits Basic

(a) Room and board

$750 per day, maximum 180 days per Policy Year

(b) Miscellaneous charges

$14,000 per Policy Year

$750 per day, maximum 180 days per Policy Year

(d) Specialist's fee

$4,300 per Policy Year

(e) Intensive care

$3,500 per day, maximum 25 days per Policy Year

(f) Surgeon's fee — Minor

$5,000

(f) Surgeon's fee — Intermediate

$12,500

(f) Surgeon's fee — Major

$25,000

(f) Surgeon's fee — Complex

$50,000

(g) Anaesthetist's fee

35% of Surgeon's fee payable

(h) Operating theatre charges

35% of Surgeon's fee payable

(i) Prescribed Diagnostic Imaging Tests

$20,000 per Policy Year. Subject to 30% Coinsurance.

(j) Prescribed Non-surgical Cancer Treatments

$80,000 per Policy Year

(k) Pre- and post-Confinement / Day Case Procedure outpatient care

$580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

(l) Psychiatric treatments

$30,000 per Policy Year

Extra Benefits Extra

Emergency outpatient treatment for Accident

—

Daily post-surgery home nursing benefit

—

Organ transplant donor benefit

—

Outpatient kidney dialysis

—

Cancer / cardiac / stroke rehabilitation benefit

—

Hospital companion bed fee reimbursement

—

Event Benefits Event

Compassionate death benefit

$8,800

計劃 1 / 6

衛您健康醫療保險計劃

Guard Your Health Medical Insurance Plan

標準Cat 1Ver. Apr 1, 2021保障評分 59/100

VHIS 認可編號: S00021-01-000-02
計劃類別: 標準
保障地域範圍: 全球 Worldwide
病房級別: 不適用（受賠償上限規限）
每年賠償限額: HK$420,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $750 per day, maximum 180 days per Policy Year
(b) 雜項開支: $14,000 per Policy Year
(c) 主診醫生巡房費: $750 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $3,500 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $5,000
(f) 外科醫生費 — 中型: $12,500
(f) 外科醫生費 — 大型: $25,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

意外急症門診治療費用賠償: —
家中看護: —
器官移植的捐贈者保障: —
門診洗腎: —
復康保障: —
住院陪床: —

事件保障 Event

恩恤身故賠償: $8,800

計劃 2 / 6

健康常伴醫療保險計劃

Healthy Life Medical Insurance Plan

靈活Cat 1Ver. Apr 1, 2021保障評分 65/100

VHIS 認可編號: F00024-01-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: HK$420,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $750 per day, maximum 180 days per Policy Year
(b) 雜項開支: $14,000 per Policy Year
(c) 主診醫生巡房費: $750 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $3,500 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $ 5,000
(f) 外科醫生費 — 中型: $12,500
(f) 外科醫生費 — 大型: $25,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

意外急症門診治療費用賠償: —
家中看護: —
器官移植的捐贈者保障: —
門診洗腎: —
復康保障: —
住院陪床: —

事件保障 Event

恩恤身故賠償: $10,000

計劃 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

靈活Cat 1Ver. Apr 1, 2021保障評分 75/100

VHIS 認可編號: F00030-01-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$550,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,800 per day, maximum 270 days per Policy Year
(b) 雜項開支: $20,000 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: $5,600 per Policy Year
(e) 深切治療: $4,200 per day, maximum 40 days per Policy Year
(f) 外科醫生費 — 小型: $ 6,500
(f) 外科醫生費 — 中型: $16,250
(f) 外科醫生費 — 大型: $32,500
(f) 外科醫生費 — 複雜: $65,000
(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: $100,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

意外急症門診治療費用賠償: $6,000 per Policy Year
家中看護: $800 per visitMaximum 15 visits per Policy YearUp to 1 per dayWithin 60 days after discharge from Hospital
器官移植的捐贈者保障: $800,000 per Policy Year
門診洗腎: $50,000 per Policy Year, maximum 60 days per Policy Year
復康保障: $30,000 per Policy Year
住院陪床: $450 per day, maximum 90 days per Policy Year

事件保障 Event

恩恤身故賠償: —

計劃 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

靈活Cat 1Ver. Apr 1, 2021保障評分 75/100

VHIS 認可編號: F00030-01-001-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$550,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $150,000 · 20% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,800 per day, maximum 270 days per Policy Year
(b) 雜項開支: $20,000 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: $5,600 per Policy Year
(e) 深切治療: $4,200 per day, maximum 40 days per Policy Year
(f) 外科醫生費 — 小型: $ 6,500
(f) 外科醫生費 — 中型: $16,250
(f) 外科醫生費 — 大型: $32,500
(f) 外科醫生費 — 複雜: $65,000
(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: $100,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

意外急症門診治療費用賠償: $6,000 per Policy Year
家中看護: $800 per visitMaximum 15 visits per Policy YearUp to 1 per dayWithin 60 days after discharge from Hospital
器官移植的捐贈者保障: $800,000 per Policy Year
門診洗腎: $50,000 per Policy Year, maximum 60 days per Policy Year
復康保障: $30,000 per Policy Year
住院陪床: $450 per day, maximum 90 days per Policy Year

事件保障 Event

恩恤身故賠償: $10,000

計劃 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

靈活Cat 1Ver. Apr 1, 2021保障評分 88/100

VHIS 認可編號: F00030-02-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 私家病房 Private
每年賠償限額: HK$750,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $3,800 per day, maximum 270 days per Policy Year
(b) 雜項開支: $32,000 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: $10,400 per Policy Year
(e) 深切治療: $5,000 per day, maximum 40 days per Policy Year
(f) 外科醫生費 — 小型: $ 9,000
(f) 外科醫生費 — 中型: $22,500
(f) 外科醫生費 — 大型: $45,000
(f) 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: $200,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

意外急症門診治療費用賠償: $12,000 per Policy Year
家中看護: $1,600 per visitMaximum 15 visits per Policy YearUp to 1 per dayWithin 60 days after discharge from Hospital
器官移植的捐贈者保障: $900,000 per Policy Year
門診洗腎: $75,000 per Policy Year, maximum 60 days per Policy Year
復康保障: $50,000 per Policy Year
住院陪床: $650 per day, maximum 90 days per Policy Year

事件保障 Event

恩恤身故賠償: —

計劃 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

靈活Cat 1Ver. Apr 1, 2021保障評分 88/100

VHIS 認可編號: F00030-02-001-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 私家病房 Private
每年賠償限額: HK$750,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $300,000 · 20% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $3,800 per day, maximum 270 days per Policy Year
(b) 雜項開支: $32,000 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: $10,400 per Policy Year
(e) 深切治療: $5,000 per day, maximum 40 days per Policy Year
(f) 外科醫生費 — 小型: $ 9,000
(f) 外科醫生費 — 中型: $22,500
(f) 外科醫生費 — 大型: $45,000
(f) 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: $200,000 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 within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

意外急症門診治療費用賠償: $12,000 per Policy Year
家中看護: $1,600 per visitMaximum 15 visits per Policy YearUp to 1 per dayWithin 60 days after discharge from Hospital
器官移植的捐贈者保障: $900,000 per Policy Year
門診洗腎: $75,000 per Policy Year, maximum 60 days per Policy Year
復康保障: $50,000 per Policy Year
住院陪床: $650 per day, maximum 90 days per Policy Year

事件保障 Event

恩恤身故賠償: $10,000