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China Life — same-insurer plan comparison
China Life Insurance (Overseas) Company Limited · 6 plan series · 6 variants
China Life Insurance (Overseas) Company Limited offers 6 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 5 Flexi), covering Worldwide (including United States), across No ward-class restriction (item limits apply), Ward, Semi-Private Room and Standard Private Room ward classes. Premiums, coverage items, deductible tiers and annual limits are compared side-by-side below.
Data version: Jun 1, 2026
衛您健康醫療保險計劃
- VHIS cert no.
- S00021-01-000-02
- Plan Type
- Standard
- Main coverage region
- Worldwide (including United States)
- Ward class
- No ward-class restriction (item limits apply)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$750 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$14,000 per Policy Year
- (c) 主診醫生巡房費
- HK$750 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$4,300 per Policy Year
- (e) 深切治療
- HK$3,500 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$5,000
- 外科醫生費 — 中型
- HK$12,500
- 外科醫生費 — 大型
- HK$25,000
- 外科醫生費 — 複雜
- HK$50,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- HK$20,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$580 per visit, HK$3,000 per Policy Year Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$30,000 per Policy Year
Extra Benefits
- 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
- 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
- 恩恤身故賠償
- HK$10,000
$750 per day, maximum 180 days per Policy Year
$14,000 per Policy Year
$750 per day, maximum 180 days per Policy Year
$4,300 per Policy Year
$3,500 per day, maximum 25 days per Policy Year
$5,000
$12,500
$25,000
$50,000
$20,000 per Policy Year. Subject to 30% Coinsurance.
$80,000 per Policy Year
$580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$30,000 per Policy Year
$10,000
健康常伴醫療保險計劃
- VHIS cert no.
- F00024-01-000-03
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- HK$800,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- HK$120,000 · Coinsurance 20% (Per policy year)
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,200 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$16,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,000 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$4,600 per Policy Year
- (e) 深切治療
- HK$4,600 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$ 5,500
- 外科醫生費 — 中型
- HK$14,000
- 外科醫生費 — 大型
- HK$28,000
- 外科醫生費 — 複雜
- HK$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
- HK$25,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$100,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$1,100 per visit, HK$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
- HK$30,000 per Policy Year
Extra Benefits
- 復康保障
- —
- 門診洗腎
- HK$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
- HK$10,000 per Policy Year within 24 hours of the Accident
- 醫療事故身故賠償
- HK$100,000
- 住院陪床
- Full reimbursement(no sub-limit)Maximum 180 days per Policy Year
- 家中看護
- HK$500 per visitMaximum 30 visits per Policy YearWithin 90 days after discharge from Hospital
Cash Benefits
- 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
- 恩恤身故賠償
- HK$10,000
HK$120,000／per policy year, 20% coinsurance
$1,200 per day, maximum 180 days per Policy Year
$16,000 per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$4,600 per Policy Year
$4,600 per day, maximum 25 days per Policy Year
$ 5,500
$14,000
$28,000
$55,000
$25,000 per Policy Year. Subject to 30% Coinsurance.
$100,000 per Policy Year
$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
$30,000 per Policy Year
$10,000 per Policy Year within 24 hours of the Accident
$500 per visit • Maximum 30 visits per Policy Year • Up to 1 per day • Within 90 days after discharge from Hospital
$50,000 per Policy Year, maximum 60 days per Policy Year
$10,000
Full reimbursement (no sub-limit). Maximum 180 days per Policy Year
$300 per day • Maximum 10 days per Policy Year • $3,000 per Policy Year
$100,000
$500 per designated surgery • Maximum 2 times per Policy Year • Up to 1 per day
健康常伴優越醫療保險計劃 - 半私家病房
- VHIS cert no.
- F00030-01-000-03
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$1,100,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$2,500 per day, maximum 270 days per Policy Year
- (b) 雜項開支
- HK$24,000 per Policy Year
- (c) 主診醫生巡房費
- HK$2,000 per day, maximum 270 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$6,000 per day, maximum 90 days per Policy Year
- 外科醫生費 — 小型
- HK$ 8,600
- 外科醫生費 — 中型
- HK$25,800
- 外科醫生費 — 大型
- HK$43,000
- 外科醫生費 — 複雜
- HK$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
- HK$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$150,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$1,400 per visit, HK$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
- HK$35,000 per Policy Year
Extra Benefits
- 復康保障
- HK$30,000 per Policy Year
- 門診洗腎
- HK$80,000 per Policy Year, maximum 60 days per Policy Year
- 器官移植的捐贈者保障
- HK$800,000 per Policy Year
- 意外急症門診治療費用賠償
- HK$16,000 per Policy Year
- 醫療事故身故賠償
- HK$200,000
- 住院陪床
- Full reimbursement(no sub-limit)Maximum 180 days per Policy Year
- 家中看護
- HK$800 per visitMaximum 30 visits per Policy YearWithin 90 days after discharge from Hospital
Cash Benefits
- 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
- 恩恤身故賠償
- HK$10,000
No aggregate limit
$2,500 per day, maximum 270 days per Policy Year
$24,000 per Policy Year
$2,000 per day, maximum 270 days per Policy Year
$6,000 per Policy Year
$6,000 per day, maximum 90 days per Policy Year
$ 8,600
$25,800
$43,000
$86,000
$30,000 per Policy Year. Subject to 30% Coinsurance.
$150,000 per Policy Year
$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
$35,000 per Policy Year
$16,000 per Policy Year
$800 per visit • Maximum 30 visits per Policy Year • Up to 1 per day • Within 90 days after discharge from Hospital
$80,000 per Policy Year, maximum 60 days per Policy Year
$800,000 per Policy Year
$30,000 per Policy Year
$10,000
Full reimbursement (no sub-limit). Maximum 180 days per Policy Year
$300 per day • Maximum 20 days per Policy Year • $6,000 per Policy Year
$200,000
$1,000 per designated surgery • Maximum 2 times per Policy Year • Up to 1 per day
健康常伴優越醫療保險計劃 - 半私家病房連附加保障
- VHIS cert no.
- F00030-01-001-03
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$1,100,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- HK$240,000 · Coinsurance 20% (Per policy year)
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$2,500 per day, maximum 270 days per Policy Year
- (b) 雜項開支
- HK$24,000 per Policy Year
- (c) 主診醫生巡房費
- HK$2,000 per day, maximum 270 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$6,000 per day, maximum 90 days per Policy Year
- 外科醫生費 — 小型
- HK$ 8,600
- 外科醫生費 — 中型
- HK$25,800
- 外科醫生費 — 大型
- HK$43,000
- 外科醫生費 — 複雜
- HK$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
- HK$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$150,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$1,400 per visit, HK$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
- HK$35,000 per Policy Year
Extra Benefits
- 復康保障
- HK$30,000 per Policy Year
- 門診洗腎
- HK$80,000 per Policy Year, maximum 60 days per Policy Year
- 器官移植的捐贈者保障
- HK$800,000 per Policy Year
- 意外急症門診治療費用賠償
- HK$16,000 per Policy Year
- 醫療事故身故賠償
- HK$200,000
- 住院陪床
- Full reimbursement(no sub-limit)Maximum 180 days per Policy Year
- 家中看護
- HK$800 per visitMaximum 30 visits per Policy YearWithin 90 days after discharge from Hospital
Cash Benefits
- 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
- 恩恤身故賠償
- HK$10,000
No aggregate limit
HK$240,000／per policy year, 20% coinsurance
$2,500 per day, maximum 270 days per Policy Year
$24,000 per Policy Year
$2,000 per day, maximum 270 days per Policy Year
$6,000 per Policy Year
$6,000 per day, maximum 90 days per Policy Year
$ 8,600
$25,800
$43,000
$86,000
$30,000 per Policy Year. Subject to 30% Coinsurance.
$150,000 per Policy Year
$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
$35,000 per Policy Year
$16,000 per Policy Year
$800 per visit • Maximum 30 visits per Policy Year • Up to 1 per day • Within 90 days after discharge from Hospital
$80,000 per Policy Year, maximum 60 days per Policy Year
$800,000 per Policy Year
$30,000 per Policy Year
$10,000
Full reimbursement (no sub-limit). Maximum 180 days per Policy Year
$300 per day • Maximum 20 days per Policy Year • $6,000 per Policy Year
$200,000
$1,000 per designated surgery • Maximum 2 times per Policy Year • Up to 1 per day
健康常伴優越醫療保險計劃 - 私家病房
- VHIS cert no.
- F00030-02-000-03
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$1,500,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$4,500 per day, maximum 270 days per Policy Year
- (b) 雜項開支
- HK$35,000 per Policy Year
- (c) 主診醫生巡房費
- HK$4,000 per day, maximum 270 days per Policy Year
- (d) 專科醫生費
- HK$12,000 per Policy Year
- (e) 深切治療
- HK$9,000 per day, maximum 90 days per Policy Year
- 外科醫生費 — 小型
- HK$ 12,000
- 外科醫生費 — 中型
- HK$36,000
- 外科醫生費 — 大型
- HK$60,000
- 外科醫生費 — 複雜
- HK$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
- HK$40,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$200,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$2,000 per visit, HK$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
- HK$40,000 per Policy Year
Extra Benefits
- 復康保障
- HK$50,000 per Policy Year
- 門診洗腎
- HK$150,000 per Policy Year, maximum 60 days per Policy Year
- 器官移植的捐贈者保障
- HK$900,000 per Policy Year
- 意外急症門診治療費用賠償
- HK$24,000 per Policy Year
- 醫療事故身故賠償
- HK$400,000
- 住院陪床
- Full reimbursement(no sub-limit)Maximum 180 days per Policy Year
- 家中看護
- HK$1,600 per visitMaximum 30 visits per Policy YearWithin 90 days after discharge from Hospital
Cash Benefits
- 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
- 恩恤身故賠償
- HK$10,000
No aggregate limit
$4,500 per day, maximum 270 days per Policy Year
$35,000 per Policy Year
$4,000 per day, maximum 270 days per Policy Year
$12,000 per Policy Year
$9,000 per day, maximum 90 days per Policy Year
$ 12,000
$36,000
$60,000
$120,000
$40,000 per Policy Year. Subject to 30% Coinsurance.
$200,000 per Policy Year
$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
$40,000 per Policy Year
$24,000 per Policy Year
$1,600 per visit • Maximum 30 visits per Policy Year • Up to 1 per day • Within 90 days after discharge from Hospital
$150,000 per Policy Year, maximum 60 days per Policy Year
$900,000 per Policy Year
$50,000 per Policy Year
$10,000
Full reimbursement (no sub-limit). Maximum 180 days per Policy Year
$300 per day • Maximum 30 days per Policy Year • $9,000 per Policy Year
$400,000
$1,500 per designated surgery • Maximum 2 times per Policy Year • Up to 1 per day
健康常伴優越醫療保險計劃 - 私家病房連附加保障
- VHIS cert no.
- F00030-02-001-03
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$1,500,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- HK$480,000 · Coinsurance 20% (Per policy year)
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$4,500 per day, maximum 270 days per Policy Year
- (b) 雜項開支
- HK$35,000 per Policy Year
- (c) 主診醫生巡房費
- HK$4,000 per day, maximum 270 days per Policy Year
- (d) 專科醫生費
- HK$12,000 per Policy Year
- (e) 深切治療
- HK$9,000 per day, maximum 90 days per Policy Year
- 外科醫生費 — 小型
- HK$ 12,000
- 外科醫生費 — 中型
- HK$36,000
- 外科醫生費 — 大型
- HK$60,000
- 外科醫生費 — 複雜
- HK$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
- HK$40,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$200,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$2,000 per visit, HK$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
- HK$40,000 per Policy Year
Extra Benefits
- 復康保障
- HK$50,000 per Policy Year
- 門診洗腎
- HK$150,000 per Policy Year, maximum 60 days per Policy Year
- 器官移植的捐贈者保障
- HK$900,000 per Policy Year
- 意外急症門診治療費用賠償
- HK$24,000 per Policy Year
- 醫療事故身故賠償
- HK$400,000
- 住院陪床
- Full reimbursement(no sub-limit)Maximum 180 days per Policy Year
- 家中看護
- HK$1,600 per visitMaximum 30 visits per Policy YearWithin 90 days after discharge from Hospital
Cash Benefits
- 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
- 恩恤身故賠償
- HK$10,000
No aggregate limit
HK$480,000／per policy year, 20% coinsurance
$4,500 per day, maximum 270 days per Policy Year
$35,000 per Policy Year
$4,000 per day, maximum 270 days per Policy Year
$12,000 per Policy Year
$9,000 per day, maximum 90 days per Policy Year
$ 12,000
$36,000
$60,000
$120,000
$40,000 per Policy Year. Subject to 30% Coinsurance.
$200,000 per Policy Year
$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
$40,000 per Policy Year
$24,000 per Policy Year
$1,600 per visit • Maximum 30 visits per Policy Year • Up to 1 per day • Within 90 days after discharge from Hospital
$150,000 per Policy Year, maximum 60 days per Policy Year
$900,000 per Policy Year
$50,000 per Policy Year
$10,000
Full reimbursement (no sub-limit). Maximum 180 days per Policy Year
$300 per day • Maximum 30 days per Policy Year • $9,000 per Policy Year
$400,000
$1,500 per designated surgery • Maximum 2 times per Policy Year • Up to 1 per day
“No overall limit”: individual items still have limits. “—”: the item does not apply to that plan, or the benefit schedule does not list it separately (e.g. it is split by surgery category); this does not necessarily mean it is never paid. “Not listed”: we could not confirm it from the plan documents.