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China Taiping Life Insurance (Hong Kong) Company Limited — same-insurer plan comparison

China Taiping Life Insurance (Hong Kong) Company Limited · 7 plan series (12 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.

7/7

Taiping Life VHIS Standard Plan

太平人壽自願醫保標準計劃

Ver. Jul 7, 2021

Score59/100

StandardCat 1Ward: N/ARegion: Worldwide

VHIS Cert. No.: S00039-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Taiping Life VHIS Flexi Plan - Plan 1 - Ward with SMM

太平人壽自願醫保靈活計劃 - 計劃1 - 普通房連超額醫療保障

Ver. Jul 7, 2021

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00052-01-000-01Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$500,000
Per-illness limit: —
SMM Supplemental Major Medical: $100,000 · 20% co-insurance

Taiping Life VHIS Flexi Plan - Plan 2 - Semi-Private Room

太平人壽自願醫保靈活計劃 - 計劃2 - 半私家房

Ver. Jul 7, 2021

Score80/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00052-02-000-01Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$1,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Taiping Life VHIS Flexi Plan - Plan 3 - Semi-Private Room with SMM

太平人壽自願醫保靈活計劃 - 計劃3 - 半私家房連超額醫療保障

Ver. Jul 7, 2021

Score80/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00052-02-001-01Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$1,000,000
Per-illness limit: —
SMM Supplemental Major Medical: $320,000 · 20% co-insurance

Taiping Life VHIS Flexi Plan - Plan 4 - Standard Private Room

太平人壽自願醫保靈活計劃 - 計劃4 - 標準私家房

Ver. Jul 7, 2021

Score91/100

FlexiCat 1Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00052-03-000-01Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$1,360,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Taiping Life VHIS Flexi Plan - Plan 5 - Standard Private Room with SMM

太平人壽自願醫保靈活計劃 - 計劃5 - 標準私家房連超額醫療保障

Ver. Jul 7, 2021

Score91/100

FlexiCat 1Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00052-03-001-01Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$1,360,000
Per-illness limit: —
SMM Supplemental Major Medical: $500,000 · 20% co-insurance

Taiping Life VHIS Priority Plan

太平人壽自願醫保優遇計劃HKD + USD

Ver. Jan 1, 2023

Score98/100

FlexiCat 3Ward: Standard Private RoomRegion: Asia

VHIS Cert. No.: F00062-01-000-02Benefits PDF Premiums PDF
F00062-02-000-02Benefits PDF Premiums PDF
F00062-03-000-02Benefits PDF Premiums PDF
F00062-04-000-02Benefits PDF Premiums PDF
F00062-05-000-02Benefits PDF Premiums PDF
F00062-06-000-02Benefits PDF Premiums PDF
Lifetime Limit: • 無
Annual Limit: HK$20,000,000(US$2,500,000)
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

HKD$0$20K$50K

USDUS$0US$2,500US$6,250

計劃名稱

Taiping Life VHIS Standard Plan

太平人壽自願醫保標準計劃

Cat 1

Ver. Jul 7, 2021

VHIS Cert. No.

S00039-01-000-02Benefits 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

—

(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

SMM duration extension

—

Isolation ward charges benefit

—

Complications of pregnancy

—

Emergency outpatient treatment for Accident

—

Chinese Medicine Practitioner outpatient care

—

Daily post-surgery home nursing benefit

—

Cancer / cardiac / stroke rehabilitation benefit

—

Outpatient kidney dialysis

—

Critical urban disease supplementary benefit

—

Reconstructive surgery for specified conditions

—

Medical implants / prosthetic devices

—

Post-Confinement / Day Case Procedure auxiliary therapy

—

Hospice and palliative care benefit

—

Hospital companion bed fee reimbursement

—

Attending doctor's visit fee (top-up)

—

Intensive care (top-up)

—

Miscellaneous charges (top-up)

—

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

—

Room and board (top-up)

—

Specialist's fee (top-up)

—

Cash Benefits Cash

Hospital companion bed cash benefit

—

Day surgery cash benefit

—

Hospital transport cash allowance

—

Special loyalty reward

—

Lower ward class cash benefit

—

Event Benefits Event

Compassionate death benefit

$8,800

Medical accident and incident extension benefit

—

計劃名稱

Taiping Life VHIS Standard Plan

太平人壽自願醫保標準計劃

Cat 1

Ver. Jul 7, 2021

計劃 1 / 7

太平人壽自願醫保標準計劃

Taiping Life VHIS Standard Plan

標準Cat 1Ver. Jul 7, 2021保障評分 59/100

VHIS 認可編號: S00039-01-000-02
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: —
(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

住院延伸保障: —
隔離病房費: —
懷孕併發症: —
意外急症門診治療費用賠償: —
出院後 / 日間手術後的中醫門診治療: —
家中看護: —
復康保障: —
門診洗腎: —
嚴重都市疾病額外保障: —
指定重建手術保障: —
醫療植入裝置: —
出院後 / 日間手術後的額外門診輔助治療: —
善終服務: —
住院陪床: —
主診醫生巡房費 (額外): —
深切治療 (額外): —
雜項開支 (額外): —
入院前後門診 (額外): —
病房及膳食 (額外): —
專科醫生費 (額外): —

現金保障 Cash

住院陪床: —
日間手術現金惠益: —
交通費用津貼惠益: —
特別獎賞: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $8,800
醫療意外事故保障: —

計劃 2 / 7

太平人壽自願醫保靈活計劃 - 計劃1 - 普通房連超額醫療保障

Taiping Life VHIS Flexi Plan - Plan 1 - Ward with SMM

靈活Cat 1Ver. Jul 7, 2021保障評分 65/100

VHIS 認可編號: F00052-01-000-01
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$500,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $100,000 · 20% co-insurance
自付費選項: —

基本保障 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: $800 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 40 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $ 5,500
(f) 外科醫生費 — 中型: $13,800
(f) 外科醫生費 — 大型: $27,500
(f) 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: Reimbursement begins; subject to the daily limits stated for this Supplemental Major Medical Benefit in the Benefit Schedule.
(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

住院延伸保障: Reimbursement begins; subject to the daily limits stated for this Supplemental Major Medical Benefit in the Benefit Schedule.
隔離病房費: $950 per day, maximum 180 days per Policy Year
懷孕併發症: For covered pregnancy complications, payable up to the relevant benefit limits under: I. Basic Benefits (a) – (i) and (k); and II. Additional Benefits (a), (b), (e) and (f)
意外急症門診治療費用賠償: $3,000 per Policy Year
出院後 / 日間手術後的中醫門診治療: $400 per visit, maximum 3 visits per Policy Year (1 visit per day), within 90 days after discharge from Hospital or completion of Day Case Procedure
家中看護: $500 per visit, maximum 15 visits per Policy Year (1 visit per day), within 90 days after discharge from Hospital following surgery or completion of Day Case Procedure
復康保障: $1,000 per day, $10,000 per Policy Year, within 90 days after discharge from Hospital
門診洗腎: $25,000 per Policy Year
嚴重都市疾病額外保障: Coinsurance under Supplemental Major Medical Benefits is reduced to 0% (i.e. 100% reimbursement rate) (applicable to specified chronic diseases)
指定重建手術保障: —
醫療植入裝置: —
出院後 / 日間手術後的額外門診輔助治療: —
善終服務: —
住院陪床: —
主診醫生巡房費 (額外): $100,000(shared)
深切治療 (額外): $100,000(shared)
雜項開支 (額外): $100,000(shared)
入院前後門診 (額外): $100,000(shared)
病房及膳食 (額外): $100,000(shared)
專科醫生費 (額外): $100,000(shared)

現金保障 Cash

住院陪床: $400
日間手術現金惠益: $400
交通費用津貼惠益: $100
特別獎賞: $5,000
次級病房級別現金惠益: Not applicable

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: $100,000

計劃 3 / 7

太平人壽自願醫保靈活計劃 - 計劃2 - 半私家房

Taiping Life VHIS Flexi Plan - Plan 2 - Semi-Private Room

靈活Cat 1Ver. Jul 7, 2021保障評分 80/100

VHIS 認可編號: F00052-02-000-01
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$1,000,000
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: $2,700 per day, maximum 180 days per Policy Year
(b) 雜項開支: $24,400 per Policy Year
(c) 主診醫生巡房費: $2,500 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $9,500 per Policy Year
(e) 深切治療: $6,000 per day, maximum 90 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $ 8,000
(f) 外科醫生費 — 中型: $20,000
(f) 外科醫生費 — 大型: $40,000
(f) 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: Reimbursement begins; subject to the daily limits stated for this Supplemental Major Medical Benefit in the Benefit Schedule.
(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: $1,280, per visit, $7,000 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: $55,000 per Policy Year

額外保障 Extra

住院延伸保障: Reimbursement begins; subject to the daily limits stated for this Supplemental Major Medical Benefit in the Benefit Schedule.
隔離病房費: $2,000 per day, maximum 180 days per Policy Year
懷孕併發症: For covered pregnancy complications, payable up to the relevant benefit limits under: I. Basic Benefits (a) – (i) and (k); and II. Additional Benefits (a), (b), (e) and (f)
意外急症門診治療費用賠償: $11,000 per Policy Year
出院後 / 日間手術後的中醫門診治療: $600 per visit, maximum 3 visits per Policy Year (1 visit per day), within 90 days after discharge from Hospital or completion of Day Case Procedure
家中看護: $1,000 per visit, maximum 60 visits per Policy Year (1 visit per day), within 90 days after discharge from Hospital following surgery or completion of Day Case Procedure
復康保障: $2,000 per day, $20,000 per Policy Year, within 90 days after discharge from Hospital
門診洗腎: $120,000 per Policy Year
嚴重都市疾病額外保障: Not applicable
指定重建手術保障: —
醫療植入裝置: —
出院後 / 日間手術後的額外門診輔助治療: —
善終服務: —
住院陪床: —
主診醫生巡房費 (額外): —
深切治療 (額外): —
雜項開支 (額外): —
入院前後門診 (額外): —
病房及膳食 (額外): —
專科醫生費 (額外): —

現金保障 Cash

住院陪床: $800
日間手術現金惠益: $800
交通費用津貼惠益: $200
特別獎賞: $10,000
次級病房級別現金惠益: $750

事件保障 Event

恩恤身故賠償: $20,000
醫療意外事故保障: $200,000

計劃 4 / 7

太平人壽自願醫保靈活計劃 - 計劃3 - 半私家房連超額醫療保障

Taiping Life VHIS Flexi Plan - Plan 3 - Semi-Private Room with SMM

靈活Cat 1Ver. Jul 7, 2021保障評分 80/100

VHIS 認可編號: F00052-02-001-01
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$1,000,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $320,000 · 20% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $2,700 per day, maximum 180 days per Policy Year
(b) 雜項開支: $24,400 per Policy Year
(c) 主診醫生巡房費: $2,500 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $9,500 per Policy Year
(e) 深切治療: $6,000 per day, maximum 90 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $ 8,000
(f) 外科醫生費 — 中型: $20,000
(f) 外科醫生費 — 大型: $40,000
(f) 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: Reimbursement begins; subject to the daily limits stated for this Supplemental Major Medical Benefit in the Benefit Schedule.
(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: $1,280, per visit, $7,000 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: $55,000 per Policy Year

額外保障 Extra

住院延伸保障: Reimbursement begins; subject to the daily limits stated for this Supplemental Major Medical Benefit in the Benefit Schedule.
隔離病房費: $2,000 per day, maximum 180 days per Policy Year
懷孕併發症: For covered pregnancy complications, payable up to the relevant benefit limits under: I. Basic Benefits (a) – (i) and (k); and II. Additional Benefits (a), (b), (e) and (f)
意外急症門診治療費用賠償: $11,000 per Policy Year
出院後 / 日間手術後的中醫門診治療: $600 per visit, maximum 3 visits per Policy Year (1 visit per day), within 90 days after discharge from Hospital or completion of Day Case Procedure
家中看護: $1,000 per visit, maximum 60 visits per Policy Year (1 visit per day), within 90 days after discharge from Hospital following surgery or completion of Day Case Procedure
復康保障: $2,000 per day, $20,000 per Policy Year, within 90 days after discharge from Hospital
門診洗腎: $120,000 per Policy Year
嚴重都市疾病額外保障: Coinsurance under Supplemental Major Medical Benefits is reduced to 0% (i.e. 100% reimbursement rate) (applicable to specified chronic diseases)
指定重建手術保障: —
醫療植入裝置: —
出院後 / 日間手術後的額外門診輔助治療: —
善終服務: —
住院陪床: —
主診醫生巡房費 (額外): $320,000(shared)
深切治療 (額外): $320,000(shared)
雜項開支 (額外): $320,000(shared)
入院前後門診 (額外): $320,000(shared)
病房及膳食 (額外): $320,000(shared)
專科醫生費 (額外): $320,000(shared)

現金保障 Cash

住院陪床: $800
日間手術現金惠益: $800
交通費用津貼惠益: $200
特別獎賞: $10,000
次級病房級別現金惠益: $750

事件保障 Event

恩恤身故賠償: $20,000
醫療意外事故保障: $200,000

計劃 5 / 7

太平人壽自願醫保靈活計劃 - 計劃4 - 標準私家房

Taiping Life VHIS Flexi Plan - Plan 4 - Standard Private Room

靈活Cat 1Ver. Jul 7, 2021保障評分 91/100

VHIS 認可編號: F00052-03-000-01
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$1,360,000
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: $5,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: $32,500 per Policy Year
(c) 主診醫生巡房費: $4,600 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $18,800 per Policy Year
(e) 深切治療: $9,400 per day, maximum 90 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $ 11,200
(f) 外科醫生費 — 中型: $27,900
(f) 外科醫生費 — 大型: $55,800
(f) 外科醫生費 — 複雜: $111,600
(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: Reimbursement begins; subject to the daily limits stated for this Supplemental Major Medical Benefit in the Benefit Schedule.
(j) 訂明非手術癌症治療: $180,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $1,370, per visit, $7,400 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: $57,000 per Policy Year

額外保障 Extra

住院延伸保障: Reimbursement begins; subject to the daily limits stated for this Supplemental Major Medical Benefit in the Benefit Schedule.
隔離病房費: $3,500 per day, maximum 180 days per Policy Year
懷孕併發症: For covered pregnancy complications, payable up to the relevant benefit limits under: I. Basic Benefits (a) – (i) and (k); and II. Additional Benefits (a), (b), (e) and (f)
意外急症門診治療費用賠償: $16,000 per Policy Year
出院後 / 日間手術後的中醫門診治療: $800 per visit, maximum 3 visits per Policy Year (1 visit per day), within 90 days after discharge from Hospital or completion of Day Case Procedure
家中看護: $2,000 per visit, maximum 60 visits per Policy Year (1 visit per day), within 90 days after discharge from Hospital following surgery or completion of Day Case Procedure
復康保障: $4,000 per day, $40,000 per Policy Year, within 90 days after discharge from Hospital
門診洗腎: $180,000 per Policy Year
嚴重都市疾病額外保障: Not applicable
指定重建手術保障: —
醫療植入裝置: —
出院後 / 日間手術後的額外門診輔助治療: —
善終服務: —
住院陪床: —
主診醫生巡房費 (額外): —
深切治療 (額外): —
雜項開支 (額外): —
入院前後門診 (額外): —
病房及膳食 (額外): —
專科醫生費 (額外): —

現金保障 Cash

住院陪床: $950
日間手術現金惠益: $1,600
交通費用津貼惠益: $300
特別獎賞: $15,000
次級病房級別現金惠益: $1,000

事件保障 Event

恩恤身故賠償: $40,000
醫療意外事故保障: $400,000

計劃 6 / 7

太平人壽自願醫保靈活計劃 - 計劃5 - 標準私家房連超額醫療保障

Taiping Life VHIS Flexi Plan - Plan 5 - Standard Private Room with SMM

靈活Cat 1Ver. Jul 7, 2021保障評分 91/100

VHIS 認可編號: F00052-03-001-01
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$1,360,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $500,000 · 20% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $5,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: $32,500 per Policy Year
(c) 主診醫生巡房費: $4,600 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $18,800 per Policy Year
(e) 深切治療: $9,400 per day, maximum 90 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $ 11,200
(f) 外科醫生費 — 中型: $27,900
(f) 外科醫生費 — 大型: $55,800
(f) 外科醫生費 — 複雜: $111,600
(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: Reimbursement begins; subject to the daily limits stated for this Supplemental Major Medical Benefit in the Benefit Schedule.
(j) 訂明非手術癌症治療: $180,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $1,370, per visit, $7,400 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: $57,000 per Policy Year

額外保障 Extra

住院延伸保障: Reimbursement begins; subject to the daily limits stated for this Supplemental Major Medical Benefit in the Benefit Schedule.
隔離病房費: $3,500 per day, maximum 180 days per Policy Year
懷孕併發症: For covered pregnancy complications, payable up to the relevant benefit limits under: I. Basic Benefits (a) – (i) and (k); and II. Additional Benefits (a), (b), (e) and (f)
意外急症門診治療費用賠償: $16,000 per Policy Year
出院後 / 日間手術後的中醫門診治療: $800 per visit, maximum 3 visits per Policy Year (1 visit per day), within 90 days after discharge from Hospital or completion of Day Case Procedure
家中看護: $2,000 per visit, maximum 60 visits per Policy Year (1 visit per day), within 90 days after discharge from Hospital following surgery or completion of Day Case Procedure
復康保障: $4,000 per day, $40,000 per Policy Year, within 90 days after discharge from Hospital
門診洗腎: $180,000 per Policy Year
嚴重都市疾病額外保障: Coinsurance under Supplemental Major Medical Benefits is reduced to 0% (i.e. 100% reimbursement rate) (applicable to specified chronic diseases)
指定重建手術保障: —
醫療植入裝置: —
出院後 / 日間手術後的額外門診輔助治療: —
善終服務: —
住院陪床: —
主診醫生巡房費 (額外): $500,000(shared)
深切治療 (額外): $500,000(shared)
雜項開支 (額外): $500,000(shared)
入院前後門診 (額外): $500,000(shared)
病房及膳食 (額外): $500,000(shared)
專科醫生費 (額外): $500,000(shared)

現金保障 Cash

住院陪床: $950
日間手術現金惠益: $1,600
交通費用津貼惠益: $300
特別獎賞: $15,000
次級病房級別現金惠益: $1,000

事件保障 Event

恩恤身故賠償: $40,000
醫療意外事故保障: $400,000

計劃 7 / 7

太平人壽自願醫保優遇計劃HKD + USD

Taiping Life VHIS Priority Plan

靈活Cat 3Ver. Jan 1, 2023保障評分 98/100 (29–98)

VHIS 認可編號: F00062-01-000-02F00062-02-000-02F00062-03-000-02F00062-04-000-02F00062-05-000-02F00062-06-000-02
計劃類別: 靈活
保障地域範圍: 亞洲 Asia
病房級別: 私家病房 Private
每年賠償限額: HK$20,000,000(US$2,500,000)
終身賠償限額: • 無
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: HKD$0 / $20K / $50K
USDUS$0 / US$2,500 / US$6,250

基本保障 Basic

(a) 病房及膳食: 全數賠償
(b) 雜項開支: 全數賠償
(c) 主診醫生巡房費: 全數賠償
(d) 專科醫生費: 全數賠償
(e) 深切治療: 全數賠償
(f) 外科醫生費: 全數賠償
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費: 全數賠償
(h) 手術室費: 全數賠償
(i) 訂明診斷成像檢測: 全數賠償
(j) 訂明非手術癌症治療: $2,500,000(US$312,500)
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses • 1 outpatient visit(s) or Emergency consultation(s) more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before 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: 全數賠償

額外保障 Extra

住院延伸保障: —
隔離病房費: —
懷孕併發症: 全數賠償
意外急症門診治療費用賠償: 全數賠償
出院後 / 日間手術後的中醫門診治療: $600(US$75)
家中看護: 全數賠償
復康保障: $1,000 - $100,000(US$125, US$12,500)
門診洗腎: 全數賠償
嚴重都市疾病額外保障: —
指定重建手術保障: $200,000(US$25,000)
醫療植入裝置: 全數賠償
出院後 / 日間手術後的額外門診輔助治療: $1,000(US$125)
善終服務: $100,000(US$12,500)
住院陪床: 全數賠償
主診醫生巡房費 (額外): —
深切治療 (額外): —
雜項開支 (額外): —
入院前後門診 (額外): —
病房及膳食 (額外): —
專科醫生費 (額外): —

現金保障 Cash

住院陪床: —
日間手術現金惠益: $2,000(US$250)
交通費用津貼惠益: —
特別獎賞: —
次級病房級別現金惠益: $2,000(US$250)

事件保障 Event

恩恤身故賠償: $80,000(US$10,000)
醫療意外事故保障: —