ByCompany

Chow Tai Fook Life Insurance Co Ltd — same-insurer plan comparison

Chow Tai Fook Life Insurance Co Ltd · 24 plan series (33 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.

24/24

''WiseCare'' Medical Insurance Plan

「卓康保」醫療保障計劃

Ver. Nov 23, 2025

Score59/100

StandardCat 1Ward: N/ARegion: Worldwide

VHIS Cert. No.: S00028-01-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: —

''BetterCare'' Medical Insurance Plan - Benefit Level 1 with SMM

「樂康保」醫療保障計劃 - 保障級別 1+超額醫療保障HKD + USD

Renewal only

Ver. Nov 23, 2025

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00021-01-000-03Benefits PDF Premiums PDF
F00021-04-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$500,000(US$64,520)
Per-illness limit: —
SMM Supplemental Major Medical: $100,000 · 20% co-insurance

''BetterCare'' Medical Insurance Plan - Benefit Level 2 with SMM

「樂康保」醫療保障計劃 - 保障級別 2+超額醫療保障HKD + USD

Renewal only

Ver. Nov 23, 2025

Score75/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00021-02-000-03Benefits PDF Premiums PDF
F00021-05-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$600,000(US$77,420)
Per-illness limit: —
SMM Supplemental Major Medical: $168,000 · 20% co-insurance

''BetterCare'' Medical Insurance Plan - Benefit Level 3 with SMM

「樂康保」醫療保障計劃 - 保障級別 3+超額醫療保障HKD + USD

Renewal only

Ver. Nov 23, 2025

Score88/100

FlexiCat 1Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00021-03-000-03Benefits PDF Premiums PDF
F00021-06-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$700,000(US$90,325)
Per-illness limit: —
SMM Supplemental Major Medical: $338,000 · 20% co-insurance

''TopCare'' Medical Insurance Plan - Benefit Level 1 with SMM

「摯康保」醫療保障計劃 - 保障級別 1+超額醫療保障HKD + USD

Ver. Nov 23, 2025

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00037-01-000-03Benefits PDF Premiums PDF
F00037-05-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: $100,000 · 15% co-insurance

''TopCare'' Medical Insurance Plan - Benefit Level 2 with SMM

「摯康保」醫療保障計劃 - 保障級別 2+超額醫療保障HKD + USD

Ver. Nov 23, 2025

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00037-02-000-03Benefits PDF Premiums PDF
F00037-06-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: $180,000 · 15% co-insurance

''TopCare'' Medical Insurance Plan - Benefit Level 3 with SMM

「摯康保」醫療保障計劃 - 保障級別 3+超額醫療保障HKD + USD

Ver. Nov 23, 2025

Score79/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00037-03-000-03Benefits PDF Premiums PDF
F00037-07-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: $180,000 · 15% co-insurance

''TopCare'' Medical Insurance Plan - Benefit Level 4 with SMM

「摯康保」醫療保障計劃 - 保障級別 4+超額醫療保障HKD + USD

Ver. Nov 23, 2025

Score93/100

FlexiCat 1Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00037-04-000-03Benefits PDF Premiums PDF
F00037-08-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness limit: —
SMM Supplemental Major Medical: $280,000 · 15% co-insurance

''FlexiCare'' Medical Insurance Plan - Benefit Level 1

「悅康保」醫療保障計劃 - 保障級別1HKD + USD

Ver. Nov 23, 2025

Score70/100

FlexiCat 2Ward: WardRegion: Worldwide

VHIS Cert. No.: F00064-01-000-02Benefits PDF Premiums PDF
F00064-03-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness annual limit: HK$600,000(US$77,420)
SMM Supplemental Major Medical: —

''FlexiCare'' Medical Insurance Plan - Benefit Level 2

「悅康保」醫療保障計劃 - 保障級別2HKD + USD

Ver. Nov 23, 2025

Score86/100

FlexiCat 2Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00064-02-000-02Benefits PDF Premiums PDF
F00064-04-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: —
Per-illness annual limit: HK$800,000(US$103,230)
SMM Supplemental Major Medical: —

''ChampCare'' Medical Insurance Plan - Benefit Level 1 - Asia (USD 4,640 Deductible + USD 4,640 Benefit Contribution Amount)

「逸康保」醫療保障計劃 - 保障級別 1 - 亞洲 (自付費4,640美元 + 保障分擔額4,640美元)USD

Ver. Jan 10, 2025

Score88/100

FlexiCat 3Ward: Semi-Private RoomRegion: Asia

VHIS Cert. No.: F00077-08-000-01Benefits PDF Premiums PDF
Lifetime Limit: US$12,903,240
Annual Limit: US$3,225,810
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

US$4,640+ BCA US$4,640

''ChampCare'' Medical Insurance Plan - Benefit Level 2 - Asia (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)

「逸康保」醫療保障計劃 - 保障級別 2 - 亞洲 (自付費2,320美元 + 保障分擔額2,320美元)USD

Ver. Jan 10, 2025

Score88/100

FlexiCat 3Ward: Semi-Private RoomRegion: Asia

VHIS Cert. No.: F00077-09-000-01Benefits PDF Premiums PDF
Lifetime Limit: US$12,903,240
Annual Limit: US$3,225,810
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

US$2,320+ BCA US$2,320

''ChampCare'' Medical Insurance Plan - Benefit Level 3 - Asia (USD 0 Deductible + USD 0 Benefit Contribution Amount)

「逸康保」醫療保障計劃 - 保障級別 3 - 亞洲 (自付費0美元 + 保障分擔額0美元)USD

Ver. Jan 10, 2025

Score88/100

FlexiCat 3Ward: Semi-Private RoomRegion: Asia

VHIS Cert. No.: F00077-10-000-01Benefits PDF Premiums PDF
Lifetime Limit: US$12,903,240
Annual Limit: US$3,225,810
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

US$0+ BCA US$0

''ChampCare'' Medical Insurance Plan - Benefit Level 1 - Asia (HKD 36,000 Deductible + HKD 36,000 Benefit Contribution Amount)

「逸康保」醫療保障計劃 - 保障級別 1 - 亞洲 (自付費36,000港元 + 保障分擔額36,000港元)

Ver. Jan 10, 2025

Score32/100

FlexiCat 3Ward: Semi-Private RoomRegion: Asia

VHIS Cert. No.: F00077-01-000-01Benefits PDF Premiums PDF
Lifetime Limit: HK$100,000,000
Annual Limit: HK$25,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$36K+ BCA $36K

''ChampCare'' Medical Insurance Plan - Benefit Level 2 - Asia (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)

「逸康保」醫療保障計劃 - 保障級別 2 - 亞洲 (自付費18,000港元 + 保障分擔額18,000港元)

Ver. Jan 10, 2025

Score52/100

FlexiCat 3Ward: Semi-Private RoomRegion: Asia

VHIS Cert. No.: F00077-02-000-01Benefits PDF Premiums PDF
Lifetime Limit: HK$100,000,000
Annual Limit: HK$25,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$18K+ BCA $18K

''ChampCare'' Medical Insurance Plan - Benefit Level 3 - Asia (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)

「逸康保」醫療保障計劃 - 保障級別 3 - 亞洲 (自付費0港元 + 保障分擔額0港元)

Ver. Jan 10, 2025

Score88/100

FlexiCat 3Ward: Semi-Private RoomRegion: Asia

VHIS Cert. No.: F00077-03-000-01Benefits PDF Premiums PDF
Lifetime Limit: HK$100,000,000
Annual Limit: HK$25,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0+ BCA $0

''ChampCare'' Medical Insurance Plan - Benefit Level 4 - Worldwide excluding USA (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)

「逸康保」醫療保障計劃 - 保障級別 4 - 全球(不包括美國) (自付費2,320美元 + 保障分擔額2,320美元)USD

Ver. Jan 10, 2025

Score98/100

FlexiCat 3Ward: Standard Private RoomRegion: Worldwide (excluding United States)

VHIS Cert. No.: F00077-11-000-01Benefits PDF Premiums PDF
Lifetime Limit: US$15,483,880
Annual Limit: US$3,870,970
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

US$2,320+ BCA US$2,320

''ChampCare'' Medical Insurance Plan - Benefit Level 5 - Worldwide excluding USA (USD 0 Deductible + USD 0 Benefit Contribution Amount)

「逸康保」醫療保障計劃 - 保障級別 5 - 全球(不包括美國) (自付費0美元 + 保障分擔額0美元)USD

Ver. Jan 10, 2025

Score98/100

FlexiCat 3Ward: Standard Private RoomRegion: Worldwide (excluding United States)

VHIS Cert. No.: F00077-12-000-01Benefits PDF Premiums PDF
Lifetime Limit: US$15,483,880
Annual Limit: US$3,870,970
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

US$0+ BCA US$0

''ChampCare'' Medical Insurance Plan - Benefit Level 4 - Worldwide excluding USA (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)

「逸康保」醫療保障計劃 - 保障級別 4 - 全球(不包括美國) (自付費18,000港元 + 保障分擔額18,000港元)

Ver. Jan 10, 2025

Score61/100

FlexiCat 3Ward: Standard Private RoomRegion: Worldwide (excluding United States)

VHIS Cert. No.: F00077-04-000-01Benefits PDF Premiums PDF
Lifetime Limit: HK$120,000,000
Annual Limit: HK$30,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$18K+ BCA $18K

''ChampCare'' Medical Insurance Plan - Benefit Level 5 - Worldwide excluding USA (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)

「逸康保」醫療保障計劃 - 保障級別 5 - 全球(不包括美國) (自付費0港元 + 保障分擔額0港元)

Ver. Jan 10, 2025

Score98/100

FlexiCat 3Ward: Standard Private RoomRegion: Worldwide (excluding United States)

VHIS Cert. No.: F00077-05-000-01Benefits PDF Premiums PDF
Lifetime Limit: HK$120,000,000
Annual Limit: HK$30,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0+ BCA $0

''ChampCare'' Medical Insurance Plan - Benefit Level 6 - Worldwide (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)

「逸康保」醫療保障計劃 - 保障級別 6 - 全球 (自付費2,320美元 + 保障分擔額2,320美元)USD

Ver. Jan 10, 2025

Score98/100

FlexiCat 3Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00077-13-000-01Benefits PDF Premiums PDF
Lifetime Limit: US$15,483,880
Annual Limit: US$3,870,970
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

US$2,320+ BCA US$2,320

''ChampCare'' Medical Insurance Plan - Benefit Level 7 - Worldwide (USD 0 Deductible + USD 0 Benefit Contribution Amount)

「逸康保」醫療保障計劃 - 保障級別 7 - 全球 (自付費0美元 + 保障分擔額0美元)USD

Ver. Jan 10, 2025

Score98/100

FlexiCat 3Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00077-14-000-01Benefits PDF Premiums PDF
Lifetime Limit: US$15,483,880
Annual Limit: US$3,870,970
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

US$0+ BCA US$0

''ChampCare'' Medical Insurance Plan - Benefit Level 6 - Worldwide (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)

「逸康保」醫療保障計劃 - 保障級別 6 - 全球 (自付費18,000港元 + 保障分擔額18,000港元)

Ver. Jan 10, 2025

Score61/100

FlexiCat 3Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00077-06-000-01Benefits PDF Premiums PDF
Lifetime Limit: HK$120,000,000
Annual Limit: HK$30,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$18K+ BCA $18K

''ChampCare'' Medical Insurance Plan - Benefit Level 7 - Worldwide (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)

「逸康保」醫療保障計劃 - 保障級別 7 - 全球 (自付費0港元 + 保障分擔額0港元)

Ver. Jan 10, 2025

Score98/100

FlexiCat 3Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00077-07-000-01Benefits PDF Premiums PDF
Lifetime Limit: HK$120,000,000
Annual Limit: HK$30,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0+ BCA $0

計劃名稱

''WiseCare'' Medical Insurance Plan

「卓康保」醫療保障計劃

Cat 1

Ver. Nov 23, 2025

VHIS Cert. No.

S00028-01-000-03Benefits 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 annual 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

Daily post-surgery home nursing benefit

—

Organ transplant donor benefit

—

Isolation ward charges benefit

—

Chinese Medicine Practitioner outpatient care

—

Prescribed Non-surgical Cancer Treatments (top-up)

—

Outpatient kidney dialysis

—

Emergency outpatient treatment for Accident

—

Complications of pregnancy

—

Hospice and palliative care benefit

—

Post-Confinement / Day Case Procedure auxiliary therapy

—

Reconstructive surgery for specified conditions

—

Medical implants / prosthetic devices

—

Outpatient care for special learning needs

—

Outpatient psychiatric care

—

Hospital companion bed fee reimbursement

—

Organ or bone-marrow transplant (top-up)

—

Income-loss medical upgrade benefit

—

Cash Benefits Cash

Day surgery cash benefit

—

Hospital transport cash allowance

—

Daily hospital cash supplement

—

Second-claim cash allowance

—

Lower ward class cash benefit

—

Event Benefits Event

Compassionate death benefit

$8,800

Medical accident and incident extension benefit

—

Accidental Death benefit

—

計劃名稱

''WiseCare'' Medical Insurance Plan

「卓康保」醫療保障計劃

Cat 1

Ver. Nov 23, 2025

計劃 1 / 24

「卓康保」醫療保障計劃

''WiseCare'' Medical Insurance Plan

標準Cat 1Ver. Nov 23, 2025保障評分 59/100

VHIS 認可編號: S00028-01-000-03
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

家中看護: —
器官移植的捐贈者保障: —
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: —
訂明非手術癌症治療 (額外): —
門診洗腎: —
意外急症門診治療費用賠償: —
懷孕併發症: —
善終服務: —
出院後 / 日間手術後的額外門診輔助治療: —
指定重建手術保障: —
醫療植入裝置: —
特殊學習需要門診護理: —
精神科門診護理: —
住院陪床: —
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: —
交通費用津貼惠益: —
額外現金補貼保障: —
第二索償現金津貼: —
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: —
意外身故賠償: —

計劃 2 / 24

「樂康保」醫療保障計劃 - 保障級別 1+超額醫療保障 (港元)HKD + USD

''BetterCare'' Medical Insurance Plan - Benefit Level 1 with SMM (HKD)

靈活Cat 1Ver. Nov 23, 2025保障評分 65/100

VHIS 認可編號: F00021-01-000-03F00021-04-000-03
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(US$64,520)
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: $900(US$120)
(b) 雜項開支: $14,000(US$1,810)
(c) 主診醫生巡房費: $800(US$105)
(d) 專科醫生費: $4,500(US$585)
(e) 深切治療: $4,500(US$585)
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: HKD$650 - $5,000USDUS$650
(f) 外科醫生費 — 中型: HKD$1,615 - $12,500USDUS$1,615
(f) 外科醫生費 — 大型: HKD$3,230 - $25,000USDUS$3,230
(f) 外科醫生費 — 複雜: HKD$6,455 - $50,000USDUS$6,455
(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(US$2,585)
(j) 訂明非手術癌症治療: $100,000(US$12,905)
(k) 入院前或出院後／日間手術前後的門診護理: $600, (US$80,) per visit, $5,000 (US$650) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 5 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: $50,000(US$6,455)

額外保障 Extra

家中看護: $400(US$55)
器官移植的捐贈者保障: $20,000(US$2,585)
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: —
訂明非手術癌症治療 (額外): —
門診洗腎: —
意外急症門診治療費用賠償: —
懷孕併發症: —
善終服務: —
出院後 / 日間手術後的額外門診輔助治療: —
指定重建手術保障: —
醫療植入裝置: —
特殊學習需要門診護理: —
精神科門診護理: —
住院陪床: $200(US$30)
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: —
交通費用津貼惠益: —
額外現金補貼保障: —
第二索償現金津貼: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $20,000(US$2,585)
醫療意外事故保障: —
意外身故賠償: —

計劃 3 / 24

「樂康保」醫療保障計劃 - 保障級別 2+超額醫療保障 (港元)HKD + USD

''BetterCare'' Medical Insurance Plan - Benefit Level 2 with SMM (HKD)

靈活Cat 1Ver. Nov 23, 2025保障評分 75/100 (74–75)

VHIS 認可編號: F00021-02-000-03F00021-05-000-03
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$600,000(US$77,420)
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $168,000 · 20% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,800(US$235)
(b) 雜項開支: $16,000(US$2,065)
(c) 主診醫生巡房費: $1,600(US$210)
(d) 專科醫生費: $5,500(US$710)
(e) 深切治療: $5,500(US$710)
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: HKD$775 - $6,000USDUS$775
(f) 外科醫生費 — 中型: HKD$1,940 - $15,000USDUS$1,940
(f) 外科醫生費 — 大型: HKD$3,875 - $30,000USDUS$3,875
(f) 外科醫生費 — 複雜: HKD$8,130 - $63,000USDUS$8,130
(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(US$3,230)
(j) 訂明非手術癌症治療: $120,000(US$15,485)
(k) 入院前或出院後／日間手術前後的門診護理: $700, (US$95,) per visit, $6,000 (US$775) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 5 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(US$7,100)

額外保障 Extra

家中看護: $700(US$95)
器官移植的捐贈者保障: $25,000(US$3,230)
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: —
訂明非手術癌症治療 (額外): —
門診洗腎: —
意外急症門診治療費用賠償: —
懷孕併發症: —
善終服務: —
出院後 / 日間手術後的額外門診輔助治療: —
指定重建手術保障: —
醫療植入裝置: —
特殊學習需要門診護理: —
精神科門診護理: —
住院陪床: $350(US$50)
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: —
交通費用津貼惠益: —
額外現金補貼保障: —
第二索償現金津貼: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $25,000(US$3,230)
醫療意外事故保障: —
意外身故賠償: —

計劃 4 / 24

「樂康保」醫療保障計劃 - 保障級別 3+超額醫療保障 (港元)HKD + USD

''BetterCare'' Medical Insurance Plan - Benefit Level 3 with SMM (HKD)

靈活Cat 1Ver. Nov 23, 2025保障評分 88/100

VHIS 認可編號: F00021-03-000-03F00021-06-000-03
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$700,000(US$90,325)
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $338,000 · 20% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $4,000(US$520)
(b) 雜項開支: $24,000(US$3,100)
(c) 主診醫生巡房費: $3,800(US$495)
(d) 專科醫生費: $10,000(US$1,295)
(e) 深切治療: $10,000(US$1,295)
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: HKD$1,035 - $8,000USDUS$1,035
(f) 外科醫生費 — 中型: HKD$3,230 - $25,000USDUS$3,230
(f) 外科醫生費 — 大型: HKD$5,165 - $40,000USDUS$5,165
(f) 外科醫生費 — 複雜: HKD$10,840 - $84,000USDUS$10,840
(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(US$3,875)
(j) 訂明非手術癌症治療: $150,000(US$19,355)
(k) 入院前或出院後／日間手術前後的門診護理: $800, (US$105,) per visit, $7,000 (US$905) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 5 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: $60,000(US$7,745)

額外保障 Extra

家中看護: $1,000(US$130)
器官移植的捐贈者保障: $30,000(US$3,875)
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: —
訂明非手術癌症治療 (額外): —
門診洗腎: —
意外急症門診治療費用賠償: —
懷孕併發症: —
善終服務: —
出院後 / 日間手術後的額外門診輔助治療: —
指定重建手術保障: —
醫療植入裝置: —
特殊學習需要門診護理: —
精神科門診護理: —
住院陪床: $500(US$65)
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: —
交通費用津貼惠益: —
額外現金補貼保障: —
第二索償現金津貼: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $30,000(US$3,875)
醫療意外事故保障: —
意外身故賠償: —

計劃 5 / 24

「摯康保」醫療保障計劃 - 保障級別 1+超額醫療保障 (港元)HKD + USD

''TopCare'' Medical Insurance Plan - Benefit Level 1 with SMM (HKD)

靈活Cat 1Ver. Nov 23, 2025保障評分 65/100

VHIS 認可編號: F00037-01-000-03F00037-05-000-03
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: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $100,000 · 15% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,200(US$155)
(b) 雜項開支: $16,000(US$2,065)
(c) 主診醫生巡房費: $950(US$125)
(d) 專科醫生費: $6,000(US$775)
(e) 深切治療: $6,000(US$775)
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: HKD$650 - $5,000USDUS$650
(f) 外科醫生費 — 中型: HKD$1,615 - $12,500USDUS$1,615
(f) 外科醫生費 — 大型: HKD$3,875 - $30,000USDUS$3,875
(f) 外科醫生費 — 複雜: HKD$9,035 - $70,000USDUS$9,035
(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(US$3,230)
(j) 訂明非手術癌症治療: $120,000(US$15,485)
(k) 入院前或出院後／日間手術前後的門診護理: $800, (US$105,) per visit, $5,000 (US$650) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 6 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: $50,000(US$6,455)

額外保障 Extra

家中看護: $800(US$105)
器官移植的捐贈者保障: $20,000 - $100,000(US$2,585, US$12,905)
隔離病房費: $1,200(US$155)
出院後 / 日間手術後的中醫門診治療: $600(US$80)
訂明非手術癌症治療 (額外): $120,000(US$15,485)
門診洗腎: $50,000(US$6,455)
意外急症門診治療費用賠償: $10,000(US$1,295)
懷孕併發症: Eligible Expenses or actual charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i), (k) of I) Basic Benefits and (a) – (d) of II) Additional Benefits
善終服務: $30,000(US$3,875)
出院後 / 日間手術後的額外門診輔助治療: —
指定重建手術保障: —
醫療植入裝置: —
特殊學習需要門診護理: —
精神科門診護理: —
住院陪床: 全數賠償
器官或骨髓移植 (額外): Upon diagnosis of heart attack, stroke, diabetes-related complications requiring surgical treatment, or a medical condition requiring major organ or bone marrow transplant – the Coinsurance under Supplemental Major Medical Benefits is reduced to 0% (i.e. 100% reimbursement rate)
收入損失升級醫療保障: Coinsurance under Supplemental Major Medical Benefits is reduced to 0% (i.e. 100% reimbursement rate)

現金保障 Cash

日間手術現金惠益: $800(US$105)
交通費用津貼惠益: Not applicable
額外現金補貼保障: Not applicable
第二索償現金津貼: $3,000(US$390)
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $20,000(US$2,585)
醫療意外事故保障: $100,000(US$12,905)
意外身故賠償: —

計劃 6 / 24

「摯康保」醫療保障計劃 - 保障級別 2+超額醫療保障 (港元)HKD + USD

''TopCare'' Medical Insurance Plan - Benefit Level 2 with SMM (HKD)

靈活Cat 1Ver. Nov 23, 2025保障評分 65/100

VHIS 認可編號: F00037-02-000-03F00037-06-000-03
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: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $180,000 · 15% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,200(US$155)
(b) 雜項開支: $16,000(US$2,065)
(c) 主診醫生巡房費: $950(US$125)
(d) 專科醫生費: $6,000(US$775)
(e) 深切治療: $6,000(US$775)
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: HKD$650 - $5,000USDUS$650
(f) 外科醫生費 — 中型: HKD$1,615 - $12,500USDUS$1,615
(f) 外科醫生費 — 大型: HKD$3,875 - $30,000USDUS$3,875
(f) 外科醫生費 — 複雜: HKD$9,035 - $70,000USDUS$9,035
(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(US$3,230)
(j) 訂明非手術癌症治療: $120,000(US$15,485)
(k) 入院前或出院後／日間手術前後的門診護理: $800, (US$105,) per visit, $5,000 (US$650) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 6 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: $50,000(US$6,455)

額外保障 Extra

家中看護: $800(US$105)
器官移植的捐贈者保障: $20,000 - $100,000(US$2,585, US$12,905)
隔離病房費: $1,200(US$155)
出院後 / 日間手術後的中醫門診治療: $600(US$80)
訂明非手術癌症治療 (額外): $120,000(US$15,485)
門診洗腎: $50,000(US$6,455)
意外急症門診治療費用賠償: $10,000(US$1,295)
懷孕併發症: Eligible Expenses or actual charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i), (k) of I) Basic Benefits and (a) – (d) of II) Additional Benefits
善終服務: $30,000(US$3,875)
出院後 / 日間手術後的額外門診輔助治療: —
指定重建手術保障: —
醫療植入裝置: —
特殊學習需要門診護理: —
精神科門診護理: —
住院陪床: 全數賠償
器官或骨髓移植 (額外): Upon diagnosis of heart attack, stroke, diabetes-related complications requiring surgical treatment, or a medical condition requiring major organ or bone marrow transplant – the Coinsurance under Supplemental Major Medical Benefits is reduced to 0% (i.e. 100% reimbursement rate)
收入損失升級醫療保障: Coinsurance under Supplemental Major Medical Benefits is reduced to 0% (i.e. 100% reimbursement rate)

現金保障 Cash

日間手術現金惠益: $800(US$105)
交通費用津貼惠益: Not applicable
額外現金補貼保障: Not applicable
第二索償現金津貼: $3,000(US$390)
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $20,000(US$2,585)
醫療意外事故保障: $100,000(US$12,905)
意外身故賠償: —

計劃 7 / 24

「摯康保」醫療保障計劃 - 保障級別 3+超額醫療保障 (港元)HKD + USD

''TopCare'' Medical Insurance Plan - Benefit Level 3 with SMM (HKD)

靈活Cat 1Ver. Nov 23, 2025保障評分 79/100

VHIS 認可編號: F00037-03-000-03F00037-07-000-03
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: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $180,000 · 15% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $2,300(US$300)
(b) 雜項開支: $23,000(US$2,970)
(c) 主診醫生巡房費: $2,000(US$260)
(d) 專科醫生費: $9,000(US$1,165)
(e) 深切治療: $9,000(US$1,165)
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: HKD$1,295 - $10,000USDUS$1,295
(f) 外科醫生費 — 中型: HKD$3,230 - $25,000USDUS$3,230
(f) 外科醫生費 — 大型: HKD$6,455 - $50,000USDUS$6,455
(f) 外科醫生費 — 複雜: HKD$12,905 - $100,000USDUS$12,905
(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(US$3,875)
(j) 訂明非手術癌症治療: $140,000(US$18,065)
(k) 入院前或出院後／日間手術前後的門診護理: $1,200, (US$155,) per visit, $8,000 (US$1,035) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 6 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: $60,000(US$7,745)

額外保障 Extra

家中看護: $1,200(US$155)
器官移植的捐贈者保障: $30,000 - $200,000(US$3,875, US$25,810)
隔離病房費: $2,300(US$300)
出院後 / 日間手術後的中醫門診治療: $900(US$120)
訂明非手術癌症治療 (額外): $140,000(US$18,065)
門診洗腎: $80,000(US$10,325)
意外急症門診治療費用賠償: $20,000(US$2,585)
懷孕併發症: Eligible Expenses or actual charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i), (k) of I) Basic Benefits and (a) – (d) of II) Additional Benefits
善終服務: $50,000(US$6,455)
出院後 / 日間手術後的額外門診輔助治療: —
指定重建手術保障: —
醫療植入裝置: —
特殊學習需要門診護理: —
精神科門診護理: —
住院陪床: 全數賠償
器官或骨髓移植 (額外): Upon diagnosis of heart attack, stroke, diabetes-related complications requiring surgical treatment, or a medical condition requiring major organ or bone marrow transplant – the Coinsurance under Supplemental Major Medical Benefits is reduced to 0% (i.e. 100% reimbursement rate)
收入損失升級醫療保障: Coinsurance under Supplemental Major Medical Benefits is reduced to 0% (i.e. 100% reimbursement rate)

現金保障 Cash

日間手術現金惠益: $1,200(US$155)
交通費用津貼惠益: $300(US$40)
額外現金補貼保障: $1,000(US$130)
第二索償現金津貼: $6,000(US$775)
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $30,000(US$3,875)
醫療意外事故保障: $200,000(US$25,810)
意外身故賠償: —

計劃 8 / 24

「摯康保」醫療保障計劃 - 保障級別 4+超額醫療保障 (港元)HKD + USD

''TopCare'' Medical Insurance Plan - Benefit Level 4 with SMM (HKD)

靈活Cat 1Ver. Nov 23, 2025保障評分 93/100

VHIS 認可編號: F00037-04-000-03F00037-08-000-03
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: —
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $280,000 · 15% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $5,200(US$675)
(b) 雜項開支: $36,000(US$4,650)
(c) 主診醫生巡房費: $4,500(US$585)
(d) 專科醫生費: $15,000(US$1,940)
(e) 深切治療: $15,000(US$1,940)
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: HKD$1,940 - $15,000USDUS$1,940
(f) 外科醫生費 — 中型: HKD$4,195 - $32,500USDUS$4,195
(f) 外科醫生費 — 大型: HKD$9,680 - $75,000USDUS$9,680
(f) 外科醫生費 — 複雜: HKD$20,650 - $160,000USDUS$20,650
(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(US$5,165)
(j) 訂明非手術癌症治療: $160,000(US$20,650)
(k) 入院前或出院後／日間手術前後的門診護理: $1,600, (US$210,) per visit, $10,000 (US$1,295) per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 6 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: $80,000(US$10,325)

額外保障 Extra

家中看護: $2,000(US$260)
器官移植的捐贈者保障: $40,000 - $400,000(US$5,165, US$51,615)
隔離病房費: $5,200(US$675)
出院後 / 日間手術後的中醫門診治療: $1,200(US$155)
訂明非手術癌症治療 (額外): $160,000(US$20,650)
門診洗腎: $150,000(US$19,355)
意外急症門診治療費用賠償: $30,000(US$3,875)
懷孕併發症: Eligible Expenses or actual charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i), (k) of I) Basic Benefits and (a) – (d) of II) Additional Benefits
善終服務: $80,000(US$10,325)
出院後 / 日間手術後的額外門診輔助治療: —
指定重建手術保障: —
醫療植入裝置: —
特殊學習需要門診護理: —
精神科門診護理: —
住院陪床: 全數賠償
器官或骨髓移植 (額外): Upon diagnosis of heart attack, stroke, diabetes-related complications requiring surgical treatment, or a medical condition requiring major organ or bone marrow transplant – the Coinsurance under Supplemental Major Medical Benefits is reduced to 0% (i.e. 100% reimbursement rate)
收入損失升級醫療保障: Coinsurance under Supplemental Major Medical Benefits is reduced to 0% (i.e. 100% reimbursement rate)

現金保障 Cash

日間手術現金惠益: $2,000(US$260)
交通費用津貼惠益: $300(US$40)
額外現金補貼保障: $1,200(US$155)
第二索償現金津貼: $12,000(US$1,550)
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $50,000(US$6,455)
醫療意外事故保障: $400,000(US$51,615)
意外身故賠償: —

計劃 9 / 24

「悅康保」醫療保障計劃 - 保障級別1 (港元)HKD + USD

''FlexiCare'' Medical Insurance Plan - Benefit Level 1 (HKD)

靈活Cat 2Ver. Nov 23, 2025保障評分 70/100

VHIS 認可編號: F00064-01-000-02F00064-03-000-02
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: —
終身賠償限額: —
每傷病賠償限額: HK$600,000(US$77,420)
SMM 額外醫療保障: —
自付費選項: —

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: 全數賠償
(k) 入院前或出院後／日間手術前後的門診護理: $900(US$120)
(l) 精神科治療: $200,000(US$25,810)

額外保障 Extra

家中看護: 全數賠償
器官移植的捐贈者保障: $20,000 - $100,000(US$2,585, US$12,905)
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: 全數賠償
訂明非手術癌症治療 (額外): —
門診洗腎: 全數賠償
意外急症門診治療費用賠償: 全數賠償
懷孕併發症: Eligible Expenses and/or charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i), (k) of I) Basic Benefits and (a) – (d) of II) Additional Benefits
善終服務: $30,000(US$3,875)
出院後 / 日間手術後的額外門診輔助治療: —
指定重建手術保障: —
醫療植入裝置: —
特殊學習需要門診護理: —
精神科門診護理: —
住院陪床: 全數賠償
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: $800(US$105)
交通費用津貼惠益: —
額外現金補貼保障: $3,000(US$390)
第二索償現金津貼: —
次級病房級別現金惠益: Not applicable

事件保障 Event

恩恤身故賠償: $20,000(US$2,585)
醫療意外事故保障: $100,000(US$12,905)
意外身故賠償: $20,000 - $100,000(US$2,585, US$12,905)

計劃 10 / 24

「悅康保」醫療保障計劃 - 保障級別2 (港元)HKD + USD

''FlexiCare'' Medical Insurance Plan - Benefit Level 2 (HKD)

靈活Cat 2Ver. Nov 23, 2025保障評分 86/100

VHIS 認可編號: F00064-02-000-02F00064-04-000-02
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: —
終身賠償限額: —
每傷病賠償限額: HK$800,000(US$103,230)
SMM 額外醫療保障: —
自付費選項: —

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: 全數賠償
(k) 入院前或出院後／日間手術前後的門診護理: $1,300(US$170)
(l) 精神科治療: $250,000(US$32,260)

額外保障 Extra

家中看護: 全數賠償
器官移植的捐贈者保障: $30,000 - $200,000(US$3,875, US$25,810)
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: 全數賠償
訂明非手術癌症治療 (額外): —
門診洗腎: 全數賠償
意外急症門診治療費用賠償: 全數賠償
懷孕併發症: Eligible Expenses and/or charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i), (k) of I) Basic Benefits and (a) – (d) of II) Additional Benefits
善終服務: $50,000(US$6,455)
出院後 / 日間手術後的額外門診輔助治療: —
指定重建手術保障: —
醫療植入裝置: —
特殊學習需要門診護理: —
精神科門診護理: —
住院陪床: 全數賠償
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: $1,200(US$155)
交通費用津貼惠益: —
額外現金補貼保障: $6,000(US$775)
第二索償現金津貼: —
次級病房級別現金惠益: $1,000(US$130)

事件保障 Event

恩恤身故賠償: $30,000(US$3,875)
醫療意外事故保障: $200,000(US$25,810)
意外身故賠償: $30,000 - $200,000(US$3,875, US$25,810)

計劃 11 / 24

「逸康保」醫療保障計劃 - 保障級別 1 - 亞洲 (自付費4,640美元 + 保障分擔額4,640美元)USD

''ChampCare'' Medical Insurance Plan - Benefit Level 1 - Asia (USD 4,640 Deductible + USD 4,640 Benefit Contribution Amount)

靈活Cat 3Ver. Jan 10, 2025保障評分 88/100

VHIS 認可編號: F00077-08-000-01
計劃類別: 靈活
保障地域範圍: 亞洲 Asia
病房級別: 半私家病房 Semi-Private
每年賠償限額: US$3,225,810
終身賠償限額: US$12,903,240
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: US$4,640 + BCA US$4,640

基本保障 Basic

(a) 病房及膳食: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(b) 雜項開支: Full reimbursement of Eligible Expenses (subject to (a) the benefit limit under additional benefit (II)(h); and (b) Deductible and Coinsurance, if applicable)
(c) 主診醫生巡房費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(d) 專科醫生費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(e) 深切治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(f) 外科醫生費: Full reimbursement of Eligible Expenses regardless of surgical category (subject to Deductible and Coinsurance, if applicable)
(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: Full reimbursement of Eligible Expenses
(h) 手術室費: Full reimbursement of Eligible Expenses
(i) 訂明診斷成像檢測: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(j) 訂明非手術癌症治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable). The specified consultations exclude physiotherapy, chiropractic treatment, occupational therapy and speech therapy: • 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 • All follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits within 180 days after discharge from Hospital following surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement
(l) 精神科治療: US$3,875 per Policy Year (subject to Deductible and Coinsurance, if applicable)

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) • Maximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within the post-discharge window)
器官移植的捐贈者保障: —
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: US$105 per day (subject to Deductible and Coinsurance, if applicable). Cost of attending Chinese medicine practitioner's ward visits, acupuncture treatments and/or prescribed Chinese medicine. • US$3,875 per Policy Year
訂明非手術癌症治療 (額外): —
門診洗腎: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
意外急症門診治療費用賠償: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
懷孕併發症: Eligible Expenses and/or charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i) and (k) of I) Basic Benefits and (a) – (c) of II) Additional Benefits
善終服務: —
出院後 / 日間手術後的額外門診輔助治療: US$775 per Policy Year (subject to Deductible and Coinsurance, if applicable) • Up to 1 per day (within the post-discharge window after Confinement or Day Case Procedure, payable only when the maximum number of visits under benefit item (k) of I) Basic Benefits is exhausted)
指定重建手術保障: US$32,260 per Policy Year (subject to Deductible and Coinsurance, if applicable). Eligible Expenses for the relevant surgeries are payable under benefit items (a) – (i) and (k) of I) Basic Benefits.
醫療植入裝置: Specified items: Full reimbursement of Eligible Expenses; non-specified items: US$19,355 per Policy Year (subject to Deductible and Coinsurance, if applicable)
特殊學習需要門診護理: Up to US$130 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
精神科門診護理: Up to US$130 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
住院陪床: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: —
交通費用津貼惠益: —
額外現金補貼保障: —
第二索償現金津貼: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: US$1,295
醫療意外事故保障: —
意外身故賠償: —

計劃 12 / 24

「逸康保」醫療保障計劃 - 保障級別 2 - 亞洲 (自付費2,320美元 + 保障分擔額2,320美元)USD

''ChampCare'' Medical Insurance Plan - Benefit Level 2 - Asia (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)

靈活Cat 3Ver. Jan 10, 2025保障評分 88/100

VHIS 認可編號: F00077-09-000-01
計劃類別: 靈活
保障地域範圍: 亞洲 Asia
病房級別: 半私家病房 Semi-Private
每年賠償限額: US$3,225,810
終身賠償限額: US$12,903,240
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: US$2,320 + BCA US$2,320

基本保障 Basic

(a) 病房及膳食: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(b) 雜項開支: Full reimbursement of Eligible Expenses (subject to (a) the benefit limit under additional benefit (II)(h); and (b) Deductible and Coinsurance, if applicable)
(c) 主診醫生巡房費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(d) 專科醫生費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(e) 深切治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(f) 外科醫生費: Full reimbursement of Eligible Expenses regardless of surgical category (subject to Deductible and Coinsurance, if applicable)
(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: Full reimbursement of Eligible Expenses
(h) 手術室費: Full reimbursement of Eligible Expenses
(i) 訂明診斷成像檢測: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(j) 訂明非手術癌症治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable). The specified consultations exclude physiotherapy, chiropractic treatment, occupational therapy and speech therapy: • 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 • All follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits within 180 days after discharge from Hospital following surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement
(l) 精神科治療: US$3,875 per Policy Year (subject to Deductible and Coinsurance, if applicable)

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) • Maximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within the post-discharge window)
器官移植的捐贈者保障: —
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: US$105 per day (subject to Deductible and Coinsurance, if applicable). Cost of attending Chinese medicine practitioner's ward visits, acupuncture treatments and/or prescribed Chinese medicine. • US$3,875 per Policy Year
訂明非手術癌症治療 (額外): —
門診洗腎: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
意外急症門診治療費用賠償: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
懷孕併發症: Eligible Expenses and/or charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i) and (k) of I) Basic Benefits and (a) – (c) of II) Additional Benefits
善終服務: —
出院後 / 日間手術後的額外門診輔助治療: US$775 per Policy Year (subject to Deductible and Coinsurance, if applicable) • Up to 1 per day (within the post-discharge window after Confinement or Day Case Procedure, payable only when the maximum number of visits under benefit item (k) of I) Basic Benefits is exhausted)
指定重建手術保障: US$32,260 per Policy Year (subject to Deductible and Coinsurance, if applicable). Eligible Expenses for the relevant surgeries are payable under benefit items (a) – (i) and (k) of I) Basic Benefits.
醫療植入裝置: Specified items: Full reimbursement of Eligible Expenses; non-specified items: US$19,355 per Policy Year (subject to Deductible and Coinsurance, if applicable)
特殊學習需要門診護理: Up to US$130 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
精神科門診護理: Up to US$130 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
住院陪床: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: —
交通費用津貼惠益: —
額外現金補貼保障: —
第二索償現金津貼: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: US$1,295
醫療意外事故保障: —
意外身故賠償: —

計劃 13 / 24

「逸康保」醫療保障計劃 - 保障級別 3 - 亞洲 (自付費0美元 + 保障分擔額0美元)USD

''ChampCare'' Medical Insurance Plan - Benefit Level 3 - Asia (USD 0 Deductible + USD 0 Benefit Contribution Amount)

靈活Cat 3Ver. Jan 10, 2025保障評分 88/100

VHIS 認可編號: F00077-10-000-01
計劃類別: 靈活
保障地域範圍: 亞洲 Asia
病房級別: 半私家病房 Semi-Private
每年賠償限額: US$3,225,810
終身賠償限額: US$12,903,240
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: US$0 + BCA US$0

基本保障 Basic

(a) 病房及膳食: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(b) 雜項開支: Full reimbursement of Eligible Expenses (subject to (a) the benefit limit under additional benefit (II)(h); and (b) Deductible and Coinsurance, if applicable)
(c) 主診醫生巡房費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(d) 專科醫生費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(e) 深切治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(f) 外科醫生費: Full reimbursement of Eligible Expenses regardless of surgical category (subject to Deductible and Coinsurance, if applicable)
(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: Full reimbursement of Eligible Expenses
(h) 手術室費: Full reimbursement of Eligible Expenses
(i) 訂明診斷成像檢測: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(j) 訂明非手術癌症治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable). The specified consultations exclude physiotherapy, chiropractic treatment, occupational therapy and speech therapy: • 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 • All follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits within 180 days after discharge from Hospital following surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement
(l) 精神科治療: US$3,875 per Policy Year (subject to Deductible and Coinsurance, if applicable)

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) • Maximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within the post-discharge window)
器官移植的捐贈者保障: —
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: US$105 per day (subject to Deductible and Coinsurance, if applicable). Cost of attending Chinese medicine practitioner's ward visits, acupuncture treatments and/or prescribed Chinese medicine. • US$3,875 per Policy Year
訂明非手術癌症治療 (額外): —
門診洗腎: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
意外急症門診治療費用賠償: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
懷孕併發症: Eligible Expenses and/or charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i) and (k) of I) Basic Benefits and (a) – (c) of II) Additional Benefits
善終服務: —
出院後 / 日間手術後的額外門診輔助治療: US$775 per Policy Year (subject to Deductible and Coinsurance, if applicable) • Up to 1 per day (within the post-discharge window after Confinement or Day Case Procedure, payable only when the maximum number of visits under benefit item (k) of I) Basic Benefits is exhausted)
指定重建手術保障: US$32,260 per Policy Year (subject to Deductible and Coinsurance, if applicable). Eligible Expenses for the relevant surgeries are payable under benefit items (a) – (i) and (k) of I) Basic Benefits.
醫療植入裝置: Specified items: Full reimbursement of Eligible Expenses; non-specified items: US$19,355 per Policy Year (subject to Deductible and Coinsurance, if applicable)
特殊學習需要門診護理: Up to US$130 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
精神科門診護理: Up to US$130 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
住院陪床: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: —
交通費用津貼惠益: —
額外現金補貼保障: —
第二索償現金津貼: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: US$1,295
醫療意外事故保障: —
意外身故賠償: —

計劃 14 / 24

「逸康保」醫療保障計劃 - 保障級別 1 - 亞洲 (自付費36,000港元 + 保障分擔額36,000港元)

''ChampCare'' Medical Insurance Plan - Benefit Level 1 - Asia (HKD 36,000 Deductible + HKD 36,000 Benefit Contribution Amount)

靈活Cat 3Ver. Jan 10, 2025保障評分 32/100

VHIS 認可編號: F00077-01-000-01
計劃類別: 靈活
保障地域範圍: 亞洲 Asia
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$25,000,000
終身賠償限額: HK$100,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $36K + BCA $36K

基本保障 Basic

(a) 病房及膳食: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(b) 雜項開支: Full reimbursement of Eligible Expenses (subject to (a) the benefit limit under additional benefit (II)(h); and (b) Deductible and Coinsurance, if applicable)
(c) 主診醫生巡房費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(d) 專科醫生費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(e) 深切治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(f) 外科醫生費: Full reimbursement of Eligible Expenses regardless of surgical category (subject to Deductible and Coinsurance, if applicable)
(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: Full reimbursement of Eligible Expenses
(h) 手術室費: Full reimbursement of Eligible Expenses
(i) 訂明診斷成像檢測: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(j) 訂明非手術癌症治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable). The specified consultations exclude physiotherapy, chiropractic treatment, occupational therapy and speech therapy: • 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 • All follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits within 180 days after discharge from Hospital following surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement
(l) 精神科治療: $30,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) • Maximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within the post-discharge window)
器官移植的捐贈者保障: —
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: $800 per day (subject to Deductible and Coinsurance, if applicable). Cost of attending Chinese medicine practitioner's ward visits, acupuncture treatments and/or prescribed Chinese medicine. • $30,000 per Policy Year
訂明非手術癌症治療 (額外): —
門診洗腎: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
意外急症門診治療費用賠償: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
懷孕併發症: Eligible Expenses and/or charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i) and (k) of I) Basic Benefits and (a) – (c) of II) Additional Benefits
善終服務: —
出院後 / 日間手術後的額外門診輔助治療: $6,000 per Policy Year (subject to Deductible and Coinsurance, if applicable) • Up to 1 per day (within the post-discharge window after Confinement or Day Case Procedure, payable only when the maximum number of visits under benefit item (k) of I) Basic Benefits is exhausted)
指定重建手術保障: $250,000 per Policy Year (subject to Deductible and Coinsurance, if applicable). Eligible Expenses for the relevant surgeries are payable under benefit items (a) – (i) and (k) of I) Basic Benefits.
醫療植入裝置: Specified items: Full reimbursement of Eligible Expenses; non-specified items: $150,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
特殊學習需要門診護理: Up to $1,000 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
精神科門診護理: Up to $1,000 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
住院陪床: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: —
交通費用津貼惠益: —
額外現金補貼保障: —
第二索償現金津貼: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: —
意外身故賠償: —

計劃 15 / 24

「逸康保」醫療保障計劃 - 保障級別 2 - 亞洲 (自付費18,000港元 + 保障分擔額18,000港元)

''ChampCare'' Medical Insurance Plan - Benefit Level 2 - Asia (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)

靈活Cat 3Ver. Jan 10, 2025保障評分 52/100

VHIS 認可編號: F00077-02-000-01
計劃類別: 靈活
保障地域範圍: 亞洲 Asia
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$25,000,000
終身賠償限額: HK$100,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $18K + BCA $18K

基本保障 Basic

(a) 病房及膳食: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(b) 雜項開支: Full reimbursement of Eligible Expenses (subject to (a) the benefit limit under additional benefit (II)(h); and (b) Deductible and Coinsurance, if applicable)
(c) 主診醫生巡房費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(d) 專科醫生費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(e) 深切治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(f) 外科醫生費: Full reimbursement of Eligible Expenses regardless of surgical category (subject to Deductible and Coinsurance, if applicable)
(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: Full reimbursement of Eligible Expenses
(h) 手術室費: Full reimbursement of Eligible Expenses
(i) 訂明診斷成像檢測: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(j) 訂明非手術癌症治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable). The specified consultations exclude physiotherapy, chiropractic treatment, occupational therapy and speech therapy: • 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 • All follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits within 180 days after discharge from Hospital following surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement
(l) 精神科治療: $30,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) • Maximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within the post-discharge window)
器官移植的捐贈者保障: —
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: $800 per day (subject to Deductible and Coinsurance, if applicable). Cost of attending Chinese medicine practitioner's ward visits, acupuncture treatments and/or prescribed Chinese medicine. • $30,000 per Policy Year
訂明非手術癌症治療 (額外): —
門診洗腎: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
意外急症門診治療費用賠償: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
懷孕併發症: Eligible Expenses and/or charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i) and (k) of I) Basic Benefits and (a) – (c) of II) Additional Benefits
善終服務: —
出院後 / 日間手術後的額外門診輔助治療: $6,000 per Policy Year (subject to Deductible and Coinsurance, if applicable) • Up to 1 per day (within the post-discharge window after Confinement or Day Case Procedure, payable only when the maximum number of visits under benefit item (k) of I) Basic Benefits is exhausted)
指定重建手術保障: $250,000 per Policy Year (subject to Deductible and Coinsurance, if applicable). Eligible Expenses for the relevant surgeries are payable under benefit items (a) – (i) and (k) of I) Basic Benefits.
醫療植入裝置: Specified items: Full reimbursement of Eligible Expenses; non-specified items: $150,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
特殊學習需要門診護理: Up to $1,000 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
精神科門診護理: Up to $1,000 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
住院陪床: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: —
交通費用津貼惠益: —
額外現金補貼保障: —
第二索償現金津貼: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: —
意外身故賠償: —

計劃 16 / 24

「逸康保」醫療保障計劃 - 保障級別 3 - 亞洲 (自付費0港元 + 保障分擔額0港元)

''ChampCare'' Medical Insurance Plan - Benefit Level 3 - Asia (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)

靈活Cat 3Ver. Jan 10, 2025保障評分 88/100

VHIS 認可編號: F00077-03-000-01
計劃類別: 靈活
保障地域範圍: 亞洲 Asia
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$25,000,000
終身賠償限額: HK$100,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 + BCA $0

基本保障 Basic

(a) 病房及膳食: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(b) 雜項開支: Full reimbursement of Eligible Expenses (subject to (a) the benefit limit under additional benefit (II)(h); and (b) Deductible and Coinsurance, if applicable)
(c) 主診醫生巡房費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(d) 專科醫生費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(e) 深切治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(f) 外科醫生費: Full reimbursement of Eligible Expenses regardless of surgical category (subject to Deductible and Coinsurance, if applicable)
(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: Full reimbursement of Eligible Expenses
(h) 手術室費: Full reimbursement of Eligible Expenses
(i) 訂明診斷成像檢測: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(j) 訂明非手術癌症治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable). The specified consultations exclude physiotherapy, chiropractic treatment, occupational therapy and speech therapy: • 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 • All follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits within 180 days after discharge from Hospital following surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement
(l) 精神科治療: $30,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) • Maximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within the post-discharge window)
器官移植的捐贈者保障: —
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: $800 per day (subject to Deductible and Coinsurance, if applicable). Cost of attending Chinese medicine practitioner's ward visits, acupuncture treatments and/or prescribed Chinese medicine. • $30,000 per Policy Year
訂明非手術癌症治療 (額外): —
門診洗腎: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
意外急症門診治療費用賠償: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
懷孕併發症: Eligible Expenses and/or charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i) and (k) of I) Basic Benefits and (a) – (c) of II) Additional Benefits
善終服務: —
出院後 / 日間手術後的額外門診輔助治療: $6,000 per Policy Year (subject to Deductible and Coinsurance, if applicable) • Up to 1 per day (within the post-discharge window after Confinement or Day Case Procedure, payable only when the maximum number of visits under benefit item (k) of I) Basic Benefits is exhausted)
指定重建手術保障: $250,000 per Policy Year (subject to Deductible and Coinsurance, if applicable). Eligible Expenses for the relevant surgeries are payable under benefit items (a) – (i) and (k) of I) Basic Benefits.
醫療植入裝置: Specified items: Full reimbursement of Eligible Expenses; non-specified items: $150,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
特殊學習需要門診護理: Up to $1,000 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
精神科門診護理: Up to $1,000 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
住院陪床: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: —
交通費用津貼惠益: —
額外現金補貼保障: —
第二索償現金津貼: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: —
意外身故賠償: —

計劃 17 / 24

「逸康保」醫療保障計劃 - 保障級別 4 - 全球(不包括美國) (自付費2,320美元 + 保障分擔額2,320美元)USD

''ChampCare'' Medical Insurance Plan - Benefit Level 4 - Worldwide excluding USA (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)

靈活Cat 3Ver. Jan 10, 2025保障評分 98/100

VHIS 認可編號: F00077-11-000-01
計劃類別: 靈活
保障地域範圍: 全球 (不含美國)
病房級別: 私家病房 Private
每年賠償限額: US$3,870,970
終身賠償限額: US$15,483,880
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: US$2,320 + BCA US$2,320

基本保障 Basic

(a) 病房及膳食: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(b) 雜項開支: Full reimbursement of Eligible Expenses (subject to (a) the benefit limit under additional benefit (II)(h); and (b) Deductible and Coinsurance, if applicable)
(c) 主診醫生巡房費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(d) 專科醫生費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(e) 深切治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(f) 外科醫生費: Full reimbursement of Eligible Expenses regardless of surgical category (subject to Deductible and Coinsurance, if applicable)
(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: Full reimbursement of Eligible Expenses
(h) 手術室費: Full reimbursement of Eligible Expenses
(i) 訂明診斷成像檢測: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(j) 訂明非手術癌症治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable). The specified consultations exclude physiotherapy, chiropractic treatment, occupational therapy and speech therapy: • 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 • All follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits within 180 days after discharge from Hospital following surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement
(l) 精神科治療: US$3,875 per Policy Year (subject to Deductible and Coinsurance, if applicable)

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) • Maximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within the post-discharge window)
器官移植的捐贈者保障: —
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: US$130 per day (subject to Deductible and Coinsurance, if applicable). Cost of attending Chinese medicine practitioner's ward visits, acupuncture treatments and/or prescribed Chinese medicine. • US$3,875 per Policy Year
訂明非手術癌症治療 (額外): —
門診洗腎: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
意外急症門診治療費用賠償: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
懷孕併發症: Eligible Expenses and/or charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i) and (k) of I) Basic Benefits and (a) – (c) of II) Additional Benefits
善終服務: —
出院後 / 日間手術後的額外門診輔助治療: US$1,550 per Policy Year (subject to Deductible and Coinsurance, if applicable) • Up to 1 per day (within the post-discharge window after Confinement or Day Case Procedure, payable only when the maximum number of visits under benefit item (k) of I) Basic Benefits is exhausted)
指定重建手術保障: US$51,615 per Policy Year (subject to Deductible and Coinsurance, if applicable). Eligible Expenses for the relevant surgeries are payable under benefit items (a) – (i) and (k) of I) Basic Benefits.
醫療植入裝置: Specified items: Full reimbursement of Eligible Expenses; non-specified items: US$19,355 per Policy Year (subject to Deductible and Coinsurance, if applicable)
特殊學習需要門診護理: Up to US$155 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
精神科門診護理: Up to US$155 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
住院陪床: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: —
交通費用津貼惠益: —
額外現金補貼保障: —
第二索償現金津貼: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: US$1,295
醫療意外事故保障: —
意外身故賠償: —

計劃 18 / 24

「逸康保」醫療保障計劃 - 保障級別 5 - 全球(不包括美國) (自付費0美元 + 保障分擔額0美元)USD

''ChampCare'' Medical Insurance Plan - Benefit Level 5 - Worldwide excluding USA (USD 0 Deductible + USD 0 Benefit Contribution Amount)

靈活Cat 3Ver. Jan 10, 2025保障評分 98/100

VHIS 認可編號: F00077-12-000-01
計劃類別: 靈活
保障地域範圍: 全球 (不含美國)
病房級別: 私家病房 Private
每年賠償限額: US$3,870,970
終身賠償限額: US$15,483,880
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: US$0 + BCA US$0

基本保障 Basic

(a) 病房及膳食: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(b) 雜項開支: Full reimbursement of Eligible Expenses (subject to (a) the benefit limit under additional benefit (II)(h); and (b) Deductible and Coinsurance, if applicable)
(c) 主診醫生巡房費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(d) 專科醫生費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(e) 深切治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(f) 外科醫生費: Full reimbursement of Eligible Expenses regardless of surgical category (subject to Deductible and Coinsurance, if applicable)
(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: Full reimbursement of Eligible Expenses
(h) 手術室費: Full reimbursement of Eligible Expenses
(i) 訂明診斷成像檢測: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(j) 訂明非手術癌症治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable). The specified consultations exclude physiotherapy, chiropractic treatment, occupational therapy and speech therapy: • 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 • All follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits within 180 days after discharge from Hospital following surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement
(l) 精神科治療: US$3,875 per Policy Year (subject to Deductible and Coinsurance, if applicable)

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) • Maximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within the post-discharge window)
器官移植的捐贈者保障: —
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: US$130 per day (subject to Deductible and Coinsurance, if applicable). Cost of attending Chinese medicine practitioner's ward visits, acupuncture treatments and/or prescribed Chinese medicine. • US$3,875 per Policy Year
訂明非手術癌症治療 (額外): —
門診洗腎: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
意外急症門診治療費用賠償: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
懷孕併發症: Eligible Expenses and/or charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i) and (k) of I) Basic Benefits and (a) – (c) of II) Additional Benefits
善終服務: —
出院後 / 日間手術後的額外門診輔助治療: US$1,550 per Policy Year (subject to Deductible and Coinsurance, if applicable) • Up to 1 per day (within the post-discharge window after Confinement or Day Case Procedure, payable only when the maximum number of visits under benefit item (k) of I) Basic Benefits is exhausted)
指定重建手術保障: US$51,615 per Policy Year (subject to Deductible and Coinsurance, if applicable). Eligible Expenses for the relevant surgeries are payable under benefit items (a) – (i) and (k) of I) Basic Benefits.
醫療植入裝置: Specified items: Full reimbursement of Eligible Expenses; non-specified items: US$19,355 per Policy Year (subject to Deductible and Coinsurance, if applicable)
特殊學習需要門診護理: Up to US$155 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
精神科門診護理: Up to US$155 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
住院陪床: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: —
交通費用津貼惠益: —
額外現金補貼保障: —
第二索償現金津貼: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: US$1,295
醫療意外事故保障: —
意外身故賠償: —

計劃 19 / 24

「逸康保」醫療保障計劃 - 保障級別 4 - 全球(不包括美國) (自付費18,000港元 + 保障分擔額18,000港元)

''ChampCare'' Medical Insurance Plan - Benefit Level 4 - Worldwide excluding USA (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)

靈活Cat 3Ver. Jan 10, 2025保障評分 61/100

VHIS 認可編號: F00077-04-000-01
計劃類別: 靈活
保障地域範圍: 全球 (不含美國)
病房級別: 私家病房 Private
每年賠償限額: HK$30,000,000
終身賠償限額: HK$120,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $18K + BCA $18K

基本保障 Basic

(a) 病房及膳食: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(b) 雜項開支: Full reimbursement of Eligible Expenses (subject to (a) the benefit limit under additional benefit (II)(h); and (b) Deductible and Coinsurance, if applicable)
(c) 主診醫生巡房費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(d) 專科醫生費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(e) 深切治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(f) 外科醫生費: Full reimbursement of Eligible Expenses regardless of surgical category (subject to Deductible and Coinsurance, if applicable)
(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: Full reimbursement of Eligible Expenses
(h) 手術室費: Full reimbursement of Eligible Expenses
(i) 訂明診斷成像檢測: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(j) 訂明非手術癌症治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable). The specified consultations exclude physiotherapy, chiropractic treatment, occupational therapy and speech therapy: • 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 • All follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits within 180 days after discharge from Hospital following surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement
(l) 精神科治療: $30,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) • Maximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within the post-discharge window)
器官移植的捐贈者保障: —
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: $1,000 per day (subject to Deductible and Coinsurance, if applicable). Cost of attending Chinese medicine practitioner's ward visits, acupuncture treatments and/or prescribed Chinese medicine. • $30,000 per Policy Year
訂明非手術癌症治療 (額外): —
門診洗腎: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
意外急症門診治療費用賠償: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
懷孕併發症: Eligible Expenses and/or charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i) and (k) of I) Basic Benefits and (a) – (c) of II) Additional Benefits
善終服務: —
出院後 / 日間手術後的額外門診輔助治療: $12,000 per Policy Year (subject to Deductible and Coinsurance, if applicable) • Up to 1 per day (within the post-discharge window after Confinement or Day Case Procedure, payable only when the maximum number of visits under benefit item (k) of I) Basic Benefits is exhausted)
指定重建手術保障: $400,000 per Policy Year (subject to Deductible and Coinsurance, if applicable). Eligible Expenses for the relevant surgeries are payable under benefit items (a) – (i) and (k) of I) Basic Benefits.
醫療植入裝置: Specified items: Full reimbursement of Eligible Expenses; non-specified items: $150,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
特殊學習需要門診護理: Up to $1,200 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
精神科門診護理: Up to $1,200 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
住院陪床: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: —
交通費用津貼惠益: —
額外現金補貼保障: —
第二索償現金津貼: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: —
意外身故賠償: —

計劃 20 / 24

「逸康保」醫療保障計劃 - 保障級別 5 - 全球(不包括美國) (自付費0港元 + 保障分擔額0港元)

''ChampCare'' Medical Insurance Plan - Benefit Level 5 - Worldwide excluding USA (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)

靈活Cat 3Ver. Jan 10, 2025保障評分 98/100

VHIS 認可編號: F00077-05-000-01
計劃類別: 靈活
保障地域範圍: 全球 (不含美國)
病房級別: 私家病房 Private
每年賠償限額: HK$30,000,000
終身賠償限額: HK$120,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 + BCA $0

基本保障 Basic

(a) 病房及膳食: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(b) 雜項開支: Full reimbursement of Eligible Expenses (subject to (a) the benefit limit under additional benefit (II)(h); and (b) Deductible and Coinsurance, if applicable)
(c) 主診醫生巡房費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(d) 專科醫生費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(e) 深切治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(f) 外科醫生費: Full reimbursement of Eligible Expenses regardless of surgical category (subject to Deductible and Coinsurance, if applicable)
(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: Full reimbursement of Eligible Expenses
(h) 手術室費: Full reimbursement of Eligible Expenses
(i) 訂明診斷成像檢測: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(j) 訂明非手術癌症治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable). The specified consultations exclude physiotherapy, chiropractic treatment, occupational therapy and speech therapy: • 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 • All follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits within 180 days after discharge from Hospital following surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement
(l) 精神科治療: $30,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) • Maximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within the post-discharge window)
器官移植的捐贈者保障: —
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: $1,000 per day (subject to Deductible and Coinsurance, if applicable). Cost of attending Chinese medicine practitioner's ward visits, acupuncture treatments and/or prescribed Chinese medicine. • $30,000 per Policy Year
訂明非手術癌症治療 (額外): —
門診洗腎: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
意外急症門診治療費用賠償: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
懷孕併發症: Eligible Expenses and/or charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i) and (k) of I) Basic Benefits and (a) – (c) of II) Additional Benefits
善終服務: —
出院後 / 日間手術後的額外門診輔助治療: $12,000 per Policy Year (subject to Deductible and Coinsurance, if applicable) • Up to 1 per day (within the post-discharge window after Confinement or Day Case Procedure, payable only when the maximum number of visits under benefit item (k) of I) Basic Benefits is exhausted)
指定重建手術保障: $400,000 per Policy Year (subject to Deductible and Coinsurance, if applicable). Eligible Expenses for the relevant surgeries are payable under benefit items (a) – (i) and (k) of I) Basic Benefits.
醫療植入裝置: Specified items: Full reimbursement of Eligible Expenses; non-specified items: $150,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
特殊學習需要門診護理: Up to $1,200 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
精神科門診護理: Up to $1,200 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
住院陪床: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: —
交通費用津貼惠益: —
額外現金補貼保障: —
第二索償現金津貼: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: —
意外身故賠償: —

計劃 21 / 24

「逸康保」醫療保障計劃 - 保障級別 6 - 全球 (自付費2,320美元 + 保障分擔額2,320美元)USD

''ChampCare'' Medical Insurance Plan - Benefit Level 6 - Worldwide (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)

靈活Cat 3Ver. Jan 10, 2025保障評分 98/100

VHIS 認可編號: F00077-13-000-01
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: US$3,870,970
終身賠償限額: US$15,483,880
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: US$2,320 + BCA US$2,320

基本保障 Basic

(a) 病房及膳食: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(b) 雜項開支: Full reimbursement of Eligible Expenses (subject to (a) the benefit limit under additional benefit (II)(h); and (b) Deductible and Coinsurance, if applicable)
(c) 主診醫生巡房費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(d) 專科醫生費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(e) 深切治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(f) 外科醫生費: Full reimbursement of Eligible Expenses regardless of surgical category (subject to Deductible and Coinsurance, if applicable)
(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: Full reimbursement of Eligible Expenses
(h) 手術室費: Full reimbursement of Eligible Expenses
(i) 訂明診斷成像檢測: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(j) 訂明非手術癌症治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable). The specified consultations exclude physiotherapy, chiropractic treatment, occupational therapy and speech therapy: • 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 • All follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits within 180 days after discharge from Hospital following surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement
(l) 精神科治療: US$3,875 per Policy Year (subject to Deductible and Coinsurance, if applicable)

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) • Maximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within the post-discharge window)
器官移植的捐贈者保障: —
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: US$130 per day (subject to Deductible and Coinsurance, if applicable). Cost of attending Chinese medicine practitioner's ward visits, acupuncture treatments and/or prescribed Chinese medicine. • US$3,875 per Policy Year
訂明非手術癌症治療 (額外): —
門診洗腎: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
意外急症門診治療費用賠償: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
懷孕併發症: Eligible Expenses and/or charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i) and (k) of I) Basic Benefits and (a) – (c) of II) Additional Benefits
善終服務: —
出院後 / 日間手術後的額外門診輔助治療: US$1,550 per Policy Year (subject to Deductible and Coinsurance, if applicable) • Up to 1 per day (within 120 days after discharge from Hospital or completion of Day Case Procedure, payable only when the maximum number of visits under benefit item (k) of I) Basic Benefits is exhausted)
指定重建手術保障: US$51,615 per Policy Year (subject to Deductible and Coinsurance, if applicable). Eligible Expenses for the relevant surgeries are payable under benefit items (a) – (i) and (k) of I) Basic Benefits.
醫療植入裝置: Specified items: Full reimbursement of Eligible Expenses; non-specified items: US$19,355 per Policy Year (subject to Deductible and Coinsurance, if applicable)
特殊學習需要門診護理: Up to US$155 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
精神科門診護理: Up to US$155 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
住院陪床: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: —
交通費用津貼惠益: —
額外現金補貼保障: —
第二索償現金津貼: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: US$1,295
醫療意外事故保障: —
意外身故賠償: —

計劃 22 / 24

「逸康保」醫療保障計劃 - 保障級別 7 - 全球 (自付費0美元 + 保障分擔額0美元)USD

''ChampCare'' Medical Insurance Plan - Benefit Level 7 - Worldwide (USD 0 Deductible + USD 0 Benefit Contribution Amount)

靈活Cat 3Ver. Jan 10, 2025保障評分 98/100

VHIS 認可編號: F00077-14-000-01
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: US$3,870,970
終身賠償限額: US$15,483,880
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: US$0 + BCA US$0

基本保障 Basic

(a) 病房及膳食: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(b) 雜項開支: Full reimbursement of Eligible Expenses (subject to (a) the benefit limit under additional benefit (II)(h); and (b) Deductible and Coinsurance, if applicable)
(c) 主診醫生巡房費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(d) 專科醫生費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(e) 深切治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(f) 外科醫生費: Full reimbursement of Eligible Expenses regardless of surgical category (subject to Deductible and Coinsurance, if applicable)
(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: Full reimbursement of Eligible Expenses
(h) 手術室費: Full reimbursement of Eligible Expenses
(i) 訂明診斷成像檢測: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(j) 訂明非手術癌症治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable). The specified consultations exclude physiotherapy, chiropractic treatment, occupational therapy and speech therapy: • 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 • All follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits within 180 days after discharge from Hospital following surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement
(l) 精神科治療: US$3,875 per Policy Year (subject to Deductible and Coinsurance, if applicable)

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) • Maximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within the post-discharge window)
器官移植的捐贈者保障: —
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: US$130 per day (subject to Deductible and Coinsurance, if applicable). Cost of attending Chinese medicine practitioner's ward visits, acupuncture treatments and/or prescribed Chinese medicine. • US$3,875 per Policy Year
訂明非手術癌症治療 (額外): —
門診洗腎: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
意外急症門診治療費用賠償: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
懷孕併發症: Eligible Expenses and/or charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i) and (k) of I) Basic Benefits and (a) – (c) of II) Additional Benefits
善終服務: —
出院後 / 日間手術後的額外門診輔助治療: US$1,550 per Policy Year (subject to Deductible and Coinsurance, if applicable) • Up to 1 per day (within 120 days after discharge from Hospital or completion of Day Case Procedure, payable only when the maximum number of visits under benefit item (k) of I) Basic Benefits is exhausted)
指定重建手術保障: US$51,615 per Policy Year (subject to Deductible and Coinsurance, if applicable). Eligible Expenses for the relevant surgeries are payable under benefit items (a) – (i) and (k) of I) Basic Benefits.
醫療植入裝置: Specified items: Full reimbursement of Eligible Expenses; non-specified items: US$19,355 per Policy Year (subject to Deductible and Coinsurance, if applicable)
特殊學習需要門診護理: Up to US$155 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
精神科門診護理: Up to US$155 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
住院陪床: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: —
交通費用津貼惠益: —
額外現金補貼保障: —
第二索償現金津貼: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: US$1,295
醫療意外事故保障: —
意外身故賠償: —

計劃 23 / 24

「逸康保」醫療保障計劃 - 保障級別 6 - 全球 (自付費18,000港元 + 保障分擔額18,000港元)

''ChampCare'' Medical Insurance Plan - Benefit Level 6 - Worldwide (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)

靈活Cat 3Ver. Jan 10, 2025保障評分 61/100

VHIS 認可編號: F00077-06-000-01
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$30,000,000
終身賠償限額: HK$120,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $18K + BCA $18K

基本保障 Basic

(a) 病房及膳食: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(b) 雜項開支: Full reimbursement of Eligible Expenses (subject to (a) the benefit limit under additional benefit (II)(h); and (b) Deductible and Coinsurance, if applicable)
(c) 主診醫生巡房費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(d) 專科醫生費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(e) 深切治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(f) 外科醫生費: Full reimbursement of Eligible Expenses regardless of surgical category (subject to Deductible and Coinsurance, if applicable)
(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: Full reimbursement of Eligible Expenses
(h) 手術室費: Full reimbursement of Eligible Expenses
(i) 訂明診斷成像檢測: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(j) 訂明非手術癌症治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable). The specified consultations exclude physiotherapy, chiropractic treatment, occupational therapy and speech therapy: • 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 • All follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits within 180 days after discharge from Hospital following surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement
(l) 精神科治療: $30,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) • Maximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within the post-discharge window)
器官移植的捐贈者保障: —
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: $1,000 per day (subject to Deductible and Coinsurance, if applicable). Cost of attending Chinese medicine practitioner's ward visits, acupuncture treatments and/or prescribed Chinese medicine. • $30,000 per Policy Year
訂明非手術癌症治療 (額外): —
門診洗腎: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
意外急症門診治療費用賠償: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
懷孕併發症: Eligible Expenses and/or charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i) and (k) of I) Basic Benefits and (a) – (c) of II) Additional Benefits
善終服務: —
出院後 / 日間手術後的額外門診輔助治療: $12,000 per Policy Year (subject to Deductible and Coinsurance, if applicable) • Up to 1 per day (within 120 days after discharge from Hospital or completion of Day Case Procedure, payable only when the maximum number of visits under benefit item (k) of I) Basic Benefits is exhausted)
指定重建手術保障: $400,000 per Policy Year (subject to Deductible and Coinsurance, if applicable). Eligible Expenses for the relevant surgeries are payable under benefit items (a) – (i) and (k) of I) Basic Benefits.
醫療植入裝置: Specified items: Full reimbursement of Eligible Expenses; non-specified items: $150,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
特殊學習需要門診護理: Up to $1,200 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
精神科門診護理: Up to $1,200 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
住院陪床: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: —
交通費用津貼惠益: —
額外現金補貼保障: —
第二索償現金津貼: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: —
意外身故賠償: —

計劃 24 / 24

「逸康保」醫療保障計劃 - 保障級別 7 - 全球 (自付費0港元 + 保障分擔額0港元)

''ChampCare'' Medical Insurance Plan - Benefit Level 7 - Worldwide (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)

靈活Cat 3Ver. Jan 10, 2025保障評分 98/100

VHIS 認可編號: F00077-07-000-01
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$30,000,000
終身賠償限額: HK$120,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 + BCA $0

基本保障 Basic

(a) 病房及膳食: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(b) 雜項開支: Full reimbursement of Eligible Expenses (subject to (a) the benefit limit under additional benefit (II)(h); and (b) Deductible and Coinsurance, if applicable)
(c) 主診醫生巡房費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(d) 專科醫生費: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(e) 深切治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(f) 外科醫生費: Full reimbursement of Eligible Expenses regardless of surgical category (subject to Deductible and Coinsurance, if applicable)
(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: Full reimbursement of Eligible Expenses
(h) 手術室費: Full reimbursement of Eligible Expenses
(i) 訂明診斷成像檢測: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(j) 訂明非手術癌症治療: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable). The specified consultations exclude physiotherapy, chiropractic treatment, occupational therapy and speech therapy: • 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 • All follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits within 180 days after discharge from Hospital following surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement
(l) 精神科治療: $30,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) • Maximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within the post-discharge window)
器官移植的捐贈者保障: —
隔離病房費: —
出院後 / 日間手術後的中醫門診治療: $1,000 per day (subject to Deductible and Coinsurance, if applicable). Cost of attending Chinese medicine practitioner's ward visits, acupuncture treatments and/or prescribed Chinese medicine. • $30,000 per Policy Year
訂明非手術癌症治療 (額外): —
門診洗腎: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
意外急症門診治療費用賠償: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
懷孕併發症: Eligible Expenses and/or charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i) and (k) of I) Basic Benefits and (a) – (c) of II) Additional Benefits
善終服務: —
出院後 / 日間手術後的額外門診輔助治療: $12,000 per Policy Year (subject to Deductible and Coinsurance, if applicable) • Up to 1 per day (within 120 days after discharge from Hospital or completion of Day Case Procedure, payable only when the maximum number of visits under benefit item (k) of I) Basic Benefits is exhausted)
指定重建手術保障: $400,000 per Policy Year (subject to Deductible and Coinsurance, if applicable). Eligible Expenses for the relevant surgeries are payable under benefit items (a) – (i) and (k) of I) Basic Benefits.
醫療植入裝置: Specified items: Full reimbursement of Eligible Expenses; non-specified items: $150,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
特殊學習需要門診護理: Up to $1,200 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
精神科門診護理: Up to $1,200 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
住院陪床: Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)
器官或骨髓移植 (額外): —
收入損失升級醫療保障: —

現金保障 Cash

日間手術現金惠益: —
交通費用津貼惠益: —
額外現金補貼保障: —
第二索償現金津貼: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: —
意外身故賠償: —