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CTF Life — same-insurer plan comparison

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

Chow Tai Fook Life Insurance Co Ltd offers 33 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 32 Flexi), covering Worldwide, Asia incl. AU/NZ and Worldwide (excluding United States), across Ward, Semi-Private Room, Standard Private Room and N/A (capped) ward classes. Premiums, coverage items, deductible tiers and annual limits are compared side-by-side below.

Data version: Nov 23, 2025

Display optionsMerge HKD / USD twins

項目

''WiseCare'' Medical Insurance Plan

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Highlights

VHIS cert no.

S00028-01-000-03Benefits PDFPremiums PDF

F00021-01-000-03Benefits PDFPremiums PDF

F00021-04-000-03Benefits PDFPremiums PDF

F00021-02-000-03Benefits PDFPremiums PDF

F00021-05-000-03Benefits PDFPremiums PDF

F00021-03-000-03Benefits PDFPremiums PDF

F00021-06-000-03Benefits PDFPremiums PDF

F00037-01-000-03Benefits PDFPremiums PDF

F00037-05-000-03Benefits PDFPremiums PDF

F00037-02-000-03Benefits PDFPremiums PDF

F00037-06-000-03Benefits PDFPremiums PDF

F00037-03-000-03Benefits PDFPremiums PDF

F00037-07-000-03Benefits PDFPremiums PDF

F00037-04-000-03Benefits PDFPremiums PDF

F00037-08-000-03Benefits PDFPremiums PDF

F00064-01-000-02Benefits PDFPremiums PDF

F00064-03-000-02Benefits PDFPremiums PDF

F00064-02-000-02Benefits PDFPremiums PDF

F00064-04-000-02Benefits PDFPremiums PDF

F00077-01-000-01Benefits PDFPremiums PDF

F00077-02-000-01Benefits PDFPremiums PDF

F00077-03-000-01Benefits PDFPremiums PDF

F00077-08-000-01Benefits PDFPremiums PDF

F00077-09-000-01Benefits PDFPremiums PDF

F00077-10-000-01Benefits PDFPremiums PDF

F00077-04-000-01Benefits PDFPremiums PDF

F00077-05-000-01Benefits PDFPremiums PDF

F00077-11-000-01Benefits PDFPremiums PDF

F00077-12-000-01Benefits PDFPremiums PDF

F00077-06-000-01Benefits PDFPremiums PDF

F00077-07-000-01Benefits PDFPremiums PDF

F00077-13-000-01Benefits PDFPremiums PDF

F00077-14-000-01Benefits PDFPremiums PDF

Plan type

Standard

Flexi

Coverage region

Worldwide

Asia incl. AU/NZ

Worldwide (excluding United States)

Worldwide

Ward

N/A (capped)

Ward

Semi-Private Room

Standard Private Room

Ward

Semi-Private Room

Standard Private Room

Ward

Semi-Private Room

Semi-Private Room（HK / Macau / AU & NZ） Standard Private Room（Hospitalisation in territories other than Hong Kong, Macau, Australia and New Zealand）

Standard Private Room

Lifetime limit

—

Annual limit

—

Per illness

—

SMM top-up

—

No-Claim Bonus

—

16%

Deductible

—

US$0

Deductible reduction at specified ages

Not applicable

50, 55, 60, 65, 70, 75, 80 yearsOnce per lifetime · no fresh underwriting Applies to levels 1, 2, 4 and 6. Continuous cover for 3 policy years; apply within 31 days before renewal on or following the birthday. Also reduces the benefit contribution amount. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.Official terms ↗

Zero deductible selected

Version

Nov 23, 2025

Jan 10, 2025

Basic Benefits Basic

(a) Room and board

HK$750 per day, maximum 180 days per Policy Year

HK$900 per day, maximum 180 days per Policy Year(US$120 per day, maximum 180 days per Policy Year)

HK$1,800 per day, maximum 180 days per Policy Year(US$235 per day, maximum 180 days per Policy Year)

HK$4,000 per day, maximum 180 days per Policy Year(US$520 per day, maximum 180 days per Policy Year)

HK$1,200 per day, maximum 180 days per Policy Year(US$155 per day, maximum 180 days per Policy Year)

HK$2,300 per day, maximum 180 days per Policy Year(US$300 per day, maximum 180 days per Policy Year)

HK$5,200 per day, maximum 180 days per Policy Year(US$675 per day, maximum 180 days per Policy Year)

Full reimbursementR&C

(b) Miscellaneous charges

HK$14,000 per Policy Year

HK$14,000 per Policy Year(US$1,810 per Policy Year)

HK$16,000 per Policy Year(US$2,065 per Policy Year)

HK$24,000 per Policy Year(US$3,100 per Policy Year)

HK$16,000 per Policy Year(US$2,065 per Policy Year)

HK$23,000 per Policy Year(US$2,970 per Policy Year)

HK$36,000 per Policy Year(US$4,650 per Policy Year)

Full reimbursementSpecified surgery: HK$14,000 per Disability per Policy Year(Full reimbursementSpecified surgery: US$1,810 per Disability per Policy Year)R&C

Full reimbursementR&C

HK$750 per day, maximum 180 days per Policy Year

HK$800 per day, maximum 180 days per Policy Year(US$105 per day, maximum 180 days per Policy Year)

HK$1,600 per day, maximum 180 days per Policy Year(US$210 per day, maximum 180 days per Policy Year)

HK$3,800 per day, maximum 180 days per Policy Year(US$495 per day, maximum 180 days per Policy Year)

HK$950 per day, maximum 180 days per Policy Year(US$125 per day, maximum 180 days per Policy Year)

HK$2,000 per day, maximum 180 days per Policy Year(US$260 per day, maximum 180 days per Policy Year)

HK$4,500 per day, maximum 180 days per Policy Year(US$585 per day, maximum 180 days per Policy Year)

Full reimbursementR&C

(d) Specialist's fee

HK$4,300 per Policy Year

HK$4,500 per Policy Year(US$585 per Policy Year)

HK$5,500 per Policy Year(US$710 per Policy Year)

HK$10,000 per Policy Year(US$1,295 per Policy Year)

HK$6,000 per Policy Year(US$775 per Policy Year)

HK$9,000 per Policy Year(US$1,165 per Policy Year)

HK$15,000 per Policy Year(US$1,940 per Policy Year)

Full reimbursementR&C

(e) Intensive care

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

HK$4,500 per day, maximum 30 days per Policy Year(US$585 per day, maximum 30 days per Policy Year)

HK$5,500 per day, maximum 30 days per Policy Year(US$710 per day, maximum 30 days per Policy Year)

HK$10,000 per day, maximum 30 days per Policy Year(US$1,295 per day, maximum 30 days per Policy Year)

HK$6,000 per day, maximum 90 days per Policy Year(US$775 per day, maximum 90 days per Policy Year)

HK$9,000 per day, maximum 90 days per Policy Year(US$1,165 per day, maximum 90 days per Policy Year)

HK$15,000 per day, maximum 90 days per Policy Year(US$1,940 per day, maximum 90 days per Policy Year)

Full reimbursementR&C

(f) Surgeon's fee

—

Full reimbursementSpecified surgery: HK$5,000 per surgery(Full reimbursementSpecified surgery: US$650 per surgery)R&C

Full reimbursementR&C

Surgeon's fee — Minor

HK$5,000

HK$5,000(US$650)

HK$6,000(US$775)

HK$8,000(US$1,035)

HK$5,000(US$650)

HK$10,000(US$1,295)

HK$15,000(US$1,940)

—

Surgeon's fee — Intermediate

HK$12,500

HK$12,500(US$1,615)

HK$15,000(US$1,940)

HK$25,000(US$3,230)

HK$12,500(US$1,615)

HK$25,000(US$3,230)

HK$32,500(US$4,195)

—

Surgeon's fee — Major

HK$25,000

HK$25,000(US$3,230)

HK$30,000(US$3,875)

HK$40,000(US$5,165)

HK$30,000(US$3,875)

HK$50,000(US$6,455)

HK$75,000(US$9,680)

—

Surgeon's fee — Complex

HK$50,000

HK$50,000(US$6,455)

HK$63,000(US$8,130)

HK$84,000(US$10,840)

HK$70,000(US$9,035)

HK$100,000(US$12,905)

HK$160,000(US$20,650)

—

(g) Anaesthetist's fee

35% of Surgeon's fee payable

Full reimbursementSpecified surgery: 35% of Surgeon's fee payableR&C

Full reimbursementR&C

(h) Operating theatre charges

35% of Surgeon's fee payable

Full reimbursementSpecified surgery: 35% of Surgeon's fee payableR&C

Full reimbursementR&C

(i) Prescribed Diagnostic Imaging Tests

HK$20,000 per Policy YearSubject to 30% Coinsurance.

HK$20,000 per Policy YearSubject to 30% Coinsurance.(US$2,585 per Policy YearSubject to 30% Coinsurance.)

HK$25,000 per Policy YearSubject to 30% Coinsurance.(US$3,230 per Policy YearSubject to 30% Coinsurance.)

HK$30,000 per Policy YearSubject to 30% Coinsurance.(US$3,875 per Policy YearSubject to 30% Coinsurance.)

HK$25,000 per Policy YearWhen performed during Confinement: subject to 30% CoinsuranceWhen performed in a facility providing day-patient medical services: subject to 20% Coinsurance(US$3,230 per Policy YearWhen performed during Confinement: subject to 30% CoinsuranceWhen performed in a facility providing day-patient medical services: subject to 20% Coinsurance)

HK$30,000 per Policy YearWhen performed during Confinement: subject to 30% CoinsuranceWhen performed in a facility providing day-patient medical services: subject to 20% Coinsurance(US$3,875 per Policy YearWhen performed during Confinement: subject to 30% CoinsuranceWhen performed in a facility providing day-patient medical services: subject to 20% Coinsurance)

HK$40,000 per Policy YearWhen performed during Confinement: subject to 30% CoinsuranceWhen performed in a facility providing day-patient medical services: subject to 20% Coinsurance(US$5,165 per Policy YearWhen performed during Confinement: subject to 30% CoinsuranceWhen performed in a facility providing day-patient medical services: subject to 20% Coinsurance)

Full reimbursementWhen performed during Confinement: subject to 30% CoinsuranceWhen performed in a facility providing day-patient medical services: subject to 20% CoinsuranceR&C

Full reimbursementR&C

(j) Prescribed Non-surgical Cancer Treatments

HK$80,000 per Policy Year

HK$100,000 per Policy Year(US$12,905 per Policy Year)

HK$120,000 per Policy Year(US$15,485 per Policy Year)

HK$150,000 per Policy Year(US$19,355 per Policy Year)

HK$120,000 per Policy Year(US$15,485 per Policy Year)

HK$140,000 per Policy Year(US$18,065 per Policy Year)

HK$160,000 per Policy Year(US$20,650 per Policy Year)

Full reimbursementR&C

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

HK$580, per visit, HK$3,000 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

HK$600, per visit, HK$5,000 per Policy YearUp to 5 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$80, per visit, US$650 per Policy YearUp to 5 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)

HK$700, per visit, HK$6,000 per Policy YearUp to 5 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$95, per visit, US$775 per Policy YearUp to 5 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)

HK$800, per visit, HK$7,000 per Policy YearUp to 5 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$105, per visit, US$905 per Policy YearUp to 5 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)

HK$800, per visit, HK$5,000 per Policy YearUp to 6 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$105, per visit, US$650 per Policy YearUp to 6 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)

HK$1,200, per visit, HK$8,000 per Policy YearUp to 6 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$155, per visit, US$1,035 per Policy YearUp to 6 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)

HK$1,600, per visit, HK$10,000 per Policy YearUp to 6 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$210, per visit, US$1,295 per Policy YearUp to 6 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)

up to 10 post-discharge follow-up visits within 90 days

Full reimbursement1 outpatient visit(s) or Emergency consultation(s) more than 30 days before Confinement/Day Case ProcedureAll outpatient visits or Emergency consultations within 30 days before Confinement/Day Case ProcedureAll follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case ProcedureAll 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 ConfinementR&C

(l) Psychiatric treatments

HK$30,000 per Policy Year

HK$50,000 per Policy Year(US$6,455 per Policy Year)

HK$55,000 per Policy Year(US$7,100 per Policy Year)

HK$60,000 per Policy Year(US$7,745 per Policy Year)

HK$50,000 per Policy Year(US$6,455 per Policy Year)

HK$60,000 per Policy Year(US$7,745 per Policy Year)

HK$80,000 per Policy Year(US$10,325 per Policy Year)

HK$200,000 per Disability per Policy Year(US$25,810 per Disability per Policy Year)

HK$250,000 per Disability per Policy Year(US$32,260 per Disability per Policy Year)

HK$30,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

US$3,875 per Policy Year (subject to Deductible and Coinsurance, if applicable)

HK$30,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

US$3,875 per Policy Year (subject to Deductible and Coinsurance, if applicable)

HK$30,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

US$3,875 per Policy Year (subject to Deductible and Coinsurance, if applicable)

Extra Benefits Extra

Accident-related

Emergency dental benefit (Accident only)

—

HK$10,000 per Policy Year, within 30 days of the AccidentShared cap: HK$10,000(US$1,295 per Policy Year, within 30 days of the AccidentShared cap: HK$10,166)

HK$20,000 per Policy Year, within 30 days of the AccidentShared cap: HK$20,000(US$2,585 per Policy Year, within 30 days of the AccidentShared cap: HK$20,292)

HK$30,000 per Policy Year, within 30 days of the AccidentShared cap: HK$30,000(US$3,875 per Policy Year, within 30 days of the AccidentShared cap: HK$30,419)

Full reimbursementof Eligible Expenses within 30 days of the AccidentR&C

Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 30 days of the AccidentR&C

Emergency outpatient treatment for Accident

—

HK$10,000 per Policy Year, including Emergency dental treatment within 24 hours of the AccidentShared cap: HK$10,000(US$1,295 per Policy Year, including Emergency dental treatment within 24 hours of the AccidentShared cap: HK$10,166)

HK$20,000 per Policy Year, including Emergency dental treatment within 24 hours of the AccidentShared cap: HK$20,000(US$2,585 per Policy Year, including Emergency dental treatment within 24 hours of the AccidentShared cap: HK$20,292)

HK$30,000 per Policy Year, including Emergency dental treatment within 24 hours of the AccidentShared cap: HK$30,000(US$3,875 per Policy Year, including Emergency dental treatment within 24 hours of the AccidentShared cap: HK$30,419)

Full reimbursementof Eligible Expenses within 24 hours of the AccidentR&C

Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 24 hours of the AccidentR&C

Inpatient-related

Medical implants / prosthetic devices

—

Full reimbursementnon-specified items: HK$150,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)R&C

Full reimbursementnon-specified items: US$19,355 per Policy Year (subject to Deductible and Coinsurance, if applicable)R&C

Full reimbursementnon-specified items: HK$150,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)R&C

Full reimbursementnon-specified items: US$19,355 per Policy Year (subject to Deductible and Coinsurance, if applicable)R&C

Full reimbursementnon-specified items: HK$150,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)R&C

Full reimbursementnon-specified items: US$19,355 per Policy Year (subject to Deductible and Coinsurance, if applicable)R&C

Organ transplant donor benefit

—

HK$100,000 per Policy Year(US$12,905 per Policy Year)

HK$200,000 per Policy Year(US$25,810 per Policy Year)

HK$300,000 per Policy Year(US$38,710 per Policy Year)

HK$100,000 per Policy Year(US$12,905 per Policy Year)

HK$200,000 per Policy Year(US$25,810 per Policy Year)

—

Complications of pregnancy

—

Subject to the linked benefit items' reimbursement limits

Hospital companion bed fee reimbursement

—

HK$200 per day, maximum 30 days per Policy Year(US$30 per day, maximum 30 days per Policy Year)

HK$350 per day, maximum 30 days per Policy Year(US$50 per day, maximum 30 days per Policy Year)

HK$500 per day, maximum 30 days per Policy Year(US$65 per day, maximum 30 days per Policy Year)

Full reimbursementof Eligible Expenses, maximum 180 days per Policy YearR&C

Full reimbursementR&C

Private nursing fee (during Confinement)

—

Full reimbursementMaximum 30 days per Disability per Policy Year, limited to services provided by 1 registered or graduate nurse per dayR&C

—

Chinese Medicine Practitioner inpatient services

—

HK$800 per day (subject to Deductible and Coinsurance, if applicable)HK$30,000 per Policy Year

US$105 per day (subject to Deductible and Coinsurance, if applicable)US$3,875 per Policy Year

HK$1,000 per day (subject to Deductible and Coinsurance, if applicable)HK$30,000 per Policy Year

US$130 per day (subject to Deductible and Coinsurance, if applicable)US$3,875 per Policy Year

HK$1,000 per day (subject to Deductible and Coinsurance, if applicable)HK$30,000 per Policy Year

US$130 per day (subject to Deductible and Coinsurance, if applicable)US$3,875 per Policy Year

Isolation ward charges benefit

—

HK$1,200 per day, maximum 180 days per Policy Year(US$155 per day, maximum 180 days per Policy Year)

HK$2,300 per day, maximum 180 days per Policy Year(US$300 per day, maximum 180 days per Policy Year)

HK$5,200 per day, maximum 180 days per Policy Year(US$675 per day, maximum 180 days per Policy Year)

—

Outpatient-related

Outpatient kidney dialysis

—

HK$50,000 per Policy Year(US$6,455 per Policy Year)

HK$80,000 per Policy Year(US$10,325 per Policy Year)

HK$150,000 per Policy Year(US$19,355 per Policy Year)

Full reimbursementR&C

Outpatient psychiatric care

—

Up to HK$1,000 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year

Up to US$130 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year

Up to HK$1,200 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year

Up to US$155 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year

Up to HK$1,200 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year

Up to US$155 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year

Outpatient care for special learning needs

—

Up to HK$1,000 per outpatient consultation, maximum 5 outpatient consultations per Policy Year

Up to US$130 per outpatient consultation, maximum 5 outpatient consultations per Policy Year

Up to HK$1,200 per outpatient consultation, maximum 5 outpatient consultations per Policy Year

Up to US$155 per outpatient consultation, maximum 5 outpatient consultations per Policy Year

Up to HK$1,200 per outpatient consultation, maximum 5 outpatient consultations per Policy Year

Up to US$155 per outpatient consultation, maximum 5 outpatient consultations per Policy Year

Hospice and palliative care benefit

—

HK$30,000 per Policy Year(US$3,875 per Policy Year)

HK$50,000 per Policy Year(US$6,455 per Policy Year)

HK$80,000 per Policy Year(US$10,325 per Policy Year)

HK$30,000 per Policy Year(US$3,875 per Policy Year)

HK$50,000 per Policy Year(US$6,455 per Policy Year)

—

Home nursing

—

HK$400 per visitMaximum 30 visits per Policy Year.(US$55 per visitMaximum 30 visits per Policy Year.)

HK$700 per visitMaximum 30 visits per Policy Year.(US$95 per visitMaximum 30 visits per Policy Year.)

HK$1,000 per visitMaximum 30 visits per Policy Year.(US$130 per visitMaximum 30 visits per Policy Year.)

HK$800 per visitMaximum 30 visits per Policy Year.(US$105 per visitMaximum 30 visits per Policy Year.)

HK$1,200 per visitMaximum 30 visits per Policy Year.(US$155 per visitMaximum 30 visits per Policy Year.)

HK$2,000 per visitMaximum 30 visits per Policy Year.(US$260 per visitMaximum 30 visits per Policy Year.)

Full reimbursementMaximum 30 days per Disability per Policy Year, limited to services provided by 1 registered or graduate nurse per dayR&C

Full reimbursementMaximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within 120 days after discharge)R&C

Chinese Medicine Practitioner outpatient care

—

3) Chinese medicine treatments before and after discharge from Hospital or Day Case Procedure: HK$600, per visit, HK$2,000 per Policy YearUp to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure(3) Chinese medicine treatment before/after discharge or Day Case Procedure: US$80 per visit, US$260 per Policy Year)

3) Chinese medicine treatment before/after discharge or Day Case Procedure: HK$600 per visit, HK$2,000 per Policy Year(3) Chinese medicine treatment before/after discharge or Day Case Procedure: US$80 per visit, US$260 per Policy Year)

3) Chinese medicine treatment before/after discharge or Day Case Procedure: HK$900 per visit, HK$3,000 per Policy Year(3) Chinese medicine treatment before/after discharge or Day Case Procedure: US$120 per visit, US$390 per Policy Year)

3) Chinese medicine treatment before/after discharge or Day Case Procedure: HK$1,200 per visit, HK$4,000 per Policy Year(3) Chinese medicine treatment before/after discharge or Day Case Procedure: US$155 per visit, US$520 per Policy Year)

Full reimbursementUp to 1 per day, HK$900 per visitUp to 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure(Full reimbursementUp to 1 per day, US$120 per visitUp to 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure)R&C

Full reimbursementUp to 1 per day, HK$1,300 per visitUp to 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure(Full reimbursementUp to 1 per day, US$170 per visitUp to 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure)R&C

HK$600 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure

US$80 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure

HK$1,300 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure

US$170 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure

HK$1,300 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure

US$170 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure

Post-Confinement / Day Case Procedure auxiliary therapy

—

HK$6,000 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)

US$775 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)

HK$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)

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)

Cancer-related

Reconstructive surgery for specified conditions

—

HK$250,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

US$32,260 per Policy Year (subject to Deductible and Coinsurance, if applicable)

HK$400,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

US$51,615 per Policy Year (subject to Deductible and Coinsurance, if applicable)

HK$400,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

US$51,615 per Policy Year (subject to Deductible and Coinsurance, if applicable)

Major Cancer supplementary benefit

—

HK$120,000 per Benefit Period (i.e. every 6 consecutive Policy Years)(US$15,485 per Benefit Period (i.e. every 6 consecutive Policy Years))

HK$140,000 per Benefit Period (i.e. every 6 consecutive Policy Years)(US$18,065 per Benefit Period (i.e. every 6 consecutive Policy Years))

HK$160,000 per Benefit Period (i.e. every 6 consecutive Policy Years)(US$20,650 per Benefit Period (i.e. every 6 consecutive Policy Years))

—

Cash Benefits Cash

Post-donation health supplement cash allowance

—

HK$20,000 per Policy Year(US$2,585 per Policy Year)

HK$30,000 per Policy Year(US$3,875 per Policy Year)

HK$40,000 per Policy Year(US$5,165 per Policy Year)

HK$20,000 per Policy Year(US$2,585 per Policy Year)

HK$30,000 per Policy Year(US$3,875 per Policy Year)

—

Day surgery cash benefit

—

HK$800 per Day Case Procedure, 1 per Policy Year(US$105 per Day Case Procedure, 1 per Policy Year)

HK$1,200 per Day Case Procedure, 1 per Policy Year(US$155 per Day Case Procedure, 1 per Policy Year)

HK$2,000 per Day Case Procedure, 1 per Policy Year(US$260 per Day Case Procedure, 1 per Policy Year)

HK$800, per specified Day Case Procedure, 1 time(s) per Policy Year(US$105, per specified Day Case Procedure, 1 time(s) per Policy Year)

HK$1,200, per specified Day Case Procedure, 1 time(s) per Policy Year(US$155, per specified Day Case Procedure, 1 time(s) per Policy Year)

—

Hospital transport cash allowance

—

HK$300 per Confinement, maximum 1 Confinements per Policy Year(US$40 per Confinement, maximum 1 Confinements per Policy Year)

—

Lower ward class cash benefit

—

HK$1,000 per day, maximum 15 days per Policy Year(US$130 per day, maximum 15 days per Policy Year)

HK$1,200 per day, maximum 15 days per Policy Year(US$155 per day, maximum 15 days per Policy Year)

—

HK$1,000, per day, maximum 15 days per Disability per Policy Year(US$130, per day, maximum 15 days per Disability per Policy Year)

—

Second-claim cash allowance

—

5% of the amount reimbursed by other insurers, HK$3,000 per Policy Year(5% of the amount reimbursed by other insurers, US$390 per Policy Year)

5% of the amount reimbursed by other insurers, HK$6,000 per Policy Year(5% of the amount reimbursed by other insurers, US$775 per Policy Year)

5% of the amount reimbursed by other insurers, HK$12,000 per Policy Year(5% of the amount reimbursed by other insurers, US$1,550 per Policy Year)

5% of the indemnity amount paid by any government, other insurer or third party other than the Company, up to HK$3,000 per Disability per Policy Year(5% of the indemnity amount paid by any government, other insurer or third party other than the Company, up to US$390 per Disability per Policy Year)

5% of the indemnity amount paid by any government, other insurer or third party other than the Company, up to HK$6,000 per Disability per Policy Year(5% of the indemnity amount paid by any government, other insurer or third party other than the Company, up to US$775 per Disability per Policy Year)

—

Event Benefits Event

Additional death benefit for organ donor

—

HK$20,000(US$2,585)

HK$25,000(US$3,230)

HK$30,000(US$3,875)

HK$100,000(US$12,905)

HK$200,000(US$25,810)

HK$400,000(US$51,615)

HK$100,000(US$12,905)

HK$200,000(US$25,810)

—

Compassionate death benefit

HK$100,000

HK$20,000(US$2,585)

HK$25,000(US$3,230)

HK$30,000(US$3,875)

HK$20,000(US$2,585)

HK$30,000(US$3,875)

HK$50,000(US$6,455)

HK$20,000(US$2,585)

HK$30,000(US$3,875)

HK$10,000

US$1,295

HK$10,000

US$1,295

HK$10,000

US$1,295

Medical accident and incident extension benefit

HK$100,000

—

HK$100,000(US$12,905)

HK$200,000(US$25,810)

HK$400,000(US$51,615)

HK$100,000(US$12,905)

HK$200,000(US$25,810)

—

Income-loss medical upgrade benefit

—

Coinsurance under Supplemental Major Medical Benefits is reduced to 0% (i.e. 100% reimbursement rate)

—

Accidental Death benefit

—

HK$20,000(US$2,585)

HK$30,000(US$3,875)

—

Accident death benefit — overseas

—

HK$100,000(US$12,905)

HK$200,000(US$25,810)

—

Plan name

''WiseCare'' Medical Insurance Plan

「卓康保」醫療保障計劃

Standard Plan

Ver. Nov 23, 2025

VHIS cert no.

S00028-01-000-03Benefits PDFPremiums PDF

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

—

No-Claim Bonus

—

Deductible Options

—

Deductible reduction at specified ages

Not applicable

Basic Benefits Basic

(a) Room and board

HK$750 per day, maximum 180 days per Policy Year

(b) Miscellaneous charges

HK$14,000 per Policy Year

HK$750 per day, maximum 180 days per Policy Year

(d) Specialist's fee

HK$4,300 per Policy Year

(e) Intensive care

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

(f) Surgeon's fee

—

Surgeon's fee — Minor

HK$5,000

Surgeon's fee — Intermediate

HK$12,500

Surgeon's fee — Major

HK$25,000

Surgeon's fee — Complex

HK$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

HK$20,000 per Policy YearSubject to 30% Coinsurance.

(j) Prescribed Non-surgical Cancer Treatments

HK$80,000 per Policy Year

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

HK$580, per visit, HK$3,000 per Policy YearUp 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

HK$30,000 per Policy Year

Extra Benefits Extra

Accident-related

Emergency dental benefit (Accident only)

—

Emergency outpatient treatment for Accident

—

Inpatient-related

Medical implants / prosthetic devices

—

Organ transplant donor benefit

—

Complications of pregnancy

—

Hospital companion bed fee reimbursement

—

Private nursing fee (during Confinement)

—

Chinese Medicine Practitioner inpatient services

—

Isolation ward charges benefit

—

Outpatient-related

Outpatient kidney dialysis

—

Outpatient psychiatric care

—

Outpatient care for special learning needs

—

Hospice and palliative care benefit

—

Home nursing

—

Chinese Medicine Practitioner outpatient care

—

Post-Confinement / Day Case Procedure auxiliary therapy

—

Cancer-related

Reconstructive surgery for specified conditions

—

Major Cancer supplementary benefit

—

Cash Benefits Cash

Post-donation health supplement cash allowance

—

Day surgery cash benefit

—

Hospital transport cash allowance

—

Lower ward class cash benefit

—

Second-claim cash allowanceAfter other pays

—

Event Benefits Event

Additional death benefit for organ donor

—

Compassionate death benefit

HK$100,000

Medical accident and incident extension benefit

HK$100,000

Income-loss medical upgrade benefit

—

Accidental Death benefit

—

Accident death benefit — overseas

—

Plan name

''WiseCare'' Medical Insurance Plan

「卓康保」醫療保障計劃

Standard Plan

Ver. Nov 23, 2025

Plan 1 / 24

「卓康保」醫療保障計劃

''WiseCare'' Medical Insurance Plan

Standard PlanVer. Nov 23, 2025

VHIS cert no.: S00028-01-000-03
Plan Type: Standard
Coverage region: Worldwide
Ward class: N/A (capped)
Annual benefit limit: HK$420,000
Lifetime benefit limit: —
每傷病保障期: —
SMM Supplemental Major Medical: —
Deductible Options: —

Basic Benefits Basic

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

Extra Benefits Extra

指定重建手術保障: —
門診洗腎: —
主要癌症額外保障: —
醫療植入裝置: —
器官移植的捐贈者保障: —
懷孕併發症: —
精神科門診護理: —
特殊學習需要門診護理: —
住院陪床: —
私家看護費 (住院期間): —
住院期間的中醫服務: —
善終服務: —
家中看護: —
出院後 / 日間手術後的中醫門診治療: —
出院後 / 日間手術後的額外門診輔助治療: —
隔離病房費: —
意外牙科治療: —
意外急症門診治療費用賠償: —

Cash Benefits Cash

器官捐贈後健康補品現金津貼: —
日間手術現金惠益: —
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: —

Event Benefits Event

器官捐贈者額外身故津貼: —
恩恤身故賠償: HK$100,000
醫療意外事故保障: HK$100,000
收入損失升級醫療保障: —
意外身故賠償: —
海外意外身故賠償: —

Plan 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)

Itemised LimitsVer. Nov 23, 2025

VHIS cert no.: F00021-01-000-03F00021-04-000-03
Plan Type: Flexi
Coverage region: Worldwide
Ward class: Ward
Annual benefit limit: HK$500,000(US$64,520)
Lifetime benefit limit: —
每傷病保障期: —
SMM Supplemental Major Medical: HK$100,000／per policy year, 20% coinsuranceUS$12,904／per policy year, 20% coinsurance
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: HK$900 per day, maximum 180 days per Policy Year(US$120)
(b) 雜項開支: $14,000(US$1,810)
(c) 主診醫生巡房費: HK$800 per day, maximum 180 days per Policy Year(US$105)
(d) 專科醫生費: $4,500(US$585)
(e) 深切治療: HK$4,500 per day, maximum 30 days per Policy Year(US$585)
(f) 外科醫生費: —
　　外科醫生費 — 小型: $5,000(US$650)
　　外科醫生費 — 中型: $12,500(US$1,615)
　　外科醫生費 — 大型: $25,000(US$3,230)
　　外科醫生費 — 複雜: $50,000(US$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: HK$20,000 per Policy YearSubject to 30% Coinsurance.(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: HK$600, (US$80,) per visit, HK$5,000 (US$650) per Policy Year 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)

Extra Benefits Extra

指定重建手術保障: —
門診洗腎: —
主要癌症額外保障: —
醫療植入裝置: —
器官移植的捐贈者保障: —
懷孕併發症: —
精神科門診護理: —
特殊學習需要門診護理: —
住院陪床: HK$200 per day, maximum 30 days per Policy Year(US$30)
私家看護費 (住院期間): —
住院期間的中醫服務: —
善終服務: —
家中看護: HK$400 per visitMaximum 30 visits per Policy Year.(US$55)
出院後 / 日間手術後的中醫門診治療: —
出院後 / 日間手術後的額外門診輔助治療: —
隔離病房費: —
意外牙科治療: —
意外急症門診治療費用賠償: —

Cash Benefits Cash

器官捐贈後健康補品現金津貼: —
日間手術現金惠益: —
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: —

Event Benefits Event

器官捐贈者額外身故津貼: $20,000(US$2,585)
恩恤身故賠償: $20,000(US$2,585)
醫療意外事故保障: —
收入損失升級醫療保障: —
意外身故賠償: —
海外意外身故賠償: —

Plan 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)

Itemised LimitsVer. Nov 23, 2025

VHIS cert no.: F00021-02-000-03F00021-05-000-03
Plan Type: Flexi
Coverage region: Worldwide
Ward class: Semi-Private Room
Annual benefit limit: HK$600,000(US$77,420)
Lifetime benefit limit: —
每傷病保障期: —
SMM Supplemental Major Medical: HK$168,000／per policy year, 20% coinsuranceUS$21,680／per policy year, 20% coinsurance
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: HK$1,800 per day, maximum 180 days per Policy Year(US$235)
(b) 雜項開支: $16,000(US$2,065)
(c) 主診醫生巡房費: HK$1,600 per day, maximum 180 days per Policy Year(US$210)
(d) 專科醫生費: $5,500(US$710)
(e) 深切治療: HK$5,500 per day, maximum 30 days per Policy Year(US$710)
(f) 外科醫生費: —
　　外科醫生費 — 小型: $6,000(US$775)
　　外科醫生費 — 中型: $15,000(US$1,940)
　　外科醫生費 — 大型: $30,000(US$3,875)
　　外科醫生費 — 複雜: $63,000(US$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: HK$25,000 per Policy YearSubject to 30% Coinsurance.(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: HK$700, (US$95,) per visit, HK$6,000 (US$775) per Policy Year 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)

Extra Benefits Extra

指定重建手術保障: —
門診洗腎: —
主要癌症額外保障: —
醫療植入裝置: —
器官移植的捐贈者保障: —
懷孕併發症: —
精神科門診護理: —
特殊學習需要門診護理: —
住院陪床: HK$350 per day, maximum 30 days per Policy Year(US$50)
私家看護費 (住院期間): —
住院期間的中醫服務: —
善終服務: —
家中看護: HK$700 per visitMaximum 30 visits per Policy Year.(US$95)
出院後 / 日間手術後的中醫門診治療: —
出院後 / 日間手術後的額外門診輔助治療: —
隔離病房費: —
意外牙科治療: —
意外急症門診治療費用賠償: —

Cash Benefits Cash

器官捐贈後健康補品現金津貼: —
日間手術現金惠益: —
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: —

Event Benefits Event

器官捐贈者額外身故津貼: $25,000(US$3,230)
恩恤身故賠償: $25,000(US$3,230)
醫療意外事故保障: —
收入損失升級醫療保障: —
意外身故賠償: —
海外意外身故賠償: —

Plan 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)

Itemised LimitsVer. Nov 23, 2025

VHIS cert no.: F00021-03-000-03F00021-06-000-03
Plan Type: Flexi
Coverage region: Worldwide
Ward class: Standard Private Room
Annual benefit limit: HK$700,000(US$90,325)
Lifetime benefit limit: —
每傷病保障期: —
SMM Supplemental Major Medical: HK$338,000／per policy year, 20% coinsuranceUS$43,615／per policy year, 20% coinsurance
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: HK$4,000 per day, maximum 180 days per Policy Year(US$520)
(b) 雜項開支: $24,000(US$3,100)
(c) 主診醫生巡房費: HK$3,800 per day, maximum 180 days per Policy Year(US$495)
(d) 專科醫生費: $10,000(US$1,295)
(e) 深切治療: HK$10,000 per day, maximum 30 days per Policy Year(US$1,295)
(f) 外科醫生費: —
　　外科醫生費 — 小型: $8,000(US$1,035)
　　外科醫生費 — 中型: $25,000(US$3,230)
　　外科醫生費 — 大型: $40,000(US$5,165)
　　外科醫生費 — 複雜: $84,000(US$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: HK$30,000 per Policy YearSubject to 30% Coinsurance.(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: HK$800, (US$105,) per visit, HK$7,000 (US$905) per Policy Year 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)

Extra Benefits Extra

指定重建手術保障: —
門診洗腎: —
主要癌症額外保障: —
醫療植入裝置: —
器官移植的捐贈者保障: —
懷孕併發症: —
精神科門診護理: —
特殊學習需要門診護理: —
住院陪床: HK$500 per day, maximum 30 days per Policy Year(US$65)
私家看護費 (住院期間): —
住院期間的中醫服務: —
善終服務: —
家中看護: HK$1,000 per visitMaximum 30 visits per Policy Year.(US$130)
出院後 / 日間手術後的中醫門診治療: —
出院後 / 日間手術後的額外門診輔助治療: —
隔離病房費: —
意外牙科治療: —
意外急症門診治療費用賠償: —

Cash Benefits Cash

器官捐贈後健康補品現金津貼: —
日間手術現金惠益: —
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: —

Event Benefits Event

器官捐贈者額外身故津貼: $30,000(US$3,875)
恩恤身故賠償: $30,000(US$3,875)
醫療意外事故保障: —
收入損失升級醫療保障: —
意外身故賠償: —
海外意外身故賠償: —

Plan 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)

Itemised LimitsVer. Nov 23, 2025

VHIS cert no.: F00037-01-000-03F00037-05-000-03
Plan Type: Flexi
Coverage region: Worldwide
Ward class: Ward
Annual benefit limit: —
Lifetime benefit limit: —
每傷病保障期: —
SMM Supplemental Major Medical: HK$100,000／per policy year, 15% coinsuranceUS$12,904／per policy year, 15% coinsurance
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: HK$1,200 per day, maximum 180 days per Policy Year(US$155)
(b) 雜項開支: $16,000(US$2,065)
(c) 主診醫生巡房費: HK$950 per day, maximum 180 days per Policy Year(US$125)
(d) 專科醫生費: $6,000(US$775)
(e) 深切治療: HK$6,000 per day, maximum 90 days per Policy Year(US$775)
(f) 外科醫生費: —
　　外科醫生費 — 小型: $5,000(US$650)
　　外科醫生費 — 中型: $12,500(US$1,615)
　　外科醫生費 — 大型: $30,000(US$3,875)
　　外科醫生費 — 複雜: $70,000(US$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: HK$25,000 per Policy YearWhen performed during Confinement: subject to 30% CoinsuranceWhen performed in a facility providing day-patient medical services: subject to 20% Coinsurance(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: HK$800, (US$105,) per visit, HK$5,000 (US$650) per Policy Year 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)

Extra Benefits Extra

指定重建手術保障: —
門診洗腎: $50,000(US$6,455)
主要癌症額外保障: HK$120,000 per Benefit Period (i.e. every 6 consecutive Policy Years)(US$15,485)
醫療植入裝置: —
器官移植的捐贈者保障: $100,000(US$12,905)
懷孕併發症: Subject to the linked benefit items' reimbursement limits
精神科門診護理: —
特殊學習需要門診護理: —
住院陪床: Full reimbursementof Eligible Expenses, maximum 180 days per Policy Year
私家看護費 (住院期間): —
住院期間的中醫服務: —
善終服務: $30,000(US$3,875)
家中看護: HK$800 per visitMaximum 30 visits per Policy Year.(US$105)
出院後 / 日間手術後的中醫門診治療: HKD$600USDUS$80
出院後 / 日間手術後的額外門診輔助治療: —
隔離病房費: HK$1,200 per day, maximum 180 days per Policy Year(US$155)
意外牙科治療: $10,000(shared)
意外急症門診治療費用賠償: $10,000(shared)

Cash Benefits Cash

器官捐贈後健康補品現金津貼: $20,000(US$2,585)
日間手術現金惠益: HK$800 per Day Case Procedure, 1 per Policy Year(US$105)
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: 5% of the amount reimbursed by other insurers, HK$3,000 per Policy Year(US$390)

Event Benefits Event

器官捐贈者額外身故津貼: $100,000(US$12,905)
恩恤身故賠償: $20,000(US$2,585)
醫療意外事故保障: $100,000(US$12,905)
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)
意外身故賠償: —
海外意外身故賠償: —

Plan 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)

Itemised LimitsVer. Nov 23, 2025

VHIS cert no.: F00037-02-000-03F00037-06-000-03
Plan Type: Flexi
Coverage region: Worldwide
Ward class: Ward
Annual benefit limit: —
Lifetime benefit limit: —
每傷病保障期: —
SMM Supplemental Major Medical: HK$180,000／per policy year, 15% coinsuranceUS$23,230／per policy year, 15% coinsurance
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: HK$1,200 per day, maximum 180 days per Policy Year(US$155)
(b) 雜項開支: $16,000(US$2,065)
(c) 主診醫生巡房費: HK$950 per day, maximum 180 days per Policy Year(US$125)
(d) 專科醫生費: $6,000(US$775)
(e) 深切治療: HK$6,000 per day, maximum 90 days per Policy Year(US$775)
(f) 外科醫生費: —
　　外科醫生費 — 小型: $5,000(US$650)
　　外科醫生費 — 中型: $12,500(US$1,615)
　　外科醫生費 — 大型: $30,000(US$3,875)
　　外科醫生費 — 複雜: $70,000(US$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: HK$25,000 per Policy YearWhen performed during Confinement: subject to 30% CoinsuranceWhen performed in a facility providing day-patient medical services: subject to 20% Coinsurance(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: HK$800, (US$105,) per visit, HK$5,000 (US$650) per Policy Year 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)

Extra Benefits Extra

指定重建手術保障: —
門診洗腎: $50,000(US$6,455)
主要癌症額外保障: HK$120,000 per Benefit Period (i.e. every 6 consecutive Policy Years)(US$15,485)
醫療植入裝置: —
器官移植的捐贈者保障: $100,000(US$12,905)
懷孕併發症: Subject to the linked benefit items' reimbursement limits
精神科門診護理: —
特殊學習需要門診護理: —
住院陪床: Full reimbursementof Eligible Expenses, maximum 180 days per Policy Year
私家看護費 (住院期間): —
住院期間的中醫服務: —
善終服務: $30,000(US$3,875)
家中看護: HK$800 per visitMaximum 30 visits per Policy Year.(US$105)
出院後 / 日間手術後的中醫門診治療: 3) Chinese medicine treatment before/after discharge or Day Case Procedure: HK$600 (US$80) per visit, HK$2,000 (US$260) per Policy Year
出院後 / 日間手術後的額外門診輔助治療: —
隔離病房費: HK$1,200 per day, maximum 180 days per Policy Year(US$155)
意外牙科治療: $10,000(shared)
意外急症門診治療費用賠償: $10,000(shared)

Cash Benefits Cash

器官捐贈後健康補品現金津貼: $20,000(US$2,585)
日間手術現金惠益: HK$800 per Day Case Procedure, 1 per Policy Year(US$105)
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: 5% of the amount reimbursed by other insurers, HK$3,000 per Policy Year(US$390)

Event Benefits Event

器官捐贈者額外身故津貼: $100,000(US$12,905)
恩恤身故賠償: $20,000(US$2,585)
醫療意外事故保障: $100,000(US$12,905)
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)
意外身故賠償: —
海外意外身故賠償: —

Plan 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)

Itemised LimitsVer. Nov 23, 2025

VHIS cert no.: F00037-03-000-03F00037-07-000-03
Plan Type: Flexi
Coverage region: Worldwide
Ward class: Semi-Private Room
Annual benefit limit: —
Lifetime benefit limit: —
每傷病保障期: —
SMM Supplemental Major Medical: HK$180,000／per policy year, 15% coinsuranceUS$23,230／per policy year, 15% coinsurance
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: HK$2,300 per day, maximum 180 days per Policy Year(US$300)
(b) 雜項開支: $23,000(US$2,970)
(c) 主診醫生巡房費: HK$2,000 per day, maximum 180 days per Policy Year(US$260)
(d) 專科醫生費: $9,000(US$1,165)
(e) 深切治療: HK$9,000 per day, maximum 90 days per Policy Year(US$1,165)
(f) 外科醫生費: —
　　外科醫生費 — 小型: $10,000(US$1,295)
　　外科醫生費 — 中型: $25,000(US$3,230)
　　外科醫生費 — 大型: $50,000(US$6,455)
　　外科醫生費 — 複雜: $100,000(US$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: HK$30,000 per Policy YearWhen performed during Confinement: subject to 30% CoinsuranceWhen performed in a facility providing day-patient medical services: subject to 20% Coinsurance(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: HK$1,200, (US$155,) per visit, HK$8,000 (US$1,035) per Policy Year 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)

Extra Benefits Extra

指定重建手術保障: —
門診洗腎: $80,000(US$10,325)
主要癌症額外保障: HK$140,000 per Benefit Period (i.e. every 6 consecutive Policy Years)(US$18,065)
醫療植入裝置: —
器官移植的捐贈者保障: $200,000(US$25,810)
懷孕併發症: Subject to the linked benefit items' reimbursement limits
精神科門診護理: —
特殊學習需要門診護理: —
住院陪床: Full reimbursementof Eligible Expenses, maximum 180 days per Policy Year
私家看護費 (住院期間): —
住院期間的中醫服務: —
善終服務: $50,000(US$6,455)
家中看護: HK$1,200 per visitMaximum 30 visits per Policy Year.(US$155)
出院後 / 日間手術後的中醫門診治療: 3) Chinese medicine treatment before/after discharge or Day Case Procedure: HK$900 (US$120) per visit, HK$3,000 (US$390) per Policy Year
出院後 / 日間手術後的額外門診輔助治療: —
隔離病房費: HK$2,300 per day, maximum 180 days per Policy Year(US$300)
意外牙科治療: $20,000(shared)
意外急症門診治療費用賠償: $20,000(shared)

Cash Benefits Cash

器官捐贈後健康補品現金津貼: $30,000(US$3,875)
日間手術現金惠益: HK$1,200 per Day Case Procedure, 1 per Policy Year(US$155)
交通費用津貼惠益: HK$300 per Confinement, maximum 1 Confinements per Policy Year(US$40)
較低級別病房現金保障: HK$1,000 per day, maximum 15 days per Policy Year(US$130)
第二索償現金津貼: 5% of the amount reimbursed by other insurers, HK$6,000 per Policy Year(US$775)

Event Benefits Event

器官捐贈者額外身故津貼: $200,000(US$25,810)
恩恤身故賠償: $30,000(US$3,875)
醫療意外事故保障: $200,000(US$25,810)
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)
意外身故賠償: —
海外意外身故賠償: —

Plan 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)

Itemised LimitsVer. Nov 23, 2025

VHIS cert no.: F00037-04-000-03F00037-08-000-03
Plan Type: Flexi
Coverage region: Worldwide
Ward class: Standard Private Room
Annual benefit limit: —
Lifetime benefit limit: —
每傷病保障期: —
SMM Supplemental Major Medical: HK$280,000／per policy year, 15% coinsuranceUS$36,130／per policy year, 15% coinsurance
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: HK$5,200 per day, maximum 180 days per Policy Year(US$675)
(b) 雜項開支: $36,000(US$4,650)
(c) 主診醫生巡房費: HK$4,500 per day, maximum 180 days per Policy Year(US$585)
(d) 專科醫生費: $15,000(US$1,940)
(e) 深切治療: HK$15,000 per day, maximum 90 days per Policy Year(US$1,940)
(f) 外科醫生費: —
　　外科醫生費 — 小型: $15,000(US$1,940)
　　外科醫生費 — 中型: $32,500(US$4,195)
　　外科醫生費 — 大型: $75,000(US$9,680)
　　外科醫生費 — 複雜: $160,000(US$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: HK$40,000 per Policy YearWhen performed during Confinement: subject to 30% CoinsuranceWhen performed in a facility providing day-patient medical services: subject to 20% Coinsurance(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: HK$1,600, (US$210,) per visit, HK$10,000 (US$1,295) per Policy Year 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)

Extra Benefits Extra

指定重建手術保障: —
門診洗腎: $150,000(US$19,355)
主要癌症額外保障: HK$160,000 per Benefit Period (i.e. every 6 consecutive Policy Years)(US$20,650)
醫療植入裝置: —
器官移植的捐贈者保障: $300,000(US$38,710)
懷孕併發症: Subject to the linked benefit items' reimbursement limits
精神科門診護理: —
特殊學習需要門診護理: —
住院陪床: Full reimbursementof Eligible Expenses, maximum 180 days per Policy Year
私家看護費 (住院期間): —
住院期間的中醫服務: —
善終服務: $80,000(US$10,325)
家中看護: HK$2,000 per visitMaximum 30 visits per Policy Year.(US$260)
出院後 / 日間手術後的中醫門診治療: 3) Chinese medicine treatment before/after discharge or Day Case Procedure: HK$1,200 (US$155) per visit, HK$4,000 (US$520) per Policy Year
出院後 / 日間手術後的額外門診輔助治療: —
隔離病房費: HK$5,200 per day, maximum 180 days per Policy Year(US$675)
意外牙科治療: $30,000(shared)
意外急症門診治療費用賠償: $30,000(shared)

Cash Benefits Cash

器官捐贈後健康補品現金津貼: $40,000(US$5,165)
日間手術現金惠益: HK$2,000 per Day Case Procedure, 1 per Policy Year(US$260)
交通費用津貼惠益: HK$300 per Confinement, maximum 1 Confinements per Policy Year(US$40)
較低級別病房現金保障: HK$1,200 per day, maximum 15 days per Policy Year(US$155)
第二索償現金津貼: 5% of the amount reimbursed by other insurers, HK$12,000 per Policy Year(US$1,550)

Event Benefits Event

器官捐贈者額外身故津貼: $400,000(US$51,615)
恩恤身故賠償: $50,000(US$6,455)
醫療意外事故保障: $400,000(US$51,615)
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)
意外身故賠償: —
海外意外身故賠償: —

Plan 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)

Mid-range Full ReimbursementVer. Nov 23, 2025

VHIS cert no.: F00064-01-000-02F00064-03-000-02
Plan Type: Flexi
Coverage region: Worldwide
Ward class: Ward
Annual benefit limit: —
Lifetime benefit limit: —
每傷病賠償限額: HK$600,000(US$77,420)
SMM Supplemental Major Medical: —
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursementSpecified surgery: HK$14,000 per Disability per Policy Year(US$1,810)
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursementSpecified surgery: HK$5,000 per surgery(US$650)
　　外科醫生費 — 小型: —
　　外科醫生費 — 中型: —
　　外科醫生費 — 大型: —
　　外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursementSpecified surgery: 35% of Surgeon's fee payable
(h) 手術室費: Full reimbursementSpecified surgery: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: Full reimbursementWhen performed during Confinement: subject to 30% CoinsuranceWhen performed in a facility providing day-patient medical services: subject to 20% Coinsurance
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: up to 10 post-discharge follow-up visits within 90 days
(l) 精神科治療: $200,000(US$25,810)

Extra Benefits Extra

指定重建手術保障: —
門診洗腎: Full reimbursement
主要癌症額外保障: —
醫療植入裝置: —
器官移植的捐贈者保障: $100,000(US$12,905)
懷孕併發症: Subject to the linked benefit items' reimbursement limits
精神科門診護理: —
特殊學習需要門診護理: —
住院陪床: Full reimbursement
私家看護費 (住院期間): Full reimbursementMaximum 30 days per Disability per Policy Year, limited to services provided by 1 registered or graduate nurse per day
住院期間的中醫服務: —
善終服務: $30,000(US$3,875)
家中看護: Full reimbursementMaximum 30 days per Disability per Policy Year, limited to services provided by 1 registered or graduate nurse per day
出院後 / 日間手術後的中醫門診治療: Full reimbursementUp to 1 per day, HK$900 per visitUp to 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$120)
出院後 / 日間手術後的額外門診輔助治療: —
隔離病房費: —
意外牙科治療: Full reimbursementof Eligible Expenses within 30 days of the Accident
意外急症門診治療費用賠償: Full reimbursementof Eligible Expenses within 24 hours of the Accident

Cash Benefits Cash

器官捐贈後健康補品現金津貼: $20,000(US$2,585)
日間手術現金惠益: HK$800, per specified Day Case Procedure, 1 time(s) per Policy Year(US$105,)
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: 5% of the indemnity amount paid by any government, other insurer or third party other than the Company, up to HK$3,000 per Disability per Policy Year(US$390)

Event Benefits Event

器官捐贈者額外身故津貼: $100,000(US$12,905)
恩恤身故賠償: $20,000(US$2,585)
醫療意外事故保障: $100,000(US$12,905)
收入損失升級醫療保障: —
意外身故賠償: $20,000(US$2,585)
海外意外身故賠償: $100,000(US$12,905)

Plan 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)

Mid-range Full ReimbursementVer. Nov 23, 2025

VHIS cert no.: F00064-02-000-02F00064-04-000-02
Plan Type: Flexi
Coverage region: Worldwide
Ward class: Semi-Private Room
Annual benefit limit: —
Lifetime benefit limit: —
每傷病賠償限額: HK$800,000(US$103,230)
SMM Supplemental Major Medical: —
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursementSpecified surgery: HK$14,000 per Disability per Policy Year(US$1,810)
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursementSpecified surgery: HK$5,000 per surgery(US$650)
　　外科醫生費 — 小型: —
　　外科醫生費 — 中型: —
　　外科醫生費 — 大型: —
　　外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursementSpecified surgery: 35% of Surgeon's fee payable
(h) 手術室費: Full reimbursementSpecified surgery: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: Full reimbursementWhen performed during Confinement: subject to 30% CoinsuranceWhen performed in a facility providing day-patient medical services: subject to 20% Coinsurance
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: up to 10 post-discharge follow-up visits within 90 days
(l) 精神科治療: $250,000(US$32,260)

Extra Benefits Extra

指定重建手術保障: —
門診洗腎: Full reimbursement
主要癌症額外保障: —
醫療植入裝置: —
器官移植的捐贈者保障: $200,000(US$25,810)
懷孕併發症: Subject to the linked benefit items' reimbursement limits
精神科門診護理: —
特殊學習需要門診護理: —
住院陪床: Full reimbursement
私家看護費 (住院期間): Full reimbursementMaximum 30 days per Disability per Policy Year, limited to services provided by 1 registered or graduate nurse per day
住院期間的中醫服務: —
善終服務: $50,000(US$6,455)
家中看護: Full reimbursementMaximum 30 days per Disability per Policy Year, limited to services provided by 1 registered or graduate nurse per day
出院後 / 日間手術後的中醫門診治療: Full reimbursementUp to 1 per day, HK$1,300 per visitUp to 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$170)
出院後 / 日間手術後的額外門診輔助治療: —
隔離病房費: —
意外牙科治療: Full reimbursementof Eligible Expenses within 30 days of the Accident
意外急症門診治療費用賠償: Full reimbursementof Eligible Expenses within 24 hours of the Accident

Cash Benefits Cash

器官捐贈後健康補品現金津貼: $30,000(US$3,875)
日間手術現金惠益: HK$1,200, per specified Day Case Procedure, 1 time(s) per Policy Year(US$155,)
交通費用津貼惠益: —
較低級別病房現金保障: HK$1,000, per day, maximum 15 days per Disability per Policy Year(US$130,)
第二索償現金津貼: 5% of the indemnity amount paid by any government, other insurer or third party other than the Company, up to HK$6,000 per Disability per Policy Year(US$775)

Event Benefits Event

器官捐贈者額外身故津貼: $200,000(US$25,810)
恩恤身故賠償: $30,000(US$3,875)
醫療意外事故保障: $200,000(US$25,810)
收入損失升級醫療保障: —
意外身故賠償: $30,000(US$3,875)
海外意外身故賠償: $200,000(US$25,810)

Plan 11 / 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)

High-limitVer. Jan 10, 2025

VHIS cert no.: F00077-01-000-01
Plan Type: Flexi
Coverage region: Asia incl. AU/NZ
Ward class: Semi-Private Room
Annual benefit limit: HK$25,000,000
Lifetime benefit limit: HK$100,000,000
每傷病保障期: —
SMM Supplemental Major Medical: —
Deductible Options: $36K

Basic Benefits Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
　　外科醫生費 — 小型: —
　　外科醫生費 — 中型: —
　　外科醫生費 — 大型: —
　　外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement 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: HK$30,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

Extra Benefits Extra

指定重建手術保障: HK$250,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
門診洗腎: Full reimbursement
主要癌症額外保障: —
醫療植入裝置: Full reimbursementnon-specified items: HK$150,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
器官移植的捐贈者保障: —
懷孕併發症: Subject to the linked benefit items' reimbursement limits
精神科門診護理: Up to HK$1,000 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
特殊學習需要門診護理: Up to HK$1,000 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
住院陪床: Full reimbursement
私家看護費 (住院期間): —
住院期間的中醫服務: HK$800 per day (subject to Deductible and Coinsurance, if applicable)HK$30,000 per Policy Year
善終服務: —
家中看護: Full reimbursementMaximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within 120 days after discharge)
出院後 / 日間手術後的中醫門診治療: HK$600 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure
出院後 / 日間手術後的額外門診輔助治療: HK$6,000 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)
隔離病房費: —
意外牙科治療: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 30 days of the Accident
意外急症門診治療費用賠償: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 24 hours of the Accident

Cash Benefits Cash

器官捐贈後健康補品現金津貼: —
日間手術現金惠益: —
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: —

Event Benefits Event

器官捐贈者額外身故津貼: —
恩恤身故賠償: HK$10,000
醫療意外事故保障: —
收入損失升級醫療保障: —
意外身故賠償: —
海外意外身故賠償: —

Plan 12 / 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)

High-limitVer. Jan 10, 2025

VHIS cert no.: F00077-02-000-01
Plan Type: Flexi
Coverage region: Asia incl. AU/NZ
Ward class: Semi-Private Room
Annual benefit limit: HK$25,000,000
Lifetime benefit limit: HK$100,000,000
每傷病保障期: —
SMM Supplemental Major Medical: —
Deductible Options: $18K

Basic Benefits Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
　　外科醫生費 — 小型: —
　　外科醫生費 — 中型: —
　　外科醫生費 — 大型: —
　　外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement 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: HK$30,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

Extra Benefits Extra

指定重建手術保障: HK$250,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
門診洗腎: Full reimbursement
主要癌症額外保障: —
醫療植入裝置: Full reimbursementnon-specified items: HK$150,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
器官移植的捐贈者保障: —
懷孕併發症: Subject to the linked benefit items' reimbursement limits
精神科門診護理: Up to HK$1,000 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
特殊學習需要門診護理: Up to HK$1,000 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
住院陪床: Full reimbursement
私家看護費 (住院期間): —
住院期間的中醫服務: HK$800 per day (subject to Deductible and Coinsurance, if applicable)HK$30,000 per Policy Year
善終服務: —
家中看護: Full reimbursementMaximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within 120 days after discharge)
出院後 / 日間手術後的中醫門診治療: HK$600 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure
出院後 / 日間手術後的額外門診輔助治療: HK$6,000 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)
隔離病房費: —
意外牙科治療: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 30 days of the Accident
意外急症門診治療費用賠償: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 24 hours of the Accident

Cash Benefits Cash

器官捐贈後健康補品現金津貼: —
日間手術現金惠益: —
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: —

Event Benefits Event

器官捐贈者額外身故津貼: —
恩恤身故賠償: HK$10,000
醫療意外事故保障: —
收入損失升級醫療保障: —
意外身故賠償: —
海外意外身故賠償: —

Plan 13 / 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)

High-limitVer. Jan 10, 2025

VHIS cert no.: F00077-03-000-01
Plan Type: Flexi
Coverage region: Asia incl. AU/NZ
Ward class: Semi-Private Room
Annual benefit limit: HK$25,000,000
Lifetime benefit limit: HK$100,000,000
每傷病保障期: —
SMM Supplemental Major Medical: —
Deductible Options: $0

Basic Benefits Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
　　外科醫生費 — 小型: —
　　外科醫生費 — 中型: —
　　外科醫生費 — 大型: —
　　外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement 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: HK$30,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

Extra Benefits Extra

指定重建手術保障: HK$250,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
門診洗腎: Full reimbursement
主要癌症額外保障: —
醫療植入裝置: Full reimbursementnon-specified items: HK$150,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
器官移植的捐贈者保障: —
懷孕併發症: Subject to the linked benefit items' reimbursement limits
精神科門診護理: Up to HK$1,000 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
特殊學習需要門診護理: Up to HK$1,000 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
住院陪床: Full reimbursement
私家看護費 (住院期間): —
住院期間的中醫服務: HK$800 per day (subject to Deductible and Coinsurance, if applicable)HK$30,000 per Policy Year
善終服務: —
家中看護: Full reimbursementMaximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within 120 days after discharge)
出院後 / 日間手術後的中醫門診治療: HK$600 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure
出院後 / 日間手術後的額外門診輔助治療: HK$6,000 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)
隔離病房費: —
意外牙科治療: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 30 days of the Accident
意外急症門診治療費用賠償: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 24 hours of the Accident

Cash Benefits Cash

器官捐贈後健康補品現金津貼: —
日間手術現金惠益: —
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: —

Event Benefits Event

器官捐贈者額外身故津貼: —
恩恤身故賠償: HK$10,000
醫療意外事故保障: —
收入損失升級醫療保障: —
意外身故賠償: —
海外意外身故賠償: —

Plan 14 / 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)

High-limitVer. Jan 10, 2025

VHIS cert no.: F00077-08-000-01
Plan Type: Flexi
Coverage region: Asia incl. AU/NZ
Ward class: Semi-Private Room
Annual benefit limit: US$3,225,810
Lifetime benefit limit: US$12,903,240
每傷病保障期: —
SMM Supplemental Major Medical: —
Deductible Options: US$4,640

Basic Benefits Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
　　外科醫生費 — 小型: —
　　外科醫生費 — 中型: —
　　外科醫生費 — 大型: —
　　外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement 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)

Extra Benefits Extra

指定重建手術保障: US$32,260 per Policy Year (subject to Deductible and Coinsurance, if applicable)
門診洗腎: Full reimbursement
主要癌症額外保障: —
醫療植入裝置: Full reimbursementnon-specified items: US$19,355 per Policy Year (subject to Deductible and Coinsurance, if applicable)
器官移植的捐贈者保障: —
懷孕併發症: Subject to the linked benefit items' reimbursement limits
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
特殊學習需要門診護理: Up to US$130 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
住院陪床: Full reimbursement
私家看護費 (住院期間): —
住院期間的中醫服務: US$105 per day (subject to Deductible and Coinsurance, if applicable)US$3,875 per Policy Year
善終服務: —
家中看護: Full reimbursementMaximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within 120 days after discharge)
出院後 / 日間手術後的中醫門診治療: US$80 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure
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 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)
隔離病房費: —
意外牙科治療: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 30 days of the Accident
意外急症門診治療費用賠償: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 24 hours of the Accident

Cash Benefits Cash

器官捐贈後健康補品現金津貼: —
日間手術現金惠益: —
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: —

Event Benefits Event

器官捐贈者額外身故津貼: —
恩恤身故賠償: US$1,295
醫療意外事故保障: —
收入損失升級醫療保障: —
意外身故賠償: —
海外意外身故賠償: —

Plan 15 / 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)

High-limitVer. Jan 10, 2025

VHIS cert no.: F00077-09-000-01
Plan Type: Flexi
Coverage region: Asia incl. AU/NZ
Ward class: Semi-Private Room
Annual benefit limit: US$3,225,810
Lifetime benefit limit: US$12,903,240
每傷病保障期: —
SMM Supplemental Major Medical: —
Deductible Options: US$2,320

Basic Benefits Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
　　外科醫生費 — 小型: —
　　外科醫生費 — 中型: —
　　外科醫生費 — 大型: —
　　外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement 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)

Extra Benefits Extra

指定重建手術保障: US$32,260 per Policy Year (subject to Deductible and Coinsurance, if applicable)
門診洗腎: Full reimbursement
主要癌症額外保障: —
醫療植入裝置: Full reimbursementnon-specified items: US$19,355 per Policy Year (subject to Deductible and Coinsurance, if applicable)
器官移植的捐贈者保障: —
懷孕併發症: Subject to the linked benefit items' reimbursement limits
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
特殊學習需要門診護理: Up to US$130 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
住院陪床: Full reimbursement
私家看護費 (住院期間): —
住院期間的中醫服務: US$105 per day (subject to Deductible and Coinsurance, if applicable)US$3,875 per Policy Year
善終服務: —
家中看護: Full reimbursementMaximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within 120 days after discharge)
出院後 / 日間手術後的中醫門診治療: US$80 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure
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 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)
隔離病房費: —
意外牙科治療: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 30 days of the Accident
意外急症門診治療費用賠償: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 24 hours of the Accident

Cash Benefits Cash

器官捐贈後健康補品現金津貼: —
日間手術現金惠益: —
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: —

Event Benefits Event

器官捐贈者額外身故津貼: —
恩恤身故賠償: US$1,295
醫療意外事故保障: —
收入損失升級醫療保障: —
意外身故賠償: —
海外意外身故賠償: —

Plan 16 / 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)

High-limitVer. Jan 10, 2025

VHIS cert no.: F00077-10-000-01
Plan Type: Flexi
Coverage region: Asia incl. AU/NZ
Ward class: Semi-Private Room
Annual benefit limit: US$3,225,810
Lifetime benefit limit: US$12,903,240
每傷病保障期: —
SMM Supplemental Major Medical: —
Deductible Options: US$0

Basic Benefits Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
　　外科醫生費 — 小型: —
　　外科醫生費 — 中型: —
　　外科醫生費 — 大型: —
　　外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement 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)

Extra Benefits Extra

指定重建手術保障: US$32,260 per Policy Year (subject to Deductible and Coinsurance, if applicable)
門診洗腎: Full reimbursement
主要癌症額外保障: —
醫療植入裝置: Full reimbursementnon-specified items: US$19,355 per Policy Year (subject to Deductible and Coinsurance, if applicable)
器官移植的捐贈者保障: —
懷孕併發症: Subject to the linked benefit items' reimbursement limits
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
特殊學習需要門診護理: Up to US$130 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
住院陪床: Full reimbursement
私家看護費 (住院期間): —
住院期間的中醫服務: US$105 per day (subject to Deductible and Coinsurance, if applicable)US$3,875 per Policy Year
善終服務: —
家中看護: Full reimbursementMaximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within 120 days after discharge)
出院後 / 日間手術後的中醫門診治療: US$80 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure
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 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)
隔離病房費: —
意外牙科治療: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 30 days of the Accident
意外急症門診治療費用賠償: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 24 hours of the Accident

Cash Benefits Cash

器官捐贈後健康補品現金津貼: —
日間手術現金惠益: —
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: —

Event Benefits Event

器官捐贈者額外身故津貼: —
恩恤身故賠償: US$1,295
醫療意外事故保障: —
收入損失升級醫療保障: —
意外身故賠償: —
海外意外身故賠償: —

Plan 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)

High-limitVer. Jan 10, 2025

VHIS cert no.: F00077-04-000-01
Plan Type: Flexi
Coverage region: Worldwide (excluding United States)
Ward class: Standard Private Room
Annual benefit limit: HK$30,000,000
Lifetime benefit limit: HK$120,000,000
每傷病保障期: —
SMM Supplemental Major Medical: —
Deductible Options: $18K

Basic Benefits Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
　　外科醫生費 — 小型: —
　　外科醫生費 — 中型: —
　　外科醫生費 — 大型: —
　　外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement 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: HK$30,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

Extra Benefits Extra

指定重建手術保障: HK$400,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
門診洗腎: Full reimbursement
主要癌症額外保障: —
醫療植入裝置: Full reimbursementnon-specified items: HK$150,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
器官移植的捐贈者保障: —
懷孕併發症: Subject to the linked benefit items' reimbursement limits
精神科門診護理: Up to HK$1,200 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
特殊學習需要門診護理: Up to HK$1,200 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
住院陪床: Full reimbursement
私家看護費 (住院期間): —
住院期間的中醫服務: HK$1,000 per day (subject to Deductible and Coinsurance, if applicable)HK$30,000 per Policy Year
善終服務: —
家中看護: Full reimbursementMaximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within 120 days after discharge)
出院後 / 日間手術後的中醫門診治療: HK$1,300 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure
出院後 / 日間手術後的額外門診輔助治療: HK$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)
隔離病房費: —
意外牙科治療: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 30 days of the Accident
意外急症門診治療費用賠償: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 24 hours of the Accident

Cash Benefits Cash

器官捐贈後健康補品現金津貼: —
日間手術現金惠益: —
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: —

Event Benefits Event

器官捐贈者額外身故津貼: —
恩恤身故賠償: HK$10,000
醫療意外事故保障: —
收入損失升級醫療保障: —
意外身故賠償: —
海外意外身故賠償: —

Plan 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)

High-limitVer. Jan 10, 2025

VHIS cert no.: F00077-05-000-01
Plan Type: Flexi
Coverage region: Worldwide (excluding United States)
Ward class: Standard Private Room
Annual benefit limit: HK$30,000,000
Lifetime benefit limit: HK$120,000,000
每傷病保障期: —
SMM Supplemental Major Medical: —
Deductible Options: $0

Basic Benefits Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
　　外科醫生費 — 小型: —
　　外科醫生費 — 中型: —
　　外科醫生費 — 大型: —
　　外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement 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: HK$30,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

Extra Benefits Extra

指定重建手術保障: HK$400,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
門診洗腎: Full reimbursement
主要癌症額外保障: —
醫療植入裝置: Full reimbursementnon-specified items: HK$150,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
器官移植的捐贈者保障: —
懷孕併發症: Subject to the linked benefit items' reimbursement limits
精神科門診護理: Up to HK$1,200 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
特殊學習需要門診護理: Up to HK$1,200 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
住院陪床: Full reimbursement
私家看護費 (住院期間): —
住院期間的中醫服務: HK$1,000 per day (subject to Deductible and Coinsurance, if applicable)HK$30,000 per Policy Year
善終服務: —
家中看護: Full reimbursementMaximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within 120 days after discharge)
出院後 / 日間手術後的中醫門診治療: HK$1,300 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure
出院後 / 日間手術後的額外門診輔助治療: HK$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)
隔離病房費: —
意外牙科治療: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 30 days of the Accident
意外急症門診治療費用賠償: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 24 hours of the Accident

Cash Benefits Cash

器官捐贈後健康補品現金津貼: —
日間手術現金惠益: —
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: —

Event Benefits Event

器官捐贈者額外身故津貼: —
恩恤身故賠償: HK$10,000
醫療意外事故保障: —
收入損失升級醫療保障: —
意外身故賠償: —
海外意外身故賠償: —

Plan 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)

High-limitVer. Jan 10, 2025

VHIS cert no.: F00077-11-000-01
Plan Type: Flexi
Coverage region: Worldwide (excluding United States)
Ward class: Standard Private Room
Annual benefit limit: US$3,870,970
Lifetime benefit limit: US$15,483,880
每傷病保障期: —
SMM Supplemental Major Medical: —
Deductible Options: US$2,320

Basic Benefits Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
　　外科醫生費 — 小型: —
　　外科醫生費 — 中型: —
　　外科醫生費 — 大型: —
　　外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement 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)

Extra Benefits Extra

指定重建手術保障: US$51,615 per Policy Year (subject to Deductible and Coinsurance, if applicable)
門診洗腎: Full reimbursement
主要癌症額外保障: —
醫療植入裝置: Full reimbursementnon-specified items: US$19,355 per Policy Year (subject to Deductible and Coinsurance, if applicable)
器官移植的捐贈者保障: —
懷孕併發症: Subject to the linked benefit items' reimbursement limits
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
特殊學習需要門診護理: Up to US$155 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
住院陪床: Full reimbursement
私家看護費 (住院期間): —
住院期間的中醫服務: US$130 per day (subject to Deductible and Coinsurance, if applicable)US$3,875 per Policy Year
善終服務: —
家中看護: Full reimbursementMaximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within 120 days after discharge)
出院後 / 日間手術後的中醫門診治療: US$170 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure
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)
隔離病房費: —
意外牙科治療: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 30 days of the Accident
意外急症門診治療費用賠償: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 24 hours of the Accident

Cash Benefits Cash

器官捐贈後健康補品現金津貼: —
日間手術現金惠益: —
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: —

Event Benefits Event

器官捐贈者額外身故津貼: —
恩恤身故賠償: US$1,295
醫療意外事故保障: —
收入損失升級醫療保障: —
意外身故賠償: —
海外意外身故賠償: —

Plan 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)

High-limitVer. Jan 10, 2025

VHIS cert no.: F00077-12-000-01
Plan Type: Flexi
Coverage region: Worldwide (excluding United States)
Ward class: Standard Private Room
Annual benefit limit: US$3,870,970
Lifetime benefit limit: US$15,483,880
每傷病保障期: —
SMM Supplemental Major Medical: —
Deductible Options: US$0

Basic Benefits Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
　　外科醫生費 — 小型: —
　　外科醫生費 — 中型: —
　　外科醫生費 — 大型: —
　　外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement 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)

Extra Benefits Extra

指定重建手術保障: US$51,615 per Policy Year (subject to Deductible and Coinsurance, if applicable)
門診洗腎: Full reimbursement
主要癌症額外保障: —
醫療植入裝置: Full reimbursementnon-specified items: US$19,355 per Policy Year (subject to Deductible and Coinsurance, if applicable)
器官移植的捐贈者保障: —
懷孕併發症: Subject to the linked benefit items' reimbursement limits
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
特殊學習需要門診護理: Up to US$155 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
住院陪床: Full reimbursement
私家看護費 (住院期間): —
住院期間的中醫服務: US$130 per day (subject to Deductible and Coinsurance, if applicable)US$3,875 per Policy Year
善終服務: —
家中看護: Full reimbursementMaximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within 120 days after discharge)
出院後 / 日間手術後的中醫門診治療: US$170 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure
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)
隔離病房費: —
意外牙科治療: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 30 days of the Accident
意外急症門診治療費用賠償: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 24 hours of the Accident

Cash Benefits Cash

器官捐贈後健康補品現金津貼: —
日間手術現金惠益: —
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: —

Event Benefits Event

器官捐贈者額外身故津貼: —
恩恤身故賠償: US$1,295
醫療意外事故保障: —
收入損失升級醫療保障: —
意外身故賠償: —
海外意外身故賠償: —

Plan 21 / 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)

High-limitVer. Jan 10, 2025

VHIS cert no.: F00077-06-000-01
Plan Type: Flexi
Coverage region: Worldwide
Ward class: Standard Private Room
Annual benefit limit: HK$30,000,000
Lifetime benefit limit: HK$120,000,000
每傷病保障期: —
SMM Supplemental Major Medical: —
Deductible Options: $18K

Basic Benefits Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
　　外科醫生費 — 小型: —
　　外科醫生費 — 中型: —
　　外科醫生費 — 大型: —
　　外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement 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: HK$30,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

Extra Benefits Extra

指定重建手術保障: HK$400,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
門診洗腎: Full reimbursement
主要癌症額外保障: —
醫療植入裝置: Full reimbursementnon-specified items: HK$150,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
器官移植的捐贈者保障: —
懷孕併發症: Subject to the linked benefit items' reimbursement limits
精神科門診護理: Up to HK$1,200 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
特殊學習需要門診護理: Up to HK$1,200 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
住院陪床: Full reimbursement
私家看護費 (住院期間): —
住院期間的中醫服務: HK$1,000 per day (subject to Deductible and Coinsurance, if applicable)HK$30,000 per Policy Year
善終服務: —
家中看護: Full reimbursementMaximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within 120 days after discharge)
出院後 / 日間手術後的中醫門診治療: HK$1,300 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure
出院後 / 日間手術後的額外門診輔助治療: HK$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)
隔離病房費: —
意外牙科治療: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 30 days of the Accident
意外急症門診治療費用賠償: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 24 hours of the Accident

Cash Benefits Cash

器官捐贈後健康補品現金津貼: —
日間手術現金惠益: —
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: —

Event Benefits Event

器官捐贈者額外身故津貼: —
恩恤身故賠償: HK$10,000
醫療意外事故保障: —
收入損失升級醫療保障: —
意外身故賠償: —
海外意外身故賠償: —

Plan 22 / 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)

High-limitVer. Jan 10, 2025

VHIS cert no.: F00077-07-000-01
Plan Type: Flexi
Coverage region: Worldwide
Ward class: Standard Private Room
Annual benefit limit: HK$30,000,000
Lifetime benefit limit: HK$120,000,000
每傷病保障期: —
SMM Supplemental Major Medical: —
Deductible Options: $0

Basic Benefits Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
　　外科醫生費 — 小型: —
　　外科醫生費 — 中型: —
　　外科醫生費 — 大型: —
　　外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement 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: HK$30,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

Extra Benefits Extra

指定重建手術保障: HK$400,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
門診洗腎: Full reimbursement
主要癌症額外保障: —
醫療植入裝置: Full reimbursementnon-specified items: HK$150,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
器官移植的捐贈者保障: —
懷孕併發症: Subject to the linked benefit items' reimbursement limits
精神科門診護理: Up to HK$1,200 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
特殊學習需要門診護理: Up to HK$1,200 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
住院陪床: Full reimbursement
私家看護費 (住院期間): —
住院期間的中醫服務: HK$1,000 per day (subject to Deductible and Coinsurance, if applicable)HK$30,000 per Policy Year
善終服務: —
家中看護: Full reimbursementMaximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within 120 days after discharge)
出院後 / 日間手術後的中醫門診治療: HK$1,300 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure
出院後 / 日間手術後的額外門診輔助治療: HK$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)
隔離病房費: —
意外牙科治療: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 30 days of the Accident
意外急症門診治療費用賠償: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 24 hours of the Accident

Cash Benefits Cash

器官捐贈後健康補品現金津貼: —
日間手術現金惠益: —
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: —

Event Benefits Event

器官捐贈者額外身故津貼: —
恩恤身故賠償: HK$10,000
醫療意外事故保障: —
收入損失升級醫療保障: —
意外身故賠償: —
海外意外身故賠償: —

Plan 23 / 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)

High-limitVer. Jan 10, 2025

VHIS cert no.: F00077-13-000-01
Plan Type: Flexi
Coverage region: Worldwide
Ward class: Standard Private Room
Annual benefit limit: US$3,870,970
Lifetime benefit limit: US$15,483,880
每傷病保障期: —
SMM Supplemental Major Medical: —
Deductible Options: US$2,320

Basic Benefits Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
　　外科醫生費 — 小型: —
　　外科醫生費 — 中型: —
　　外科醫生費 — 大型: —
　　外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement 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)

Extra Benefits Extra

指定重建手術保障: US$51,615 per Policy Year (subject to Deductible and Coinsurance, if applicable)
門診洗腎: Full reimbursement
主要癌症額外保障: —
醫療植入裝置: Full reimbursementnon-specified items: US$19,355 per Policy Year (subject to Deductible and Coinsurance, if applicable)
器官移植的捐贈者保障: —
懷孕併發症: Subject to the linked benefit items' reimbursement limits
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
特殊學習需要門診護理: Up to US$155 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
住院陪床: Full reimbursement
私家看護費 (住院期間): —
住院期間的中醫服務: US$130 per day (subject to Deductible and Coinsurance, if applicable)US$3,875 per Policy Year
善終服務: —
家中看護: Full reimbursementMaximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within 120 days after discharge)
出院後 / 日間手術後的中醫門診治療: US$170 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure
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)
隔離病房費: —
意外牙科治療: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 30 days of the Accident
意外急症門診治療費用賠償: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 24 hours of the Accident

Cash Benefits Cash

器官捐贈後健康補品現金津貼: —
日間手術現金惠益: —
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: —

Event Benefits Event

器官捐贈者額外身故津貼: —
恩恤身故賠償: US$1,295
醫療意外事故保障: —
收入損失升級醫療保障: —
意外身故賠償: —
海外意外身故賠償: —

Plan 24 / 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)

High-limitVer. Jan 10, 2025

VHIS cert no.: F00077-14-000-01
Plan Type: Flexi
Coverage region: Worldwide
Ward class: Standard Private Room
Annual benefit limit: US$3,870,970
Lifetime benefit limit: US$15,483,880
每傷病保障期: —
SMM Supplemental Major Medical: —
Deductible Options: US$0

Basic Benefits Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
　　外科醫生費 — 小型: —
　　外科醫生費 — 中型: —
　　外科醫生費 — 大型: —
　　外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement 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)

Extra Benefits Extra

指定重建手術保障: US$51,615 per Policy Year (subject to Deductible and Coinsurance, if applicable)
門診洗腎: Full reimbursement
主要癌症額外保障: —
醫療植入裝置: Full reimbursementnon-specified items: US$19,355 per Policy Year (subject to Deductible and Coinsurance, if applicable)
器官移植的捐贈者保障: —
懷孕併發症: Subject to the linked benefit items' reimbursement limits
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
特殊學習需要門診護理: Up to US$155 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
住院陪床: Full reimbursement
私家看護費 (住院期間): —
住院期間的中醫服務: US$130 per day (subject to Deductible and Coinsurance, if applicable)US$3,875 per Policy Year
善終服務: —
家中看護: Full reimbursementMaximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within 120 days after discharge)
出院後 / 日間手術後的中醫門診治療: US$170 per visit (subject to Deductible and Coinsurance, if applicable)Up to 15 follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case Procedure
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)
隔離病房費: —
意外牙科治療: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 30 days of the Accident
意外急症門診治療費用賠償: Full reimbursementof Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 24 hours of the Accident

Cash Benefits Cash

器官捐贈後健康補品現金津貼: —
日間手術現金惠益: —
交通費用津貼惠益: —
較低級別病房現金保障: —
第二索償現金津貼: —

Event Benefits Event

器官捐贈者額外身故津貼: —
恩恤身故賠償: US$1,295
醫療意外事故保障: —
收入損失升級醫療保障: —
意外身故賠償: —
海外意外身故賠償: —