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FWD Life Insurance Company (Bermuda) Limited — same-insurer plan comparison
FWD Life Insurance Company (Bermuda) Limited · 14 plan series (54 variants, deductibles merged, sorted from basic to comprehensive)
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VHIS cert no.
S00036-01-000-03Benefits PDFPremiums PDF
F00015-01-000-03Benefits PDFPremiums PDF
F00032-01-000-05Benefits PDFPremiums PDF
F00072-01-000-01Benefits PDFPremiums PDF
F00051-01-000-03Benefits PDFPremiums PDF
F00051-02-000-03Benefits PDFPremiums PDF
F00069-01-000-02Benefits PDFPremiums PDF
F00069-02-000-02Benefits PDFPremiums PDF
F00069-03-000-02Benefits PDFPremiums PDF
F00069-04-000-02Benefits PDFPremiums PDF
F00069-05-000-02Benefits PDFPremiums PDF
F00069-06-000-02Benefits PDFPremiums PDF
F00070-01-000-02Benefits PDFPremiums PDF
F00070-02-000-02Benefits PDFPremiums PDF
F00070-03-000-02Benefits PDFPremiums PDF
F00070-04-000-02Benefits PDFPremiums PDF
F00070-05-000-02Benefits PDFPremiums PDF
F00070-06-000-02Benefits PDFPremiums PDF
F00070-07-000-02Benefits PDFPremiums PDF
F00070-08-000-02Benefits PDFPremiums PDF
F00070-09-000-02Benefits PDFPremiums PDF
F00070-10-000-02Benefits PDFPremiums PDF
F00070-11-000-02Benefits PDFPremiums PDF
F00070-12-000-02Benefits PDFPremiums PDF
F00045-01-000-05Benefits PDFPremiums PDF
F00045-02-000-05Benefits PDFPremiums PDF
F00045-03-000-05Benefits PDFPremiums PDF
F00045-04-000-05Benefits PDFPremiums PDF
F00045-05-000-03Benefits PDFPremiums PDF
F00045-06-000-03Benefits PDFPremiums PDF
F00067-01-000-02Benefits PDFPremiums PDF
F00067-02-000-02Benefits PDFPremiums PDF
F00067-03-000-02Benefits PDFPremiums PDF
F00067-04-000-02Benefits PDFPremiums PDF
F00067-05-000-02Benefits PDFPremiums PDF
F00067-06-000-02Benefits PDFPremiums PDF
F00067-07-000-02Benefits PDFPremiums PDF
F00067-08-000-02Benefits PDFPremiums PDF
F00067-09-000-02Benefits PDFPremiums PDF
F00067-10-000-02Benefits PDFPremiums PDF
F00067-11-000-02Benefits PDFPremiums PDF
F00067-12-000-02Benefits PDFPremiums PDF
F00067-13-000-02Benefits PDFPremiums PDF
F00067-14-000-02Benefits PDFPremiums PDF
F00067-15-000-02Benefits PDFPremiums PDF
F00067-16-000-02Benefits PDFPremiums PDF
F00067-17-000-02Benefits PDFPremiums PDF
F00067-18-000-02Benefits PDFPremiums PDF
F00067-19-000-02Benefits PDFPremiums PDF
F00067-20-000-02Benefits PDFPremiums PDF
F00067-21-000-02Benefits PDFPremiums PDF
F00067-22-000-02Benefits PDFPremiums PDF
F00067-23-000-02Benefits PDFPremiums PDF
F00067-24-000-02Benefits PDFPremiums PDF
Plan type
Standard
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Coverage region
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Asia incl. AU/NZ
Asia incl. AU/NZ
Worldwide (excluding United States)
Asia incl. AU/NZ
Asia incl. AU/NZ
Asia incl. AU/NZ
Worldwide (excluding United States)
Worldwide
Ward
N/A (capped)
Ward
Ward
Ward
Ward
Semi-Private Room
Ward
Semi-Private Room
Semi-Private Room
Semi-Private Room
Standard Private Room
Standard Private Room
Standard Private Room
Standard Private Room
Lifetime limit
—
—
—
—
—
—
—
—
—
—
—
—
—
—
Annual limit
—
—
—
—
Per illness
—
—
—
—
—
—
—
—
—
—
—
SMM top-up
—
—
No-Claim Bonus
—
10% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
15% × 2 yrs
15% × 3 yrs
15% × 4 yrs
20% × 5 yrs+
10% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
15% × 2 yrs
15% × 3 yrs
15% × 4 yrs
20% × 5 yrs+
15% × 2 yrs
15% × 3 yrs
15% × 4 yrs
20% × 5 yrs+
10% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
10% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
10% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
15% × 2 yrs
15% × 3 yrs
15% × 4 yrs
20% × 5 yrs+
10% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
10% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
10% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
10% × 2 yrs
10% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
Deductible
—
—
—
—
—
—
Version
Feb 2, 2026
Feb 2, 2026
Jun 2, 2025
Mar 4, 2024
Jun 2, 2025
Jun 2, 2025
Feb 2, 2026
Feb 2, 2026
Feb 2, 2026
Feb 2, 2026
Jun 2, 2025
Jun 2, 2025
Jun 2, 2025
Jun 2, 2025
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
$850 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(b) Miscellaneous charges
$14,000 per Policy Year
$14,500 per Policy Year
$16,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
$850 per day, maximum 180 days per Policy Year
$1,000 per day, maximum 180 days per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(d) Specialist's fee
$4,300 per Policy Year
$6,000 per Policy Year
$6,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
$4,500 per day, maximum 25 days per Policy Year
$4,500 per day, maximum 25 days per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(f) Surgeon's fee
—
—
—
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Full reimbursement of Eligible Expenses regardless of surgical category
Surgeon's fee — Minor
$5,000
$6,500
$6,500
—
—
—
—
—
—
—
—
—
—
—
Surgeon's fee — Intermediate
$12,500
$15,000
$15,000
—
—
—
—
—
—
—
—
—
—
—
Surgeon's fee — Major
$25,000
$30,000
$30,000
—
—
—
—
—
—
—
—
—
—
—
Surgeon's fee — Complex
$50,000
$70,000
$70,000
—
—
—
—
—
—
—
—
—
—
—
(g) Anaesthetist's fee
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(h) Operating theatre charges
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year. Subject to 30% Coinsurance.
$20,000 per Policy Year• Coinsurance is not applicable to Prescribed Diagnostic Imaging Tests performed during Confinement• 30% Coinsurance for Prescribed Diagnostic Imaging Tests performed in a facility providing day-patient medical services
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
$120,000 per Policy Year
$120,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$580, per visit, $6,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 6 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$580 per visit, $6,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 6 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureThe maximum benefit per Policy Year and the maximum 6 follow-up outpatient visits after discharge are shared with benefit item (G) of II. Enhanced Benefits
Full reimbursement of Eligible Expenses• Up to 3 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 20 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, with up to $600 per physiotherapy or chiropractic treatment visit
Full reimbursement of Eligible Expenses• Up to 3 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 20 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, with up to $600 per physiotherapy or chiropractic treatment visit
Full reimbursement of Eligible Expenses• Up to 3 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 20 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, with up to $600 per physiotherapy or chiropractic treatment visit
Full reimbursement of Eligible Expenses• Up to 3 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure• Up to 20 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day)• 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)
Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day)• 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)
Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day)• 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)
Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day)• 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)
Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day)• 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)
Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day)• 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)
Full reimbursement of Eligible Expenses• All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day)• 1 outpatient visit(s) or Emergency consultation(s) more than 31 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)
(l) Psychiatric treatments
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
$40,000 per Policy Year
$40,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Confined in Hospital in Hong Kong: Full reimbursement of Eligible Expenses; Confined in a hospital on the designated Mainland China hospital list: $40,000 per Policy YearIn designated Mainland China hospitals: per policy year HK$40,000
Confined in Hospital in Hong Kong: Full reimbursement of Eligible Expenses; Confined in a hospital on the designated Mainland China hospital list: $40,000 per Policy YearIn designated Mainland China hospitals: per policy year HK$40,000
Confined in Hospital in Hong Kong: Full reimbursement of Eligible Expenses; Confined in a hospital on the designated Mainland China hospital list: $40,000 per Policy YearIn designated Mainland China hospitals: per policy year HK$40,000
Confined in Hospital in Hong Kong: Full reimbursement of Eligible Expenses; Confined in a hospital on the designated Mainland China hospital list: $40,000 per Policy YearIn designated Mainland China hospitals: per policy year HK$40,000
Extra Benefits Extra
Accident-related
Emergency dental benefit (Accident only)
—
$20,000 per Policy Year within 2 weeks of the Accident
$20,000 per Policy Year within 2 weeks of the Accident
Full reimbursement of Eligible Expenses within 3 months of the Accident
Full reimbursement of Eligible Expenses within 3 months of the Accident
Full reimbursement of Eligible Expenses within 3 months of the Accident
Full reimbursement of Eligible Expenses within 3 months of the Accident
Full reimbursement of Eligible Expenses within 3 months of the Accident
Full reimbursement of Eligible Expenses within 3 months of the Accident
Full reimbursement of Eligible Expenses within 3 months of the Accident
Full reimbursement of Eligible Expenses within 3 months of the Accident
Full reimbursement of Eligible Expenses within 3 months of the Accident
Full reimbursement of Eligible Expenses within 3 months of the Accident
Full reimbursement of Eligible Expenses within 3 months of the Accident
Emergency outpatient treatment for Accident
—
—
$5,000 per Policy Year within 72 hours of the Accident
Full reimbursement of Eligible Expenses within 72 hours of the Accident
Full reimbursement of Eligible Expenses within 72 hours of the Accident
Full reimbursement of Eligible Expenses within 72 hours of the Accident
Full reimbursement of Eligible Expenses within 72 hours of the Accident
Full reimbursement of Eligible Expenses within 72 hours of the Accident
Full reimbursement of Eligible Expenses within 72 hours of the Accident
Full reimbursement of Eligible Expenses within 72 hours of the Accident
Full reimbursement of Eligible Expenses within 72 hours of the Accident
Full reimbursement of Eligible Expenses within 72 hours of the Accident
Full reimbursement of Eligible Expenses within 72 hours of the Accident
Full reimbursement of Eligible Expenses within 72 hours of the Accident
Inpatient-related
Medical implants / prosthetic devices
—
—
—
—
—
—
$96,000 per item per Policy Year
$96,000 per item per Policy Year
$96,000 per item per Policy Year
$96,000 per item per Policy Year
$120,000 per item per Policy Year
$120,000 per item per Policy Year
$120,000 per item per Policy Year
$120,000 per item per Policy Year
Organ transplant donor benefit
—
—
—
—
—
—
30% of the total transplant cost (applicable to heart, kidney, liver, lung or bone marrow transplant)
30% of the total transplant cost (applicable to heart, kidney, liver, lung or bone marrow transplant)
30% of the total transplant cost (applicable to heart, kidney, liver, lung or bone marrow transplant)
30% of the total transplant cost (applicable to heart, kidney, liver, lung or bone marrow transplant)
30% of the total transplant cost (applicable to heart, kidney, liver, lung or bone marrow transplant)
30% of the total transplant cost (applicable to heart, kidney, liver, lung or bone marrow transplant)
30% of the total transplant cost (applicable to heart, kidney, liver, lung or bone marrow transplant)
30% of the total transplant cost (applicable to heart, kidney, liver, lung or bone marrow transplant)
Complications of pregnancy
—
—
—
Full reimbursement of Eligible Expenses
—
—
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Hospital companion bed fee reimbursement
—
—
$500 per day, maximum 30 days per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Private nursing fee (during Confinement)
—
—
—
Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per day
Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per day
Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per day
Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, limited to services provided by 1 registered nurse per day
Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, limited to services provided by 1 registered nurse per day
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, limited to services provided by 1 registered nurse per day
Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, limited to services provided by 1 registered nurse per day
Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, limited to services provided by 1 registered nurse per day
Full reimbursement of Eligible Expenses, maximum 60 days per Policy Year, limited to services provided by 1 registered nurse per day
Full reimbursement of Eligible Expenses, maximum 90 days per Policy Year, limited to services provided by 1 registered nurse(s) per day
Prescribed Non-surgical Cancer Treatments (top-up)
—
—
Eligible Expenses in excess of the benefits payable under benefit item (j) of I. Basic Benefits and benefit item (B) of II. Enhanced Benefits, up to $50,000 per Policy Year
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under:(a) Prescribed Non-surgical Cancer Treatments under benefit item (j) of I. Basic Benefits;(b) Inpatient kidney dialysis under benefit item (b) of I. Basic Benefits;(c) Outpatient kidney dialysis under benefit item 5 of II. Upgraded Benefits; or(d) Organ or bone marrow transplant under benefit items (a) to (i) of I. Basic Benefits.$2,000,000 per Policy Year
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under:(a) Prescribed Non-surgical Cancer Treatments under benefit item (j) of I. Basic Benefits;(b) Inpatient kidney dialysis under benefit item (b) of I. Basic Benefits;(c) Outpatient kidney dialysis under benefit item 5 of II. Upgraded Benefits; or(d) Organ or bone marrow transplant under benefit items (a) to (i) of I. Basic Benefits.$2,500,000 per Policy Year
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
Kidney dialysis (top-up)
—
—
Eligible Expenses in excess of the benefits payable under benefit item (j) of I. Basic Benefits and benefit item (B) of II. Enhanced Benefits, up to $50,000 per Policy Year
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under:(a) Prescribed Non-surgical Cancer Treatments under benefit item (j) of I. Basic Benefits;(b) Inpatient kidney dialysis under benefit item (b) of I. Basic Benefits;(c) Outpatient kidney dialysis under benefit item 5 of II. Upgraded Benefits; or(d) Organ or bone marrow transplant under benefit items (a) to (i) of I. Basic Benefits.$2,000,000 per Policy Year
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under:(a) Prescribed Non-surgical Cancer Treatments under benefit item (j) of I. Basic Benefits;(b) Inpatient kidney dialysis under benefit item (b) of I. Basic Benefits;(c) Outpatient kidney dialysis under benefit item 5 of II. Upgraded Benefits; or(d) Organ or bone marrow transplant under benefit items (a) to (i) of I. Basic Benefits.$2,500,000 per Policy Year
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
Organ or bone-marrow transplant (top-up)
—
—
—
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under:(a) Prescribed Non-surgical Cancer Treatments under benefit item (j) of I. Basic Benefits;(b) Inpatient kidney dialysis under benefit item (b) of I. Basic Benefits;(c) Outpatient kidney dialysis under benefit item 5 of II. Upgraded Benefits; or(d) Organ or bone marrow transplant under benefit items (a) to (i) of I. Basic Benefits.$2,000,000 per Policy Year
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under:(a) Prescribed Non-surgical Cancer Treatments under benefit item (j) of I. Basic Benefits;(b) Inpatient kidney dialysis under benefit item (b) of I. Basic Benefits;(c) Outpatient kidney dialysis under benefit item 5 of II. Upgraded Benefits; or(d) Organ or bone marrow transplant under benefit items (a) to (i) of I. Basic Benefits.$2,500,000 per Policy Year
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
This benefit reimburses the Eligible Expenses in excess of the amounts payable under the underlying basic benefit items (Prescribed Non-surgical Cancer Treatments / inpatient and outpatient kidney dialysis / organ or bone marrow transplant). See the plan document for the full clause.
Outpatient-related
Post-stroke rehabilitation visits
—
—
—
—
—
—
$1,000 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $100,000 per Accident
$1,000 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $100,000 per Accident
$1,000 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $100,000 per Accident
$1,000 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $100,000 per Accident
$1,200 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $120,000 per Accident
$1,200 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $120,000 per Accident
$1,200 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $120,000 per Accident
$1,200 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $120,000 per Accident
Post-stroke home equipment upgrade
—
—
—
—
—
—
$80,000 per Accident
$80,000 per Accident
$80,000 per Accident
$80,000 per Accident
$100,000 per Accident
$100,000 per Accident
$100,000 per Accident
$100,000 per Accident
Cancer / cardiac / stroke rehabilitation benefit
—
—
$10,000 per Policy Year
$10,000 per Disability per Policy Year
$10,000 per Disability per Policy Year
$30,000 per Disability per Policy Year
$100,000 per Policy Year
$100,000 per Policy Year
$100,000 per Policy Year
$100,000 per Policy Year
$120,000 per Policy Year
$120,000 per Policy Year
$120,000 per Policy Year
$120,000 per Policy Year
Outpatient kidney dialysis
—
—
$200,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Hospice and palliative care benefit
—
—
$10,000 per Policy Year
—
—
—
$100,000 per Policy Year
$100,000 per Policy Year
$100,000 per Policy Year
$100,000 per Policy Year
$120,000 per Policy Year
$120,000 per Policy Year
$120,000 per Policy Year
$120,000 per Policy Year
Daily post-surgery home nursing benefit
—
—
$800 per day, maximum 30 days per Policy Year
Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per day
Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per day
Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per day
Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year, limited to services provided by 1 registered nurse per day (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year, limited to services provided by 1 registered nurse per day (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year, limited to services provided by 1 registered nurse per day (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year, limited to services provided by 1 registered nurse per day (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year, limited to services provided by 1 registered nurse per day (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year, limited to services provided by 1 registered nurse per day (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year, limited to services provided by 1 registered nurse per day (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year, limited to services provided by 1 registered nurse per day (within the post-discharge window after surgery or Intensive Care Unit stay)
Chinese Medicine Practitioner outpatient care
—
—
$580 per visit, $6,000 per Policy Year• Up to 6 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureThe maximum benefit per Policy Year and the maximum 6 follow-up outpatient visits after discharge are shared with benefit item (k) of I. Basic Benefits
$600 per visit, up to 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit(s) per day
$600 per visit, up to 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit(s) per day
$600 per visit, up to 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit(s) per day
$600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day
$600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day
$600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day
$600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day
$600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day
$600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day
$600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day
$600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day
Cancer-related
Phase III clinical trial drug benefit
—
—
—
—
—
—
—
—
—
—
$500,000 per Policy Year (For any Reasonable and Customary charges and/or expenses incurred outside Greater China that are payable under this benefit item, the Reasonable and Customary charges and/or expenses incurred shall be reduced to 60% in calculating the total benefit payable)
$500,000 per Policy Year (For any Reasonable and Customary charges and/or expenses incurred outside Greater China that are payable under this benefit item, the Reasonable and Customary charges and/or expenses incurred shall be reduced to 60% in calculating the total benefit payable)
$550,000 per Policy Year (For any Reasonable and Customary charges and/or expenses incurred outside Greater China that are payable under this benefit item, the Reasonable and Customary charges and/or expenses incurred shall be reduced to 60% in calculating the total benefit payable)
$600,000 per Policy Year (For any Reasonable and Customary charges and/or expenses incurred outside Greater China that are payable under this benefit item, the Reasonable and Customary charges and/or expenses incurred shall be reduced to 60% in calculating the total benefit payable)
Reconstructive surgery for specified conditions
—
—
—
—
—
—
Per Accident / per mastectomy: $160,000
Per Accident / per mastectomy: $160,000
Per Accident / per mastectomy: $160,000
Per Accident / per mastectomy: $160,000
Per Accident / per mastectomy: $200,000
Per Accident / per mastectomy: $200,000
Per Accident / per mastectomy: $200,000
Per Accident / per mastectomy: $200,000
Cash Benefits Cash
Second-claim cash allowance
—
$800 per day, maximum 60 days per Policy Year
$500 per day, maximum 60 days per Policy Year
$500 per day of Confinement, maximum 60 days per Disability per Policy Year
$500 per day of Confinement, maximum 60 days per Disability per Policy Year
$500 per day of Confinement, maximum 60 days per Disability per Policy Year
$800 per day of Confinement, maximum 60 days per Policy Year
$1,000 per day of Confinement, maximum 60 days per Policy Year
$1,000 per day of Confinement, maximum 60 days per Policy Year
$1,000 per day of Confinement, maximum 60 days per Policy Year
$1,100 per day of Confinement, maximum 60 days per Policy Year
$1,100 per day of Confinement, maximum 60 days per Policy Year
$1,100 per day of Confinement, maximum 60 days per Policy Year
$1,100 per day of Confinement, maximum 60 days per Policy Year
Lower ward class cash benefit
—
—
—
—
—
$800 per day of Confinement, maximum 30 days per Disability per Policy Year
—
$1,700 per day of Confinement, maximum 30 days per Policy Year
$1,700 per day of Confinement, maximum 30 days per Policy Year
$1,700 per day of Confinement, maximum 30 days per Policy Year
$1,800 per day of Confinement, maximum 30 days per Policy Year
$1,800 per day of Confinement, maximum 30 days per Policy Year
$1,800 per day of Confinement, maximum 30 days per Policy Year
$1,800 per day of Confinement, maximum 30 days per Policy Year
Day surgery cash benefit
—
$1,600 per surgery
$1,000 per surgery
$1,000 per surgery
$1,000 per surgery
$1,000 per surgery
$1,600 per surgery
$3,600 per surgery
$3,600 per surgery
$3,600 per surgery
$3,600 per surgery
$3,600 per surgery
$3,600 per surgery
$3,600 per surgery
Major surgery cash benefit
—
—
—
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $3,000 per Major surgery; $6,000 per Complex surgery; up to 1 Major or Complex surgery per day
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $3,000 per Major surgery; $6,000 per Complex surgery; up to 1 Major or Complex surgery per day
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $4,000 per Major surgery; $8,000 per Complex surgery; up to 1 Major or Complex surgery per day
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $4,000 per Major surgery; $8,000 per Complex surgery; up to 1 Major or Complex surgery per day
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $4,000 per Major surgery; $8,000 per Complex surgery; up to 1 Major or Complex surgery per day
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $6,000 per Major surgery; $12,000 per Complex surgery; up to 1 Major or Complex surgery per day
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $6,000 per Major surgery; $12,000 per Complex surgery; up to 1 Major or Complex surgery per day
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $5,000 per Major surgery; $10,000 per Complex surgery; up to 1 Major or Complex surgery per day
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $7,500 per Major surgery; $15,000 per Complex surgery; up to 1 Major or Complex surgery per day
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $10,000 per Major surgery; $20,000 per Complex surgery; up to 1 Major or Complex surgery per day
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – $15,000 per Major surgery; $30,000 per Complex surgery; up to 1 Major or Complex surgery per day
Daily ICU confinement cash benefit (Hong Kong)
—
—
—
$6,000 per Confinement• If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and• This benefit is payable 1 time only during the whole Confinement period.
$6,000 per Confinement• If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and• This benefit is payable 1 time only during the whole Confinement period.
$8,000 per Confinement• If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and• This benefit is payable 1 time only during the whole Confinement period.
$8,000 per Confinement• Applicable when the Insured Person is Confined in a hospital in Hong Kong, is in Intensive Care Unit for 3 consecutive days or more during the Confinement, and the Eligible Expenses incurred during the Confinement are reimbursable under the Terms and Benefits;• This benefit is payable once per entire Confinement.
$8,000 per Confinement• If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and• This benefit is payable 1 time only during the whole Confinement period.
$12,000 per Confinement• If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and• This benefit is payable 1 time only during the whole Confinement period.
$12,000 per Confinement• If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and• This benefit is payable 1 time only during the whole Confinement period.
$10,000 per Confinement• If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and• This benefit is payable 1 time only during the whole Confinement period.
$15,000 per Confinement• If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and• This benefit is payable 1 time only during the whole Confinement period.
$20,000 per Confinement• If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and• This benefit is payable 1 time only during the whole Confinement period.
$30,000 per Confinement• If the Insured Person is Confined in a Hospital in Hong Kong during which he/she is admitted to an Intensive Care Unit for at least 3 consecutive days and the Eligible Expenses incurred during such Confinement period are payable in accordance with these Terms and Benefits; and• This benefit is payable 1 time only during the whole Confinement period.
Event Benefits Event
Stroke disability allowance benefit
—
—
—
—
—
—
$10,000 per month, max 24 months per Accident
$10,000 per month, max 24 months per Accident
$10,000 per month, max 24 months per Accident
$10,000 per month, max 24 months per Accident
$12,000 per month, max 24 months per Accident
$12,000 per month, max 24 months per Accident
$12,000 per month, max 24 months per Accident
$12,000 per month, max 24 months per Accident
Compassionate death benefit
$10,000
$15,000
$15,000
$20,000
$20,000
$30,000
$40,000
$40,000
$40,000
$40,000
$80,000
$80,000
$80,000
$80,000
Accidental Death benefit
$10,000
$15,000
$15,000
$20,000
$20,000
$30,000
$40,000
$40,000
$40,000
$40,000
$80,000
$80,000
$80,000
$80,000
Death benefit due to complications of pregnancy
—
—
—
$20,000
—
—
—
—
—
—
—
—
—
—
VHIS cert no.
S00036-01-000-03Benefits 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
—
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
$14,000 per Policy Year
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
$4,300 per Policy Year
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
(f) Surgeon's fee
—
Surgeon's fee — Minor
$5,000
Surgeon's fee — Intermediate
$12,500
Surgeon's fee — Major
$25,000
Surgeon's fee — Complex
$50,000
(g) Anaesthetist's fee
35% of Surgeon's fee payable
(h) Operating theatre charges
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
$580, per visit, $3,000 per Policy Year
• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure
• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
$30,000 per Policy Year
Extra Benefits Extra
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)
—
Prescribed Non-surgical Cancer Treatments (top-up)Cancer top-up
—
Kidney dialysis (top-up)Dialysis top-up
—
Organ or bone-marrow transplant (top-up)Transplant top-up
—
Outpatient-related
Post-stroke rehabilitation visits
—
Post-stroke home equipment upgrade
—
Cancer / cardiac / stroke rehabilitation benefit
—
Outpatient kidney dialysis
—
Hospice and palliative care benefit
—
Daily post-surgery home nursing benefit
—
Chinese Medicine Practitioner outpatient care
—
Cancer-related
Phase III clinical trial drug benefit
—
Reconstructive surgery for specified conditions
—
Cash Benefits Cash
Second-claim cash allowanceAfter other pays
—
Lower ward class cash benefit
—
Day surgery cash benefit
—
Major surgery cash benefit
—
Daily ICU confinement cash benefit (Hong Kong)
—
Event Benefits Event
Stroke disability allowance benefit
—
Compassionate death benefit
$10,000
Accidental Death benefit
$10,000
Death benefit due to complications of pregnancy
—
Plan 1 / 14
確衛您醫療計劃
vCore Medical Plan
Entry-level PickVer. Feb 2, 2026
- VHIS cert no.
- S00036-01-000-03
- 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
- $750 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $14,000 per Policy Year
- (c) 主診醫生巡房費
- $750 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $4,300 per Policy Year
- (e) 深切治療
- $3,500 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $5,000
- 外科醫生費 — 中型
- $12,500
- 外科醫生費 — 大型
- $25,000
- 外科醫生費 — 複雜
- $50,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $20,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $30,000 per Policy Year
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- —
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 門診洗腎
- —
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- —
- 出院後 / 日間手術後的中醫門診治療
- —
- 訂明非手術癌症治療 (額外)
- —
- 腎臟透析 (額外)
- —
- 器官或骨髓移植 (額外)
- —
Cash Benefits Cash
- 第二索償現金津貼
- —
- 次級病房級別現金惠益
- —
- 日間手術現金惠益
- —
- 大型手術現金
- —
- 於香港入住深切治療部的現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 恩恤身故賠償
- $10,000
- 意外身故賠償
- $10,000
- 妊娠併發症之身故賠償
- —
Plan 2 / 14
更衛您醫療計劃
vCare Medical Plan
Step UpVer. Feb 2, 2026
- VHIS cert no.
- F00015-01-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$520,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $850 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $14,500 per Policy Year
- (c) 主診醫生巡房費
- $850 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $6,000 per Policy Year
- (e) 深切治療
- $4,500 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $6,500
- 外科醫生費 — 中型
- $15,000
- 外科醫生費 — 大型
- $30,000
- 外科醫生費 — 複雜
- $70,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $20,000 per Policy Year. Subject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- $120,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $580, per visit, $6,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 6 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- $30,000 per Policy Year
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- —
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- —
- 門診洗腎
- —
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- $20,000 per Policy Year within 2 weeks of the Accident
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- —
- 出院後 / 日間手術後的中醫門診治療
- —
- 訂明非手術癌症治療 (額外)
- —
- 腎臟透析 (額外)
- —
- 器官或骨髓移植 (額外)
- —
Cash Benefits Cash
- 第二索償現金津貼
- $800
- 次級病房級別現金惠益
- —
- 日間手術現金惠益
- $800 - $1,600 per surgery
- 大型手術現金
- —
- 於香港入住深切治療部的現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 恩恤身故賠償
- $15,000
- 意外身故賠償
- $15,000
- 妊娠併發症之身故賠償
- —
Plan 3 / 14
更衛您（優越版）醫療計劃
vCare Supreme Medical Plan
Step UpVer. Jun 2, 2025
- VHIS cert no.
- F00032-01-000-05
- 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 / per disability, 15% coinsurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $1,000 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- $16,000 per Policy Year
- (c) 主診醫生巡房費
- $1,000 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- $6,000 per Policy Year
- (e) 深切治療
- $4,500 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $6,500
- 外科醫生費 — 中型
- $15,000
- 外科醫生費 — 大型
- $30,000
- 外科醫生費 — 複雜
- $70,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- $20,000 per Policy Year• Coinsurance is not applicable to Prescribed Diagnostic Imaging Tests performed during Confinement• 30% Coinsurance for Prescribed Diagnostic Imaging Tests performed in a facility providing day-patient medical services
- (j) 訂明非手術癌症治療
- $120,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- $580 per visit, $6,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 6 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure The maximum benefit per Policy Year and the maximum 6 follow-up outpatient visits after discharge are shared with benefit item (G) of II. Enhanced Benefits
- (l) 精神科治療
- $30,000 per Policy Year
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- —
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- $10,000 per Policy Year
- 門診洗腎
- $200,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- $20,000 per Policy Year within 2 weeks of the Accident
- 意外急症門診治療費用賠償
- $5,000 per Policy Year within 72 hours of the Accident
- 住院陪床
- $500 per day, maximum 30 days per Policy Year
- 私家看護費 (住院期間)
- —
- 善終服務
- $10,000 per Policy Year
- 家中看護
- $800 per day, maximum 30 days per Policy Year
- 出院後 / 日間手術後的中醫門診治療
- $580 per visit, $6,000 per Policy Year• Up to 6 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureThe maximum benefit per Policy Year and the maximum 6 follow-up outpatient visits after discharge are shared with benefit item (k) of I. Basic Benefits
- 訂明非手術癌症治療 (額外)
- $50,000(shared)
- 腎臟透析 (額外)
- $50,000(shared)
- 器官或骨髓移植 (額外)
- —
Cash Benefits Cash
- 第二索償現金津貼
- $500
- 次級病房級別現金惠益
- —
- 日間手術現金惠益
- $500 - $1,000 per surgery
- 大型手術現金
- —
- 於香港入住深切治療部的現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 恩恤身故賠償
- $15,000
- 意外身故賠償
- $15,000
- 妊娠併發症之身故賠償
- —
Plan 4 / 14
醫家保醫療計劃
vFamily Medical Plan
Best ValueVer. Mar 4, 2024
- VHIS cert no.
- F00072-01-000-01
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病賠償限額
- HK$550,000
- SMM Supplemental Major Medical
- HK$550,000／per policy year / per disability
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement of Eligible Expenses
- (b) 雜項開支
- Full reimbursement of Eligible Expenses
- (c) 主診醫生巡房費
- Full reimbursement of Eligible Expenses
- (d) 專科醫生費
- Full reimbursement of Eligible Expenses
- (e) 深切治療
- Full reimbursement of Eligible Expenses
- (f) 外科醫生費
- Full reimbursement of Eligible Expenses regardless of surgical category
- 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 of Eligible Expenses
- (h) 手術室費
- Full reimbursement of Eligible Expenses
- (i) 訂明診斷成像檢測
- Full reimbursement of Eligible Expenses
- (j) 訂明非手術癌症治療
- Full reimbursement of Eligible Expenses
- (k) 入院前或出院後／日間手術前後的門診護理
- Full reimbursement of Eligible Expenses • Up to 3 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 20 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, with up to $600 per physiotherapy or chiropractic treatment visit
- (l) 精神科治療
- Full reimbursement of Eligible Expenses
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- —
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- $10,000 per Disability per Policy Year
- 門診洗腎
- Full reimbursement of Eligible Expenses
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- Full reimbursement of Eligible Expenses
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 72 hours of the Accident
- 住院陪床
- Full reimbursement of Eligible Expenses
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per day
- 善終服務
- —
- 家中看護
- Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per day
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit, up to 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit(s) per day
- 訂明非手術癌症治療 (額外)
- $550,000(shared)
- 腎臟透析 (額外)
- $550,000(shared)
- 器官或骨髓移植 (額外)
- $550,000(shared)
Cash Benefits Cash
- 第二索償現金津貼
- $500
- 次級病房級別現金惠益
- —
- 日間手術現金惠益
- $500 - $1,000 per surgery
- 大型手術現金
- $3,000
- 於香港入住深切治療部的現金保障
- $6,000
Event Benefits Event
- 中風傷殘津貼保障
- —
- 恩恤身故賠償
- $20,000
- 意外身故賠償
- $20,000
- 妊娠併發症之身故賠償
- $20,000
Plan 5 / 14
易衛您醫療計劃 - 標準
vCANsurance Medical Plan - Standard
Best ValueVer. Jun 2, 2025
- VHIS cert no.
- F00051-01-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- —
- Lifetime benefit limit
- —
- 每傷病賠償限額
- HK$650,000
- SMM Supplemental Major Medical
- HK$650,000／per policy year / per disability
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement of Eligible Expenses
- (b) 雜項開支
- Full reimbursement of Eligible Expenses
- (c) 主診醫生巡房費
- Full reimbursement of Eligible Expenses
- (d) 專科醫生費
- Full reimbursement of Eligible Expenses
- (e) 深切治療
- Full reimbursement of Eligible Expenses
- (f) 外科醫生費
- Full reimbursement of Eligible Expenses regardless of surgical category
- 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 of Eligible Expenses
- (h) 手術室費
- Full reimbursement of Eligible Expenses
- (i) 訂明診斷成像檢測
- Full reimbursement of Eligible Expenses
- (j) 訂明非手術癌症治療
- Full reimbursement of Eligible Expenses
- (k) 入院前或出院後／日間手術前後的門診護理
- Full reimbursement of Eligible Expenses • Up to 3 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 20 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, with up to $600 per physiotherapy or chiropractic treatment visit
- (l) 精神科治療
- Full reimbursement of Eligible Expenses
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- —
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- $10,000 per Disability per Policy Year
- 門診洗腎
- Full reimbursement of Eligible Expenses
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 72 hours of the Accident
- 住院陪床
- Full reimbursement of Eligible Expenses
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per day
- 善終服務
- —
- 家中看護
- Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per day
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit, up to 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit(s) per day
- 訂明非手術癌症治療 (額外)
- $650,000(shared)
- 腎臟透析 (額外)
- $650,000(shared)
- 器官或骨髓移植 (額外)
- $650,000(shared)
Cash Benefits Cash
- 第二索償現金津貼
- $500
- 次級病房級別現金惠益
- —
- 日間手術現金惠益
- $500 - $1,000 per surgery
- 大型手術現金
- $3,000
- 於香港入住深切治療部的現金保障
- $6,000
Event Benefits Event
- 中風傷殘津貼保障
- —
- 恩恤身故賠償
- $20,000
- 意外身故賠償
- $20,000
- 妊娠併發症之身故賠償
- —
Plan 6 / 14
易衛您醫療計劃 - 特等
vCANsurance Medical Plan - Superior
Best ValueVer. Jun 2, 2025
- VHIS cert no.
- F00051-02-000-03
- 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$850,000
- SMM Supplemental Major Medical
- HK$850,000／per policy year / per disability
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement of Eligible Expenses
- (b) 雜項開支
- Full reimbursement of Eligible Expenses
- (c) 主診醫生巡房費
- Full reimbursement of Eligible Expenses
- (d) 專科醫生費
- Full reimbursement of Eligible Expenses
- (e) 深切治療
- Full reimbursement of Eligible Expenses
- (f) 外科醫生費
- Full reimbursement of Eligible Expenses regardless of surgical category
- 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 of Eligible Expenses
- (h) 手術室費
- Full reimbursement of Eligible Expenses
- (i) 訂明診斷成像檢測
- Full reimbursement of Eligible Expenses
- (j) 訂明非手術癌症治療
- Full reimbursement of Eligible Expenses
- (k) 入院前或出院後／日間手術前後的門診護理
- Full reimbursement of Eligible Expenses • Up to 3 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 20 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, with up to $600 per physiotherapy or chiropractic treatment visit
- (l) 精神科治療
- Full reimbursement of Eligible Expenses
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- —
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 復康保障
- $30,000 per Disability per Policy Year
- 門診洗腎
- Full reimbursement of Eligible Expenses
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 72 hours of the Accident
- 住院陪床
- Full reimbursement of Eligible Expenses
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per day
- 善終服務
- —
- 家中看護
- Full reimbursement of Eligible Expenses, maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered nurse(s) per day
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit, up to 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit(s) per day
- 訂明非手術癌症治療 (額外)
- $850,000(shared)
- 腎臟透析 (額外)
- $850,000(shared)
- 器官或骨髓移植 (額外)
- $850,000(shared)
Cash Benefits Cash
- 第二索償現金津貼
- $500
- 次級病房級別現金惠益
- $800
- 日間手術現金惠益
- $500 - $1,000 per surgery
- 大型手術現金
- $4,000
- 於香港入住深切治療部的現金保障
- $8,000
Event Benefits Event
- 中風傷殘津貼保障
- —
- 恩恤身故賠償
- $30,000
- 意外身故賠償
- $30,000
- 妊娠併發症之身故賠償
- —
Plan 7 / 14
倍衛您醫療計劃
vBooster Medical Plan
High-endVer. Feb 2, 2026
- VHIS cert no.
- F00069-01-000-02F00069-02-000-02F00069-03-000-02F00069-04-000-02F00069-05-000-02F00069-06-000-02
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Ward
- Annual benefit limit
- HK$8,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$2,000,000／per policy year
- Deductible Options
- $0 / $16K / $25K / $50K / $100K / $180K
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 of Eligible Expenses regardless of surgical category
- 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 of Eligible Expenses • Up to 3 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure • Up to 20 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
- $40,000
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- —
- 指定重建手術保障
- $160,000
- 中風復康治療
- $1,000 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $100,000 per Accident
- 中風家居設備提升
- $80,000
- 復康保障
- $100,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- $96,000
- 器官移植的捐贈者保障
- 30% of the total transplant cost (applicable to heart, kidney, liver, lung or bone marrow transplant)
- 懷孕併發症
- Full reimbursement
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 72 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, limited to services provided by 1 registered nurse per day
- 善終服務
- $100,000
- 家中看護
- Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year, limited to services provided by 1 registered nurse per day (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day
- 訂明非手術癌症治療 (額外)
- $2,000,000(shared)
- 腎臟透析 (額外)
- $2,000,000(shared)
- 器官或骨髓移植 (額外)
- $2,000,000(shared)
Cash Benefits Cash
- 第二索償現金津貼
- $800
- 次級病房級別現金惠益
- —
- 日間手術現金惠益
- $800 - $1,600 per surgery
- 大型手術現金
- $800 - $4,000
- 於香港入住深切治療部的現金保障
- $1,600 - $8,000
Event Benefits Event
- 中風傷殘津貼保障
- $10,000 per month, max 24 months per Accident
- 恩恤身故賠償
- $40,000
- 意外身故賠償
- $40,000
- 妊娠併發症之身故賠償
- —
Plan 8 / 14
尊衛您（寰譽版）醫療計劃 - 標準
vPrime Signature Medical Plan - Standard
High-endVer. Feb 2, 2026
- VHIS cert no.
- F00070-01-000-02F00070-02-000-02F00070-03-000-02F00070-04-000-02F00070-05-000-02F00070-06-000-02
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$15,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$2,000,000／per policy year
- Deductible Options
- $0 / $16K / $25K / $50K / $100K / $250K
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 of Eligible Expenses regardless of surgical category
- 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 of Eligible Expenses • All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day) • 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)
- (l) 精神科治療
- $40,000
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- —
- 指定重建手術保障
- $160,000
- 中風復康治療
- $1,000 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $100,000 per Accident
- 中風家居設備提升
- $80,000
- 復康保障
- $100,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- $96,000
- 器官移植的捐贈者保障
- 30% of the total transplant cost (applicable to heart, kidney, liver, lung or bone marrow transplant)
- 懷孕併發症
- Full reimbursement
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 72 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, limited to services provided by 1 registered nurse per day
- 善終服務
- $100,000
- 家中看護
- Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year, limited to services provided by 1 registered nurse per day (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day
- 訂明非手術癌症治療 (額外)
- $2,000,000(shared)
- 腎臟透析 (額外)
- $2,000,000(shared)
- 器官或骨髓移植 (額外)
- $2,000,000(shared)
Cash Benefits Cash
- 第二索償現金津貼
- $500 - $1,000
- 次級病房級別現金惠益
- $900 - $1,700
- 日間手術現金惠益
- $1,800 - $3,600 per surgery
- 大型手術現金
- $800 - $4,000
- 於香港入住深切治療部的現金保障
- $1,600 - $8,000
Event Benefits Event
- 中風傷殘津貼保障
- $10,000 per month, max 24 months per Accident
- 恩恤身故賠償
- $40,000
- 意外身故賠償
- $40,000
- 妊娠併發症之身故賠償
- —
Plan 9 / 14
尊衛您（寰譽版）醫療計劃 - 特等
vPrime Signature Medical Plan - Superior
High-endVer. Feb 2, 2026
- VHIS cert no.
- F00070-07-000-02F00070-08-000-02F00070-09-000-02F00070-10-000-02F00070-11-000-02F00070-12-000-02
- Plan Type
- Flexi
- Coverage region
- Worldwide (excluding United States)
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$18,500,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$2,500,000／per policy year
- Deductible Options
- $0 / $16K / $25K / $50K / $100K / $250K
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 of Eligible Expenses regardless of surgical category
- 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 of Eligible Expenses • All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day) • 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)
- (l) 精神科治療
- Full reimbursement
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- —
- 指定重建手術保障
- $160,000
- 中風復康治療
- $1,000 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $100,000 per Accident
- 中風家居設備提升
- $80,000
- 復康保障
- $100,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- $96,000
- 器官移植的捐贈者保障
- 30% of the total transplant cost (applicable to heart, kidney, liver, lung or bone marrow transplant)
- 懷孕併發症
- Full reimbursement
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 72 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement
- 善終服務
- $100,000
- 家中看護
- Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year, limited to services provided by 1 registered nurse per day (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day
- 訂明非手術癌症治療 (額外)
- $2,500,000(shared)
- 腎臟透析 (額外)
- $2,500,000(shared)
- 器官或骨髓移植 (額外)
- $2,500,000(shared)
Cash Benefits Cash
- 第二索償現金津貼
- $500 - $1,000
- 次級病房級別現金惠益
- $900 - $1,700
- 日間手術現金惠益
- $1,800 - $3,600 per surgery
- 大型手術現金
- $1,200 - $6,000
- 於香港入住深切治療部的現金保障
- $2,500 - $12,000
Event Benefits Event
- 中風傷殘津貼保障
- $10,000 per month, max 24 months per Accident
- 恩恤身故賠償
- $40,000
- 意外身故賠償
- $40,000
- 妊娠併發症之身故賠償
- —
Plan 10 / 14
尊衛您醫療計劃
vPrime Medical Plan
High-endVer. Feb 2, 2026
- VHIS cert no.
- F00045-01-000-05F00045-02-000-05F00045-03-000-05F00045-04-000-05F00045-05-000-03F00045-06-000-03
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$16,500,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$2,500,000／per policy year
- Deductible Options
- $0 / $16K / $25K / $50K / $100K / $250K
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 of Eligible Expenses regardless of surgical category
- 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 of Eligible Expenses • All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day) • 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)
- (l) 精神科治療
- Full reimbursement
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- —
- 指定重建手術保障
- $160,000
- 中風復康治療
- $1,000 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $100,000 per Accident
- 中風家居設備提升
- $80,000
- 復康保障
- $100,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- $96,000
- 器官移植的捐贈者保障
- 30% of the total transplant cost (applicable to heart, kidney, liver, lung or bone marrow transplant)
- 懷孕併發症
- Full reimbursement
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 72 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, limited to services provided by 1 registered nurse per day
- 善終服務
- $100,000
- 家中看護
- Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year, limited to services provided by 1 registered nurse per day (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day
- 訂明非手術癌症治療 (額外)
- $2,500,000(shared)
- 腎臟透析 (額外)
- $2,500,000(shared)
- 器官或骨髓移植 (額外)
- $2,500,000(shared)
Cash Benefits Cash
- 第二索償現金津貼
- $500 - $1,000
- 次級病房級別現金惠益
- $900 - $1,700
- 日間手術現金惠益
- $1,800 - $3,600 per surgery
- 大型手術現金
- $1,200 - $6,000
- 於香港入住深切治療部的現金保障
- $2,500 - $12,000
Event Benefits Event
- 中風傷殘津貼保障
- $10,000 per month, max 24 months per Accident
- 恩恤身故賠償
- $40,000
- 意外身故賠償
- $40,000
- 妊娠併發症之身故賠償
- —
Plan 11 / 14
至．衛一醫療計劃 - 標準
vTheOne Medical Plan - Standard
High-endVer. Jun 2, 2025
- VHIS cert no.
- F00067-01-000-02F00067-02-000-02F00067-03-000-02F00067-04-000-02F00067-05-000-02F00067-06-000-02
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$16,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$1,500,000／per policy year
- Deductible Options
- $0 / $25K / $40K / $80K / $120K / $250K
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 of Eligible Expenses regardless of surgical category
- 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 of Eligible Expenses • All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day) • 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)
- (l) 精神科治療
- Confined in Hospital in Hong Kong: Full reimbursement of Eligible Expenses; Confined in a hospital on the designated Mainland China hospital list: $40,000 per Policy YearIn designated Mainland China hospitals: per policy year HK$40,000
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- $250,000 - $500,000
- 指定重建手術保障
- $200,000
- 中風復康治療
- $1,200 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $120,000 per Accident
- 中風家居設備提升
- $100,000
- 復康保障
- $120,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- $120,000
- 器官移植的捐贈者保障
- 30% of the total transplant cost (applicable to heart, kidney, liver, lung or bone marrow transplant)
- 懷孕併發症
- Full reimbursement
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 72 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, limited to services provided by 1 registered nurse per day
- 善終服務
- $120,000
- 家中看護
- Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year, limited to services provided by 1 registered nurse per day (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day
- 訂明非手術癌症治療 (額外)
- $1,500,000(shared)
- 腎臟透析 (額外)
- $1,500,000(shared)
- 器官或骨髓移植 (額外)
- $1,500,000(shared)
Cash Benefits Cash
- 第二索償現金津貼
- $600 - $1,100
- 次級病房級別現金惠益
- $1,000 - $1,800
- 日間手術現金惠益
- $1,800 - $3,600 per surgery
- 大型手術現金
- $1,000 - $5,000
- 於香港入住深切治療部的現金保障
- $2,000 - $10,000
Event Benefits Event
- 中風傷殘津貼保障
- $12,000 per month, max 24 months per Accident
- 恩恤身故賠償
- $40,000 - $80,000
- 意外身故賠償
- $40,000 - $80,000
- 妊娠併發症之身故賠償
- —
Plan 12 / 14
至．衛一醫療計劃 - 標準優越版
vTheOne Medical Plan - Standard Plus
High-endVer. Jun 2, 2025
- VHIS cert no.
- F00067-07-000-02F00067-08-000-02F00067-09-000-02F00067-10-000-02F00067-11-000-02F00067-12-000-02
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$42,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$1,500,000／per policy year
- Deductible Options
- $0 / $25K / $40K / $80K / $120K / $250K
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 of Eligible Expenses regardless of surgical category
- 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 of Eligible Expenses • All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day) • 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)
- (l) 精神科治療
- Confined in Hospital in Hong Kong: Full reimbursement of Eligible Expenses; Confined in a hospital on the designated Mainland China hospital list: $40,000 per Policy YearIn designated Mainland China hospitals: per policy year HK$40,000
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- $250,000 - $500,000
- 指定重建手術保障
- $200,000
- 中風復康治療
- $1,200 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $120,000 per Accident
- 中風家居設備提升
- $100,000
- 復康保障
- $120,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- $120,000
- 器官移植的捐贈者保障
- 30% of the total transplant cost (applicable to heart, kidney, liver, lung or bone marrow transplant)
- 懷孕併發症
- Full reimbursement
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 72 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year, limited to services provided by 1 registered nurse per day
- 善終服務
- $120,000
- 家中看護
- Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year, limited to services provided by 1 registered nurse per day (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day
- 訂明非手術癌症治療 (額外)
- $1,500,000(shared)
- 腎臟透析 (額外)
- $1,500,000(shared)
- 器官或骨髓移植 (額外)
- $1,500,000(shared)
Cash Benefits Cash
- 第二索償現金津貼
- $600 - $1,100
- 次級病房級別現金惠益
- $1,000 - $1,800
- 日間手術現金惠益
- $1,800 - $3,600 per surgery
- 大型手術現金
- $1,500 - $7,500
- 於香港入住深切治療部的現金保障
- $3,000 - $15,000
Event Benefits Event
- 中風傷殘津貼保障
- $12,000 per month, max 24 months per Accident
- 恩恤身故賠償
- $40,000 - $80,000
- 意外身故賠償
- $40,000 - $80,000
- 妊娠併發症之身故賠償
- —
Plan 13 / 14
至．衛一醫療計劃 - 特等
vTheOne Medical Plan - Superior
High-endVer. Jun 2, 2025
- VHIS cert no.
- F00067-13-000-02F00067-14-000-02F00067-15-000-02F00067-16-000-02F00067-17-000-02F00067-18-000-02
- Plan Type
- Flexi
- Coverage region
- Worldwide (excluding United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$22,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$2,000,000／per policy year
- Deductible Options
- $0 / $25K / $40K / $80K / $120K / $250K
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 of Eligible Expenses regardless of surgical category
- 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 of Eligible Expenses • All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day) • 1 outpatient visit or Emergency consultation more than 31 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)
- (l) 精神科治療
- Confined in Hospital in Hong Kong: Full reimbursement of Eligible Expenses; Confined in a hospital on the designated Mainland China hospital list: $40,000 per Policy YearIn designated Mainland China hospitals: per policy year HK$40,000
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- $275,000 - $550,000
- 指定重建手術保障
- $200,000
- 中風復康治療
- $1,200 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $120,000 per Accident
- 中風家居設備提升
- $100,000
- 復康保障
- $120,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- $120,000
- 器官移植的捐贈者保障
- 30% of the total transplant cost (applicable to heart, kidney, liver, lung or bone marrow transplant)
- 懷孕併發症
- Full reimbursement
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 72 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 60 days per Policy Year, limited to services provided by 1 registered nurse per day
- 善終服務
- $120,000
- 家中看護
- Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year, limited to services provided by 1 registered nurse per day (within 196 days after discharge from Hospital following surgery or Intensive Care Unit stay)
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day
- 訂明非手術癌症治療 (額外)
- $2,000,000(shared)
- 腎臟透析 (額外)
- $2,000,000(shared)
- 器官或骨髓移植 (額外)
- $2,000,000(shared)
Cash Benefits Cash
- 第二索償現金津貼
- $600 - $1,100
- 次級病房級別現金惠益
- $1,000 - $1,800
- 日間手術現金惠益
- $1,800 - $3,600 per surgery
- 大型手術現金
- $2,000 - $10,000
- 於香港入住深切治療部的現金保障
- $4,000 - $20,000
Event Benefits Event
- 中風傷殘津貼保障
- $12,000 per month, max 24 months per Accident
- 恩恤身故賠償
- $40,000 - $80,000
- 意外身故賠償
- $40,000 - $80,000
- 妊娠併發症之身故賠償
- —
Plan 14 / 14
至．衛一醫療計劃 - 優等
vTheOne Medical Plan - Premier
High-endVer. Jun 2, 2025
- VHIS cert no.
- F00067-19-000-02F00067-20-000-02F00067-21-000-02F00067-22-000-02F00067-23-000-02F00067-24-000-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$26,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$2,500,000／per policy year
- Deductible Options
- $0 / $25K / $40K / $80K / $120K / $250K
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 of Eligible Expenses regardless of surgical category
- 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 of Eligible Expenses • All outpatient visits or Emergency consultations within 31 days before Confinement/Day Case Procedure (up to 1 per day) • 1 outpatient visit(s) or Emergency consultation(s) more than 31 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure (up to 1 per day)
- (l) 精神科治療
- Confined in Hospital in Hong Kong: Full reimbursement of Eligible Expenses; Confined in a hospital on the designated Mainland China hospital list: $40,000 per Policy YearIn designated Mainland China hospitals: per policy year HK$40,000
Extra Benefits Extra
- 第三期臨床試驗藥物賠償
- $300,000 - $600,000
- 指定重建手術保障
- $200,000
- 中風復康治療
- $1,200 per visit, max 30 visits per Policy Year (max 1 per day), aggregate max $120,000 per Accident
- 中風家居設備提升
- $100,000
- 復康保障
- $120,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- $120,000
- 器官移植的捐贈者保障
- 30% of the total transplant cost (applicable to heart, kidney, liver, lung or bone marrow transplant)
- 懷孕併發症
- Full reimbursement
- 意外牙科治療
- Full reimbursement of Eligible Expenses within 3 months of the Accident
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 72 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses, maximum 90 days per Policy Year, limited to services provided by 1 registered nurse(s) per day
- 善終服務
- $120,000
- 家中看護
- Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year, limited to services provided by 1 registered nurse per day (within the post-discharge window after surgery or Intensive Care Unit stay)
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit, up to 15 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, limited to 1 follow-up visit per day
- 訂明非手術癌症治療 (額外)
- $2,500,000(shared)
- 腎臟透析 (額外)
- $2,500,000(shared)
- 器官或骨髓移植 (額外)
- $2,500,000(shared)
Cash Benefits Cash
- 第二索償現金津貼
- $600 - $1,100
- 次級病房級別現金惠益
- $1,000 - $1,800
- 日間手術現金惠益
- $1,800 - $3,600 per surgery
- 大型手術現金
- $3,000 - $15,000
- 於香港入住深切治療部的現金保障
- $6,000 - $30,000
Event Benefits Event
- 中風傷殘津貼保障
- $12,000 per month, max 24 months per Accident
- 恩恤身故賠償
- $40,000 - $80,000
- 意外身故賠償
- $40,000 - $80,000
- 妊娠併發症之身故賠償
- —