ByCompany

Hong Kong Life Insurance Limited — same-insurer plan comparison

Hong Kong Life Insurance Limited · 7 plan series (7 variants, HKD/USD merged, sorted from basic to comprehensive)

Per-plan benefit prose falls back to Traditional Chinese where the source PDF was not translated.

7/7

Health Essential Medical Plan - Standard

「摯健樂」醫療計劃 – 基本

Ver. Sep 29, 2025

Score59/100

StandardCat 1Ward: N/ARegion: Worldwide

VHIS Cert. No.: S00037-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Health Supreme Medical Plan - Plan I

「倍健樂」醫療計劃 - 計劃 I

Ver. Sep 29, 2025

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00039-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$550,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Health Supreme Medical Plan - Plan I with SMM

「倍健樂」醫療計劃 - 計劃 I+額外醫療保障

Ver. Sep 29, 2025

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00039-01-001-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$550,000
Per-illness limit: —
SMM Supplemental Major Medical: 0% co-insurance

Health Supreme Medical Plan - Plan II

「倍健樂」醫療計劃 - 計劃 II

Ver. Sep 29, 2025

Score77/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00039-02-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$850,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Health Supreme Medical Plan - Plan II with SMM

「倍健樂」醫療計劃 - 計劃 II+額外醫療保障

Ver. Sep 29, 2025

Score77/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00039-02-001-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$850,000
Per-illness limit: —
SMM Supplemental Major Medical: 0% co-insurance

Health Supreme Medical Plan - Plan III

「倍健樂」醫療計劃 - 計劃 III

Ver. Sep 29, 2025

Score91/100

FlexiCat 1Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00039-03-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$1,200,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Health Supreme Medical Plan - Plan III with SMM

「倍健樂」醫療計劃 - 計劃 III+額外醫療保障

Ver. Sep 29, 2025

Score91/100

FlexiCat 1Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00039-03-001-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$1,200,000
Per-illness limit: —
SMM Supplemental Major Medical: 0% co-insurance

計劃名稱

Health Essential Medical Plan - Standard

「摯健樂」醫療計劃 – 基本

Cat 1

Ver. Sep 29, 2025

VHIS Cert. No.

S00037-01-000-02Benefits PDFPremiums PDF

Coverage Score

59/100

Plan Type

Standard

Coverage region

Worldwide

Ward class

N/A (capped)

Lifetime benefit limit

—

Annual benefit limit

HK$420,000

Per-illness benefit limit

—

SMM Supplemental Major Medical

—

Deductible Options

—

Basic Benefits Basic

(a) Room and board

$750 per day, maximum 180 days per Policy Year

(b) Miscellaneous charges

$14,000 per Policy Year

$750 per day, maximum 180 days per Policy Year

(d) Specialist's fee

$4,300 per Policy Year

(e) Intensive care

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

(f) Surgeon's fee — Minor

$5,000

(f) Surgeon's fee — Intermediate

$12,500

(f) Surgeon's fee — Major

$25,000

(f) Surgeon's fee — Complex

$50,000

(g) Anaesthetist's fee

35% of Surgeon's fee payable

(h) Operating theatre charges

35% of Surgeon's fee payable

(i) Prescribed Diagnostic Imaging Tests

$20,000 per Policy Year. Subject to 30% Coinsurance.

(j) Prescribed Non-surgical Cancer Treatments

$80,000 per Policy Year

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

$580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

(l) Psychiatric treatments

$30,000 per Policy Year

Extra Benefits Extra

Outpatient kidney dialysis

—

Cancer / cardiac / stroke rehabilitation benefit

—

Chinese Medicine Practitioner outpatient care

—

Complications of pregnancy

—

Daily post-surgery home nursing benefit

—

Emergency outpatient treatment for Accident

—

Cash Benefits Cash

Hospital companion bed cash benefit

—

Day surgery cash benefit

—

Event Benefits Event

Compassionate death benefit

$8,800

Accidental Death benefit

—

Medical accident and incident extension benefit

—

計劃 1 / 7

「摯健樂」醫療計劃 – 基本

Health Essential Medical Plan - Standard

標準Cat 1Ver. Sep 29, 2025保障評分 59/100

VHIS 認可編號: S00037-01-000-02
計劃類別: 標準
保障地域範圍: 全球 Worldwide
病房級別: 不適用（受賠償上限規限）
每年賠償限額: HK$420,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $750 per day, maximum 180 days per Policy Year
(b) 雜項開支: $14,000 per Policy Year
(c) 主診醫生巡房費: $750 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $3,500 per day, maximum 25 days per Policy Year
(f) 外科醫生費 — 小型: $5,000
(f) 外科醫生費 — 中型: $12,500
(f) 外科醫生費 — 大型: $25,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

門診洗腎: —
復康保障: —
出院後 / 日間手術後的中醫門診治療: —
懷孕併發症: —
家中看護: —
意外急症門診治療費用賠償: —

現金保障 Cash

住院陪床: —
日間手術現金惠益: —

事件保障 Event

恩恤身故賠償: $8,800
意外身故賠償: —
醫療意外事故保障: —

計劃 2 / 7

「倍健樂」醫療計劃 - 計劃 I

Health Supreme Medical Plan - Plan I

靈活Cat 1Ver. Sep 29, 2025保障評分 65/100

VHIS 認可編號: F00039-01-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: HK$550,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $750 per day, maximum 180 days per Policy Year
(b) 雜項開支: $14,000 per Policy Year
(c) 主診醫生巡房費: $750 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $3,500 per day, maximum 40 days per Policy Year
(f) 外科醫生費 — 小型: $5,000
(f) 外科醫生費 — 中型: $12,500
(f) 外科醫生費 — 大型: $25,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 40% of Surgeon's fee payable
(h) 手術室費: 40% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

門診洗腎: $60,000 per Policy Year
復康保障: $20,000 per Policy Year, maximum 60 days per Policy YearWithin 30 days after discharge from HospitalUnlimited visits per day
出院後 / 日間手術後的中醫門診治療: $300 per visit, maximum 10 visits per Policy Year (1 per day) • Within 30 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments
懷孕併發症: Payable up to the relevant benefit limits under basic benefit items (a) – (i), (k) and additional benefit items (c) and (f)
家中看護: $620 per visit, maximum 15 visits per Policy Year (1 per day) • Within 30 days after discharge from Hospital or completion of Day Case Procedure
意外急症門診治療費用賠償: $5,000 per Policy Year

現金保障 Cash

住院陪床: $350
日間手術現金惠益: $400

事件保障 Event

恩恤身故賠償: $10,000
意外身故賠償: $10,000
醫療意外事故保障: $75,000

計劃 3 / 7

「倍健樂」醫療計劃 - 計劃 I+額外醫療保障

Health Supreme Medical Plan - Plan I with SMM

靈活Cat 1Ver. Sep 29, 2025保障評分 65/100

VHIS 認可編號: F00039-01-001-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: HK$550,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: 0% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $750 per day, maximum 180 days per Policy Year
(b) 雜項開支: $14,000 per Policy Year
(c) 主診醫生巡房費: $750 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $3,500 per day, maximum 40 days per Policy Year
(f) 外科醫生費 — 小型: $5,000
(f) 外科醫生費 — 中型: $12,500
(f) 外科醫生費 — 大型: $25,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 40% of Surgeon's fee payable
(h) 手術室費: 40% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

門診洗腎: $60,000 per Policy Year
復康保障: $20,000 per Policy Year, maximum 60 days per Policy YearWithin 30 days after discharge from HospitalUnlimited visits per day
出院後 / 日間手術後的中醫門診治療: $300 per visit, maximum 10 visits per Policy Year (1 per day) • Within 30 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments
懷孕併發症: Payable up to the relevant benefit limits under basic benefit items (a) – (i), (k) and additional benefit items (c) and (f)
家中看護: $620 per visit, maximum 15 visits per Policy Year (1 per day) • Within 30 days after discharge from Hospital or completion of Day Case Procedure
意外急症門診治療費用賠償: $5,000 per Policy Year

現金保障 Cash

住院陪床: $350
日間手術現金惠益: $400

事件保障 Event

恩恤身故賠償: $10,000
意外身故賠償: $10,000
醫療意外事故保障: $75,000

計劃 4 / 7

「倍健樂」醫療計劃 - 計劃 II

Health Supreme Medical Plan - Plan II

靈活Cat 1Ver. Sep 29, 2025保障評分 77/100

VHIS 認可編號: F00039-02-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$850,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $2,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: $22,000 per Policy Year
(c) 主診醫生巡房費: $2,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $6,000 per Policy Year
(e) 深切治療: $6,000 per day, maximum 40 days per Policy Year
(f) 外科醫生費 — 小型: $8,000
(f) 外科醫生費 — 中型: $20,000
(f) 外科醫生費 — 大型: $40,000
(f) 外科醫生費 — 複雜: $80,000
(g) 麻醉科醫生費: 40% of Surgeon's fee payable
(h) 手術室費: 40% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $30,000 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: $800, per visit, $4,000 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: $35,000 per Policy Year

額外保障 Extra

門診洗腎: $100,000 per Policy Year
復康保障: $20,000 per Policy Year, maximum 60 days per Policy YearWithin the post-discharge windowUnlimited visits per day
出院後 / 日間手術後的中醫門診治療: $500 per visit, maximum 15 visits per Policy Year (1 per day) • Within 30 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments
懷孕併發症: Payable up to the relevant benefit limits under basic benefit items (a) – (i), (k) and additional benefit items (c) and (f)
家中看護: $920 per visit, maximum 15 visits per Policy Year (1 per day) • Within 30 days after discharge from Hospital or completion of Day Case Procedure
意外急症門診治療費用賠償: $10,000 per Policy Year

現金保障 Cash

住院陪床: $500
日間手術現金惠益: $800

事件保障 Event

恩恤身故賠償: $10,000
意外身故賠償: $10,000
醫療意外事故保障: $150,000

計劃 5 / 7

「倍健樂」醫療計劃 - 計劃 II+額外醫療保障

Health Supreme Medical Plan - Plan II with SMM

靈活Cat 1Ver. Sep 29, 2025保障評分 77/100

VHIS 認可編號: F00039-02-001-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$850,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: 0% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $2,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: $22,000 per Policy Year
(c) 主診醫生巡房費: $2,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $6,000 per Policy Year
(e) 深切治療: $6,000 per day, maximum 40 days per Policy Year
(f) 外科醫生費 — 小型: $8,000
(f) 外科醫生費 — 中型: $20,000
(f) 外科醫生費 — 大型: $40,000
(f) 外科醫生費 — 複雜: $80,000
(g) 麻醉科醫生費: 40% of Surgeon's fee payable
(h) 手術室費: 40% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $30,000 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: $800, per visit, $4,000 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: $35,000 per Policy Year

額外保障 Extra

門診洗腎: $100,000 per Policy Year
復康保障: $20,000 per Policy Year, maximum 60 days per Policy YearWithin the post-discharge windowUnlimited visits per day
出院後 / 日間手術後的中醫門診治療: $500 per visit, maximum 15 visits per Policy Year (1 per day) • Within 30 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments
懷孕併發症: Payable up to the relevant benefit limits under basic benefit items (a) – (i), (k) and additional benefit items (c) and (f)
家中看護: $920 per visit, maximum 15 visits per Policy Year (1 per day) • Within 30 days after discharge from Hospital or completion of Day Case Procedure
意外急症門診治療費用賠償: $10,000 per Policy Year

現金保障 Cash

住院陪床: $500
日間手術現金惠益: $800

事件保障 Event

恩恤身故賠償: $10,000
意外身故賠償: $10,000
醫療意外事故保障: $150,000

計劃 6 / 7

「倍健樂」醫療計劃 - 計劃 III

Health Supreme Medical Plan - Plan III

靈活Cat 1Ver. Sep 29, 2025保障評分 91/100

VHIS 認可編號: F00039-03-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 私家病房 Private
每年賠償限額: HK$1,200,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $4,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: $35,000 per Policy Year
(c) 主診醫生巡房費: $4,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $12,000 per Policy Year
(e) 深切治療: $10,000 per day, maximum 40 days per Policy Year
(f) 外科醫生費 — 小型: $12,000
(f) 外科醫生費 — 中型: $30,000
(f) 外科醫生費 — 大型: $60,000
(f) 外科醫生費 — 複雜: $120,000
(g) 麻醉科醫生費: 40% of Surgeon's fee payable
(h) 手術室費: 40% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $50,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $160,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $1,200, per visit, $6,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $40,000 per Policy Year

額外保障 Extra

門診洗腎: $150,000 per Policy Year
復康保障: $20,000 per Policy Year, maximum 60 days per Policy YearWithin the post-discharge windowUnlimited visits per day
出院後 / 日間手術後的中醫門診治療: $1,000 per visit, maximum 15 visits per Policy Year (1 per day) • Within 30 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments
懷孕併發症: Payable up to the relevant benefit limits under basic benefit items (a) – (i), (k) and additional benefit items (c) and (f)
家中看護: $1,520 per visit, maximum 15 visits per Policy Year (1 per day) • Within 30 days after discharge from Hospital or completion of Day Case Procedure
意外急症門診治療費用賠償: $15,000 per Policy Year

現金保障 Cash

住院陪床: $750
日間手術現金惠益: $1,600

事件保障 Event

恩恤身故賠償: $10,000
意外身故賠償: $10,000
醫療意外事故保障: $300,000

計劃 7 / 7

「倍健樂」醫療計劃 - 計劃 III+額外醫療保障

Health Supreme Medical Plan - Plan III with SMM

靈活Cat 1Ver. Sep 29, 2025保障評分 91/100

VHIS 認可編號: F00039-03-001-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 私家病房 Private
每年賠償限額: HK$1,200,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: 0% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $4,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: $35,000 per Policy Year
(c) 主診醫生巡房費: $4,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $12,000 per Policy Year
(e) 深切治療: $10,000 per day, maximum 40 days per Policy Year
(f) 外科醫生費 — 小型: $12,000
(f) 外科醫生費 — 中型: $30,000
(f) 外科醫生費 — 大型: $60,000
(f) 外科醫生費 — 複雜: $120,000
(g) 麻醉科醫生費: 40% of Surgeon's fee payable
(h) 手術室費: 40% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $50,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $160,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $1,200, per visit, $6,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $40,000 per Policy Year

額外保障 Extra

門診洗腎: $150,000 per Policy Year
復康保障: $20,000 per Policy Year, maximum 60 days per Policy YearWithin the post-discharge windowUnlimited visits per day
出院後 / 日間手術後的中醫門診治療: $1,000 per visit, maximum 15 visits per Policy Year (1 per day) • Within 30 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments
懷孕併發症: Payable up to the relevant benefit limits under basic benefit items (a) – (i), (k) and additional benefit items (c) and (f)
家中看護: $1,520 per visit, maximum 15 visits per Policy Year (1 per day) • Within 30 days after discharge from Hospital or completion of Day Case Procedure
意外急症門診治療費用賠償: $15,000 per Policy Year

現金保障 Cash

住院陪床: $750
日間手術現金惠益: $1,600

事件保障 Event

恩恤身故賠償: $10,000
意外身故賠償: $10,000
醫療意外事故保障: $300,000