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Hong Kong Life Insurance Limited — same-insurer plan comparison
Hong Kong Life Insurance Limited · 7 plan series (7 variants, sorted from basic to comprehensive)
Highlights
VHIS cert no.
S00037-01-000-02Benefits PDFPremiums PDF
F00039-01-000-02Benefits PDFPremiums PDF
F00039-01-001-02Benefits PDFPremiums PDF
F00039-02-000-02Benefits PDFPremiums PDF
F00039-02-001-02Benefits PDFPremiums PDF
F00039-03-000-02Benefits PDFPremiums PDF
F00039-03-001-02Benefits PDFPremiums PDF
Plan type
Standard
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Coverage region
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Ward
N/A (capped)
Ward
Ward
Semi-Private Room
Semi-Private Room
Standard Private Room
Standard Private Room
Lifetime limit
—
—
—
—
—
—
—
Annual limit
Per illness
—
—
—
—
—
—
—
SMM top-up
—
—
—
—
No-Claim Bonus
—
10% × 2 yrs
12% × 3 yrs+
10% × 2 yrs
12% × 3 yrs+
10% × 2 yrs
12% × 3 yrs+
10% × 2 yrs
12% × 3 yrs+
10% × 2 yrs
12% × 3 yrs+
10% × 2 yrs
12% × 3 yrs+
Deductible
—
—
—
—
—
—
—
Version
Sep 29, 2025
Sep 29, 2025
Sep 29, 2025
Sep 29, 2025
Sep 29, 2025
Sep 29, 2025
Sep 29, 2025
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
$750 per day, maximum 180 days per Policy Year
$750 per day, maximum 180 days per Policy Year
$2,000 per day, maximum 180 days per Policy Year
$2,000 per day, maximum 180 days per Policy Year
$4,000 per day, maximum 180 days per Policy Year
$4,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
$14,000 per Policy Year
$14,000 per Policy Year
$14,000 per Policy Year
$22,000 per Policy Year
$22,000 per Policy Year
$35,000 per Policy Year
$35,000 per Policy Year
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
$750 per day, maximum 180 days per Policy Year
$750 per day, maximum 180 days per Policy Year
$2,000 per day, maximum 180 days per Policy Year
$2,000 per day, maximum 180 days per Policy Year
$4,000 per day, maximum 180 days per Policy Year
$4,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee
$4,300 per Policy Year
$4,300 per Policy Year
$4,300 per Policy Year
$6,000 per Policy Year
$6,000 per Policy Year
$12,000 per Policy Year
$12,000 per Policy Year
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
$3,500 per day, maximum 40 days per Policy Year
$3,500 per day, maximum 40 days per Policy Year
$6,000 per day, maximum 40 days per Policy Year
$6,000 per day, maximum 40 days per Policy Year
$10,000 per day, maximum 40 days per Policy Year
$10,000 per day, maximum 40 days per Policy Year
Surgeon's fee — Minor
$5,000
$5,000
$5,000
$8,000
$8,000
$12,000
$12,000
Surgeon's fee — Intermediate
$12,500
$12,500
$12,500
$20,000
$20,000
$30,000
$30,000
Surgeon's fee — Major
$25,000
$25,000
$25,000
$40,000
$40,000
$60,000
$60,000
Surgeon's fee — Complex
$50,000
$50,000
$50,000
$80,000
$80,000
$120,000
$120,000
(g) Anaesthetist's fee
35% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
(h) Operating theatre charges
35% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
40% of Surgeon's fee payable
(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. Subject to 30% Coinsurance.
$30,000 per Policy Year. Subject to 30% Coinsurance.
$30,000 per Policy Year. Subject to 30% Coinsurance.
$50,000 per Policy Year. Subject to 30% Coinsurance.
$50,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
$80,000 per Policy Year
$80,000 per Policy Year
$120,000 per Policy Year
$120,000 per Policy Year
$160,000 per Policy Year
$160,000 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
$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, $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
$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
$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
$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
$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) Psychiatric treatments
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$35,000 per Policy Year
$35,000 per Policy Year
$40,000 per Policy Year
$40,000 per Policy Year
Extra Benefits Extra
Accident-related
Emergency outpatient treatment for Accident
—
$5,000 per Policy Year within 24 hours of the Accident
$5,000 per Policy Year within 24 hours of the Accident
$10,000 per Policy Year within 24 hours of the Accident
$10,000 per Policy Year within 24 hours of the Accident
$15,000 per Policy Year within 24 hours of the Accident
$15,000 per Policy Year within 24 hours of the Accident
Inpatient-related
Complications of pregnancy
—
Subject to the linked benefit items' reimbursement limits
Subject to the linked benefit items' reimbursement limits
Subject to the linked benefit items' reimbursement limits
Subject to the linked benefit items' reimbursement limits
Subject to the linked benefit items' reimbursement limits
Subject to the linked benefit items' reimbursement limits
Outpatient-related
Cancer / cardiac / stroke rehabilitation benefit
—
$20,000 per Policy Year, maximum 60 days per Policy Year• Within 30 days after discharge from Hospital• Unlimited visits per day
$20,000 per Policy Year, maximum 60 days per Policy Year• Within 30 days after discharge from Hospital• Unlimited visits per day
$20,000 per Policy Year, maximum 60 days per Policy Year• Within the post-discharge window• Unlimited visits per day
$20,000 per Policy Year, maximum 60 days per Policy Year• Within the post-discharge window• Unlimited visits per day
$20,000 per Policy Year, maximum 60 days per Policy Year• Within the post-discharge window• Unlimited visits per day
$20,000 per Policy Year, maximum 60 days per Policy Year• Within the post-discharge window• Unlimited visits per day
Outpatient kidney dialysis
—
$60,000 per Policy Year
$60,000 per Policy Year
$100,000 per Policy Year
$100,000 per Policy Year
$150,000 per Policy Year
$150,000 per Policy Year
Daily post-surgery home nursing benefit
—
$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
$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
$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
$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
$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
$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
Chinese Medicine Practitioner outpatient care
—
$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
$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
$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
$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
$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
$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
Cash Benefits Cash
Hospital companion bed cash benefit
—
$350 per day, maximum 90 days per Policy Year
$350 per day, maximum 90 days per Policy Year
$500 per day, maximum 90 days per Policy Year
$500 per day, maximum 90 days per Policy Year
$750 per day, maximum 90 days per Policy Year
$750 per day, maximum 90 days per Policy Year
Day surgery cash benefit
—
$400 per surgery
$400 per surgery
$800 per surgery
$800 per surgery
$1,600 per surgery
$1,600 per surgery
Event Benefits Event
Compassionate death benefit
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
Accidental Death benefit
—
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
Medical accident and incident extension benefit
—
$75,000
$75,000
$150,000
$150,000
$300,000
$300,000
VHIS cert no.
S00037-01-000-02Benefits PDFPremiums PDF
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
—
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
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 outpatient treatment for Accident
—
Inpatient-related
Complications of pregnancy
—
Outpatient-related
Cancer / cardiac / stroke rehabilitation benefit
—
Outpatient kidney dialysis
—
Daily post-surgery home nursing benefit
—
Chinese Medicine Practitioner outpatient care
—
Cash Benefits Cash
Hospital companion bed cash benefit
—
Day surgery cash benefit
—
Event Benefits Event
Compassionate death benefit
$10,000
Accidental Death benefit
—
Medical accident and incident extension benefit
—
Plan 1 / 7
「摯健樂」醫療計劃 – 基本
Health Essential Medical Plan - Standard
Entry-level PickVer. Sep 29, 2025
- VHIS cert no.
- S00037-01-000-02
- 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
- 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
- 復康保障
- —
- 門診洗腎
- —
- 懷孕併發症
- —
- 意外急症門診治療費用賠償
- —
- 家中看護
- —
- 出院後 / 日間手術後的中醫門診治療
- —
Cash Benefits Cash
- 住院陪床
- —
- 日間手術現金惠益
- —
Event Benefits Event
- 恩恤身故賠償
- $10,000
- 意外身故賠償
- —
- 醫療意外事故保障
- —
Plan 2 / 7
「倍健樂」醫療計劃 - 計劃 I
Health Supreme Medical Plan - Plan I
Step UpVer. Sep 29, 2025
- VHIS cert no.
- F00039-01-000-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$550,000
- 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 40 days per Policy Year
- 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
- 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
Extra Benefits Extra
- 復康保障
- $20,000 per Policy Year, maximum 60 days per Policy Year• Within 30 days after discharge from Hospital• Unlimited visits per day
- 門診洗腎
- $60,000 per Policy Year
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外急症門診治療費用賠償
- $5,000 per Policy Year within 24 hours of the Accident
- 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
- 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
Cash Benefits Cash
- 住院陪床
- $350
- 日間手術現金惠益
- $400
Event Benefits 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
Plan 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
Step UpVer. Sep 29, 2025
- VHIS cert no.
- F00039-01-001-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$550,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- Full coverage
- 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 40 days per Policy Year
- 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
- 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
Extra Benefits Extra
- 復康保障
- $20,000 per Policy Year, maximum 60 days per Policy Year• Within 30 days after discharge from Hospital• Unlimited visits per day
- 門診洗腎
- $60,000 per Policy Year
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外急症門診治療費用賠償
- $5,000 per Policy Year within 24 hours of the Accident
- 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
- 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
Cash Benefits Cash
- 住院陪床
- $350
- 日間手術現金惠益
- $400
Event Benefits 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
Plan 4 / 7
「倍健樂」醫療計劃 - 計劃 II
Health Supreme Medical Plan - Plan II
Step UpVer. Sep 29, 2025
- VHIS cert no.
- F00039-02-000-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$850,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $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
- 外科醫生費 — 小型
- $8,000
- 外科醫生費 — 中型
- $20,000
- 外科醫生費 — 大型
- $40,000
- 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
Extra Benefits Extra
- 復康保障
- $20,000 per Policy Year, maximum 60 days per Policy Year• Within the post-discharge window• Unlimited visits per day
- 門診洗腎
- $100,000 per Policy Year
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外急症門診治療費用賠償
- $10,000 per Policy Year within 24 hours of the Accident
- 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
- 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
Cash Benefits Cash
- 住院陪床
- $500
- 日間手術現金惠益
- $800
Event Benefits 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
Plan 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
Step UpVer. Sep 29, 2025
- VHIS cert no.
- F00039-02-001-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$850,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- Full coverage
- Deductible Options
- —
Basic Benefits 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
- 外科醫生費 — 小型
- $8,000
- 外科醫生費 — 中型
- $20,000
- 外科醫生費 — 大型
- $40,000
- 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
Extra Benefits Extra
- 復康保障
- $20,000 per Policy Year, maximum 60 days per Policy Year• Within the post-discharge window• Unlimited visits per day
- 門診洗腎
- $100,000 per Policy Year
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外急症門診治療費用賠償
- $10,000 per Policy Year within 24 hours of the Accident
- 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
- 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
Cash Benefits Cash
- 住院陪床
- $500
- 日間手術現金惠益
- $800
Event Benefits 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
Plan 6 / 7
「倍健樂」醫療計劃 - 計劃 III
Health Supreme Medical Plan - Plan III
Step UpVer. Sep 29, 2025
- VHIS cert no.
- F00039-03-000-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$1,200,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- $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
- 外科醫生費 — 小型
- $12,000
- 外科醫生費 — 中型
- $30,000
- 外科醫生費 — 大型
- $60,000
- 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
Extra Benefits Extra
- 復康保障
- $20,000 per Policy Year, maximum 60 days per Policy Year• Within the post-discharge window• Unlimited visits per day
- 門診洗腎
- $150,000 per Policy Year
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外急症門診治療費用賠償
- $15,000 per Policy Year within 24 hours of the Accident
- 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
- 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
Cash Benefits Cash
- 住院陪床
- $750
- 日間手術現金惠益
- $1,600
Event Benefits 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
Plan 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
Step UpVer. Sep 29, 2025
- VHIS cert no.
- F00039-03-001-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$1,200,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- Full coverage
- Deductible Options
- —
Basic Benefits 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
- 外科醫生費 — 小型
- $12,000
- 外科醫生費 — 中型
- $30,000
- 外科醫生費 — 大型
- $60,000
- 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
Extra Benefits Extra
- 復康保障
- $20,000 per Policy Year, maximum 60 days per Policy Year• Within the post-discharge window• Unlimited visits per day
- 門診洗腎
- $150,000 per Policy Year
- 懷孕併發症
- Subject to the linked benefit items' reimbursement limits
- 意外急症門診治療費用賠償
- $15,000 per Policy Year within 24 hours of the Accident
- 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
- 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
Cash Benefits Cash
- 住院陪床
- $750
- 日間手術現金惠益
- $1,600
Event Benefits 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