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Hong Kong Life — same-insurer plan comparison
Hong Kong Life Insurance Limited · 7 plan series · 7 variants
Hong Kong Life Insurance Limited offers 7 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 6 Flexi), covering Worldwide (including United States), across Ward, Semi-Private Room, Standard Private Room and No ward-class restriction (item limits apply) ward classes. Premiums, coverage items, deductible tiers and annual limits are compared side-by-side below.
Data version: Sep 29, 2025
「摯健樂」醫療計劃 – 基本
- VHIS cert no.
- S00037-01-000-02
- Plan Type
- Standard
- Main coverage region
- Worldwide (including United States)
- Ward class
- No ward-class restriction (item limits apply)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$750 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$14,000 per Policy Year
- (c) 主診醫生巡房費
- HK$750 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$4,300 per Policy Year
- (e) 深切治療
- HK$3,500 per day, maximum 25 days per Policy Year
- 外科醫生費 — 小型
- HK$5,000
- 外科醫生費 — 中型
- HK$12,500
- 外科醫生費 — 大型
- HK$25,000
- 外科醫生費 — 複雜
- HK$50,000
- (g) 麻醉科醫生費
- 35% of Surgeon's fee payable
- (h) 手術室費
- 35% of Surgeon's fee payable
- (i) 訂明診斷成像檢測
- HK$20,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$580 per visit, HK$3,000 per Policy Year Up to 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
- HK$30,000 per Policy Year
Extra Benefits
- 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
- 住院陪床
- —
- 日間手術現金惠益
- —
Event Benefits
- 恩恤身故賠償
- HK$10,000
- 意外身故賠償
- —
- 醫療意外事故保障
- —
$750 per day, maximum 180 days per Policy Year
$14,000 per Policy Year
$750 per day, maximum 180 days per Policy Year
$4,300 per Policy Year
$3,500 per day, maximum 25 days per Policy Year
$5,000
$12,500
$25,000
$50,000
$20,000 per Policy Year. Subject to 30% Coinsurance.
$80,000 per Policy Year
$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
$30,000 per Policy Year
$10,000
「倍健樂」醫療計劃 - 計劃 I
- VHIS cert no.
- F00039-01-000-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- HK$550,000
- Lifetime benefit limit
- Not listed
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$750 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$14,000 per Policy Year
- (c) 主診醫生巡房費
- HK$750 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$4,300 per Policy Year
- (e) 深切治療
- HK$3,500 per day, maximum 40 days per Policy Year
- 外科醫生費 — 小型
- HK$5,000
- 外科醫生費 — 中型
- HK$12,500
- 外科醫生費 — 大型
- HK$25,000
- 外科醫生費 — 複雜
- HK$50,000
- (g) 麻醉科醫生費
- 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
- HK$20,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$580 per visit, HK$3,000 per Policy Year Up to 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
- HK$30,000 per Policy Year
Extra Benefits
- 復康保障
- HK$20,000 per Policy Year, maximum 60 days per Policy YearWithin 30 days after discharge from Hospital
- 門診洗腎
- HK$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
- HK$5,000 per Policy Year within 24 hours of the Accident
- 家中看護
- HK$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
- HK$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
- 住院陪床
- $350
- 日間手術現金惠益
- $400
Event Benefits
- 恩恤身故賠償
- HK$10,000
- 意外身故賠償
- HK$10,000
- 醫療意外事故保障
- HK$75,000
$750 per day, maximum 180 days per Policy Year
$14,000 per Policy Year
$750 per day, maximum 180 days per Policy Year
$4,300 per Policy Year
$3,500 per day, maximum 40 days per Policy Year
$5,000
$12,500
$25,000
$50,000
$20,000 per Policy Year. Subject to 30% Coinsurance.
$80,000 per Policy Year
$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
$30,000 per Policy Year
$60,000 per Policy Year
$20,000 per Policy Year, maximum 60 days per Policy Year • Within 30 days after discharge from Hospital • Unlimited visits per day
$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
$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
$5,000 per Policy Year within 24 hours of the Accident
$10,000
$350 per day, maximum 90 days per Policy Year
$400 per surgery
$10,000
$75,000
「倍健樂」醫療計劃 - 計劃 I+額外醫療保障
- VHIS cert no.
- F00039-01-001-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- HK$550,000
- Lifetime benefit limit
- Not listed
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- HK$100,000 (Per policy year)
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$750 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$14,000 per Policy Year
- (c) 主診醫生巡房費
- HK$750 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$4,300 per Policy Year
- (e) 深切治療
- HK$3,500 per day, maximum 40 days per Policy Year
- 外科醫生費 — 小型
- HK$5,000
- 外科醫生費 — 中型
- HK$12,500
- 外科醫生費 — 大型
- HK$25,000
- 外科醫生費 — 複雜
- HK$50,000
- (g) 麻醉科醫生費
- 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
- HK$20,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$580 per visit, HK$3,000 per Policy Year Up to 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
- HK$30,000 per Policy Year
Extra Benefits
- 復康保障
- HK$20,000 per Policy Year, maximum 60 days per Policy YearWithin 30 days after discharge from Hospital
- 門診洗腎
- HK$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
- HK$5,000 per Policy Year within 24 hours of the Accident
- 家中看護
- HK$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
- HK$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
- 住院陪床
- $350
- 日間手術現金惠益
- $400
Event Benefits
- 恩恤身故賠償
- HK$10,000
- 意外身故賠償
- HK$10,000
- 醫療意外事故保障
- HK$75,000
HK$100,000／per policy year, 15% coinsurance
$750 per day, maximum 180 days per Policy Year
$14,000 per Policy Year
$750 per day, maximum 180 days per Policy Year
$4,300 per Policy Year
$3,500 per day, maximum 40 days per Policy Year
$5,000
$12,500
$25,000
$50,000
$20,000 per Policy Year. Subject to 30% Coinsurance.
$80,000 per Policy Year
$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
$30,000 per Policy Year
$60,000 per Policy Year
$20,000 per Policy Year, maximum 60 days per Policy Year • Within 30 days after discharge from Hospital • Unlimited visits per day
$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
$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
$5,000 per Policy Year within 24 hours of the Accident
$10,000
$350 per day, maximum 90 days per Policy Year
$400 per surgery
$10,000
$75,000
「倍健樂」醫療計劃 - 計劃 II
- VHIS cert no.
- F00039-02-000-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$850,000
- Lifetime benefit limit
- Not listed
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$2,000 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$22,000 per Policy Year
- (c) 主診醫生巡房費
- HK$2,000 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$6,000 per day, maximum 40 days per Policy Year
- 外科醫生費 — 小型
- HK$8,000
- 外科醫生費 — 中型
- HK$20,000
- 外科醫生費 — 大型
- HK$40,000
- 外科醫生費 — 複雜
- HK$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
- HK$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$120,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$800 per visit, HK$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
- HK$35,000 per Policy Year
Extra Benefits
- 復康保障
- HK$20,000 per Policy Year, maximum 60 days per Policy Year
- 門診洗腎
- HK$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
- HK$10,000 per Policy Year within 24 hours of the Accident
- 家中看護
- HK$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
- HK$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
- 住院陪床
- $500
- 日間手術現金惠益
- $800
Event Benefits
- 恩恤身故賠償
- HK$10,000
- 意外身故賠償
- HK$10,000
- 醫療意外事故保障
- HK$150,000
$2,000 per day, maximum 180 days per Policy Year
$22,000 per Policy Year
$2,000 per day, maximum 180 days per Policy Year
$6,000 per Policy Year
$6,000 per day, maximum 40 days per Policy Year
$8,000
$20,000
$40,000
$80,000
$30,000 per Policy Year. Subject to 30% Coinsurance.
$120,000 per Policy Year
$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
$35,000 per Policy Year
$100,000 per Policy Year
$20,000 per Policy Year, maximum 60 days per Policy Year • Within the post-discharge window • Unlimited visits per day
$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
$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
$10,000 per Policy Year within 24 hours of the Accident
$10,000
$500 per day, maximum 90 days per Policy Year
$800 per surgery
$10,000
$150,000
「倍健樂」醫療計劃 - 計劃 II+額外醫療保障
- VHIS cert no.
- F00039-02-001-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$850,000
- Lifetime benefit limit
- Not listed
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- HK$200,000 (Per policy year)
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$2,000 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$22,000 per Policy Year
- (c) 主診醫生巡房費
- HK$2,000 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$6,000 per day, maximum 40 days per Policy Year
- 外科醫生費 — 小型
- HK$8,000
- 外科醫生費 — 中型
- HK$20,000
- 外科醫生費 — 大型
- HK$40,000
- 外科醫生費 — 複雜
- HK$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
- HK$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$120,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$800 per visit, HK$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
- HK$35,000 per Policy Year
Extra Benefits
- 復康保障
- HK$20,000 per Policy Year, maximum 60 days per Policy Year
- 門診洗腎
- HK$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
- HK$10,000 per Policy Year within 24 hours of the Accident
- 家中看護
- HK$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
- HK$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
- 住院陪床
- $500
- 日間手術現金惠益
- $800
Event Benefits
- 恩恤身故賠償
- HK$10,000
- 意外身故賠償
- HK$10,000
- 醫療意外事故保障
- HK$150,000
HK$200,000／per policy year, 15% coinsurance
$2,000 per day, maximum 180 days per Policy Year
$22,000 per Policy Year
$2,000 per day, maximum 180 days per Policy Year
$6,000 per Policy Year
$6,000 per day, maximum 40 days per Policy Year
$8,000
$20,000
$40,000
$80,000
$30,000 per Policy Year. Subject to 30% Coinsurance.
$120,000 per Policy Year
$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
$35,000 per Policy Year
$100,000 per Policy Year
$20,000 per Policy Year, maximum 60 days per Policy Year • Within the post-discharge window • Unlimited visits per day
$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
$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
$10,000 per Policy Year within 24 hours of the Accident
$10,000
$500 per day, maximum 90 days per Policy Year
$800 per surgery
$10,000
$150,000
「倍健樂」醫療計劃 - 計劃 III
- VHIS cert no.
- F00039-03-000-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$1,200,000
- Lifetime benefit limit
- Not listed
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$4,000 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$35,000 per Policy Year
- (c) 主診醫生巡房費
- HK$4,000 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$12,000 per Policy Year
- (e) 深切治療
- HK$10,000 per day, maximum 40 days per Policy Year
- 外科醫生費 — 小型
- HK$12,000
- 外科醫生費 — 中型
- HK$30,000
- 外科醫生費 — 大型
- HK$60,000
- 外科醫生費 — 複雜
- HK$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
- HK$50,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$160,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$1,200 per visit, HK$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
- HK$40,000 per Policy Year
Extra Benefits
- 復康保障
- HK$20,000 per Policy Year, maximum 60 days per Policy Year
- 門診洗腎
- HK$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
- HK$15,000 per Policy Year within 24 hours of the Accident
- 家中看護
- HK$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
- HK$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
- 住院陪床
- $750
- 日間手術現金惠益
- $1,600
Event Benefits
- 恩恤身故賠償
- HK$10,000
- 意外身故賠償
- HK$10,000
- 醫療意外事故保障
- HK$300,000
$4,000 per day, maximum 180 days per Policy Year
$35,000 per Policy Year
$4,000 per day, maximum 180 days per Policy Year
$12,000 per Policy Year
$10,000 per day, maximum 40 days per Policy Year
$12,000
$30,000
$60,000
$120,000
$50,000 per Policy Year. Subject to 30% Coinsurance.
$160,000 per Policy Year
$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
$40,000 per Policy Year
$150,000 per Policy Year
$20,000 per Policy Year, maximum 60 days per Policy Year • Within the post-discharge window • Unlimited visits per day
$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
$1,520 per visit, maximum 15 visits per Policy Year (1 per day) • Within 30 days after discharge from Hospital or completion of Day Case Procedure
$15,000 per Policy Year within 24 hours of the Accident
$10,000
$750 per day, maximum 90 days per Policy Year
$1,600 per surgery
$10,000
$300,000
「倍健樂」醫療計劃 - 計劃 III+額外醫療保障
- VHIS cert no.
- F00039-03-001-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$1,200,000
- Lifetime benefit limit
- Not listed
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- HK$400,000 (Per policy year)
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$4,000 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$35,000 per Policy Year
- (c) 主診醫生巡房費
- HK$4,000 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$12,000 per Policy Year
- (e) 深切治療
- HK$10,000 per day, maximum 40 days per Policy Year
- 外科醫生費 — 小型
- HK$12,000
- 外科醫生費 — 中型
- HK$30,000
- 外科醫生費 — 大型
- HK$60,000
- 外科醫生費 — 複雜
- HK$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
- HK$50,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$160,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$1,200 per visit, HK$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
- HK$40,000 per Policy Year
Extra Benefits
- 復康保障
- HK$20,000 per Policy Year, maximum 60 days per Policy Year
- 門診洗腎
- HK$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
- HK$15,000 per Policy Year within 24 hours of the Accident
- 家中看護
- HK$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
- HK$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
- 住院陪床
- $750
- 日間手術現金惠益
- $1,600
Event Benefits
- 恩恤身故賠償
- HK$10,000
- 意外身故賠償
- HK$10,000
- 醫療意外事故保障
- HK$300,000
HK$400,000／per policy year, 15% coinsurance
$4,000 per day, maximum 180 days per Policy Year
$35,000 per Policy Year
$4,000 per day, maximum 180 days per Policy Year
$12,000 per Policy Year
$10,000 per day, maximum 40 days per Policy Year
$12,000
$30,000
$60,000
$120,000
$50,000 per Policy Year. Subject to 30% Coinsurance.
$160,000 per Policy Year
$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
$40,000 per Policy Year
$150,000 per Policy Year
$20,000 per Policy Year, maximum 60 days per Policy Year • Within the post-discharge window • Unlimited visits per day
$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
$1,520 per visit, maximum 15 visits per Policy Year (1 per day) • Within 30 days after discharge from Hospital or completion of Day Case Procedure
$15,000 per Policy Year within 24 hours of the Accident
$10,000
$750 per day, maximum 90 days per Policy Year
$1,600 per surgery
$10,000
$300,000
“No overall limit”: individual items still have limits. “—”: the item does not apply to that plan, or the benefit schedule does not list it separately (e.g. it is split by surgery category); this does not necessarily mean it is never paid. “Not listed”: we could not confirm it from the plan documents.