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HSBC Life (International) Limited — same-insurer plan comparison
HSBC Life (International) Limited · 13 plan series (43 variants, deductibles merged, sorted from basic to comprehensive)
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Highlights
VHIS cert no.
S00042-01-000-02Benefits PDFPremiums PDF
F00079-01-000-01Benefits PDFPremiums PDF
F00079-01-001-01Benefits PDFPremiums PDF
F00049-01-000-03Benefits PDFPremiums PDF
F00049-02-000-03Benefits PDFPremiums PDF
F00049-03-000-03Benefits PDFPremiums PDF
F00049-04-000-03Benefits PDFPremiums PDF
F00049-05-000-03Benefits PDFPremiums PDF
F00049-06-000-03Benefits PDFPremiums PDF
F00049-07-000-03Benefits PDFPremiums PDF
F00049-08-000-03Benefits PDFPremiums PDF
F00049-09-000-03Benefits PDFPremiums PDF
F00049-10-000-03Benefits PDFPremiums PDF
F00049-11-000-03Benefits PDFPremiums PDF
F00049-12-000-03Benefits PDFPremiums PDF
F00049-17-000-01Benefits PDFPremiums PDF
F00049-18-000-01Benefits PDFPremiums PDF
F00049-19-000-01Benefits PDFPremiums PDF
F00049-20-000-01Benefits PDFPremiums PDF
F00049-13-000-03Benefits PDFPremiums PDF
F00049-14-000-03Benefits PDFPremiums PDF
F00049-15-000-03Benefits PDFPremiums PDF
F00049-16-000-03Benefits PDFPremiums PDF
F00076-01-000-02Benefits PDFPremiums PDF
F00076-02-000-02Benefits PDFPremiums PDF
F00076-03-000-02Benefits PDFPremiums PDF
F00076-04-000-02Benefits PDFPremiums PDF
F00076-05-000-02Benefits PDFPremiums PDF
F00076-06-000-02Benefits PDFPremiums PDF
F00076-07-000-02Benefits PDFPremiums PDF
F00076-08-000-02Benefits PDFPremiums PDF
F00076-09-000-02Benefits PDFPremiums PDF
F00076-10-000-02Benefits PDFPremiums PDF
F00076-11-000-02Benefits PDFPremiums PDF
F00076-12-000-02Benefits PDFPremiums PDF
F00076-17-000-01Benefits PDFPremiums PDF
F00076-18-000-01Benefits PDFPremiums PDF
F00076-19-000-01Benefits PDFPremiums PDF
F00076-20-000-01Benefits PDFPremiums PDF
F00076-13-000-02Benefits PDFPremiums PDF
F00076-14-000-02Benefits PDFPremiums PDF
F00076-15-000-02Benefits PDFPremiums PDF
F00076-16-000-02Benefits PDFPremiums PDF
Plan type
Standard
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Coverage region
Worldwide
Worldwide
Worldwide
Greater China
Asia incl. AU/NZ
Asia incl. AU/NZ
Worldwide (excluding United States)
Worldwide
Greater China
Asia incl. AU/NZ
Asia incl. AU/NZ
Worldwide (excluding United States)
Worldwide
Ward
N/A (capped)
Ward
Ward
Ward
Semi-Private Room
Standard Private Room
Standard Private Room
Standard Private Room
Ward
Semi-Private Room
Standard Private Room
Standard Private Room
Standard Private Room
Lifetime limit
—
—
—
—
—
—
—
—
—
—
—
Annual limit
—
—
Per illness
—
—
—
—
—
—
—
—
—
—
—
—
—
SMM top-up
—
—
—
—
—
—
—
—
—
—
—
—
No-Claim Bonus
—
—
—
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
Deductible
—
—
—
Version
Mar 29, 2021
Jun 23, 2025
Jun 23, 2025
Apr 16, 2025
Apr 16, 2025
Apr 16, 2025
Apr 16, 2025
Apr 16, 2025
Sep 22, 2025
Sep 22, 2025
Sep 22, 2025
Sep 22, 2025
Sep 22, 2025
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
$1,000 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
(b) Miscellaneous charges
$14,000 per Policy Year
$14,000 per Policy Year
$14,000 per Policy Year
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
$1,000 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
(d) Specialist's fee
$4,300 per Policy Year
$4,300 per Policy Year
$4,300 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
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
$4,000 per day, maximum 90 days per Policy Year
$4,000 per day, maximum 90 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
(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
Surgeon's fee — Minor
$5,000
$5,000
$5,000
—
—
—
—
—
—
—
—
—
—
Surgeon's fee — Intermediate
$12,500
$12,500
$12,500
—
—
—
—
—
—
—
—
—
—
Surgeon's fee — Major
$25,000
$25,000
$25,000
—
—
—
—
—
—
—
—
—
—
Surgeon's fee — Complex
$50,000
$50,000
$50,000
—
—
—
—
—
—
—
—
—
—
(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
(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
(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.
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
$80,000 per Policy Year
$80,000 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
(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, up to $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 within 90 days after discharge from Hospital or completion of Day Case Procedure
$580 per visit, up to $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 within 90 days after discharge from Hospital or completion of Day Case Procedure
Full reimbursement of Eligible Expenses, for the consultations specified below:• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
Full reimbursement of Eligible Expenses, for the consultations specified below:• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
Full reimbursement of Eligible Expenses, for the consultations specified below:• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
Full reimbursement of Eligible Expenses, for the consultations specified below:• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
Full reimbursement of Eligible Expenses, for the consultations specified below:• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
Full reimbursement of Eligible Expenses, for the consultations specified below:• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
Full reimbursement of Eligible Expenses, for the consultations specified below:• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
Full reimbursement of Eligible Expenses, for the consultations specified below:• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
Full reimbursement of Eligible Expenses, for the consultations specified below:• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
Full reimbursement of Eligible Expenses, for the consultations specified below:• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
(l) Psychiatric treatments
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$50,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$30,000 per Policy Year
$50,000 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
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Inpatient-related
Medical implants / prosthetic devices
—
—
—
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
Specified items: Full reimbursement of Eligible Expenses; other items: $300,000 per Policy Year
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
Specified items: Full reimbursement of Eligible Expenses; other items: $300,000 per Policy Year
Organ transplant donor benefit
—
—
—
30% of the total organ transplant cost
30% of the total organ transplant cost
30% of the total organ transplant cost
30% of the total organ transplant cost
30% of the total organ transplant cost
30% of the total organ transplant cost
30% of the total organ transplant cost
30% of the total organ transplant cost
30% of the total organ transplant cost
30% of the total organ transplant cost
Hospital companion bed fee reimbursement
—
—
—
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 (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
Outpatient-related
Cancer / cardiac / stroke rehabilitation benefit
—
—
—
$80,000 per Policy Year, maximum 90 days per Policy Year
$80,000 per Policy Year, maximum 90 days per Policy Year
$80,000 per Policy Year, maximum 90 days per Policy Year
$80,000 per Policy Year, maximum 90 days per Policy Year
$80,000 per Policy Year, maximum 90 days per Policy Year
$80,000 per Policy Year, maximum 90 days per Policy Year
$80,000 per Policy Year, maximum 90 days per Policy Year
$80,000 per Policy Year, maximum 90 days per Policy Year
$80,000 per Policy Year, maximum 90 days per Policy Year
$80,000 per Policy Year, maximum 90 days per Policy Year
Outpatient kidney dialysis
—
$50,000 per Policy Year
$50,000 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
Health check-up benefit
—
—
—
—
—
$1,000 per Policy Year (from the second Policy Year onwards)
$1,000 per Policy Year (from the second Policy Year onwards)
$2,000 per Policy Year (from the second Policy Year onwards)
—
—
$1,000 per Policy Year (from the second Policy Year onwards)
$1,000 per Policy Year (from the second Policy Year onwards)
$2,000 per Policy Year (from the second Policy Year onwards)
Hospice and palliative care benefit
—
—
—
—
—
—
—
$80,000 per Policy Year, maximum 30 days per Policy Year
—
—
—
—
$80,000 per Policy Year, maximum 30 days per Policy Year
Daily post-surgery home nursing benefit
—
—
—
Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
Chinese Medicine Practitioner outpatient care
—
—
—
—
—
—
—
$600 per visit, up to 1 follow-up outpatient visit per day, maximum 10 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
—
—
—
—
$600 per visit, up to 1 follow-up outpatient visit per day, maximum 10 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Post-Confinement / Day Case Procedure auxiliary therapy
—
—
—
$3,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure, payable only when benefit item (k) limit is exhausted, up to 1 per day)
$6,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure, payable only when benefit item (k) limit is exhausted, up to 1 per day)
$10,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure, payable only when benefit item (k) limit is exhausted, up to 1 per day)
$10,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure, payable only when benefit item (k) limit is exhausted, up to 1 per day)
$30,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure, payable only when benefit item (k) limit is exhausted, up to 1 per day)
$3,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure, payable only when benefit item (k) limit is exhausted, up to 1 per day)
$6,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure, payable only when benefit item (k) limit is exhausted, up to 1 per day)
$10,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure, payable only when benefit item (k) limit is exhausted, up to 1 per day)
$10,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure, payable only when benefit item (k) limit is exhausted, up to 1 per day)
$30,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure, payable only when benefit item (k) limit is exhausted, up to 1 per day)
Cancer-related
Reconstructive surgery for specified conditions
—
Eligible Expenses for reconstructive surgery shall be covered and reimbursed according to benefit items (a) – (c), (e) – (i) up to their respective benefit limits
Eligible Expenses for reconstructive surgery shall be covered and reimbursed according to benefit items (a) – (c), (e) – (i) up to their respective benefit limits
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
Histotripsy treatment for liver cancer benefit
—
—
—
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
Cash Benefits Cash
Lower ward class cash benefit
—
—
—
—
$1,000 per day (maximum 10 days per Confinement)
$2,000 per day (maximum 10 days per Confinement)
$2,000 per day (maximum 10 days per Confinement)
$2,000 per day (maximum 10 days per Confinement)
—
$1,000 per day (maximum 10 days per Confinement)
$2,000 per day (maximum 10 days per Confinement)
$2,000 per day (maximum 10 days per Confinement)
$2,000 per day (maximum 10 days per Confinement)
Event Benefits Event
Compassionate death benefit
$10,000
$10,000 per Policy
$10,000 per policy. Supplemental Major Medical Benefits (Confinement only): $120,000 per Policy Year
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
$10,000
Medical accident and incident extension benefit
—
$60,000 per Policy
$60,000 per policy
—
—
—
—
—
—
—
—
—
—
VHIS cert no.
S00042-01-000-02Benefits 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
(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 outpatient treatment for Accident
—
Inpatient-related
Medical implants / prosthetic devices
—
Organ transplant donor benefit
—
Hospital companion bed fee reimbursement
—
Private nursing fee (during Confinement)
—
Outpatient-related
Cancer / cardiac / stroke rehabilitation benefit
—
Outpatient kidney dialysis
—
Health check-up benefit
—
Hospice and palliative care benefit
—
Daily post-surgery home nursing benefit
—
Chinese Medicine Practitioner outpatient care
—
Post-Confinement / Day Case Procedure auxiliary therapy
—
Cancer-related
Reconstructive surgery for specified conditions
—
Histotripsy treatment for liver cancer benefit
—
Cash Benefits Cash
Lower ward class cash benefit
—
Event Benefits Event
Compassionate death benefit
$10,000
Medical accident and incident extension benefit
—
Plan 1 / 13
滙豐自願醫保標準計劃
HSBC Voluntary Health Insurance Standard Plan
Entry-level PickVer. Mar 29, 2021
- VHIS cert no.
- S00042-01-000-02
- 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
- (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
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- —
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 意外急症門診治療費用賠償
- —
- 身體檢查保障
- —
- 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
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 組織碎化技術的肝癌治療 保障
- —
Cash Benefits Cash
- 次級病房級別現金惠益
- —
Event Benefits Event
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
Plan 2 / 13
滙豐自願醫保進階計劃 - 進階計劃
HSBC Voluntary Health Insurance One Plan - One Plan
Step UpVer. Jun 23, 2025
- VHIS cert no.
- F00079-01-000-01
- 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
- —
- 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
- $14,000 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
- $4,300 per Policy Year
- (e) 深切治療
- $4,000 per day, maximum 90 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, up to $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 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
- 指定重建手術保障
- Eligible Expenses for reconstructive surgery shall be covered and reimbursed according to benefit items (a) – (c), (e) – (i) up to their respective benefit limits
- 復康保障
- —
- 門診洗腎
- $50,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 意外急症門診治療費用賠償
- $5,000 per Policy Year within 24 hours of the Accident
- 身體檢查保障
- —
- 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
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 組織碎化技術的肝癌治療 保障
- —
Cash Benefits Cash
- 次級病房級別現金惠益
- —
Event Benefits Event
- 恩恤身故賠償
- $10,000 per Policy
- 醫療意外事故保障
- $60,000 per Policy
Plan 3 / 13
滙豐自願醫保進階計劃 - 進階計劃連同額外醫療保障
HSBC Voluntary Health Insurance One Plan - One Plan with SMM
Step UpVer. Jun 23, 2025
- VHIS cert no.
- F00079-01-001-01
- 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$120,000／per policy year, 20% 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
- $14,000 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
- $4,300 per Policy Year
- (e) 深切治療
- $4,000 per day, maximum 90 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, up to $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 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
- 指定重建手術保障
- Eligible Expenses for reconstructive surgery shall be covered and reimbursed according to benefit items (a) – (c), (e) – (i) up to their respective benefit limits
- 復康保障
- —
- 門診洗腎
- $50,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 意外急症門診治療費用賠償
- $5,000 per Policy Year within 24 hours of the Accident
- 身體檢查保障
- —
- 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
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 組織碎化技術的肝癌治療 保障
- —
Cash Benefits Cash
- 次級病房級別現金惠益
- —
Event Benefits Event
- 恩恤身故賠償
- $10,000 per policy. Supplemental Major Medical Benefits (Confinement only): $120,000 per Policy Year
- 醫療意外事故保障
- $60,000 per policy
Plan 4 / 13
滙豐自願醫保靈活計劃 - 銅級
HSBC Voluntary Health Insurance Flexi Plan - Bronze level
High-endVer. Apr 16, 2025
- VHIS cert no.
- F00049-01-000-03F00049-02-000-03F00049-03-000-03F00049-04-000-03
- Plan Type
- Flexi
- Coverage region
- Greater China
- Ward class
- Ward
- Annual benefit limit
- HK$5,000,000
- Lifetime benefit limit
- HK$20,000,000
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $16K / $50K / $100K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
- (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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
- (l) 精神科治療
- $30,000
Extra Benefits Extra
- 指定重建手術保障
- Full reimbursement
- 復康保障
- $80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
- 器官移植的捐贈者保障
- 30% of the total organ transplant cost
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 身體檢查保障
- —
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
- 善終服務
- —
- 家中看護
- Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- $3,000
- 組織碎化技術的肝癌治療 保障
- Full reimbursement
Cash Benefits Cash
- 次級病房級別現金惠益
- —
Event Benefits Event
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
Plan 5 / 13
滙豐自願醫保靈活計劃 - 銀級
HSBC Voluntary Health Insurance Flexi Plan - Silver level
High-endVer. Apr 16, 2025
- VHIS cert no.
- F00049-05-000-03F00049-06-000-03F00049-07-000-03F00049-08-000-03
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$25,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $16K / $50K / $100K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
- (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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
- (l) 精神科治療
- $30,000
Extra Benefits Extra
- 指定重建手術保障
- Full reimbursement
- 復康保障
- $80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
- 器官移植的捐贈者保障
- 30% of the total organ transplant cost
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 身體檢查保障
- —
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
- 善終服務
- —
- 家中看護
- Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- $6,000
- 組織碎化技術的肝癌治療 保障
- Full reimbursement
Cash Benefits Cash
- 次級病房級別現金惠益
- $1,000
Event Benefits Event
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
Plan 6 / 13
滙豐自願醫保靈活計劃 - 金級
HSBC Voluntary Health Insurance Flexi Plan - Gold level
High-endVer. Apr 16, 2025
- VHIS cert no.
- F00049-09-000-03F00049-10-000-03F00049-11-000-03F00049-12-000-03
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$30,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $16K / $50K / $100K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
- (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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
- (l) 精神科治療
- $30,000
Extra Benefits Extra
- 指定重建手術保障
- Full reimbursement
- 復康保障
- $80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
- 器官移植的捐贈者保障
- 30% of the total organ transplant cost
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 身體檢查保障
- $1,000
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
- 善終服務
- —
- 家中看護
- Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- $10,000
- 組織碎化技術的肝癌治療 保障
- Full reimbursement
Cash Benefits Cash
- 次級病房級別現金惠益
- $2,000
Event Benefits Event
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
Plan 7 / 13
滙豐自願醫保靈活計劃 - 鉑級
HSBC Voluntary Health Insurance Flexi Plan - Platinum level
High-endVer. Apr 16, 2025
- VHIS cert no.
- F00049-17-000-01F00049-18-000-01F00049-19-000-01F00049-20-000-01
- Plan Type
- Flexi
- Coverage region
- Worldwide (excluding United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$35,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $16K / $50K / $100K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
- (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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
- (l) 精神科治療
- $30,000
Extra Benefits Extra
- 指定重建手術保障
- Full reimbursement
- 復康保障
- $80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
- 器官移植的捐贈者保障
- 30% of the total organ transplant cost
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 身體檢查保障
- $1,000
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
- 善終服務
- —
- 家中看護
- Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- $10,000
- 組織碎化技術的肝癌治療 保障
- Full reimbursement
Cash Benefits Cash
- 次級病房級別現金惠益
- $2,000
Event Benefits Event
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
Plan 8 / 13
滙豐自願醫保靈活計劃 - 鑽級
HSBC Voluntary Health Insurance Flexi Plan - Diamond level
High-endVer. Apr 16, 2025
- VHIS cert no.
- F00049-13-000-03F00049-14-000-03F00049-15-000-03F00049-16-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$40,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $16K / $50K / $100K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
- (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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
- (l) 精神科治療
- $50,000
Extra Benefits Extra
- 指定重建手術保障
- Full reimbursement
- 復康保障
- $80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: Full reimbursement of Eligible Expenses; other items: $300,000 per Policy Year
- 器官移植的捐贈者保障
- 30% of the total organ transplant cost
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 身體檢查保障
- $2,000
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
- 善終服務
- $80,000 per Policy Year, maximum 30 days per Policy Year
- 家中看護
- Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit, up to 1 follow-up outpatient visit per day, maximum 10 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
- 出院後 / 日間手術後的額外門診輔助治療
- $30,000
- 組織碎化技術的肝癌治療 保障
- Full reimbursement
Cash Benefits Cash
- 次級病房級別現金惠益
- $2,000
Event Benefits Event
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
Plan 9 / 13
「愛 ‧ 護航」自願醫保靈活計劃 - 銅級
Vital Care Voluntary Health Insurance Flexi Plan - Bronze level
High-endVer. Sep 22, 2025
- VHIS cert no.
- F00076-01-000-02F00076-02-000-02F00076-03-000-02F00076-04-000-02
- Plan Type
- Flexi
- Coverage region
- Greater China
- Ward class
- Ward
- Annual benefit limit
- HK$5,000,000
- Lifetime benefit limit
- HK$20,000,000
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $16K / $50K / $100K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
- (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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
- (l) 精神科治療
- $30,000
Extra Benefits Extra
- 指定重建手術保障
- Full reimbursement
- 復康保障
- $80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
- 器官移植的捐贈者保障
- 30% of the total organ transplant cost
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 身體檢查保障
- —
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
- 善終服務
- —
- 家中看護
- Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- $3,000
- 組織碎化技術的肝癌治療 保障
- Full reimbursement
Cash Benefits Cash
- 次級病房級別現金惠益
- —
Event Benefits Event
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
Plan 10 / 13
「愛 ‧ 護航」自願醫保靈活計劃 - 銀級
Vital Care Voluntary Health Insurance Flexi Plan - Silver level
High-endVer. Sep 22, 2025
- VHIS cert no.
- F00076-05-000-02F00076-06-000-02F00076-07-000-02F00076-08-000-02
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$25,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $16K / $50K / $100K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
- (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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
- (l) 精神科治療
- $30,000
Extra Benefits Extra
- 指定重建手術保障
- Full reimbursement
- 復康保障
- $80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
- 器官移植的捐贈者保障
- 30% of the total organ transplant cost
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 身體檢查保障
- —
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
- 善終服務
- —
- 家中看護
- Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- $6,000
- 組織碎化技術的肝癌治療 保障
- Full reimbursement
Cash Benefits Cash
- 次級病房級別現金惠益
- $1,000
Event Benefits Event
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
Plan 11 / 13
「愛 ‧ 護航」自願醫保靈活計劃 - 金級
Vital Care Voluntary Health Insurance Flexi Plan - Gold level
High-endVer. Sep 22, 2025
- VHIS cert no.
- F00076-09-000-02F00076-10-000-02F00076-11-000-02F00076-12-000-02
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$30,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $16K / $50K / $100K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
- (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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
- (l) 精神科治療
- $30,000
Extra Benefits Extra
- 指定重建手術保障
- Full reimbursement
- 復康保障
- $80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
- 器官移植的捐贈者保障
- 30% of the total organ transplant cost
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 身體檢查保障
- $1,000
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
- 善終服務
- —
- 家中看護
- Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- $10,000
- 組織碎化技術的肝癌治療 保障
- Full reimbursement
Cash Benefits Cash
- 次級病房級別現金惠益
- $2,000
Event Benefits Event
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
Plan 12 / 13
「愛 ‧ 護航」自願醫保靈活計劃 - 鉑級
Vital Care Voluntary Health Insurance Flexi Plan - Platinum level
High-endVer. Sep 22, 2025
- VHIS cert no.
- F00076-17-000-01F00076-18-000-01F00076-19-000-01F00076-20-000-01
- Plan Type
- Flexi
- Coverage region
- Worldwide (excluding United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$35,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $16K / $50K / $100K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
- (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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
- (l) 精神科治療
- $30,000
Extra Benefits Extra
- 指定重建手術保障
- Full reimbursement
- 復康保障
- $80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
- 器官移植的捐贈者保障
- 30% of the total organ transplant cost
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 身體檢查保障
- $1,000
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
- 善終服務
- —
- 家中看護
- Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
- 出院後 / 日間手術後的中醫門診治療
- —
- 出院後 / 日間手術後的額外門診輔助治療
- $10,000
- 組織碎化技術的肝癌治療 保障
- Full reimbursement
Cash Benefits Cash
- 次級病房級別現金惠益
- $2,000
Event Benefits Event
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
Plan 13 / 13
「愛 ‧ 護航」自願醫保靈活計劃 - 鑽級
Vital Care Voluntary Health Insurance Flexi Plan - Diamond level
High-endVer. Sep 22, 2025
- VHIS cert no.
- F00076-13-000-02F00076-14-000-02F00076-15-000-02F00076-16-000-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$40,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $16K / $50K / $100K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
- (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, for the consultations specified below: • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)
- (l) 精神科治療
- $50,000
Extra Benefits Extra
- 指定重建手術保障
- Full reimbursement
- 復康保障
- $80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: Full reimbursement of Eligible Expenses; other items: $300,000 per Policy Year
- 器官移植的捐贈者保障
- 30% of the total organ transplant cost
- 意外急症門診治療費用賠償
- Full reimbursement of Eligible Expenses within 24 hours of the Accident
- 身體檢查保障
- $2,000
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
- 善終服務
- $80,000 per Policy Year, maximum 30 days per Policy Year
- 家中看護
- Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)
- 出院後 / 日間手術後的中醫門診治療
- $600 per visit, up to 1 follow-up outpatient visit per day, maximum 10 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
- 出院後 / 日間手術後的額外門診輔助治療
- $30,000
- 組織碎化技術的肝癌治療 保障
- Full reimbursement
Cash Benefits Cash
- 次級病房級別現金惠益
- $2,000
Event Benefits Event
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
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