BY COMPANY
HSBC Life — same-insurer plan comparison
HSBC Life (International) Limited · 13 plan series · 43 variants
HSBC Life (International) Limited offers 43 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 42 Flexi), covering Greater China, Asia incl. AU/NZ, Worldwide (including United States) and Worldwide (excluding 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 22, 2025
滙豐自願醫保標準計劃
- VHIS cert no.
- S00042-01-000-02
- 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
- (f) 外科醫生費
- —
- 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
- 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
- 較低級別病房現金保障
- —
Event Benefits
- 恩恤身故賠償
- HK$10,000
- 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
滙豐自願醫保進階計劃 - 進階計劃
- VHIS cert no.
- F00079-01-000-01
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- No overall limit
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,000 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$1,000 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$4,000 per day, maximum 90 days per Policy Year
- (f) 外科醫生費
- —
- 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 up to 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 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
- 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
- HK$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
- HK$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
- 較低級別病房現金保障
- —
Event Benefits
- 恩恤身故賠償
- HK$10,000 per Policy
- 醫療意外事故保障
- HK$60,000 per Policy
No aggregate limit
$1,000 per day, maximum 180 days per Policy Year
$14,000 per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$4,300 per Policy Year
$4,000 per day, maximum 90 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, 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
$30,000 per Policy Year
$50,000 per Policy Year
$5,000 per Policy Year within 24 hours of the Accident
$10,000 per Policy
$60,000 per Policy
滙豐自願醫保進階計劃 - 進階計劃連同額外醫療保障
- VHIS cert no.
- F00079-01-001-01
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- No overall limit
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$120,000 · Coinsurance 20% (Per policy year)
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,000 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$1,000 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$4,000 per day, maximum 90 days per Policy Year
- (f) 外科醫生費
- —
- 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 up to 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 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
- 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
- HK$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
- HK$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
- 較低級別病房現金保障
- —
Event Benefits
- 恩恤身故賠償
- HK$10,000 per policySupplemental Major Medical Benefits (Confinement only): HK$120,000 per Policy Year
- 醫療意外事故保障
- HK$60,000 per policy
No aggregate limit
HK$120,000／per policy year, 20% coinsurance
$1,000 per day, maximum 180 days per Policy Year
$14,000 per Policy Year
$1,000 per day, maximum 180 days per Policy Year
$4,300 per Policy Year
$4,000 per day, maximum 90 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, 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
$30,000 per Policy Year
$50,000 per Policy Year
$5,000 per Policy Year within 24 hours of the Accident
$10,000 per policy. Supplemental Major Medical Benefits (Confinement only): $120,000 per Policy Year
$60,000 per policy
滙豐自願醫保靈活計劃 - 銅級
- VHIS cert no.
- F00049-01-000-03F00049-02-000-03F00049-03-000-03F00049-04-000-03
- Plan Type
- Flexi
- Main 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
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- $0 / $16K / $50K / $100K
- Deductible reduction at specified ages
- From age 55, every 5 years Once per lifetime · no fresh underwriting Application required
Basic Benefits
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 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 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
- 指定重建手術保障
- Full reimbursement
- 復康保障
- HK$80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Full reimbursementother items: HK$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 reimbursementof 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 reimbursementof 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 reimbursementof Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedurelimited 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
- 較低級別病房現金保障
- —
Event Benefits
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
Once per lifetime · no fresh underwriting Apply within 30 days before renewal on or following the 55th birthday or every fifth birthday thereafter. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses regardless of surgical category
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, 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)
$30,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
$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)
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
Full reimbursement of Eligible Expenses
$80,000 per Policy Year, maximum 90 days per Policy Year
$10,000
Full reimbursement of Eligible Expenses
滙豐自願醫保靈活計劃 - 銀級
- VHIS cert no.
- F00049-05-000-03F00049-06-000-03F00049-07-000-03F00049-08-000-03
- Plan Type
- Flexi
- Main coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$25,000,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- $0 / $16K / $50K / $100K
- Deductible reduction at specified ages
- From age 55, every 5 years Once per lifetime · no fresh underwriting Application required
Basic Benefits
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 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 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
- 指定重建手術保障
- Full reimbursement
- 復康保障
- HK$80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Full reimbursementother items: HK$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 reimbursementof 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 reimbursementof 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 reimbursementof Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedurelimited 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
- 較低級別病房現金保障
- $1,000
Event Benefits
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
No aggregate limit
Once per lifetime · no fresh underwriting Apply within 30 days before renewal on or following the 55th birthday or every fifth birthday thereafter. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses regardless of surgical category
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, 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)
$30,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
$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)
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
Full reimbursement of Eligible Expenses
$80,000 per Policy Year, maximum 90 days per Policy Year
$10,000
Full reimbursement of Eligible Expenses
$1,000 per day (maximum 10 days per Confinement)
滙豐自願醫保靈活計劃 - 金級
- VHIS cert no.
- F00049-09-000-03F00049-10-000-03F00049-11-000-03F00049-12-000-03
- Plan Type
- Flexi
- Main coverage region
- Asia incl. AU/NZ
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$30,000,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- $0 / $16K / $50K / $100K
- Deductible reduction at specified ages
- From age 55, every 5 years Once per lifetime · no fresh underwriting Application required
Basic Benefits
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 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 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
- 指定重建手術保障
- Full reimbursement
- 復康保障
- HK$80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Full reimbursementother items: HK$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 reimbursementof 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 reimbursementof 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 reimbursementof Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedurelimited 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
- 較低級別病房現金保障
- $2,000
Event Benefits
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
No aggregate limit
Once per lifetime · no fresh underwriting Apply within 30 days before renewal on or following the 55th birthday or every fifth birthday thereafter. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses regardless of surgical category
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, 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)
$30,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
$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)
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
Full reimbursement of Eligible Expenses
$80,000 per Policy Year, maximum 90 days per Policy Year
$10,000
Full reimbursement of Eligible Expenses
$2,000 per day (maximum 10 days per Confinement)
$1,000 per Policy Year (from the second Policy Year onwards)
滙豐自願醫保靈活計劃 - 鉑級
- VHIS cert no.
- F00049-17-000-01F00049-18-000-01F00049-19-000-01F00049-20-000-01
- Plan Type
- Flexi
- Main coverage region
- Worldwide (excluding United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$35,000,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $16K / $50K / $100K
- Deductible reduction at specified ages
- From age 55, every 5 years Once per lifetime · no fresh underwriting Application required
Basic Benefits
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 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 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
- 指定重建手術保障
- Full reimbursement
- 復康保障
- HK$80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Full reimbursementother items: HK$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 reimbursementof 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 reimbursementof 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 reimbursementof Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedurelimited 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
- 較低級別病房現金保障
- $2,000
Event Benefits
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
No aggregate limit
Once per lifetime · no fresh underwriting Apply within 30 days before renewal on or following the 55th birthday or every fifth birthday thereafter. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses regardless of surgical category
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, 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)
$30,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
$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)
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
Full reimbursement of Eligible Expenses
$80,000 per Policy Year, maximum 90 days per Policy Year
$10,000
Full reimbursement of Eligible Expenses
$2,000 per day (maximum 10 days per Confinement)
$1,000 per Policy Year (from the second Policy Year onwards)
滙豐自願醫保靈活計劃 - 鑽級
- VHIS cert no.
- F00049-13-000-03F00049-14-000-03F00049-15-000-03F00049-16-000-03
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$40,000,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- $0 / $16K / $50K / $100K
- Deductible reduction at specified ages
- From age 55, every 5 years Once per lifetime · no fresh underwriting Application required
Basic Benefits
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 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 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
- 指定重建手術保障
- Full reimbursement
- 復康保障
- HK$80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Full reimbursementother items: HK$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 reimbursementof 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 reimbursementof Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
- 善終服務
- HK$80,000 per Policy Year, maximum 30 days per Policy Year
- 家中看護
- Full reimbursementof Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedurelimited 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
- HK$600 per visitup 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
- 較低級別病房現金保障
- $2,000
Event Benefits
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
No aggregate limit
Once per lifetime · no fresh underwriting Apply within 30 days before renewal on or following the 55th birthday or every fifth birthday thereafter. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses regardless of surgical category
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, 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)
$50,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
$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)
Specified items: Full reimbursement of Eligible Expenses; other items: $300,000 per Policy Year
Full reimbursement of Eligible Expenses
$80,000 per Policy Year, maximum 90 days per Policy Year
$80,000 per Policy Year, maximum 30 days per Policy Year
$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)
$10,000
Full reimbursement of Eligible Expenses
$2,000 per day (maximum 10 days per Confinement)
$2,000 per Policy Year (from the second Policy Year onwards)
「愛 ‧ 護航」自願醫保靈活計劃 - 銅級
- VHIS cert no.
- F00076-01-000-02F00076-02-000-02F00076-03-000-02F00076-04-000-02
- Plan Type
- Flexi
- Main 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
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- $0 / $16K / $50K / $100K
- Deductible reduction at specified ages
- From age 55, every 5 years Once per lifetime · no fresh underwriting Application required
Basic Benefits
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 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 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
- 指定重建手術保障
- Full reimbursement
- 復康保障
- HK$80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Full reimbursementother items: HK$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 reimbursementof 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 reimbursementof 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 reimbursementof Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedurelimited 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
- 較低級別病房現金保障
- —
Event Benefits
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
Once per lifetime · no fresh underwriting Apply within 30 days before renewal on or following the 55th birthday or every fifth birthday thereafter. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses regardless of surgical category
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, 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)
$30,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
$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)
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
Full reimbursement of Eligible Expenses
$80,000 per Policy Year, maximum 90 days per Policy Year
$10,000
Full reimbursement of Eligible Expenses
「愛 ‧ 護航」自願醫保靈活計劃 - 銀級
- VHIS cert no.
- F00076-05-000-02F00076-06-000-02F00076-07-000-02F00076-08-000-02
- Plan Type
- Flexi
- Main coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$25,000,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- $0 / $16K / $50K / $100K
- Deductible reduction at specified ages
- From age 55, every 5 years Once per lifetime · no fresh underwriting Application required
Basic Benefits
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 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 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
- 指定重建手術保障
- Full reimbursement
- 復康保障
- HK$80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Full reimbursementother items: HK$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 reimbursementof 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 reimbursementof 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 reimbursementof Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedurelimited 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
- 較低級別病房現金保障
- $1,000
Event Benefits
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
No aggregate limit
Once per lifetime · no fresh underwriting Apply within 30 days before renewal on or following the 55th birthday or every fifth birthday thereafter. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses regardless of surgical category
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, 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)
$30,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
$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)
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
Full reimbursement of Eligible Expenses
$80,000 per Policy Year, maximum 90 days per Policy Year
$10,000
Full reimbursement of Eligible Expenses
$1,000 per day (maximum 10 days per Confinement)
「愛 ‧ 護航」自願醫保靈活計劃 - 金級
- VHIS cert no.
- F00076-09-000-02F00076-10-000-02F00076-11-000-02F00076-12-000-02
- Plan Type
- Flexi
- Main coverage region
- Asia incl. AU/NZ
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$30,000,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- $0 / $16K / $50K / $100K
- Deductible reduction at specified ages
- From age 55, every 5 years Once per lifetime · no fresh underwriting Application required
Basic Benefits
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 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 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
- 指定重建手術保障
- Full reimbursement
- 復康保障
- HK$80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Full reimbursementother items: HK$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 reimbursementof 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 reimbursementof 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 reimbursementof Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedurelimited 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
- 較低級別病房現金保障
- $2,000
Event Benefits
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
No aggregate limit
Once per lifetime · no fresh underwriting Apply within 30 days before renewal on or following the 55th birthday or every fifth birthday thereafter. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses regardless of surgical category
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, 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)
$30,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
$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)
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
Full reimbursement of Eligible Expenses
$80,000 per Policy Year, maximum 90 days per Policy Year
$10,000
Full reimbursement of Eligible Expenses
$2,000 per day (maximum 10 days per Confinement)
$1,000 per Policy Year (from the second Policy Year onwards)
「愛 ‧ 護航」自願醫保靈活計劃 - 鉑級
- VHIS cert no.
- F00076-17-000-01F00076-18-000-01F00076-19-000-01F00076-20-000-01
- Plan Type
- Flexi
- Main coverage region
- Worldwide (excluding United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$35,000,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $16K / $50K / $100K
- Deductible reduction at specified ages
- From age 55, every 5 years Once per lifetime · no fresh underwriting Application required
Basic Benefits
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 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 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
- 指定重建手術保障
- Full reimbursement
- 復康保障
- HK$80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Full reimbursementother items: HK$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 reimbursementof 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 reimbursementof 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 reimbursementof Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedurelimited 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
- 較低級別病房現金保障
- $2,000
Event Benefits
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
No aggregate limit
Once per lifetime · no fresh underwriting Apply within 30 days before renewal on or following the 55th birthday or every fifth birthday thereafter. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses regardless of surgical category
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, 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)
$30,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
$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)
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy Year
Full reimbursement of Eligible Expenses
$80,000 per Policy Year, maximum 90 days per Policy Year
$10,000
Full reimbursement of Eligible Expenses
$2,000 per day (maximum 10 days per Confinement)
$1,000 per Policy Year (from the second Policy Year onwards)
「愛 ‧ 護航」自願醫保靈活計劃 - 鑽級
- VHIS cert no.
- F00076-13-000-02F00076-14-000-02F00076-15-000-02F00076-16-000-02
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$40,000,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- $0 / $16K / $50K / $100K
- Deductible reduction at specified ages
- From age 55, every 5 years Once per lifetime · no fresh underwriting Application required
Basic Benefits
- (a) 病房及膳食
- Full reimbursement
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursement
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursement
- (f) 外科醫生費
- Full reimbursement
- 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 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
- 指定重建手術保障
- Full reimbursement
- 復康保障
- HK$80,000 per Policy Year, maximum 90 days per Policy Year
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Full reimbursementother items: HK$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 reimbursementof 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 reimbursementof Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)
- 善終服務
- HK$80,000 per Policy Year, maximum 30 days per Policy Year
- 家中看護
- Full reimbursementof Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedurelimited 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
- HK$600 per visitup 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
- 較低級別病房現金保障
- $2,000
Event Benefits
- 恩恤身故賠償
- $10,000
- 醫療意外事故保障
- —
No aggregate limit
Once per lifetime · no fresh underwriting Apply within 30 days before renewal on or following the 55th birthday or every fifth birthday thereafter. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses regardless of surgical category
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, 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)
$50,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
$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)
Specified items: Full reimbursement of Eligible Expenses; other items: $300,000 per Policy Year
Full reimbursement of Eligible Expenses
$80,000 per Policy Year, maximum 90 days per Policy Year
$80,000 per Policy Year, maximum 30 days per Policy Year
$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)
$10,000
Full reimbursement of Eligible Expenses
$2,000 per day (maximum 10 days per Confinement)
$2,000 per Policy Year (from the second Policy Year onwards)
“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.