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Manulife — same-insurer plan comparison
Manulife (International) Limited · 16 plan series · 48 variants
Manulife (International) Limited offers 48 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 47 Flexi), covering Worldwide (including United States), Asia incl. AU/NZ 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: Jun 29, 2026
宏利愛守護自願醫保標準計劃
- VHIS cert no.
- S00034-01-000-03
- 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
- Not listed
- 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
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
- 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
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- —
Cash Benefits
- 第二索償現金津貼
- $150
- 日間手術現金惠益
- —
- 較低級別病房現金保障
- —
Event Benefits
- 恩恤身故賠償
- HK$10,000 per policy
- 意外身故賠償
- HK$10,000 per policy
- 醫療意外事故保障
- HK$100,000 per policy
$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
$150 per day of Confinement, maximum 180 days per Policy Year
$10,000 per policy
$10,000 per policy
$100,000 per policy
宏利全護航自願醫保靈活計劃 - 普通房
- VHIS cert no.
- F00019-01-000-07
- 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
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,200 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$15,000 per Policy Year
- (c) 主診醫生巡房費
- HK$900 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$4,200 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HK$5,250
- 外科醫生費 — 中型
- HK$13,125
- 外科醫生費 — 大型
- HK$26,250
- 外科醫生費 — 複雜
- HK$52,500
- (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$25,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$100,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$1,100 per visit, HK$16,000 per Policy Year Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 10 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
- HK$90,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- HK$6,600 per Policy Year, within 24 hours of the Accident
- 住院陪床
- Full reimbursementof Eligible Expenses per day, maximum 180 days per Policy Year
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- HK$660 per visitup to HK$13,000 per Policy Year15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
- 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
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- HK$1,100 per day, maximum 180 days per Policy Year
Cash Benefits
- 第二索償現金津貼
- $300
- 日間手術現金惠益
- —
- 較低級別病房現金保障
- —
Event Benefits
- 恩恤身故賠償
- HK$10,000
- 意外身故賠償
- HK$10,000
- 醫療意外事故保障
- HK$100,000
No aggregate limit
No aggregate limit
$1,200 per day, maximum 180 days per Policy Year
$15,000 per Policy Year
$900 per day, maximum 180 days per Policy Year
$4,300 per Policy Year
$4,200 per day, maximum 25 days per Policy Year
$5,250
$13,125
$26,250
$52,500
$25,000 per Policy Year. Subject to 30% Coinsurance.
$100,000 per Policy Year
$1,100, per visit, $16,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 10 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
$1,100 per day, maximum 180 days per Policy Year
$90,000 per Policy Year
$660 per visit, up to $13,000 per Policy Year • 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
$6,600 per Policy Year, within 24 hours of the Accident
$300 per day of Confinement, maximum 180 days per Policy Year
$10,000
$10,000
$100,000
宏利全護航自願醫保靈活計劃 - 普通房+高額醫療保障
- VHIS cert no.
- F00019-01-001-07
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- No overall limit
- Lifetime benefit limit
- Not listed
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Network：HK$120,000／per policy year / per disabilityNon-network：HK$100,000／per policy year / per disability, 20% coinsurance
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,200 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$15,000 per Policy Year
- (c) 主診醫生巡房費
- HK$900 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$4,200 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HK$5,250
- 外科醫生費 — 中型
- HK$13,125
- 外科醫生費 — 大型
- HK$26,250
- 外科醫生費 — 複雜
- HK$52,500
- (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$25,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$100,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$1,100 per visit, HK$16,000 per Policy Year Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 10 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
- HK$90,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- HK$6,600 per Policy Year, within 24 hours of the Accident
- 住院陪床
- Full reimbursementof Eligible Expenses per day, maximum 180 days per Policy Year
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- HK$660 per visitup to HK$13,000 per Policy Year15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
- 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
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- HK$1,100 per day, maximum 180 days per Policy Year
Cash Benefits
- 第二索償現金津貼
- $300
- 日間手術現金惠益
- —
- 較低級別病房現金保障
- —
Event Benefits
- 恩恤身故賠償
- HK$10,000
- 意外身故賠償
- HK$10,000
- 醫療意外事故保障
- HK$100,000
No aggregate limit
$1,200 per day, maximum 180 days per Policy Year
$15,000 per Policy Year
$900 per day, maximum 180 days per Policy Year
$4,300 per Policy Year
$4,200 per day, maximum 25 days per Policy Year
$5,250
$13,125
$26,250
$52,500
$25,000 per Policy Year. Subject to 30% Coinsurance.
$100,000 per Policy Year
$1,100, per visit, $16,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 10 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
$1,100 per day, maximum 180 days per Policy Year
$90,000 per Policy Year
$660 per visit, up to $13,000 per Policy Year • 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
$6,600 per Policy Year, within 24 hours of the Accident
$300 per day of Confinement, maximum 180 days per Policy Year
$10,000
$10,000
$100,000
宏利全護航自願醫保靈活計劃 - 普通房+特級高額醫療保障
- VHIS cert no.
- F00019-01-002-07
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- No overall limit
- Lifetime benefit limit
- Not listed
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Network：HK$210,000／per policy year / per disabilityNon-network：HK$175,000／per policy year / per disability, 20% coinsurance
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,200 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$15,000 per Policy Year
- (c) 主診醫生巡房費
- HK$900 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$4,200 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HK$5,250
- 外科醫生費 — 中型
- HK$13,125
- 外科醫生費 — 大型
- HK$26,250
- 外科醫生費 — 複雜
- HK$52,500
- (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$25,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$100,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$1,100 per visit, HK$16,000 per Policy Year Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 10 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
- HK$90,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- HK$6,600 per Policy Year, within 24 hours of the Accident
- 住院陪床
- Full reimbursementof Eligible Expenses per day, maximum 180 days per Policy Year
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- HK$660 per visitup to HK$13,000 per Policy Year15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
- 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
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- HK$1,100 per day, maximum 180 days per Policy Year
Cash Benefits
- 第二索償現金津貼
- $300
- 日間手術現金惠益
- —
- 較低級別病房現金保障
- —
Event Benefits
- 恩恤身故賠償
- HK$10,000
- 意外身故賠償
- HK$10,000
- 醫療意外事故保障
- HK$100,000
No aggregate limit
$1,200 per day, maximum 180 days per Policy Year
$15,000 per Policy Year
$900 per day, maximum 180 days per Policy Year
$4,300 per Policy Year
$4,200 per day, maximum 25 days per Policy Year
$5,250
$13,125
$26,250
$52,500
$25,000 per Policy Year. Subject to 30% Coinsurance.
$100,000 per Policy Year
$1,100, per visit, $16,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 10 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
$1,100 per day, maximum 180 days per Policy Year
$90,000 per Policy Year
$660 per visit, up to $13,000 per Policy Year • 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
$6,600 per Policy Year, within 24 hours of the Accident
$300 per day of Confinement, maximum 180 days per Policy Year
$10,000
$10,000
$100,000
宏利全護航自願醫保靈活計劃 - 半私家房
- VHIS cert no.
- F00019-02-000-07
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Semi-Private Room
- Annual benefit limit
- No overall limit
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$2,500 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$21,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,900 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$5,600 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HK$7,350
- 外科醫生費 — 中型
- HK$18,375
- 外科醫生費 — 大型
- HK$36,750
- 外科醫生費 — 複雜
- HK$73,500
- (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$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$150,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$1,400 per visit, HK$20,000 per Policy Year Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$35,000 per Policy Year
Extra Benefits
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- HK$135,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- HK$11,000 per Policy Year, within 24 hours of the Accident
- 住院陪床
- Full reimbursementof Eligible Expenses per day, maximum 180 days per Policy Year
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- HK$960 per visitup to HK$19,000 per Policy Year15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
- 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
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- HK$2,300 per day, maximum 180 days per Policy Year
Cash Benefits
- 第二索償現金津貼
- $600
- 日間手術現金惠益
- —
- 較低級別病房現金保障
- —
Event Benefits
- 恩恤身故賠償
- HK$10,000
- 意外身故賠償
- HK$10,000
- 醫療意外事故保障
- HK$100,000
No aggregate limit
No aggregate limit
$2,500 per day, maximum 180 days per Policy Year
$21,000 per Policy Year
$1,900 per day, maximum 180 days per Policy Year
$6,000 per Policy Year
$5,600 per day, maximum 25 days per Policy Year
$7,350
$18,375
$36,750
$73,500
$30,000 per Policy Year. Subject to 30% Coinsurance.
$150,000 per Policy Year
$1,400, per visit, $20,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$35,000 per Policy Year
$2,300 per day, maximum 180 days per Policy Year
$135,000 per Policy Year
$960 per visit, up to $19,000 per Policy Year • 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
$11,000 per Policy Year, within 24 hours of the Accident
$600 per day of Confinement, maximum 180 days per Policy Year
$10,000
$10,000
$100,000
宏利全護航自願醫保靈活計劃 - 半私家房+高額醫療保障
- VHIS cert no.
- F00019-02-001-07
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Semi-Private Room
- Annual benefit limit
- No overall limit
- Lifetime benefit limit
- Not listed
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Network：HK$192,000／per policy year / per disabilityNon-network：HK$160,000／per policy year / per disability, 20% coinsurance
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$2,500 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$21,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,900 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$5,600 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HK$7,350
- 外科醫生費 — 中型
- HK$18,375
- 外科醫生費 — 大型
- HK$36,750
- 外科醫生費 — 複雜
- HK$73,500
- (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$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$150,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$1,400 per visit, HK$20,000 per Policy Year Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$35,000 per Policy Year
Extra Benefits
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- HK$135,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- HK$11,000 per Policy Year, within 24 hours of the Accident
- 住院陪床
- Full reimbursementof Eligible Expenses per day, maximum 180 days per Policy Year
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- HK$960 per visitup to HK$19,000 per Policy Year15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
- 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
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- HK$2,300 per day, maximum 180 days per Policy Year
Cash Benefits
- 第二索償現金津貼
- $600
- 日間手術現金惠益
- —
- 較低級別病房現金保障
- —
Event Benefits
- 恩恤身故賠償
- HK$10,000
- 意外身故賠償
- HK$10,000
- 醫療意外事故保障
- HK$100,000
No aggregate limit
$2,500 per day, maximum 180 days per Policy Year
$21,000 per Policy Year
$1,900 per day, maximum 180 days per Policy Year
$6,000 per Policy Year
$5,600 per day, maximum 25 days per Policy Year
$7,350
$18,375
$36,750
$73,500
$30,000 per Policy Year. Subject to 30% Coinsurance.
$150,000 per Policy Year
$1,400, per visit, $20,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$35,000 per Policy Year
$2,300 per day, maximum 180 days per Policy Year
$135,000 per Policy Year
$960 per visit, up to $19,000 per Policy Year • 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
$11,000 per Policy Year, within 24 hours of the Accident
$600 per day of Confinement, maximum 180 days per Policy Year
$10,000
$10,000
$100,000
宏利全護航自願醫保靈活計劃 - 半私家房+特級高額醫療保障
- VHIS cert no.
- F00019-02-002-07
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Semi-Private Room
- Annual benefit limit
- No overall limit
- Lifetime benefit limit
- Not listed
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Network：HK$366,000／per policy year / per disabilityNon-network：HK$305,000／per policy year / per disability, 20% coinsurance
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$2,500 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$21,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,900 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$6,000 per Policy Year
- (e) 深切治療
- HK$5,600 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HK$7,350
- 外科醫生費 — 中型
- HK$18,375
- 外科醫生費 — 大型
- HK$36,750
- 外科醫生費 — 複雜
- HK$73,500
- (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$30,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$150,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$1,400 per visit, HK$20,000 per Policy Year Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$35,000 per Policy Year
Extra Benefits
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- HK$135,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- HK$11,000 per Policy Year, within 24 hours of the Accident
- 住院陪床
- Full reimbursementof Eligible Expenses per day, maximum 180 days per Policy Year
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- HK$960 per visitup to HK$19,000 per Policy Year15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
- 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
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- HK$2,300 per day, maximum 180 days per Policy Year
Cash Benefits
- 第二索償現金津貼
- $600
- 日間手術現金惠益
- —
- 較低級別病房現金保障
- —
Event Benefits
- 恩恤身故賠償
- HK$10,000
- 意外身故賠償
- HK$10,000
- 醫療意外事故保障
- HK$100,000
No aggregate limit
$2,500 per day, maximum 180 days per Policy Year
$21,000 per Policy Year
$1,900 per day, maximum 180 days per Policy Year
$6,000 per Policy Year
$5,600 per day, maximum 25 days per Policy Year
$7,350
$18,375
$36,750
$73,500
$30,000 per Policy Year. Subject to 30% Coinsurance.
$150,000 per Policy Year
$1,400, per visit, $20,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$35,000 per Policy Year
$2,300 per day, maximum 180 days per Policy Year
$135,000 per Policy Year
$960 per visit, up to $19,000 per Policy Year • 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
$11,000 per Policy Year, within 24 hours of the Accident
$600 per day of Confinement, maximum 180 days per Policy Year
$10,000
$10,000
$100,000
宏利全護航自願醫保靈活計劃 - 私家房
- VHIS cert no.
- F00019-03-000-07
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- No overall limit
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$4,500 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$35,000 per Policy Year
- (c) 主診醫生巡房費
- HK$3,900 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$12,000 per Policy Year
- (e) 深切治療
- HK$10,000 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HK$10,500
- 外科醫生費 — 中型
- HK$26,250
- 外科醫生費 — 大型
- HK$52,500
- 外科醫生費 — 複雜
- HK$105,000
- (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$35,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$225,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$2,000 per visit, HK$29,000 per Policy Year Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$40,000 per Policy Year
Extra Benefits
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- HK$200,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- HK$15,000 per Policy Year, within 24 hours of the Accident
- 住院陪床
- Full reimbursementof Eligible Expenses per day, maximum 180 days per Policy Year
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- HK$1,760 per visitup to HK$35,000 per Policy Year15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
- 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
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- HK$4,000 per day, maximum 180 days per Policy Year
Cash Benefits
- 第二索償現金津貼
- $1,200
- 日間手術現金惠益
- —
- 較低級別病房現金保障
- —
Event Benefits
- 恩恤身故賠償
- HK$10,000
- 意外身故賠償
- HK$10,000
- 醫療意外事故保障
- HK$100,000
No aggregate limit
No aggregate limit
$4,500 per day, maximum 180 days per Policy Year
$35,000 per Policy Year
$3,900 per day, maximum 180 days per Policy Year
$12,000 per Policy Year
$10,000 per day, maximum 25 days per Policy Year
$10,500
$26,250
$52,500
$105,000
$35,000 per Policy Year. Subject to 30% Coinsurance.
$225,000 per Policy Year
$2,000, per visit, $29,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$40,000 per Policy Year
$4,000 per day, maximum 180 days per Policy Year
$200,000 per Policy Year
$1,760 per visit, up to $35,000 per Policy Year • 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
$15,000 per Policy Year, within 24 hours of the Accident
$1,200 per day of Confinement, maximum 180 days per Policy Year
$10,000
$10,000
$100,000
宏利全護航自願醫保靈活計劃 - 私家房+高額醫療保障
- VHIS cert no.
- F00019-03-001-07
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- No overall limit
- Lifetime benefit limit
- Not listed
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Network：HK$300,000／per policy year / per disabilityNon-network：HK$250,000／per policy year / per disability, 20% coinsurance
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$4,500 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$35,000 per Policy Year
- (c) 主診醫生巡房費
- HK$3,900 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$12,000 per Policy Year
- (e) 深切治療
- HK$10,000 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HK$10,500
- 外科醫生費 — 中型
- HK$26,250
- 外科醫生費 — 大型
- HK$52,500
- 外科醫生費 — 複雜
- HK$105,000
- (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$35,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$225,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$2,000 per visit, HK$29,000 per Policy Year Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$40,000 per Policy Year
Extra Benefits
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- HK$200,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- HK$15,000 per Policy Year, within 24 hours of the Accident
- 住院陪床
- Full reimbursementof Eligible Expenses per day, maximum 180 days per Policy Year
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- HK$1,760 per visitup to HK$35,000 per Policy Year15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
- 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
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- HK$4,000 per day, maximum 180 days per Policy Year
Cash Benefits
- 第二索償現金津貼
- $1,200
- 日間手術現金惠益
- —
- 較低級別病房現金保障
- —
Event Benefits
- 恩恤身故賠償
- HK$10,000
- 意外身故賠償
- HK$10,000
- 醫療意外事故保障
- HK$100,000
No aggregate limit
$4,500 per day, maximum 180 days per Policy Year
$35,000 per Policy Year
$3,900 per day, maximum 180 days per Policy Year
$12,000 per Policy Year
$10,000 per day, maximum 25 days per Policy Year
$10,500
$26,250
$52,500
$105,000
$35,000 per Policy Year. Subject to 30% Coinsurance.
$225,000 per Policy Year
$2,000, per visit, $29,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$40,000 per Policy Year
$4,000 per day, maximum 180 days per Policy Year
$200,000 per Policy Year
$1,760 per visit, up to $35,000 per Policy Year • 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
$15,000 per Policy Year, within 24 hours of the Accident
$1,200 per day of Confinement, maximum 180 days per Policy Year
$10,000
$10,000
$100,000
宏利全護航自願醫保靈活計劃 - 私家房+特級高額醫療保障
- VHIS cert no.
- F00019-03-002-07
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- No overall limit
- Lifetime benefit limit
- Not listed
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Network：HK$630,000／per policy year / per disabilityNon-network：HK$525,000／per policy year / per disability, 20% coinsurance
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$4,500 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$35,000 per Policy Year
- (c) 主診醫生巡房費
- HK$3,900 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$12,000 per Policy Year
- (e) 深切治療
- HK$10,000 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HK$10,500
- 外科醫生費 — 中型
- HK$26,250
- 外科醫生費 — 大型
- HK$52,500
- 外科醫生費 — 複雜
- HK$105,000
- (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$35,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$225,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$2,000 per visit, HK$29,000 per Policy Year Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
- (l) 精神科治療
- HK$40,000 per Policy Year
Extra Benefits
- 指定重建手術保障
- —
- 復康保障
- —
- 門診洗腎
- HK$200,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 保障限額重置
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- HK$15,000 per Policy Year, within 24 hours of the Accident
- 住院陪床
- Full reimbursementof Eligible Expenses per day, maximum 180 days per Policy Year
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- HK$1,760 per visitup to HK$35,000 per Policy Year15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
- 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
- —
- 受保癌症非傳統治療
- —
- 隔離病房費
- HK$4,000 per day, maximum 180 days per Policy Year
Cash Benefits
- 第二索償現金津貼
- $1,200
- 日間手術現金惠益
- —
- 較低級別病房現金保障
- —
Event Benefits
- 恩恤身故賠償
- HK$10,000
- 意外身故賠償
- HK$10,000
- 醫療意外事故保障
- HK$100,000
No aggregate limit
$4,500 per day, maximum 180 days per Policy Year
$35,000 per Policy Year
$3,900 per day, maximum 180 days per Policy Year
$12,000 per Policy Year
$10,000 per day, maximum 25 days per Policy Year
$10,500
$26,250
$52,500
$105,000
$35,000 per Policy Year. Subject to 30% Coinsurance.
$225,000 per Policy Year
$2,000, per visit, $29,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
$40,000 per Policy Year
$4,000 per day, maximum 180 days per Policy Year
$200,000 per Policy Year
$1,760 per visit, up to $35,000 per Policy Year • 15 follow-up nursing visits at home per Confinement (within 90 days after discharge from Hospital)
$15,000 per Policy Year, within 24 hours of the Accident
$1,200 per day of Confinement, maximum 180 days per Policy Year
$10,000
$10,000
$100,000
宏利晉逸自願醫保附加保障 - 智選HKD + USD
- VHIS cert no.
- F00071-09-000-03F00071-10-000-03F00071-11-000-03F00071-12-000-03F00071-13-000-03F00071-14-000-03F00071-15-000-03F00071-16-000-03
- Plan Type
- Flexi
- Main coverage region
- Asia incl. AU/NZ
- Ward class
- Ward
- Annual benefit limit
- HK$5,000,000(US$625,000)
- Lifetime benefit limit
- HK$20,000,000(US$2,500,000)
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- HKD$0 / $25K / $50K / $100KUSDUS$0 / US$3,125 / US$6,250 / US$13K
- Deductible reduction at specified ages
- 50, 55, 60, 65, 70, 75, 80, 85 years Once per lifetime · no fresh underwriting Reduce or remove the deductible 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 All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure 1 outpatient visit or Emergency consultation more than 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 within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement/Day Case Procedure All follow-up outpatient visits per Confinement/Day Case Procedure as a direct result of Designated Critical Illnesses (within 365 days after discharge from Hospital or completion of Day Case Procedure) Maximum 3 follow-up outpatient visits in total per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
- (l) 精神科治療
- Full reimbursement
Extra Benefits
- 指定重建手術保障
- $200,000(US$25,000)
- 復康保障
- $50,000(US$6,250)
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: HK$800,000 (US$100,000) per Policy Yearother items: HK$200,000 (US$25,000) per Policy Year
- 器官移植的捐贈者保障
- HK$640,000 per living organ donor surgery(US$80,000)
- 懷孕併發症
- Full reimbursement
- 保障限額重置
- Once per policy maximum
- 意外牙科治療
- Full reimbursementof Eligible Expenses within 14 days of the Accident
- 意外急症門診治療費用賠償
- Full reimbursementof Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursementof Eligible Expenses, maximum 30 days per Policy Year, up to 2 visits per day
- 善終服務
- $80,000(US$10,000)
- 家中看護
- Full reimbursementUp to 2 visits per day, maximum 30 days per Policy Year, nurse visits within 120 days after discharge from Hospital following surgery or Intensive Care Unit stay
- 出院後 / 日間手術後的中醫門診治療
- HK$600 per visitUp to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$75)
- 出院後 / 日間手術後的額外門診輔助治療
- HK$1,000 per visitup to 1 per day, maximum 30 visits per Policy YearFollow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureFollow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during ConfinementApplicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only(US$125)
- 受保癌症非傳統治療
- $800,000(US$100,000)
- 隔離病房費
- —
Cash Benefits
- 第二索償現金津貼
- —
- 日間手術現金惠益
- $1,000(US$125)
- 較低級別病房現金保障
- —
Event Benefits
- 恩恤身故賠償
- $80,000(US$10,000)
- 意外身故賠償
- $80,000(US$10,000)
- 醫療意外事故保障
- —
Once per lifetime · no fresh underwriting Apply within 31 days before renewal nearest the birthday; a zero-deductible option is guaranteed. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
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 regardless of surgical category
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses; Coinsurance: 0%
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses, for the consultations specified below (excluding chiropractic treatment, physiotherapy, occupational therapy or speech therapy): • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • 1 outpatient visit or Emergency consultation more than 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 within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement/Day Case Procedure • All follow-up outpatient visits per Confinement/Day Case Procedure as a direct result of Designated Critical Illnesses (within 365 days after discharge from Hospital or completion of Day Case Procedure) Full cover for chiropractic treatment, physiotherapy, occupational therapy or speech therapy: • Maximum 3 follow-up outpatient visits in total per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses • Up to 2 visits per day, maximum 30 days per Policy Year, nurse visits within 120 days after discharge from Hospital following surgery or Intensive Care Unit stay
Specified items: $800,000 per Policy Year; other items: $200,000 per Policy Year
$1,000 per visit, up to 1 per day, maximum 30 visits per Policy Year • Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement • Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses • Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only • as recommended in writing by the attending Registered Medical Practitioner • Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted
$600 per visit • Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$200,000 per specified cancer surgery
$50,000 per Policy Year
$640,000 per living organ donor surgery
$80,000 per Policy Year
Full reimbursement of Eligible Expenses
$80,000
$80,000
Full reimbursement of Eligible Expenses
$1,000 per day
$800,000 per Policy Year
宏利晉逸自願醫保附加保障 - 精選HKD + USD
- VHIS cert no.
- F00071-01-000-03F00071-02-000-03F00071-03-000-03F00071-04-000-03F00071-05-000-03F00071-06-000-03F00071-07-000-03F00071-08-000-03
- Plan Type
- Flexi
- Main coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$12,000,000(US$1,500,000)
- Lifetime benefit limit
- HK$60,000,000(US$7,500,000)
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- HKD$0 / $25K / $50K / $100KUSDUS$0 / US$3,125 / US$6,250 / US$13K
- Deductible reduction at specified ages
- 50, 55, 60, 65, 70, 75, 80, 85 years Once per lifetime · no fresh underwriting Reduce or remove the deductible 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 All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure 1 outpatient visit or Emergency consultation more than 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 within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement/Day Case Procedure All follow-up outpatient visits per Confinement/Day Case Procedure as a direct result of Designated Critical Illnesses (within 365 days after discharge from Hospital or completion of Day Case Procedure) Maximum 3 follow-up outpatient visits in total per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
- (l) 精神科治療
- Full reimbursement
Extra Benefits
- 指定重建手術保障
- $200,000(US$25,000)
- 復康保障
- $50,000(US$6,250)
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: HK$800,000 (US$100,000) per Policy Yearother items: HK$200,000 (US$25,000) per Policy Year
- 器官移植的捐贈者保障
- HK$640,000 per living organ donor surgery(US$80,000)
- 懷孕併發症
- Full reimbursement
- 保障限額重置
- Once per policy maximum
- 意外牙科治療
- Full reimbursementof Eligible Expenses within 14 days of the Accident
- 意外急症門診治療費用賠償
- Full reimbursementof Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursementof Eligible Expenses, maximum 30 days per Policy Year, up to 2 visits per day
- 善終服務
- $80,000(US$10,000)
- 家中看護
- Full reimbursementUp to 2 visits per day, maximum 30 days per Policy Year, nurse visits within 120 days after discharge from Hospital following surgery or Intensive Care Unit stay
- 出院後 / 日間手術後的中醫門診治療
- HK$600 per visitUp to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$75)
- 出院後 / 日間手術後的額外門診輔助治療
- HK$1,000 per visitup to 1 per day, maximum 30 visits per Policy YearFollow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureFollow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during ConfinementApplicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only(US$125)
- 受保癌症非傳統治療
- $800,000(US$100,000)
- 隔離病房費
- —
Cash Benefits
- 第二索償現金津貼
- —
- 日間手術現金惠益
- $1,000(US$125)
- 較低級別病房現金保障
- $1,000(US$125)
Event Benefits
- 恩恤身故賠償
- $80,000(US$10,000)
- 意外身故賠償
- $80,000(US$10,000)
- 醫療意外事故保障
- —
Once per lifetime · no fresh underwriting Apply within 31 days before renewal nearest the birthday; a zero-deductible option is guaranteed. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
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 regardless of surgical category
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses; Coinsurance: 0%
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses, for the consultations specified below (excluding chiropractic treatment, physiotherapy, occupational therapy or speech therapy): • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • 1 outpatient visit or Emergency consultation more than 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 within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement/Day Case Procedure • All follow-up outpatient visits per Confinement/Day Case Procedure as a direct result of Designated Critical Illnesses (within 365 days after discharge from Hospital or completion of Day Case Procedure) Full cover for chiropractic treatment, physiotherapy, occupational therapy or speech therapy: • Maximum 3 follow-up outpatient visits in total per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses • Up to 2 visits per day, maximum 30 days per Policy Year, nurse visits within 120 days after discharge from Hospital following surgery or Intensive Care Unit stay
Specified items: $800,000 per Policy Year; other items: $200,000 per Policy Year
$1,000 per visit, up to 1 per day, maximum 30 visits per Policy Year • Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement • Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses • Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only • as recommended in writing by the attending Registered Medical Practitioner • Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted
$600 per visit • Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$200,000 per specified cancer surgery
$50,000 per Policy Year
$640,000 per living organ donor surgery
$80,000 per Policy Year
Full reimbursement of Eligible Expenses
$80,000
$80,000
Full reimbursement of Eligible Expenses
$1,000 per day
$800,000 per Policy Year
$1,000 per continuous 24 hours
宏利晉逸自願醫保附加保障 - 優選HKD + USD
- VHIS cert no.
- F00071-17-000-01F00071-18-000-01F00071-19-000-01F00071-20-000-01F00071-21-000-01F00071-22-000-01F00071-23-000-01F00071-24-000-01
- Plan Type
- Flexi
- Main coverage region
- Worldwide (excluding United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$30,000,000(US$3,750,000)
- Lifetime benefit limit
- HK$120,000,000(US$15,000,000)
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- HKD$0 / $25K / $50K / $100KUSDUS$0 / US$3,125 / US$6,250 / US$13K
- Deductible reduction at specified ages
- 50, 55, 60, 65, 70, 75, 80, 85 years Once per lifetime · no fresh underwriting Reduce or remove the deductible 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 All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure 1 outpatient visit or Emergency consultation more than 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 within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Major or Complex performed during Confinement
- (l) 精神科治療
- Full reimbursement
Extra Benefits
- 指定重建手術保障
- $280,000(US$35,000)
- 復康保障
- $88,000(US$11,000)
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Specified items: HK$800,000 (US$100,000) per Policy Yearother items: HK$200,000 (US$25,000) per Policy Year
- 器官移植的捐贈者保障
- HK$880,000 per living organ donor surgery(US$110,000)
- 懷孕併發症
- Full reimbursement
- 保障限額重置
- Once per policy maximum
- 意外牙科治療
- Full reimbursementof Eligible Expenses within 14 days of the Accident
- 意外急症門診治療費用賠償
- Full reimbursementof Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursementof Eligible Expenses, maximum 90 days per Policy Year, up to 2 visits per day
- 善終服務
- $132,000(US$16,500)
- 家中看護
- Full reimbursementUp to 2 visits per day, maximum 90 days per Policy Year, nurse visits within the post-discharge window after surgery or Intensive Care Unit stay
- 出院後 / 日間手術後的中醫門診治療
- HK$800 per visitUp to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure(US$100)
- 出院後 / 日間手術後的額外門診輔助治療
- HK$1,600 per visitup to 1 per day, maximum 30 visits per Policy YearFollow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureFollow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during ConfinementApplicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only(US$200)
- 受保癌症非傳統治療
- $1,200,000(US$150,000)
- 隔離病房費
- —
Cash Benefits
- 第二索償現金津貼
- —
- 日間手術現金惠益
- $1,600(US$200)
- 較低級別病房現金保障
- $1,600(US$200)
Event Benefits
- 恩恤身故賠償
- $80,000(US$10,000)
- 意外身故賠償
- $80,000(US$10,000)
- 醫療意外事故保障
- —
Once per lifetime · no fresh underwriting Apply within 31 days before renewal nearest the birthday; a zero-deductible option is guaranteed. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
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 regardless of surgical category
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses; Coinsurance: 0%
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses, for the consultations specified below (excluding chiropractic, physiotherapy, occupational therapy or speech therapy): • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • 1 outpatient visit or Emergency consultation more than 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 within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Major or Complex performed during Confinement
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses • Up to 2 visits per day, maximum 90 days per Policy Year, nurse visits within the post-discharge window after surgery or Intensive Care Unit stay
Specified items: $800,000 per Policy Year; other items: $200,000 per Policy Year
$1,600 per visit, up to 1 per day, maximum 30 visits per Policy Year • Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement • Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses • Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only • as recommended in writing by the attending Registered Medical Practitioner • Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted
$800 per visit • Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$280,000 per specified cancer surgery
$88,000 per Policy Year
$880,000 per living organ donor surgery
$132,000 per Policy Year
Full reimbursement of Eligible Expenses
$80,000
$80,000
Full reimbursement of Eligible Expenses
$1,600 per day
$1,200,000 per Policy Year
$1,600 per continuous 24 hours
宏利晉悅自願醫保靈活計劃 - 智選
- VHIS cert no.
- F00041-06-000-03F00041-07-000-03F00041-08-000-03F00041-09-000-03
- Plan Type
- Flexi
- Main coverage region
- Asia incl. AU/NZ
- 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 / $23K / $45K / $100K
- Deductible reduction at specified ages
- 50, 55, 60, 65, 70, 75, 80, 85 years Once per lifetime · no fresh underwriting Reduce or remove the deductible 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 All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure 1 outpatient visit(s) or Emergency consultation(s) more than 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 within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement/Day Case Procedure All follow-up outpatient visits per Confinement/Day Case Procedure as a direct result of Designated Critical Illnesses (within 365 days after discharge from Hospital or completion of Day Case Procedure) Maximum 3 follow-up outpatient visits in total per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
- (l) 精神科治療
- Full reimbursement
Extra Benefits
- 指定重建手術保障
- $200,000
- 復康保障
- $50,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- $800,000
- 器官移植的捐贈者保障
- $640,000
- 懷孕併發症
- Full reimbursement
- 保障限額重置
- Once per policy maximum
- 意外牙科治療
- Full reimbursementof Eligible Expenses within 14 days of the Accident
- 意外急症門診治療費用賠償
- Full reimbursementof Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursementof Eligible Expenses, maximum 30 days per Policy Year, up to 2 visits per day
- 善終服務
- $80,000
- 家中看護
- Full reimbursementUp to 2 visits per day, maximum 30 days per Policy Year, nurse visits within the post-discharge window after surgery or Intensive Care Unit stay
- 出院後 / 日間手術後的中醫門診治療
- HK$600 per visitUp to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits 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
- HK$1,000 per visitup to 1 per day, maximum 30 visits per Policy YearFollow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureFollow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during ConfinementApplicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only
- 受保癌症非傳統治療
- $800,000
- 隔離病房費
- —
Cash Benefits
- 第二索償現金津貼
- —
- 日間手術現金惠益
- $1,000
- 較低級別病房現金保障
- —
Event Benefits
- 恩恤身故賠償
- $80,000
- 意外身故賠償
- $80,000
- 醫療意外事故保障
- —
Once per lifetime · no fresh underwriting Apply within 31 days before renewal nearest the birthday; a zero-deductible option is guaranteed. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
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 regardless of surgical category
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses; Coinsurance: 0%
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses, for the consultations specified below (excluding chiropractic treatment, physiotherapy, occupational therapy or speech therapy): • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • 1 outpatient visit(s) or Emergency consultation(s) more than 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 within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement/Day Case Procedure • All follow-up outpatient visits per Confinement/Day Case Procedure as a direct result of Designated Critical Illnesses (within 365 days after discharge from Hospital or completion of Day Case Procedure) Full cover for chiropractic treatment, physiotherapy, occupational therapy or speech therapy: • Maximum 3 follow-up outpatient visits in total per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses • Up to 2 visits per day, maximum 30 days per Policy Year, nurse visits within the post-discharge window after surgery or Intensive Care Unit stay
Specified items: $800,000 per Policy Year; other items: $200,000 per Policy Year
$1,000 per visit, up to 1 per day, maximum 30 visits per Policy Year • Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement • Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses • Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only • as recommended in writing by the attending Registered Medical Practitioner • Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted
$600 per visit • Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$200,000 per specified cancer surgery
$50,000 per Policy Year
$640,000 per living organ donor surgery
$80,000 per Policy Year
Full reimbursement of Eligible Expenses
$80,000
$80,000
Full reimbursement of Eligible Expenses
$1,000 per day
$800,000 per Policy Year
宏利晉悅自願醫保靈活計劃 - 精選
- VHIS cert no.
- F00041-01-000-06F00041-02-000-06F00041-03-000-06F00041-04-000-04F00041-05-000-03
- Plan Type
- Flexi
- Main coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$12,000,000
- Lifetime benefit limit
- HK$60,000,000
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- $0 / $8,000 / $23K / $45K / $100K
- Deductible reduction at specified ages
- 50, 55, 60, 65, 70, 75, 80, 85 years Once per lifetime · no fresh underwriting Reduce or remove the deductible 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 All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure 1 outpatient visit(s) or Emergency consultation(s) more than 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 within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement/Day Case Procedure All follow-up outpatient visits per Confinement/Day Case Procedure as a direct result of Designated Critical Illnesses (within 365 days after discharge from Hospital or completion of Day Case Procedure) Maximum 3 follow-up outpatient visits in total per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
- (l) 精神科治療
- Full reimbursement
Extra Benefits
- 指定重建手術保障
- $200,000
- 復康保障
- $50,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- $800,000
- 器官移植的捐贈者保障
- $640,000
- 懷孕併發症
- Full reimbursement
- 保障限額重置
- Once per policy maximum
- 意外牙科治療
- Full reimbursementof Eligible Expenses within 14 days of the Accident
- 意外急症門診治療費用賠償
- Full reimbursementof Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursementof Eligible Expenses, maximum 30 days per Policy Year, up to 2 visits per day
- 善終服務
- $80,000
- 家中看護
- Full reimbursementUp to 2 visits per day, maximum 30 days per Policy Year, nurse visits within the post-discharge window after surgery or Intensive Care Unit stay
- 出院後 / 日間手術後的中醫門診治療
- HK$600 per visitUp to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits 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
- HK$1,000 per visitup to 1 per day, maximum 30 visits per Policy YearFollow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureFollow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during ConfinementApplicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only
- 受保癌症非傳統治療
- $800,000
- 隔離病房費
- —
Cash Benefits
- 第二索償現金津貼
- —
- 日間手術現金惠益
- $1,000
- 較低級別病房現金保障
- $1,000
Event Benefits
- 恩恤身故賠償
- $80,000
- 意外身故賠償
- $80,000
- 醫療意外事故保障
- —
Once per lifetime · no fresh underwriting Apply within 31 days before renewal nearest the birthday; a zero-deductible option is guaranteed. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
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 regardless of surgical category
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses; Coinsurance: 0%
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses, for the consultations specified below (excluding chiropractic treatment, physiotherapy, occupational therapy or speech therapy): • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • 1 outpatient visit(s) or Emergency consultation(s) more than 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 within 365 days after discharge from Hospital or completion of Day Case Procedure for surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during Confinement/Day Case Procedure • All follow-up outpatient visits per Confinement/Day Case Procedure as a direct result of Designated Critical Illnesses (within 365 days after discharge from Hospital or completion of Day Case Procedure) Full cover for chiropractic treatment, physiotherapy, occupational therapy or speech therapy: • Maximum 3 follow-up outpatient visits in total per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses • Up to 2 visits per day, maximum 30 days per Policy Year, nurse visits within the post-discharge window after surgery or Intensive Care Unit stay
Specified items: $800,000 per Policy Year; other items: $200,000 per Policy Year
$1,000 per visit, up to 1 per day, maximum 30 visits per Policy Year • Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement • Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses • Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only • as recommended in writing by the attending Registered Medical Practitioner • Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted
$600 per visit • Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$200,000 per specified cancer surgery
$50,000 per Policy Year
$640,000 per living organ donor surgery
$80,000 per Policy Year
Full reimbursement of Eligible Expenses
$80,000
$80,000
Full reimbursement of Eligible Expenses
$1,000 per day
$800,000 per Policy Year
$1,000 per continuous 24 hours
宏利晉悅自願醫保靈活計劃 - 優選
- VHIS cert no.
- F00041-10-000-01F00041-11-000-01F00041-12-000-01F00041-13-000-01F00041-14-000-01
- Plan Type
- Flexi
- Main coverage region
- Worldwide (excluding United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$30,000,000
- Lifetime benefit limit
- HK$120,000,000
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $8,000 / $23K / $45K / $100K
- Deductible reduction at specified ages
- 50, 55, 60, 65, 70, 75, 80, 85 years Once per lifetime · no fresh underwriting Reduce or remove the deductible 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 All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure 1 outpatient visit(s) or Emergency consultation(s) more than 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
- (l) 精神科治療
- Full reimbursement
Extra Benefits
- 指定重建手術保障
- $280,000
- 復康保障
- $88,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- $800,000
- 器官移植的捐贈者保障
- $880,000
- 懷孕併發症
- Full reimbursement
- 保障限額重置
- Once per policy maximum
- 意外牙科治療
- Full reimbursementof Eligible Expenses within 14 days of the Accident
- 意外急症門診治療費用賠償
- Full reimbursementof Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursementof Eligible Expenses, maximum 90 days per Policy Year, up to 2 visits per day
- 善終服務
- $132,000
- 家中看護
- Full reimbursementUp to 2 visits per day, maximum 90 days per Policy Year, nurse visits within the post-discharge window after surgery or Intensive Care Unit stay
- 出院後 / 日間手術後的中醫門診治療
- HK$800 per visitUp to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits 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
- HK$1,600 per visitup to 1 per day, maximum 30 visits per Policy YearFollow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureFollow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during ConfinementApplicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only
- 受保癌症非傳統治療
- $1,200,000
- 隔離病房費
- —
Cash Benefits
- 第二索償現金津貼
- —
- 日間手術現金惠益
- $1,600
- 較低級別病房現金保障
- $1,600
Event Benefits
- 恩恤身故賠償
- $80,000
- 意外身故賠償
- $80,000
- 醫療意外事故保障
- —
Once per lifetime · no fresh underwriting Apply within 31 days before renewal nearest the birthday; a zero-deductible option is guaranteed. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
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 regardless of surgical category
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses; Coinsurance: 0%
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses, for the consultations specified below (excluding chiropractic treatment, physiotherapy, occupational therapy or speech therapy): • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure • 1 outpatient visit(s) or Emergency consultation(s) more than 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
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses • Up to 2 visits per day, maximum 90 days per Policy Year, nurse visits within the post-discharge window after surgery or Intensive Care Unit stay
Specified items: $800,000 per Policy Year; other items: $200,000 per Policy Year
$1,600 per visit, up to 1 per day, maximum 30 visits per Policy Year • Follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure • Follow-up outpatient visits within 365 days after discharge from Hospital following surgeries categorised as Major or Complex performed during Confinement • Follow-up outpatient visits after Confinement/Day Case Procedure directly resulting from specified critical illnesses • Applicable to chiropractic treatment, physiotherapy, occupational therapy or speech therapy only • as recommended in writing by the attending Registered Medical Practitioner • Payable only after the visit-count limit for these therapies under basic benefit (k) is exhausted
$800 per visit • Up to 1 visit per day, maximum 20 visits per Policy Year, follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
$280,000 per specified cancer surgery
$88,000 per Policy Year
$880,000 per living organ donor surgery
$132,000 per Policy Year
Full reimbursement of Eligible Expenses
$80,000
$80,000
Full reimbursement of Eligible Expenses
$1,600 per day
$1,200,000 per Policy Year
$1,600 per continuous 24 hours
“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.