ByCompany

MSIG Insurance (Hong Kong) Limited — same-insurer plan comparison

MSIG Insurance (Hong Kong) Limited · 7 plan series (7 variants, HKD/USD merged, sorted from basic to comprehensive)

Per-plan benefit prose falls back to Traditional Chinese where the source PDF was not translated.

7/7

VHIS Standard Care

自願醫保計劃-適健保

Ver. Apr 1, 2021

Score59/100

StandardCat 1Ward: N/ARegion: Worldwide

VHIS Cert. No.: S00029-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: —

VHIS Prestige Care - Plan B

自願醫保計劃-優健保 - 計劃 B

Ver. Apr 1, 2021

Score83/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00023-02-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$750,000
Per-illness limit: —
SMM Supplemental Major Medical: —

VHIS Prestige Care - Plan B with SMM

自願醫保計劃-優健保 - 計劃 B+附加額外醫療保障

Ver. Apr 1, 2021

Score83/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00023-02-001-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$750,000
Per-illness limit: —
SMM Supplemental Major Medical: $300,000 · 20% co-insurance

VHIS Prestige Care - Plan A

自願醫保計劃-優健保 - 計劃 A

Ver. Apr 1, 2021

Score80/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00023-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$500,000
Per-illness limit: —
SMM Supplemental Major Medical: —

VHIS Prestige Care - Plan A with SMM

自願醫保計劃-優健保 - 計劃 A+附加額外醫療保障

Ver. Apr 1, 2021

Score80/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00023-01-001-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$500,000
Per-illness limit: —
SMM Supplemental Major Medical: $200,000 · 20% co-insurance

VHIS Prestige Care - Plan C

自願醫保計劃-優健保 - 計劃 C

Ver. Apr 1, 2021

Score94/100

FlexiCat 3Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00023-03-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$6,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

VHIS Prestige Care - Plan C with SMM

自願醫保計劃-優健保 - 計劃 C+附加額外醫療保障

Ver. Apr 1, 2021

Score94/100

FlexiCat 3Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00023-03-001-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$6,000,000
Per-illness limit: —
SMM Supplemental Major Medical: $600,000 · 20% co-insurance

Deductible Options

計劃名稱

VHIS Standard Care

自願醫保計劃-適健保

Cat 1

Ver. Apr 1, 2021

VHIS Cert. No.

S00029-01-000-02Benefits PDFPremiums PDF

Coverage Score

59/100

Plan Type

Standard

Coverage region

Worldwide

Ward class

N/A (capped)

Lifetime benefit limit

—

Annual benefit limit

HK$420,000

Per-illness benefit limit

—

SMM Supplemental Major Medical

—

Deductible Options

—

Basic Benefits Basic

(a) Room and board

$750 per day, maximum 180 days per Policy Year

(b) Miscellaneous charges

$14,000 per Policy Year

$750 per day, maximum 180 days per Policy Year

(d) Specialist's fee

$4,300 per Policy Year

(e) Intensive care

$3,500 per day, maximum 25 days per Policy Year

(f) Surgeon's fee

—

(f) Surgeon's fee — Minor

$ 5,000

(f) Surgeon's fee — Intermediate

$12,500

(f) Surgeon's fee — Major

$25,000

(f) Surgeon's fee — Complex

$50,000

(g) Anaesthetist's fee

35% of Surgeon's fee payable

(h) Operating theatre charges

35% of Surgeon's fee payable

(i) Prescribed Diagnostic Imaging Tests

$20,000 per Policy Year. Subject to 30% Coinsurance.

(j) Prescribed Non-surgical Cancer Treatments

$80,000 per Policy Year

(k) Pre- and post-Confinement / Day Case Procedure outpatient care

$580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

(l) Psychiatric treatments

$30,000 per Policy Year

Extra Benefits Extra

Daily post-surgery home nursing benefit

—

Outpatient kidney dialysis

—

Cancer / cardiac / stroke rehabilitation benefit

—

Emergency overseas medical supplementary benefit

—

Hospital companion bed fee reimbursement

—

Cash Benefits Cash

Day surgery cash benefit

—

Second-claim cash allowance

—

計劃 1 / 7

自願醫保計劃-適健保

VHIS Standard Care

標準Cat 1Ver. Apr 1, 2021保障評分 59/100

VHIS 認可編號: S00029-01-000-02
計劃類別: 標準
保障地域範圍: 全球 Worldwide
病房級別: 不適用（受賠償上限規限）
每年賠償限額: HK$420,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $750 per day, maximum 180 days per Policy Year
(b) 雜項開支: $14,000 per Policy Year
(c) 主診醫生巡房費: $750 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $3,500 per day, maximum 25 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $ 5,000
(f) 外科醫生費 — 中型: $12,500
(f) 外科醫生費 — 大型: $25,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

家中看護: —
門診洗腎: —
復康保障: —
海外緊急醫療額外保障: —
住院陪床: —

現金保障 Cash

日間手術現金惠益: —
第二索償現金津貼: —

計劃 2 / 7

自願醫保計劃-優健保 - 計劃 B

VHIS Prestige Care - Plan B

靈活Cat 1Ver. Apr 1, 2021保障評分 83/100

VHIS 認可編號: F00023-02-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$750,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $2,800 per day, maximum 180 days per Policy Year
(b) 雜項開支: Full reimbursement of Eligible Expenses
(c) 主診醫生巡房費: $2,800 per day, maximum 180 days per Policy Year
(d) 專科醫生費: Full reimbursement of Eligible Expenses
(e) 深切治療: Full reimbursement of Eligible Expenses
(f) 外科醫生費: Full reimbursement of Eligible Expenses
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement of Eligible Expenses
(h) 手術室費: Full reimbursement of Eligible Expenses
(i) 訂明診斷成像檢測: $30,000 per Policy Year. Subject to 20% Coinsurance.
(j) 訂明非手術癌症治療: $150,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $1,000 per visit, $5,000 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: $40,000 per Policy Year

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses, maximum 180 days per Policy Year
門診洗腎: $150,000 per Policy Year
復康保障: Subject to 20% Coinsurance. $800, per visit; for each of the following services, maximum 5 visits per Policy Year(i) Psychological counselling (consultation fee only);(ii) Dietitian consultation (consultation fee only);(iii) Speech therapy (treatment fee only);(iv) Occupational therapy (treatment fee only);(v) Chinese medicine and acupuncture treatments
海外緊急醫療額外保障: Not applicable
住院陪床: Full reimbursement of Eligible Expenses

現金保障 Cash

日間手術現金惠益: $1,000
第二索償現金津貼: $1,000

計劃 3 / 7

自願醫保計劃-優健保 - 計劃 B+附加額外醫療保障

VHIS Prestige Care - Plan B with SMM

靈活Cat 1Ver. Apr 1, 2021保障評分 83/100

VHIS 認可編號: F00023-02-001-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$750,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $300,000 · 20% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $2,800 per day, maximum 180 days per Policy Year
(b) 雜項開支: Full reimbursement of Eligible Expenses
(c) 主診醫生巡房費: $2,800 per day, maximum 180 days per Policy Year
(d) 專科醫生費: Full reimbursement of Eligible Expenses
(e) 深切治療: Full reimbursement of Eligible Expenses
(f) 外科醫生費: Full reimbursement of Eligible Expenses
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement of Eligible Expenses
(h) 手術室費: Full reimbursement of Eligible Expenses
(i) 訂明診斷成像檢測: $30,000 per Policy Year. Subject to 20% Coinsurance.
(j) 訂明非手術癌症治療: $150,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $1,000 per visit, $5,000 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: $40,000 per Policy Year

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses, maximum 180 days per Policy Year
門診洗腎: $150,000 per Policy Year
復康保障: Subject to 20% Coinsurance. $800, per visit; for each of the following services, maximum 5 visits per Policy Year(i) Psychological counselling (consultation fee only);(ii) Dietitian consultation (consultation fee only);(iii) Speech therapy (treatment fee only);(iv) Occupational therapy (treatment fee only);(v) Chinese medicine and acupuncture treatments
海外緊急醫療額外保障: Not applicable
住院陪床: Full reimbursement of Eligible Expenses

現金保障 Cash

日間手術現金惠益: $1,000
第二索償現金津貼: $1,000

計劃 4 / 7

自願醫保計劃-優健保 - 計劃 A

VHIS Prestige Care - Plan A

靈活Cat 1Ver. Apr 1, 2021保障評分 80/100

VHIS 認可編號: F00023-01-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$500,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $2,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: Full reimbursement of Eligible Expenses
(c) 主診醫生巡房費: $2,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: Full reimbursement of Eligible Expenses
(e) 深切治療: Full reimbursement of Eligible Expenses
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $32,000
(f) 外科醫生費 — 中型: $80,000
(f) 外科醫生費 — 大型: $160,000
(f) 外科醫生費 — 複雜: $320,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 20% Coinsurance.
(j) 訂明非手術癌症治療: $100,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $800 per visit, $4,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses, maximum 180 days per Policy Year
門診洗腎: $100,000 per Policy Year
復康保障: Subject to 20% Coinsurance. $600, per visit; for each of the following services, maximum 5 visits per Policy Year(i) Psychological counselling (consultation fee only);(ii) Dietitian consultation (consultation fee only);(iii) Speech therapy (treatment fee only);(iv) Occupational therapy (treatment fee only);(v) Chinese medicine and acupuncture treatments
海外緊急醫療額外保障: Not applicable
住院陪床: Full reimbursement of Eligible Expenses

現金保障 Cash

日間手術現金惠益: $1,000
第二索償現金津貼: $1,000

計劃 5 / 7

自願醫保計劃-優健保 - 計劃 A+附加額外醫療保障

VHIS Prestige Care - Plan A with SMM

靈活Cat 1Ver. Apr 1, 2021保障評分 80/100

VHIS 認可編號: F00023-01-001-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$500,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $200,000 · 20% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $2,000 per day, maximum 180 days per Policy Year
(b) 雜項開支: Full reimbursement of Eligible Expenses
(c) 主診醫生巡房費: $2,000 per day, maximum 180 days per Policy Year
(d) 專科醫生費: Full reimbursement of Eligible Expenses
(e) 深切治療: Full reimbursement of Eligible Expenses
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $32,000
(f) 外科醫生費 — 中型: $80,000
(f) 外科醫生費 — 大型: $160,000
(f) 外科醫生費 — 複雜: $320,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 20% Coinsurance.
(j) 訂明非手術癌症治療: $100,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $800 per visit, $4,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses, maximum 180 days per Policy Year
門診洗腎: $100,000 per Policy Year
復康保障: Subject to 20% Coinsurance. $600, per visit; for each of the following services, maximum 5 visits per Policy Year(i) Psychological counselling (consultation fee only);(ii) Dietitian consultation (consultation fee only);(iii) Speech therapy (treatment fee only);(iv) Occupational therapy (treatment fee only);(v) Chinese medicine and acupuncture treatments
海外緊急醫療額外保障: Not applicable
住院陪床: Full reimbursement of Eligible Expenses

現金保障 Cash

日間手術現金惠益: $1,000
第二索償現金津貼: $1,000

計劃 6 / 7

自願醫保計劃-優健保 - 計劃 C

VHIS Prestige Care - Plan C

靈活Cat 3Ver. Apr 1, 2021保障評分 94/100

VHIS 認可編號: F00023-03-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 私家病房 Private
每年賠償限額: HK$6,000,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0

基本保障 Basic

(a) 病房及膳食: $3,900 per day, maximum 180 days per Policy Year
(b) 雜項開支: Full reimbursement of Eligible Expenses
(c) 主診醫生巡房費: $3,900 per day, maximum 180 days per Policy Year
(d) 專科醫生費: Full reimbursement of Eligible Expenses
(e) 深切治療: Full reimbursement of Eligible Expenses
(f) 外科醫生費: Full reimbursement of Eligible Expenses
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement of Eligible Expenses
(h) 手術室費: Full reimbursement of Eligible Expenses
(i) 訂明診斷成像檢測: $40,000 per Policy Year. Subject to 20% Coinsurance.
(j) 訂明非手術癌症治療: $300,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $1,500 per visit, $7,500 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: $50,000 per Policy Year

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses, maximum 180 days per Policy Year
門診洗腎: $300,000 per Policy Year
復康保障: Subject to 20% Coinsurance. $1,000, per visit; for each of the following services, maximum 5 visits per Policy Year(i) Psychological counselling (consultation fee only);(ii) Dietitian consultation (consultation fee only);(iii) Speech therapy (treatment fee only);(iv) Occupational therapy (treatment fee only);(v) Chinese medicine and acupuncture treatments
海外緊急醫療額外保障: The Annual Benefit Limit under benefit items I (a) – (l) and II (a) – (d) will be increased to $6,000,000 per Policy Year
住院陪床: Full reimbursement of Eligible Expenses

現金保障 Cash

日間手術現金惠益: $1,000
第二索償現金津貼: $1,000

計劃 7 / 7

自願醫保計劃-優健保 - 計劃 C+附加額外醫療保障

VHIS Prestige Care - Plan C with SMM

靈活Cat 3Ver. Apr 1, 2021保障評分 94/100

VHIS 認可編號: F00023-03-001-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 私家病房 Private
每年賠償限額: HK$6,000,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $600,000 · 20% co-insurance
自付費選項: $0

基本保障 Basic

(a) 病房及膳食: $3,900 per day, maximum 180 days per Policy Year
(b) 雜項開支: Full reimbursement of Eligible Expenses
(c) 主診醫生巡房費: $3,900 per day, maximum 180 days per Policy Year
(d) 專科醫生費: Full reimbursement of Eligible Expenses
(e) 深切治療: Full reimbursement of Eligible Expenses
(f) 外科醫生費: Full reimbursement of Eligible Expenses
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement of Eligible Expenses
(h) 手術室費: Full reimbursement of Eligible Expenses
(i) 訂明診斷成像檢測: $40,000 per Policy Year. Subject to 20% Coinsurance.
(j) 訂明非手術癌症治療: $300,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $1,500 per visit, $7,500 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: $50,000 per Policy Year

額外保障 Extra

家中看護: Full reimbursement of Eligible Expenses, maximum 180 days per Policy Year
門診洗腎: $300,000 per Policy Year
復康保障: Subject to 20% Coinsurance. $1,000, per visit; for each of the following services, maximum 5 visits per Policy Year(i) Psychological counselling (consultation fee only);(ii) Dietitian consultation (consultation fee only);(iii) Speech therapy (treatment fee only);(iv) Occupational therapy (treatment fee only);(v) Chinese medicine and acupuncture treatments
海外緊急醫療額外保障: The Annual Benefit Limit under benefit items I (a) – (l) and II (a) – (d) will be increased to $6,000,000 per Policy Year
住院陪床: Full reimbursement of Eligible Expenses

現金保障 Cash

日間手術現金惠益: $1,000
第二索償現金津貼: $1,000