Allianz Ultra Medical Protect - Silver Plan

安聯特級醫療保障 - 銀計劃

Allianz Global Corporate & Specialty SE

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Your premium

HK$4,872 /yr

age

Ward class

Ward

Coverage region

Asia

Deductible

—

Annual benefit limit

HK$500,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

—

Benefits

Full benefit schedule · grouped by basic / extra / cash / event

Benefit Item	Limit
Basic Benefits
(a) Room and board (a) 病房及膳食	每日$1,500 每保單年度最多180日
(b) Miscellaneous charges (b) 雜項開支	每保單年度$50,000
(c) Attending doctor's visit fee (c) 主診醫生巡房費	每日$1,500 每保單年度最多180日
(d) Specialist's fee (d) 專科醫生費	每保單年度$6,000
(e) Intensive care (e) 深切治療	每日$4,000 每保單年度最多25日
Surgeon's fee — Minor 外科醫生費 — 小型	$50,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$50,000
Surgeon's fee — Major 外科醫生費 — 大型	$50,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	外科醫生費的35%
(h) Operating theatre charges (h) 手術室費	外科醫生費的35%
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	每保單年度 $20,000 設20%共同保險
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	每保單年度 $100,000
(k) Pre- and post-Confinement / Day Case Procedure outpatient care (k) 入院前或出院後／日間手術前後的門診護理	每保單年度 $3,000住院 / 日間手術前最多1次門診或急症診症出院 / 日間手術後90日內最多3次跟進門診
(l) Psychiatric treatments (l) 精神科治療	每保單年度 $30,000
Extra Benefits
Emergency outpatient treatment for Accident 緊急門診治療	每保單年度 $3,000
Outpatient kidney dialysis 門診洗腎	每保單年度 $100,000
Hospital companion bed fee reimbursement 陪伴床位	每日全額賠償每保單年度最多180日R&C
Private nursing fee (during Confinement) 私家看護	每日$500 每保單年度最多180日
Daily post-surgery home nursing benefit 家庭看護	每日$500 出院或日間手術結束後30天內

Basic Benefits

(a) Room and board
(a) 病房及膳食
每日$1,500 每保單年度最多180日
(b) Miscellaneous charges
(b) 雜項開支
每保單年度$50,000
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
每日$1,500 每保單年度最多180日
(d) Specialist's fee
(d) 專科醫生費
每保單年度$6,000
(e) Intensive care
(e) 深切治療
每日$4,000 每保單年度最多25日
Surgeon's fee — Minor
外科醫生費 — 小型
$50,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$50,000
Surgeon's fee — Major
外科醫生費 — 大型
$50,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
外科醫生費的35%
(h) Operating theatre charges
(h) 手術室費
外科醫生費的35%
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
每保單年度 $20,000 設20%共同保險
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
每保單年度 $100,000
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
(k) 入院前或出院後／日間手術前後的門診護理
每保單年度 $3,000住院 / 日間手術前最多1次門診或急症診症出院 / 日間手術後90日內最多3次跟進門診
(l) Psychiatric treatments
(l) 精神科治療
每保單年度 $30,000

Extra Benefits

Emergency outpatient treatment for Accident
緊急門診治療
每保單年度 $3,000
Outpatient kidney dialysis
門診洗腎
每保單年度 $100,000
Hospital companion bed fee reimbursement
陪伴床位
每日全額賠償每保單年度最多180日R&C
Private nursing fee (during Confinement)
私家看護
每日$500 每保單年度最多180日
Daily post-surgery home nursing benefit
家庭看護
每日$500 出院或日間手術結束後30天內

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$10,056	HK$8,844
1	HK$8,748	HK$7,644
2	HK$7,440	HK$6,288
3	HK$6,336	HK$5,184
4	HK$5,400	HK$4,284
5	HK$5,088	HK$4,296
6	HK$4,392	HK$3,648
7	HK$3,828	HK$3,168
8	HK$3,396	HK$2,844
9	HK$3,072	HK$2,640
10	HK$2,760	HK$2,364
11	HK$2,604	HK$2,352
12	HK$2,520	HK$2,412
13	HK$2,496	HK$2,520
14	HK$2,520	HK$2,664
15	HK$2,508	HK$2,820
16	HK$2,592	HK$3,012
17	HK$2,700	HK$3,216
18	HK$2,832	HK$3,444
19	HK$2,964	HK$3,660
20	HK$3,132	HK$3,984
21	HK$3,288	HK$4,212
22	HK$3,432	HK$4,440
23	HK$3,588	HK$4,656
24	HK$3,744	HK$4,872
25	HK$3,984	HK$5,196
26	HK$4,128	HK$5,388
27	HK$4,260	HK$5,592
28	HK$4,392	HK$5,772
29	HK$4,512	HK$5,952
30	HK$4,872	HK$6,588
31	HK$4,992	HK$6,768
32	HK$5,100	HK$6,936
33	HK$5,220	HK$7,116
34	HK$5,340	HK$7,296
35	HK$5,604	HK$7,716
36	HK$5,736	HK$7,896
37	HK$5,868	HK$8,088
38	HK$6,012	HK$8,292
39	HK$6,180	HK$8,520
40	HK$6,408	HK$8,832
41	HK$6,588	HK$9,120
42	HK$6,804	HK$9,384
43	HK$7,044	HK$9,660
44	HK$7,320	HK$9,960
45	HK$7,872	HK$10,668
46	HK$8,208	HK$10,992
47	HK$8,580	HK$11,340
48	HK$8,988	HK$11,712
49	HK$9,444	HK$12,096
50	HK$9,888	HK$12,492
51	HK$10,392	HK$12,888
52	HK$10,944	HK$13,320
53	HK$11,544	HK$13,752
54	HK$12,192	HK$14,196
55	HK$12,924	HK$14,640
56	HK$13,644	HK$15,120
57	HK$14,400	HK$15,624
58	HK$15,216	HK$16,164
59	HK$16,068	HK$16,716
60	HK$16,788	HK$16,896
61	HK$17,628	HK$17,244
62	HK$18,528	HK$17,832
63	HK$19,476	HK$18,432
64	HK$20,448	HK$19,080
65	HK$22,656	HK$20,688
66	HK$23,664	HK$21,408
67	HK$24,660	HK$22,176
68	HK$25,668	HK$23,016
69	HK$26,736	HK$23,856
70	HK$28,764	HK$25,668
71	HK$29,832	HK$26,664
72	HK$30,924	HK$27,684
73	HK$32,028	HK$28,752
74	HK$33,156	HK$29,844
75	HK$35,364	HK$31,812
76	HK$36,564	HK$32,988
77	HK$37,752	HK$34,164
78	HK$38,916	HK$35,328
79	HK$40,044	HK$36,468
80	HK$41,844	HK$37,944
81	HK$42,960	HK$39,084
82	HK$44,052	HK$40,212
83	HK$44,940	HK$41,232
84	HK$45,780	HK$42,228
85	HK$46,524	HK$43,032
86	HK$47,292	HK$43,968
87	HK$48,012	HK$44,856
88	HK$48,684	HK$45,720
89	HK$49,308	HK$46,524
90	HK$49,044	HK$46,248
91	HK$49,548	HK$46,956
92	HK$49,992	HK$47,616
93	HK$50,376	HK$48,204
94	HK$50,700	HK$48,744
95	HK$50,988	HK$49,224
96	HK$51,168	HK$49,632
97	HK$51,288	HK$49,980
98	HK$51,348	HK$50,256
99	HK$51,396	HK$50,460

Other deductible options in this series

4 deductibles — same benefit schedule, premium scales with deductible

Silver Plan

Current page

Silver Plan with SMM

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Gold Plan

View details →

Gold Plan with SMM

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Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Apr 1, 2021
Last verified: 2026-04-25

Terms and premiums on this page reflect the latest documents published by each insurer and the Insurance Authority's VHIS platform. In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.