Allianz Ultra Medical Protect - Gold Plan

安聯特級醫療保障 - 金計劃

Allianz Global Corporate & Specialty SE

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Your premium

HK$6,924 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia

Deductible

—

Annual benefit limit

HK$1,000,000

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$2,500 每保單年度最多180日
(b) Miscellaneous charges (b) 雜項開支	每保單年度$100,000
(c) Attending doctor's visit fee (c) 主診醫生巡房費	每日$2,500 每保單年度最多180日
(d) Specialist's fee (d) 專科醫生費	每保單年度$12,000
(e) Intensive care (e) 深切治療	每日$5,000 每保單年度最多25日
Surgeon's fee — Minor 外科醫生費 — 小型	$100,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$100,000
Surgeon's fee — Major 外科醫生費 — 大型	$100,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$100,000
(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 $25,000 設10%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 $150,000
(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 $7,000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 $7,000
Outpatient kidney dialysis 門診洗腎	每保單年度 $150,000
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$1,000 每保單年度最多180日
Daily post-surgery home nursing benefit 家庭看護	每日$1,000 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$2,500 每保單年度最多180日
(b) Miscellaneous charges
(b) 雜項開支
每保單年度$100,000
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
每日$2,500 每保單年度最多180日
(d) Specialist's fee
(d) 專科醫生費
每保單年度$12,000
(e) Intensive care
(e) 深切治療
每日$5,000 每保單年度最多25日
Surgeon's fee — Minor
外科醫生費 — 小型
$100,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$100,000
Surgeon's fee — Major
外科醫生費 — 大型
$100,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$100,000
(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 $25,000 設10%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 $150,000
(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 $7,000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 $7,000
Outpatient kidney dialysis
門診洗腎
每保單年度 $150,000
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$1,000 每保單年度最多180日
Daily post-surgery home nursing benefit
家庭看護
每日$1,000 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$14,640	HK$12,912
1	HK$12,684	HK$11,076
2	HK$10,764	HK$9,096
3	HK$9,132	HK$7,476
4	HK$7,764	HK$6,156
5	HK$7,272	HK$6,132
6	HK$6,252	HK$5,184
7	HK$5,436	HK$4,488
8	HK$4,800	HK$4,008
9	HK$4,320	HK$3,720
10	HK$3,876	HK$3,336
11	HK$3,660	HK$3,324
12	HK$3,540	HK$3,396
13	HK$3,504	HK$3,564
14	HK$3,540	HK$3,780
15	HK$3,516	HK$3,984
16	HK$3,636	HK$4,272
17	HK$3,804	HK$4,584
18	HK$3,996	HK$4,908
19	HK$4,200	HK$5,244
20	HK$4,440	HK$5,688
21	HK$4,656	HK$6,024
22	HK$4,884	HK$6,348
23	HK$5,112	HK$6,672
24	HK$5,340	HK$6,996
25	HK$5,664	HK$7,452
26	HK$5,880	HK$7,752
27	HK$6,072	HK$8,040
28	HK$6,264	HK$8,316
29	HK$6,456	HK$8,592
30	HK$6,924	HK$9,444
31	HK$7,104	HK$9,708
32	HK$7,284	HK$9,960
33	HK$7,452	HK$10,224
34	HK$7,632	HK$10,488
35	HK$7,980	HK$11,076
36	HK$8,160	HK$11,340
37	HK$8,364	HK$11,628
38	HK$8,580	HK$11,940
39	HK$8,820	HK$12,264
40	HK$9,144	HK$12,744
41	HK$9,420	HK$13,188
42	HK$9,720	HK$13,560
43	HK$10,092	HK$13,980
44	HK$10,500	HK$14,424
45	HK$11,256	HK$15,384
46	HK$11,760	HK$15,876
47	HK$12,300	HK$16,392
48	HK$12,924	HK$16,944
49	HK$13,596	HK$17,520
50	HK$14,208	HK$18,036
51	HK$14,964	HK$18,636
52	HK$15,780	HK$19,272
53	HK$16,680	HK$19,920
54	HK$17,640	HK$20,580
55	HK$18,684	HK$21,228
56	HK$19,752	HK$21,936
57	HK$20,868	HK$22,680
58	HK$22,092	HK$23,484
59	HK$23,352	HK$24,312
60	HK$24,372	HK$24,528
61	HK$25,608	HK$25,008
62	HK$26,952	HK$25,884
63	HK$28,380	HK$26,784
64	HK$29,820	HK$27,732
65	HK$32,904	HK$29,892
66	HK$34,416	HK$30,936
67	HK$35,928	HK$32,064
68	HK$37,440	HK$33,312
69	HK$39,036	HK$34,548
70	HK$41,844	HK$37,008
71	HK$43,452	HK$38,484
72	HK$45,072	HK$39,996
73	HK$46,716	HK$41,580
74	HK$48,396	HK$43,200
75	HK$51,504	HK$45,972
76	HK$53,292	HK$47,712
77	HK$55,068	HK$49,452
78	HK$56,784	HK$51,168
79	HK$58,488	HK$52,872
80	HK$61,164	HK$55,128
81	HK$62,820	HK$56,820
82	HK$64,440	HK$58,476
83	HK$65,748	HK$59,988
84	HK$66,996	HK$61,452
85	HK$68,232	HK$62,796
86	HK$69,372	HK$64,176
87	HK$70,428	HK$65,508
88	HK$71,424	HK$66,768
89	HK$72,336	HK$67,980
90	HK$72,216	HK$67,920
91	HK$72,960	HK$68,976
92	HK$73,620	HK$69,948
93	HK$74,184	HK$70,836
94	HK$74,652	HK$71,640
95	HK$75,060	HK$72,336
96	HK$75,336	HK$72,948
97	HK$75,504	HK$73,464
98	HK$75,576	HK$73,872
99	HK$75,648	HK$74,184

Other deductible options in this series

4 deductibles — same benefit schedule, premium scales with deductible

Silver Plan

View details →

Silver Plan with SMM

View details →

Gold Plan

Current page

Gold Plan with SMM

View details →

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.