Allianz Medical Protect

安聯醫療保障

Allianz Global Corporate & Specialty SE

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Your premium

HK$2,292 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

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 $750 每保單年度最多 180 日
(b) Miscellaneous charges (b) 雜項開支	每保單年度 $14,000
(c) Attending doctor's visit fee (c) 主診醫生巡房費	每日 $750 每保單年度最多 180 日
(d) Specialist's fee (d) 專科醫生費	每保單年度 $4,300
(e) Intensive care (e) 深切治療	每日 $3,500 每保單年度最多 25 日
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
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 30% 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 $80,000
(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	每次 $580，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

Basic Benefits

(a) Room and board
(a) 病房及膳食
每日 $750 每保單年度最多 180 日
(b) Miscellaneous charges
(b) 雜項開支
每保單年度 $14,000
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
每日 $750 每保單年度最多 180 日
(d) Specialist's fee
(d) 專科醫生費
每保單年度 $4,300
(e) Intensive care
(e) 深切治療
每日 $3,500 每保單年度最多 25 日
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
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 30% 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 $80,000
(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
每次 $580，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

Premium Schedule

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

Age	Male	Female
0	HK$4,584	HK$3,816
1	HK$3,948	HK$3,216
2	HK$3,396	HK$2,712
3	HK$2,928	HK$2,304
4	HK$2,532	HK$1,968
5	HK$2,208	HK$1,692
6	HK$2,124	HK$1,860
7	HK$1,884	HK$1,668
8	HK$1,704	HK$1,524
9	HK$1,572	HK$1,428
10	HK$1,464	HK$1,380
11	HK$1,404	HK$1,368
12	HK$1,368	HK$1,380
13	HK$1,356	HK$1,416
14	HK$1,368	HK$1,476
15	HK$1,392	HK$1,548
16	HK$1,440	HK$1,632
17	HK$1,488	HK$1,728
18	HK$1,548	HK$1,824
19	HK$1,548	HK$1,824
20	HK$1,560	HK$1,836
21	HK$1,572	HK$1,836
22	HK$1,572	HK$1,836
23	HK$1,632	HK$1,848
24	HK$1,692	HK$1,920
25	HK$1,992	HK$2,532
26	HK$2,052	HK$2,616
27	HK$2,124	HK$2,712
28	HK$2,184	HK$2,808
29	HK$2,244	HK$2,892
30	HK$2,292	HK$2,976
31	HK$2,352	HK$3,060
32	HK$2,412	HK$3,144
33	HK$2,460	HK$3,240
34	HK$2,472	HK$3,336
35	HK$2,472	HK$3,348
36	HK$2,484	HK$3,348
37	HK$2,484	HK$3,360
38	HK$2,484	HK$3,468
39	HK$2,556	HK$3,576
40	HK$2,628	HK$3,696
41	HK$2,712	HK$3,804
42	HK$2,796	HK$3,924
43	HK$2,892	HK$4,056
44	HK$3,000	HK$4,200
45	HK$3,408	HK$4,680
46	HK$3,552	HK$4,836
47	HK$3,708	HK$5,004
48	HK$3,900	HK$5,172
49	HK$4,104	HK$5,340
50	HK$4,344	HK$5,520
51	HK$4,572	HK$5,712
52	HK$4,824	HK$5,916
53	HK$5,112	HK$6,120
54	HK$5,412	HK$6,348
55	HK$5,892	HK$6,492
56	HK$6,240	HK$6,720
57	HK$6,600	HK$6,960
58	HK$6,996	HK$7,224
59	HK$7,416	HK$7,476
60	HK$7,440	HK$7,620
61	HK$7,860	HK$7,896
62	HK$8,292	HK$8,184
63	HK$8,760	HK$8,484
64	HK$9,240	HK$8,796
65	HK$10,452	HK$8,880
66	HK$10,968	HK$9,192
67	HK$11,496	HK$9,528
68	HK$12,012	HK$9,876
69	HK$12,516	HK$10,224
70	HK$13,008	HK$11,052
71	HK$13,500	HK$11,448
72	HK$13,980	HK$11,880
73	HK$14,460	HK$12,348
74	HK$14,916	HK$12,852
75	HK$15,072	HK$12,936
76	HK$15,708	HK$13,464
77	HK$16,272	HK$13,992
78	HK$16,764	HK$14,508
79	HK$17,376	HK$15,012
80	HK$18,432	HK$16,092
81	HK$19,116	HK$16,584
82	HK$19,788	HK$17,064
83	HK$20,364	HK$17,460
84	HK$20,880	HK$17,844
85	HK$21,024	HK$18,120
86	HK$21,180	HK$18,396
87	HK$21,336	HK$18,684
88	HK$21,492	HK$18,984
89	HK$21,648	HK$19,272
90	HK$21,804	HK$19,584
91	HK$22,164	HK$19,872
92	HK$22,488	HK$20,124
93	HK$22,788	HK$20,364
94	HK$23,052	HK$20,556
95	HK$23,304	HK$20,724
96	HK$23,496	HK$20,868
97	HK$23,640	HK$20,964
98	HK$23,760	HK$21,036
99	HK$23,796	HK$21,072

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: 2026-04-17

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.