VHIS Flexi · F00038-01-000-02

Asia Elite - Semi-Private Room

亞洲尚選 - 半私家房間

Asia Insurance Company, Limited

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Your premium

HK$8,046 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia

Deductible

—

Annual benefit limit

HK$1,200,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

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	Full reimbursement of Eligible Expenses, maximum 180 days per Policy YearR&C
(b) Miscellaneous charges (b) 雜項開支	Full reimbursement of Eligible ExpensesR&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	Full reimbursement of Eligible Expenses, maximum 180 days per Policy YearR&C
(d) Specialist's fee (d) 專科醫生費	Full reimbursement of Eligible ExpensesR&C
(e) Intensive care (e) 深切治療	Full reimbursement of Eligible Expenses, maximum 30 days per Policy YearR&C
Surgeon's fee — Minor 外科醫生費 — 小型	$15,000  其他手術複雜全額保障  大型全額保障  中型全額保障  小型全額保障 R&C
Surgeon's fee — Intermediate 外科醫生費 — 中型	$25,000 
Surgeon's fee — Major 外科醫生費 — 大型	$50,000 
Surgeon's fee — Complex 外科醫生費 — 複雜	$100,000 
(g) Anaesthetist's fee (g) 麻醉科醫生費	Specified endoscopy procedures (not performed at a network day endoscopy centre): 35% of the applicable Surgeon's fee. For other surgeries: Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges (h) 手術室費	Specified endoscopy procedures (not performed at a network day endoscopy centre): 35% of the applicable Surgeon's fee. For other surgeries: Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$300,000 per Policy Year
(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	$20,000 per Policy Year. Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure. All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year
Extra Benefits
Network hospital designated medical package 於網絡日間內窺鏡檢查中心進行指定內窺鏡手術 (只適用於香港)	Full reimbursement of Eligible ExpensesR&C
Hospital companion bed fee reimbursement 住院陪床	Full reimbursement of Eligible Expenses (only applicable to Insured Persons aged below 18 or above 65)R&C
Hospice and palliative care benefit 善終關懷	$ 80,000 per Policy Year
Daily post-surgery home nursing benefit 家居護理服務	$600 per visit; $600 per visit. 1 service per day for each, maximum $6,000 per Policy Year (within the post-discharge window) 家居護士每次$600 輔助保健服務每次$600
Chinese Medicine Practitioner outpatient care 出院後/日間手術後的護理中醫保障	$500 per visit, maximum 10 visits per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Health check-up benefit 身體檢查 / 疫苗接種 / 健身	For(i),(ii) and(iii) combined, $500 per Policy Year 身體檢查疫苗接種健身
Cash Benefits
Second-claim cash allowanceAfter other pays 二次索償每日現金津貼	$500 per day (maximum 90 days per Policy Year)
Event Benefits
Accidental Death benefit 意外身故	$10,000 per Policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
Full reimbursement of Eligible Expenses, maximum 180 days per Policy YearR&C
(b) Miscellaneous charges
(b) 雜項開支
Full reimbursement of Eligible ExpensesR&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
Full reimbursement of Eligible Expenses, maximum 180 days per Policy YearR&C
(d) Specialist's fee
(d) 專科醫生費
Full reimbursement of Eligible ExpensesR&C
(e) Intensive care
(e) 深切治療
Full reimbursement of Eligible Expenses, maximum 30 days per Policy YearR&C
Surgeon's fee — Minor
外科醫生費 — 小型
$15,000  其他手術複雜全額保障  大型全額保障  中型全額保障  小型全額保障 R&C
Surgeon's fee — Intermediate
外科醫生費 — 中型
$25,000 
Surgeon's fee — Major
外科醫生費 — 大型
$50,000 
Surgeon's fee — Complex
外科醫生費 — 複雜
$100,000 
(g) Anaesthetist's fee
(g) 麻醉科醫生費
Specified endoscopy procedures (not performed at a network day endoscopy centre): 35% of the applicable Surgeon's fee. For other surgeries: Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges
(h) 手術室費
Specified endoscopy procedures (not performed at a network day endoscopy centre): 35% of the applicable Surgeon's fee. For other surgeries: Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$300,000 per Policy Year
(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
$20,000 per Policy Year. Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure. All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year

Extra Benefits

Network hospital designated medical package
於網絡日間內窺鏡檢查中心進行指定內窺鏡手術 (只適用於香港)
Full reimbursement of Eligible ExpensesR&C
Hospital companion bed fee reimbursement
住院陪床
Full reimbursement of Eligible Expenses (only applicable to Insured Persons aged below 18 or above 65)R&C
Hospice and palliative care benefit
善終關懷
$ 80,000 per Policy Year
Daily post-surgery home nursing benefit
家居護理服務
$600 per visit; $600 per visit. 1 service per day for each, maximum $6,000 per Policy Year (within the post-discharge window)
- 家居護士每次$600
- 輔助保健服務每次$600
Chinese Medicine Practitioner outpatient care
出院後/日間手術後的護理中醫保障
$500 per visit, maximum 10 visits per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure)
Health check-up benefit
身體檢查 / 疫苗接種 / 健身
For(i),(ii) and(iii) combined, $500 per Policy Year
- 身體檢查
- 疫苗接種
- 健身

Cash Benefits

Second-claim cash allowanceAfter other pays
二次索償每日現金津貼
$500 per day (maximum 90 days per Policy Year)

Event Benefits

Accidental Death benefit
意外身故
$10,000 per Policy

Premium Schedule

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

Age	Male	Female
0	HK$14,295	HK$13,205
1	HK$12,274	HK$11,028
2	HK$10,540	HK$9,212
3	HK$9,071	HK$7,725
4	HK$7,838	HK$6,526
5	HK$7,726	HK$6,385
6	HK$7,346	HK$6,188
7	HK$7,283	HK$5,988
8	HK$6,586	HK$5,486
9	HK$6,069	HK$5,180
10	HK$5,706	HK$5,038
11	HK$5,686	HK$5,378
12	HK$5,568	HK$5,492
13	HK$5,554	HK$5,717
14	HK$5,623	HK$5,808
15	HK$5,694	HK$5,962
16	HK$5,878	HK$6,125
17	HK$6,066	HK$6,291
18	HK$6,240	HK$6,615
19	HK$6,326	HK$6,800
20	HK$6,414	HK$6,965
21	HK$6,463	HK$7,108
22	HK$6,574	HK$7,300
23	HK$6,642	HK$7,531
24	HK$6,672	HK$7,812
25	HK$6,803	HK$8,154
26	HK$6,912	HK$8,531
27	HK$7,055	HK$8,965
28	HK$7,403	HK$9,442
29	HK$7,789	HK$9,974
30	HK$8,046	HK$10,689
31	HK$8,302	HK$11,058
32	HK$8,526	HK$11,392
33	HK$8,717	HK$11,698
34	HK$8,880	HK$11,968
35	HK$8,998	HK$12,288
36	HK$9,094	HK$12,343
37	HK$9,115	HK$12,406
38	HK$9,138	HK$12,458
39	HK$9,175	HK$12,518
40	HK$9,263	HK$12,592
41	HK$9,455	HK$13,003
42	HK$9,742	HK$13,529
43	HK$10,254	HK$14,169
44	HK$10,871	HK$14,923
45	HK$11,634	HK$15,488
46	HK$12,072	HK$15,755
47	HK$12,485	HK$15,952
48	HK$12,909	HK$16,180
49	HK$13,306	HK$16,491
50	HK$13,811	HK$16,720
51	HK$14,549	HK$17,400
52	HK$15,366	HK$17,818
53	HK$16,271	HK$18,266
54	HK$17,265	HK$18,765
55	HK$18,535	HK$19,149
56	HK$19,928	HK$19,938
57	HK$21,288	HK$20,838
58	HK$23,063	HK$21,811
59	HK$24,785	HK$22,891
60	HK$25,962	HK$24,023
61	HK$27,957	HK$26,072
62	HK$30,531	HK$28,460
63	HK$34,074	HK$31,152
64	HK$38,045	HK$34,186
65	HK$42,543	HK$37,463
66	HK$45,397	HK$39,478
67	HK$47,969	HK$41,300
68	HK$50,214	HK$42,963
69	HK$52,246	HK$44,403
70	HK$53,908	HK$45,855
71	HK$56,748	HK$48,280
72	HK$59,592	HK$50,720
73	HK$62,414	HK$53,211
74	HK$65,248	HK$55,726
75	HK$68,026	HK$58,329
76	HK$70,860	HK$60,891
77	HK$73,703	HK$63,478
78	HK$76,478	HK$66,140
79	HK$79,271	HK$68,835
80	HK$82,305	HK$71,345
81	HK$84,489	HK$73,543
82	HK$86,577	HK$75,672
83	HK$88,540	HK$77,728
84	HK$90,408	HK$79,712
85	HK$92,283	HK$81,512
86	HK$93,946	HK$83,342
87	HK$95,502	HK$85,085
88	HK$96,960	HK$86,757
89	HK$98,322	HK$88,348
90	HK$99,809	HK$89,665
91	HK$101,237	HK$91,328
92	HK$102,618	HK$92,954
93	HK$103,949	HK$94,535
94	HK$105,229	HK$96,071
95	HK$106,486	HK$97,551
96	HK$107,680	HK$99,012
97	HK$108,825	HK$100,425
98	HK$109,928	HK$101,797
99	HK$110,983	HK$103,123

Other deductible options in this series

2 deductibles — same benefit schedule, premium scales with deductible

Semi-Private Room

Current page

Standard Private Room

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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: 2026-06-05

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.