VHIS Flexi · F00038-02-000-02

Asia Elite - Standard Private Room

亞洲尚選 - 標準私家房間

Asia Insurance Company, Limited

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Your premium

HK$12,671 /yr

age

Ward class

Standard Private Room

Coverage region

Asia

Deductible

—

Annual benefit limit

HK$2,000,000

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
(f) Surgeon's fee (f) 外科醫生費	Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures.Specified endoscopy procedures (not performed at a network day endoscopy centre): Complex $200,000; Major $100,000; Intermediate $50,000; Minor $25,000.Other surgeries: Complex Full reimbursement of Eligible Expenses; Major Full reimbursement of Eligible Expenses; Intermediate Full reimbursement of Eligible Expenses; Minor Full reimbursement of Eligible Expenses.R&C
(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	$500,000 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	$30,000 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	$1,000 per visit; $1,000 per visit. 1 service per day for each, maximum $7,000 per Policy Year (within the post-discharge window)
Chinese Medicine Practitioner outpatient care 出院後/日間手術後的護理中醫保障	$1,000 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, $800 per Policy Year
Cash Benefits
Second-claim cash allowanceAfter other pays 二次索償每日現金津貼	$800 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
(f) Surgeon's fee
(f) 外科醫生費
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures.Specified endoscopy procedures (not performed at a network day endoscopy centre): Complex $200,000; Major $100,000; Intermediate $50,000; Minor $25,000.Other surgeries: Complex Full reimbursement of Eligible Expenses; Major Full reimbursement of Eligible Expenses; Intermediate Full reimbursement of Eligible Expenses; Minor Full reimbursement of Eligible Expenses.R&C
(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
$500,000 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
$30,000 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
$1,000 per visit; $1,000 per visit. 1 service per day for each, maximum $7,000 per Policy Year (within the post-discharge window)
Chinese Medicine Practitioner outpatient care
出院後/日間手術後的護理中醫保障
$1,000 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, $800 per Policy Year

Cash Benefits

Second-claim cash allowanceAfter other pays
二次索償每日現金津貼
$800 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$22,251	HK$20,551
1	HK$19,103	HK$17,162
2	HK$16,405	HK$14,337
3	HK$14,118	HK$12,023
4	HK$12,200	HK$10,158
5	HK$12,026	HK$9,935
6	HK$11,434	HK$9,631
7	HK$11,335	HK$9,318
8	HK$10,251	HK$8,540
9	HK$9,446	HK$8,062
10	HK$8,882	HK$7,842
11	HK$8,849	HK$8,372
12	HK$8,666	HK$8,548
13	HK$8,645	HK$8,898
14	HK$8,751	HK$9,038
15	HK$8,863	HK$9,278
16	HK$9,149	HK$9,532
17	HK$9,440	HK$9,792
18	HK$9,712	HK$10,297
19	HK$9,845	HK$10,583
20	HK$9,983	HK$10,840
21	HK$10,191	HK$11,206
22	HK$10,462	HK$11,615
23	HK$10,642	HK$12,068
24	HK$10,725	HK$12,558
25	HK$10,957	HK$13,131
26	HK$11,125	HK$13,729
27	HK$11,309	HK$14,368
28	HK$11,814	HK$15,068
29	HK$12,349	HK$15,812
30	HK$12,671	HK$16,832
31	HK$13,098	HK$17,449
32	HK$13,509	HK$18,049
33	HK$13,880	HK$18,628
34	HK$14,232	HK$19,180
35	HK$14,535	HK$19,848
36	HK$14,692	HK$19,943
37	HK$14,722	HK$20,035
38	HK$14,762	HK$20,125
39	HK$14,811	HK$20,208
40	HK$14,957	HK$20,334
41	HK$15,060	HK$20,709
42	HK$15,252	HK$21,183
43	HK$15,743	HK$21,754
44	HK$16,331	HK$22,418
45	HK$17,063	HK$22,717
46	HK$17,943	HK$23,420
47	HK$18,966	HK$24,234
48	HK$20,189	HK$25,303
49	HK$21,557	HK$26,715
50	HK$23,320	HK$28,234
51	HK$24,860	HK$29,729
52	HK$26,451	HK$30,669
53	HK$28,114	HK$31,563
54	HK$29,822	HK$32,414
55	HK$31,911	HK$32,968
56	HK$33,846	HK$33,865
57	HK$35,526	HK$34,777
58	HK$37,692	HK$35,646
59	HK$39,548	HK$36,526
60	HK$40,362	HK$37,348
61	HK$43,503	HK$40,571
62	HK$47,763	HK$44,523
63	HK$53,778	HK$49,169
64	HK$60,677	HK$54,525
65	HK$68,655	HK$60,457
66	HK$74,111	HK$64,449
67	HK$79,303	HK$68,277
68	HK$84,151	HK$72,000
69	HK$88,852	HK$75,512
70	HK$93,128	HK$79,215
71	HK$97,991	HK$83,369
72	HK$102,777	HK$87,475
73	HK$107,435	HK$91,592
74	HK$112,022	HK$95,674
75	HK$116,417	HK$99,822
76	HK$120,835	HK$103,837
77	HK$125,172	HK$107,806
78	HK$129,314	HK$111,831
79	HK$133,380	HK$115,820
80	HK$137,778	HK$119,432
81	HK$140,948	HK$122,688
82	HK$143,912	HK$125,786
83	HK$146,643	HK$128,735
84	HK$149,166	HK$131,522
85	HK$151,682	HK$133,978
86	HK$153,795	HK$136,437
87	HK$155,706	HK$138,723
88	HK$157,415	HK$140,851
89	HK$158,925	HK$142,803
90	HK$160,594	HK$144,274
91	HK$162,648	HK$146,729
92	HK$164,675	HK$149,165
93	HK$166,678	HK$151,582
94	HK$168,651	HK$153,972
95	HK$170,638	HK$156,322
96	HK$172,565	HK$158,672
97	HK$174,475	HK$161,006
98	HK$176,357	HK$163,314
99	HK$178,226	HK$165,603

Other deductible options in this series

2 deductibles — same benefit schedule, premium scales with deductible

Semi-Private Room

View details →

Standard Private Room

Current page

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.