Asia Unique - Family Care

延愛

Asia Unique - Family Care is a VHIS Standard plan offered by Asia Insurance Company, Limited, with ward class N/A (capped), Worldwide coverage and HK$420,000 annual benefit limit. Latest plan-document version: Apr 1, 2021.

01 · Plan at a glanceQuote a premium by age, gender and smoking status

Your premium

HK$2,153 /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	$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 25 days per Policy Year
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	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 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	$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure 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

Basic Benefits

(a) Room and board
(a) 病房及膳食
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
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
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 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
$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure 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

Premium Schedule

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

Age	Male	Female
0	HK$3,180	HK$2,631
1	HK$3,180	HK$2,631
2	HK$3,180	HK$2,631
3	HK$3,180	HK$2,631
4	HK$3,180	HK$2,631
5	HK$3,180	HK$2,631
6	HK$1,789	HK$1,866
7	HK$1,789	HK$1,866
8	HK$1,789	HK$1,866
9	HK$1,789	HK$1,866
10	HK$1,789	HK$1,866
11	HK$1,652	HK$1,722
12	HK$1,652	HK$1,722
13	HK$1,652	HK$1,722
14	HK$1,652	HK$1,722
15	HK$1,652	HK$1,722
16	HK$1,652	HK$1,722
17	HK$1,652	HK$1,722
18	HK$1,652	HK$1,722
19	HK$1,710	HK$1,853
20	HK$1,710	HK$1,853
21	HK$1,710	HK$1,853
22	HK$1,710	HK$1,853
23	HK$1,710	HK$1,853
24	HK$1,710	HK$1,853
25	HK$2,153	HK$2,921
26	HK$2,153	HK$2,921
27	HK$2,153	HK$2,921
28	HK$2,153	HK$2,921
29	HK$2,153	HK$2,921
30	HK$2,153	HK$2,921
31	HK$2,318	HK$3,145
32	HK$2,318	HK$3,145
33	HK$2,318	HK$3,145
34	HK$2,318	HK$3,145
35	HK$2,895	HK$4,162
36	HK$2,895	HK$4,162
37	HK$2,895	HK$4,162
38	HK$2,895	HK$4,162
39	HK$2,895	HK$4,162
40	HK$2,895	HK$4,162
41	HK$3,137	HK$4,162
42	HK$3,137	HK$4,162
43	HK$3,137	HK$4,162
44	HK$3,137	HK$4,162
45	HK$4,179	HK$5,981
46	HK$4,179	HK$5,981
47	HK$4,179	HK$5,981
48	HK$4,179	HK$5,981
49	HK$4,179	HK$5,981
50	HK$4,500	HK$5,981
51	HK$4,500	HK$5,981
52	HK$4,500	HK$5,981
53	HK$4,500	HK$5,981
54	HK$4,500	HK$5,981
55	HK$6,451	HK$7,850
56	HK$6,451	HK$7,850
57	HK$6,451	HK$7,850
58	HK$6,948	HK$7,850
59	HK$6,948	HK$7,850
60	HK$8,099	HK$8,253
61	HK$8,099	HK$8,253
62	HK$8,099	HK$8,253
63	HK$8,099	HK$8,253
64	HK$8,099	HK$8,253
65	HK$11,825	HK$9,408
66	HK$11,825	HK$9,408
67	HK$11,825	HK$9,408
68	HK$11,825	HK$9,408
69	HK$11,825	HK$9,408
70	HK$14,375	HK$13,372
71	HK$14,375	HK$13,372
72	HK$14,375	HK$13,372
73	HK$14,375	HK$13,372
74	HK$14,375	HK$13,372
75	HK$16,682	HK$14,854
76	HK$16,682	HK$14,854
77	HK$16,682	HK$14,854
78	HK$16,682	HK$14,854
79	HK$16,682	HK$14,854
80	HK$20,252	HK$18,122
81	HK$20,252	HK$18,122
82	HK$20,252	HK$18,122
83	HK$20,252	HK$18,122
84	HK$20,252	HK$18,122
85	HK$19,783	HK$18,547
86	HK$19,783	HK$18,547
87	HK$19,783	HK$18,547
88	HK$19,783	HK$18,547
89	HK$19,783	HK$18,547
90	HK$21,424	HK$19,860
91	HK$21,424	HK$19,860
92	HK$21,424	HK$19,860
93	HK$21,424	HK$19,860
94	HK$21,424	HK$19,860
95	HK$22,509	HK$20,684
96	HK$22,509	HK$20,684
97	HK$22,509	HK$20,684
98	HK$22,509	HK$20,684
99	HK$22,509	HK$20,684

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

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