Avo Voluntary Health Insurance Scheme (Standard) Plan

Avo自願醫保（標準）計劃

Avo Voluntary Health Insurance Scheme (Standard) Plan is a VHIS Standard plan offered by Avo Insurance Company Limited, with ward class N/A (capped), Worldwide coverage and HK$420,000 annual benefit limit. Latest plan-document version: Dec 1, 2021.

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

Your premium

HK$1,620 /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 · 4 gender / smoking columns · HKD

Age	Male · Non-smoker	Male · Smoker	Female · Non-smoker	Female · Smoker
0	HK$2,720	—	HK$2,375	—
1	HK$2,418	—	HK$2,111	—
2	HK$2,365	—	HK$2,065	—
3	HK$2,315	—	HK$2,021	—
4	HK$2,267	—	HK$1,979	—
5	HK$2,243	—	HK$1,959	—
6	HK$1,329	—	HK$1,464	—
7	HK$1,299	—	HK$1,430	—
8	HK$1,268	—	HK$1,396	—
9	HK$1,256	—	HK$1,382	—
10	HK$1,228	—	HK$1,309	—
11	HK$1,228	—	HK$1,309	—
12	HK$1,228	—	HK$1,309	—
13	HK$1,228	—	HK$1,309	—
14	HK$1,228	—	HK$1,309	—
15	HK$1,228	—	HK$1,309	—
16	HK$1,228	—	HK$1,309	—
17	HK$1,228	—	HK$1,309	—
18	HK$1,268	HK$1,522	HK$1,396	HK$1,815
19	HK$1,268	HK$1,522	HK$1,396	HK$1,815
20	HK$1,268	HK$1,522	HK$1,396	HK$1,815
21	HK$1,268	HK$1,522	HK$1,396	HK$1,815
22	HK$1,268	HK$1,522	HK$1,396	HK$1,815
23	HK$1,268	HK$1,522	HK$1,396	HK$1,815
24	HK$1,268	HK$1,522	HK$1,492	HK$1,940
25	HK$1,522	HK$1,826	HK$1,681	HK$2,185
26	HK$1,538	HK$1,846	HK$1,793	HK$2,331
27	HK$1,570	HK$1,884	HK$1,871	HK$2,432
28	HK$1,586	HK$1,903	HK$1,948	HK$2,532
29	HK$1,603	HK$1,924	HK$2,030	HK$2,639
30	HK$1,620	HK$1,944	HK$2,079	HK$2,703
31	HK$1,674	HK$2,009	HK$2,129	HK$2,768
32	HK$1,713	HK$2,056	HK$2,189	HK$2,846
33	HK$1,773	HK$2,128	HK$2,289	HK$2,976
34	HK$1,838	HK$2,206	HK$2,326	HK$3,024
35	HK$1,940	HK$2,328	HK$2,373	HK$3,085
36	HK$2,002	HK$2,402	HK$2,403	HK$3,124
37	HK$2,046	HK$2,455	HK$2,445	HK$3,179
38	HK$2,091	HK$2,509	HK$2,520	HK$3,276
39	HK$2,139	HK$2,567	HK$2,687	HK$3,493
40	HK$2,267	HK$2,720	HK$2,792	HK$3,630
41	HK$2,353	HK$2,824	HK$2,921	HK$3,797
42	HK$2,444	HK$2,933	HK$3,046	HK$3,960
43	HK$2,543	HK$3,052	HK$3,200	HK$4,160
44	HK$2,689	HK$3,227	HK$3,312	HK$4,306
45	HK$2,985	HK$3,582	HK$3,789	HK$4,926
46	HK$3,047	HK$3,656	HK$3,860	HK$5,018
47	HK$3,145	HK$3,774	HK$4,012	HK$5,216
48	HK$3,250	HK$3,900	HK$4,133	HK$5,373
49	HK$3,401	HK$4,081	HK$4,307	HK$5,599
50	HK$3,524	HK$4,229	HK$4,448	HK$5,782
51	HK$3,656	HK$4,387	HK$4,598	HK$5,977
52	HK$3,799	HK$4,939	HK$4,758	HK$6,185
53	HK$3,953	HK$5,139	HK$4,930	HK$6,409
54	HK$4,179	HK$5,433	HK$5,180	HK$6,734
55	HK$4,608	HK$5,990	HK$5,838	HK$7,589
56	HK$4,704	HK$6,115	HK$6,103	HK$7,934
57	HK$4,963	HK$6,452	HK$6,394	HK$8,312
58	HK$5,191	HK$6,748	HK$6,550	HK$8,515
59	HK$5,376	HK$6,989	HK$6,714	HK$8,728
60	HK$5,785	HK$7,521	HK$7,154	HK$9,300
61	HK$6,162	HK$8,011	HK$7,416	HK$9,641
62	HK$6,592	HK$8,570	HK$7,796	HK$10,135
63	HK$6,999	HK$9,099	HK$7,897	HK$10,266
64	HK$7,559	HK$9,827	HK$8,108	HK$10,540
65	HK$8,937	HK$11,618	HK$8,454	HK$10,990
66	HK$9,729	HK$12,648	HK$8,775	HK$11,408
67	HK$9,854	HK$12,810	HK$8,887	HK$11,553
68	HK$9,982	HK$12,977	HK$9,003	HK$11,704
69	HK$10,113	HK$13,147	HK$9,121	HK$11,857
70	HK$12,978	HK$16,871	HK$12,199	HK$15,859
71	HK$13,161	HK$17,109	HK$12,364	HK$16,073
72	HK$13,349	HK$17,354	HK$12,533	HK$16,293
73	HK$13,542	HK$17,605	HK$12,707	HK$16,519
74	HK$13,741	HK$17,863	HK$12,886	HK$16,752
75	HK$16,184	HK$21,039	HK$14,519	HK$18,875
76	HK$16,429	HK$21,358	HK$14,729	HK$19,148
77	HK$16,682	HK$21,687	HK$14,946	HK$19,430
78	HK$16,942	HK$22,025	HK$15,169	HK$19,720
79	HK$17,211	HK$22,374	HK$15,398	HK$20,017
80	HK$19,648	HK$25,542	HK$17,713	HK$23,027
81	HK$19,945	HK$25,929	HK$17,970	HK$23,361
82	HK$20,252	HK$26,328	HK$18,234	HK$23,704
83	HK$20,569	HK$26,740	HK$18,506	HK$24,058
84	HK$20,895	HK$27,164	HK$18,786	HK$24,422
85	HK$20,669	HK$26,870	HK$19,523	HK$25,380
86	HK$20,982	HK$27,277	HK$19,806	HK$25,748
87	HK$21,305	HK$27,697	HK$20,097	HK$26,126
88	HK$21,638	HK$28,129	HK$20,397	HK$26,516
89	HK$21,981	HK$28,575	HK$20,706	HK$26,918
90	HK$22,384	HK$29,099	HK$20,906	HK$27,178
91	HK$22,723	HK$29,540	HK$21,209	HK$27,572
92	HK$23,072	HK$29,994	HK$21,521	HK$27,977
93	HK$23,433	HK$30,463	HK$21,842	HK$28,395
94	HK$23,805	HK$30,947	HK$22,173	HK$28,825
95	HK$25,010	HK$32,513	HK$23,092	HK$30,020
96	HK$25,413	HK$33,037	HK$23,448	HK$30,482
97	HK$25,830	HK$33,579	HK$23,814	HK$30,958
98	HK$26,260	HK$34,138	HK$24,192	HK$31,450
99	HK$26,705	HK$34,717	HK$24,582	HK$31,957

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: Dec 1, 2021
Last verified: 2026-04-17