CareForYou Flexi Plan for VHIS

「只衛您」靈活自願醫保計劃

Blue Cross (Asia-Pacific) Insurance Limited

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Your premium

HK$6,276 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$680,000

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	$1,500 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$22,500 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,500 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$6,800 per Policy Year
(e) Intensive care (e) 深切治療	$5,600 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$7,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$17,500
Surgeon's fee — Major 外科醫生費 — 大型	$35,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$80,000
(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 (this benefit limit is shared between I. Basic Benefits item (j), II. Additional Benefits items (a) and (b))
(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	$900, per visit, $4,800 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp 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
Extra Benefits
Outpatient kidney dialysis 腎透析	$80,000 per Policy Year (this benefit limit is shared between I. Basic Benefits item (j), II. Additional Benefits items (a) and (b))
Emergency outpatient treatment for Accident 緊急門診治療	$2,500 per Policy Year within 24 hours of the Accident
Hospital companion bed fee reimbursement 受保兒童住院陪床費用	$680 per day, maximum 90 days per Policy Year
Private nursing fee (during Confinement) 註冊私家看護費用	$680 per day, maximum 90 days per Policy Year
Cash Benefits
Day surgery cash benefit 門診手術現金津貼	$800 per Day Case Procedure
Daily hospital cash supplement 住院現金保障	$800 per day, maximum 10 days per Policy Year

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,500 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$22,500 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,500 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$6,800 per Policy Year
(e) Intensive care
(e) 深切治療
$5,600 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$7,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$17,500
Surgeon's fee — Major
外科醫生費 — 大型
$35,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$80,000
(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 (this benefit limit is shared between I. Basic Benefits item (j), II. Additional Benefits items (a) and (b))
(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
$900, per visit, $4,800 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp 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

Extra Benefits

Outpatient kidney dialysis
腎透析
$80,000 per Policy Year (this benefit limit is shared between I. Basic Benefits item (j), II. Additional Benefits items (a) and (b))
Emergency outpatient treatment for Accident
緊急門診治療
$2,500 per Policy Year within 24 hours of the Accident
Hospital companion bed fee reimbursement
受保兒童住院陪床費用
$680 per day, maximum 90 days per Policy Year
Private nursing fee (during Confinement)
註冊私家看護費用
$680 per day, maximum 90 days per Policy Year

Cash Benefits

Day surgery cash benefit
門診手術現金津貼
$800 per Day Case Procedure
Daily hospital cash supplement
住院現金保障
$800 per day, maximum 10 days per Policy Year

Premium Schedule

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

Age	Male	Female
0	HK$10,042	HK$7,044
1	HK$8,536	HK$5,988
2	HK$7,341	HK$5,151
3	HK$6,461	HK$4,533
4	HK$5,685	HK$3,990
5	HK$5,264	HK$3,733
6	HK$5,007	HK$3,587
7	HK$4,763	HK$3,486
8	HK$4,530	HK$3,385
9	HK$4,309	HK$3,320
10	HK$4,237	HK$3,365
11	HK$4,310	HK$3,557
12	HK$4,384	HK$3,760
13	HK$4,460	HK$3,975
14	HK$4,535	HK$4,241
15	HK$4,650	HK$4,519
16	HK$4,800	HK$4,800
17	HK$4,957	HK$5,033
18	HK$5,119	HK$5,354
19	HK$5,287	HK$5,699
20	HK$5,397	HK$5,904
21	HK$5,448	HK$5,959
22	HK$5,499	HK$6,016
23	HK$5,551	HK$6,074
24	HK$5,604	HK$6,131
25	HK$5,685	HK$6,197
26	HK$5,792	HK$6,269
27	HK$5,902	HK$6,341
28	HK$6,014	HK$6,414
29	HK$6,128	HK$6,487
30	HK$6,276	HK$6,620
31	HK$6,461	HK$6,817
32	HK$6,650	HK$7,015
33	HK$6,847	HK$7,223
34	HK$7,046	HK$7,435
35	HK$7,289	HK$7,693
36	HK$7,573	HK$8,003
37	HK$7,867	HK$8,327
38	HK$8,174	HK$8,662
39	HK$8,492	HK$9,010
40	HK$8,878	HK$9,460
41	HK$9,340	HK$10,023
42	HK$9,823	HK$10,618
43	HK$10,331	HK$11,251
44	HK$10,867	HK$11,919
45	HK$11,386	HK$12,531
46	HK$11,885	HK$13,078
47	HK$12,406	HK$13,649
48	HK$12,951	HK$14,246
49	HK$13,516	HK$14,867
50	HK$14,215	HK$15,636
51	HK$15,056	HK$16,561
52	HK$15,944	HK$17,541
53	HK$16,885	HK$18,579
54	HK$17,883	HK$19,681
55	HK$18,949	HK$20,652
56	HK$20,090	HK$21,479
57	HK$21,299	HK$22,339
58	HK$22,577	HK$23,232
59	HK$23,938	HK$24,162
60	HK$25,072	HK$25,072
61	HK$25,956	HK$25,956
62	HK$26,872	HK$26,872
63	HK$27,820	HK$27,820
64	HK$28,801	HK$28,801
65	HK$30,221	HK$30,221
66	HK$32,114	HK$32,114
67	HK$34,125	HK$34,125
68	HK$36,263	HK$36,263
69	HK$38,534	HK$38,534
70	HK$40,267	HK$40,267
71	HK$41,412	HK$41,412
72	HK$42,585	HK$42,585
73	HK$43,795	HK$43,795
74	HK$45,038	HK$45,038
75	HK$46,388	HK$46,388
76	HK$47,779	HK$47,779
77	HK$49,213	HK$49,213
78	HK$50,690	HK$50,690
79	HK$52,211	HK$52,211
80	HK$53,777	HK$53,777
81	HK$54,853	HK$54,853
82	HK$55,949	HK$55,949
83	HK$57,068	HK$57,068
84	HK$58,209	HK$58,209
85	HK$59,373	HK$59,373
86	HK$59,967	HK$59,967
87	HK$60,567	HK$60,567
88	HK$61,172	HK$61,172
89	HK$61,783	HK$61,783
90	HK$62,402	HK$62,402
91	HK$62,715	HK$62,715
92	HK$63,029	HK$63,029
93	HK$63,344	HK$63,344
94	HK$63,661	HK$63,661
95	HK$63,979	HK$63,979
96	HK$64,300	HK$64,300
97	HK$64,620	HK$64,620
98	HK$64,943	HK$64,943
99	HK$65,267	HK$65,267

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Jan 1, 2026
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.