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VHIS Flexi · F00043-02-002-02

CareForYou Super Flexi Plan for VHIS - Plan B with SMM (with 20% Coinsurance)

「只衛您」超卓靈活自願醫保計劃 - 計劃 B+額外醫療保障（設20%共同保險）

Blue Cross (Asia-Pacific) Insurance Limited

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Your premium

HK$10,923 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$540,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

HK$450,000／per policy year

Coverage Tiers & Conditions

This plan applies tiered caps or conditional rules on selected benefits

Age-tiered cap

SMM annual cap
- Age 76 or above: HK$540,000

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	$2,200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$27,500 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$2,200 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$7,400 per Policy Year
(e) Intensive care (e) 深切治療	$6,600 per day, maximum 30 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$9,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$22,000
Surgeon's fee — Major 外科醫生費 — 大型	$40,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$120,000
(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	$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	$100,000 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	$8,800 per Policy Year• Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• All relevant 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	$35,000 per Policy Year
Extra Benefits
Outpatient kidney dialysis 腎透析	$100,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit 中風復康治療	$100,000 per Policy Year
Emergency outpatient treatment for Accident 緊急門診治療	$11,000 per Policy Year within 24 hours of the Accident
Hospital companion bed fee reimbursement 住院陪床費用	$2,040 per day, maximum 90 days per Policy Year
Private nursing fee (during Confinement) 註冊私家看護費用	$2,040 per day, maximum 90 days per Policy Year
Chinese Medicine Practitioner outpatient care 出院後／日間手術後中醫門診護理	$180 per visit, 1 follow-up outpatient visit per day, up to 5 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
Isolation ward charges benefit 隔離病房現金保障	$1,000 per day, maximum 30 days per Policy Year
Cash Benefits
Day surgery cash benefit 門診手術現金津貼	$1,000 per Day Case Procedure
Daily hospital cash supplement 住院現金保障	$1,010 per day, maximum 45 days per Policy Year
Second-claim cash allowanceAfter other pays 額外現金補貼保障	$600 per day during Confinement, maximum 90 days per Policy Year

Basic Benefits

(a) Room and board
(a) 病房及膳食
$2,200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$27,500 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$2,200 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$7,400 per Policy Year
(e) Intensive care
(e) 深切治療
$6,600 per day, maximum 30 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$9,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$22,000
Surgeon's fee — Major
外科醫生費 — 大型
$40,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$120,000
(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
$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
$100,000 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
$8,800 per Policy Year• Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• All relevant 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
$35,000 per Policy Year

Extra Benefits

Outpatient kidney dialysis
腎透析
$100,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit
中風復康治療
$100,000 per Policy Year
Emergency outpatient treatment for Accident
緊急門診治療
$11,000 per Policy Year within 24 hours of the Accident
Hospital companion bed fee reimbursement
住院陪床費用
$2,040 per day, maximum 90 days per Policy Year
Private nursing fee (during Confinement)
註冊私家看護費用
$2,040 per day, maximum 90 days per Policy Year
Chinese Medicine Practitioner outpatient care
出院後／日間手術後中醫門診護理
$180 per visit, 1 follow-up outpatient visit per day, up to 5 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
Isolation ward charges benefit
隔離病房現金保障
$1,000 per day, maximum 30 days per Policy Year

Cash Benefits

Day surgery cash benefit
門診手術現金津貼
$1,000 per Day Case Procedure
Daily hospital cash supplement
住院現金保障
$1,010 per day, maximum 45 days per Policy Year
Second-claim cash allowanceAfter other pays
額外現金補貼保障
$600 per day during Confinement, maximum 90 days per Policy Year

No-Claim Bonus

Renewal premium discount earned by staying claim-free

Discount netted off renewal premium

Discount schedule

Consecutive claim-free years	Discount
2 yrs	5%
3 yrs	10%
4 yrs	10%
5 yrs	15%

Verbatim clause

無索償折扣 (a) 於任何續保日，一(1)項無索償折扣將適用於扣減由續保日開始的保單年度應支付的保費，惟須於以下任何一個緊接續保日前的無索償期內本公司並沒有就條款及保障支付任何賠償：無索償期無索償折扣率一(1)年 5% 連續兩(2)年 5% 連續三(3)年 10% 連續四(4)年 10% 連續五(5)年或以上 15% (b) 無索償折扣將相等於由續保日開始的保單年度按條款及保障應繳付的標準保費及附加保費（如有）乘以上表所述的任何一(1)個無索償折扣率。 (c) 就釐定無索償折扣而言，條款及保障之任何賠償會按以下計算所屬的保單年度： (i) 如受保人住院，以該次住院的入院日期計算；或 (ii) 如受保人以日症病人身份接受醫療服務，以該次接受醫療服務的日期計算。 (d) 如已經獲得無索償折扣後，本公司就任何過去之保單年度支付任何賠償，本公司將會就支付有關賠償後的所有保單年度，重新計算實際合資格的無索償折扣。在本公司的合理要求下，保單持有人須向本公司交還已經扣減的無索償折扣及重新計算實際合資格的無索償折扣之差額。

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00043/F00043-01-000-02-PlanDoc-c.pdf

Premium Schedule

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

Age	Male	Female
0	HK$10,251	HK$10,251
1	HK$10,251	HK$10,251
2	HK$10,251	HK$10,251
3	HK$10,251	HK$10,251
4	HK$10,251	HK$10,251
5	HK$9,577	HK$9,577
6	HK$9,577	HK$9,577
7	HK$9,577	HK$9,577
8	HK$9,577	HK$9,577
9	HK$9,577	HK$9,577
10	HK$8,763	HK$8,763
11	HK$8,763	HK$8,763
12	HK$8,763	HK$8,763
13	HK$8,763	HK$8,763
14	HK$8,763	HK$8,763
15	HK$8,763	HK$8,763
16	HK$8,763	HK$8,763
17	HK$8,763	HK$8,763
18	HK$8,763	HK$8,763
19	HK$10,147	HK$10,606
20	HK$10,147	HK$10,606
21	HK$10,147	HK$10,606
22	HK$10,147	HK$10,606
23	HK$10,147	HK$10,606
24	HK$10,147	HK$10,606
25	HK$10,147	HK$10,606
26	HK$10,923	HK$11,715
27	HK$10,923	HK$11,715
28	HK$10,923	HK$11,715
29	HK$10,923	HK$11,715
30	HK$10,923	HK$11,715
31	HK$14,334	HK$15,273
32	HK$14,334	HK$15,273
33	HK$14,334	HK$15,273
34	HK$14,334	HK$15,273
35	HK$14,334	HK$15,273
36	HK$15,862	HK$17,354
37	HK$15,862	HK$17,354
38	HK$15,862	HK$17,354
39	HK$15,862	HK$17,354
40	HK$15,862	HK$17,354
41	HK$20,863	HK$22,904
42	HK$20,863	HK$22,904
43	HK$20,863	HK$22,904
44	HK$20,863	HK$22,904
45	HK$20,863	HK$22,904
46	HK$26,476	HK$29,027
47	HK$26,476	HK$29,027
48	HK$26,476	HK$29,027
49	HK$26,476	HK$29,027
50	HK$26,476	HK$29,027
51	HK$34,155	HK$37,501
52	HK$34,155	HK$37,501
53	HK$34,155	HK$37,501
54	HK$34,155	HK$37,501
55	HK$34,155	HK$37,501
56	HK$45,340	HK$45,340
57	HK$45,340	HK$45,340
58	HK$45,340	HK$45,340
59	HK$45,340	HK$45,340
60	HK$45,340	HK$45,340
61	HK$52,490	HK$52,490
62	HK$52,490	HK$52,490
63	HK$52,490	HK$52,490
64	HK$52,490	HK$52,490
65	HK$52,490	HK$52,490
66	HK$68,770	HK$68,770
67	HK$68,770	HK$68,770
68	HK$68,770	HK$68,770
69	HK$68,770	HK$68,770
70	HK$68,770	HK$68,770
71	HK$82,425	HK$82,425
72	HK$82,425	HK$82,425
73	HK$82,425	HK$82,425
74	HK$82,425	HK$82,425
75	HK$82,425	HK$82,425
76	HK$98,615	HK$98,615
77	HK$98,615	HK$98,615
78	HK$98,615	HK$98,615
79	HK$98,615	HK$98,615
80	HK$98,615	HK$98,615
81	HK$113,994	HK$113,994
82	HK$113,994	HK$113,994
83	HK$113,994	HK$113,994
84	HK$113,994	HK$113,994
85	HK$113,994	HK$113,994
86	HK$125,266	HK$125,266
87	HK$125,266	HK$125,266
88	HK$125,266	HK$125,266
89	HK$125,266	HK$125,266
90	HK$125,266	HK$125,266
91	HK$133,079	HK$133,079
92	HK$133,079	HK$133,079
93	HK$133,079	HK$133,079
94	HK$133,079	HK$133,079
95	HK$133,079	HK$133,079
96	HK$140,007	HK$140,007
97	HK$140,007	HK$140,007
98	HK$140,007	HK$140,007
99	HK$143,092	HK$143,092
100	HK$143,092	HK$143,092
101	HK$143,092	HK$143,092

Other deductible options in this series

10 deductibles — same benefit schedule, premium scales with deductible

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A with SMM (No Coinsurance)

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A with SMM (with 20% Coinsurance)

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B with SMM (No Coinsurance)

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B with SMM (with 20% Coinsurance)

Current page

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C with SMM (No Coinsurance)

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C with SMM (with 20% Coinsurance)

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D with SMM (with 20% Coinsurance)

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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: 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.