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VHIS Flexi · F00043-04-000-02

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

「只衛您」超卓靈活自願醫保計劃 - 計劃 D+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$5,165 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$420,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

HK$120,000／per policy year, 20% coinsurance

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$420,000

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	$800 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 30 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	$3,000 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	$30,000 per Policy Year
Extra Benefits
Outpatient kidney dialysis 腎透析	$50,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit 中風復康治療	$50,000 per Policy Year
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 住院陪床費用	$800 per day, maximum 90 days per Policy Year
Private nursing fee (during Confinement) 註冊私家看護費用	$800 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	$150 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	$400 per day, maximum 45 days per Policy Year
Second-claim cash allowanceAfter other pays 額外現金補貼保障	$500 per day during Confinement, maximum 90 days per Policy Year

Basic Benefits

(a) Room and board
(a) 病房及膳食
$800 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 30 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
$3,000 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
$30,000 per Policy Year

Extra Benefits

Outpatient kidney dialysis
腎透析
$50,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit
中風復康治療
$50,000 per Policy Year
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
住院陪床費用
$800 per day, maximum 90 days per Policy Year
Private nursing fee (during Confinement)
註冊私家看護費用
$800 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
$150 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
$400 per day, maximum 45 days per Policy Year
Second-claim cash allowanceAfter other pays
額外現金補貼保障
$500 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$5,067	HK$5,067
1	HK$5,067	HK$5,067
2	HK$5,067	HK$5,067
3	HK$5,067	HK$5,067
4	HK$5,067	HK$5,067
5	HK$4,632	HK$4,632
6	HK$4,632	HK$4,632
7	HK$4,632	HK$4,632
8	HK$4,632	HK$4,632
9	HK$4,632	HK$4,632
10	HK$4,125	HK$4,125
11	HK$4,125	HK$4,125
12	HK$4,125	HK$4,125
13	HK$4,125	HK$4,125
14	HK$4,125	HK$4,125
15	HK$4,125	HK$4,125
16	HK$4,125	HK$4,125
17	HK$4,125	HK$4,125
18	HK$4,125	HK$4,125
19	HK$4,734	HK$5,192
20	HK$4,734	HK$5,192
21	HK$4,734	HK$5,192
22	HK$4,734	HK$5,192
23	HK$4,734	HK$5,192
24	HK$4,734	HK$5,192
25	HK$4,734	HK$5,192
26	HK$5,165	HK$5,456
27	HK$5,165	HK$5,456
28	HK$5,165	HK$5,456
29	HK$5,165	HK$5,456
30	HK$5,165	HK$5,456
31	HK$6,350	HK$6,710
32	HK$6,350	HK$6,710
33	HK$6,350	HK$6,710
34	HK$6,350	HK$6,710
35	HK$6,350	HK$6,710
36	HK$7,716	HK$8,201
37	HK$7,716	HK$8,201
38	HK$7,716	HK$8,201
39	HK$7,716	HK$8,201
40	HK$7,716	HK$8,201
41	HK$10,077	HK$11,106
42	HK$10,077	HK$11,106
43	HK$10,077	HK$11,106
44	HK$10,077	HK$11,106
45	HK$10,077	HK$11,106
46	HK$12,838	HK$14,134
47	HK$12,838	HK$14,134
48	HK$12,838	HK$14,134
49	HK$12,838	HK$14,134
50	HK$12,838	HK$14,134
51	HK$16,564	HK$18,245
52	HK$16,564	HK$18,245
53	HK$16,564	HK$18,245
54	HK$16,564	HK$18,245
55	HK$16,564	HK$18,245
56	HK$23,023	HK$23,023
57	HK$23,023	HK$23,023
58	HK$23,023	HK$23,023
59	HK$23,023	HK$23,023
60	HK$23,023	HK$23,023
61	HK$26,468	HK$26,468
62	HK$26,468	HK$26,468
63	HK$26,468	HK$26,468
64	HK$26,468	HK$26,468
65	HK$26,468	HK$26,468
66	HK$33,886	HK$33,886
67	HK$33,886	HK$33,886
68	HK$33,886	HK$33,886
69	HK$33,886	HK$33,886
70	HK$33,886	HK$33,886
71	HK$41,451	HK$41,451
72	HK$41,451	HK$41,451
73	HK$41,451	HK$41,451
74	HK$41,451	HK$41,451
75	HK$41,451	HK$41,451
76	HK$49,591	HK$49,591
77	HK$49,591	HK$49,591
78	HK$49,591	HK$49,591
79	HK$49,591	HK$49,591
80	HK$49,591	HK$49,591
81	HK$57,319	HK$57,319
82	HK$57,319	HK$57,319
83	HK$57,319	HK$57,319
84	HK$57,319	HK$57,319
85	HK$57,319	HK$57,319
86	HK$62,983	HK$62,983
87	HK$62,983	HK$62,983
88	HK$62,983	HK$62,983
89	HK$62,983	HK$62,983
90	HK$62,983	HK$62,983
91	HK$66,909	HK$66,909
92	HK$66,909	HK$66,909
93	HK$66,909	HK$66,909
94	HK$66,909	HK$66,909
95	HK$66,909	HK$66,909
96	HK$70,389	HK$70,389
97	HK$70,389	HK$70,389
98	HK$70,389	HK$70,389
99	HK$71,940	HK$71,940
100	HK$71,940	HK$71,940
101	HK$71,940	HK$71,940

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)

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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)

Current page

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.