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VHIS Flexi · F00059-03-000-01

Blue Cross Dynasty VHIS Plan - HKD40,000 Deductible (Asia & Australia-New Zealand)

藍十字尊悅自願醫保計劃 - 40,000 港元自付費 (亞洲及澳紐)

Blue Cross (Asia-Pacific) Insurance Limited

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Your premium

HK$6,330 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$40,000

Annual benefit limit

HK$10,000,000

Per-illness annual limit

—

Lifetime benefit limit

HK$48,000,000

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	Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges (b) 雜項開支	Full reimbursement of Eligible ExpensesR&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee (d) 專科醫生費	Full reimbursement of Eligible ExpensesR&C
(e) Intensive care (e) 深切治療	Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee (f) 外科醫生費	Full reimbursement of Eligible ExpensesR&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges (h) 手術室費	Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	Full reimbursement of Eligible ExpensesR&C
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	Full reimbursement of Eligible ExpensesR&C
(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	Full reimbursement of Eligible Expenses• Up to 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure• All relevant follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C
(l) Psychiatric treatments (l) 精神科治療	$60,000 per Policy Year
Extra Benefits
Outpatient kidney dialysis 門診腎透析	Full reimbursement of Eligible ExpensesR&C
Cancer / cardiac / stroke rehabilitation benefit 復康治療	$1,800 per day, maximum 90 days per Policy Year (within the post-discharge window)
Post-stroke home equipment upgrade 家居設備提升保障	$80,000 per Accident
Post-stroke rehabilitation visits 中風輔助保障	$1,000 per visit, 1 per day, maximum 30 days per Policy Year, aggregate maximum $100,000 per Accident
Emergency outpatient treatment for Accident 緊急門診治療	Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C
Emergency dental benefit (Accident only) 緊急門診牙科治療	Full reimbursement of Eligible Expenses within 3 months of the AccidentR&C
Hospital companion bed fee reimbursement 住院陪床費用	Full reimbursement of Eligible ExpensesR&C
Private nursing fee (during Confinement) 註冊私家看護費用	Full reimbursement of Eligible Expenses, maximum 120 days per Policy YearR&C
Daily post-surgery home nursing benefit 出院後私家看護	Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year (within the post-discharge window following surgery or Intensive Care Unit stay)R&C
Chinese Medicine Practitioner outpatient care 出院後／日間手術後中醫門診護理	$600 per visit• 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure
Reconstructive surgery for specified conditions 重建手術	$180,000 per Accident or per mastectomy
Reconstructive surgery medical device benefit 重建手術之醫療裝置	$100,000 per item per Policy Year
Organ transplant donor benefit 捐贈者保障（適用於香港）	30% of the total transplant cost (only for heart, kidney, liver, lung or bone marrow transplants performed in Hong Kong)
Hospice and palliative care benefit 善終服務	$100,000 per Policy Year
Complications of pregnancy 懷孕併發症	$180,000 per Policy Year
Outpatient sleep apnoea testing benefit 睡眠窒息症治療	$10,000 per sleep apnoea diagnosis
Cash Benefits
Day surgery cash benefit 門診手術現金津貼	Not applicable
Daily hospital cash supplement 住院現金保障	Not applicable
Second-claim cash allowanceAfter other pays 額外現金補貼保障	Not applicable
Event Benefits
Stroke disability allowance benefit 傷殘津貼保障	$7,500 per month, maximum 24 months per Accident

Basic Benefits

(a) Room and board
(a) 病房及膳食
Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges
(b) 雜項開支
Full reimbursement of Eligible ExpensesR&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee
(d) 專科醫生費
Full reimbursement of Eligible ExpensesR&C
(e) Intensive care
(e) 深切治療
Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee
(f) 外科醫生費
Full reimbursement of Eligible ExpensesR&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges
(h) 手術室費
Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
Full reimbursement of Eligible ExpensesR&C
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
Full reimbursement of Eligible ExpensesR&C
(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
Full reimbursement of Eligible Expenses• Up to 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure• All relevant follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C
(l) Psychiatric treatments
(l) 精神科治療
$60,000 per Policy Year

Extra Benefits

Outpatient kidney dialysis
門診腎透析
Full reimbursement of Eligible ExpensesR&C
Cancer / cardiac / stroke rehabilitation benefit
復康治療
$1,800 per day, maximum 90 days per Policy Year (within the post-discharge window)
Post-stroke home equipment upgrade
家居設備提升保障
$80,000 per Accident
Post-stroke rehabilitation visits
中風輔助保障
$1,000 per visit, 1 per day, maximum 30 days per Policy Year, aggregate maximum $100,000 per Accident
Emergency outpatient treatment for Accident
緊急門診治療
Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C
Emergency dental benefit (Accident only)
緊急門診牙科治療
Full reimbursement of Eligible Expenses within 3 months of the AccidentR&C
Hospital companion bed fee reimbursement
住院陪床費用
Full reimbursement of Eligible ExpensesR&C
Private nursing fee (during Confinement)
註冊私家看護費用
Full reimbursement of Eligible Expenses, maximum 120 days per Policy YearR&C
Daily post-surgery home nursing benefit
出院後私家看護
Full reimbursement of Eligible Expenses, maximum 196 days per Policy Year (within the post-discharge window following surgery or Intensive Care Unit stay)R&C
Chinese Medicine Practitioner outpatient care
出院後／日間手術後中醫門診護理
$600 per visit• 1 follow-up outpatient visit per day, up to 15 follow-up visits within 90 days after discharge from Hospital or completion of Day Case Procedure
Reconstructive surgery for specified conditions
重建手術
$180,000 per Accident or per mastectomy
Reconstructive surgery medical device benefit
重建手術之醫療裝置
$100,000 per item per Policy Year
Organ transplant donor benefit
捐贈者保障（適用於香港）
30% of the total transplant cost (only for heart, kidney, liver, lung or bone marrow transplants performed in Hong Kong)
Hospice and palliative care benefit
善終服務
$100,000 per Policy Year
Complications of pregnancy
懷孕併發症
$180,000 per Policy Year
Outpatient sleep apnoea testing benefit
睡眠窒息症治療
$10,000 per sleep apnoea diagnosis

Cash Benefits

Day surgery cash benefit
門診手術現金津貼
Not applicable
Daily hospital cash supplement
住院現金保障
Not applicable
Second-claim cash allowanceAfter other pays
額外現金補貼保障
Not applicable

Event Benefits

Stroke disability allowance benefit
傷殘津貼保障
$7,500 per month, maximum 24 months per Accident

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）乘以上表所述的其中一(1)個適用的無索償折扣率。 (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/F00059/F00059-01-000-01-PlanDoc-c.pdf

Premium Schedule

Annual premium · Single rate (gender / smoking agnostic) · HKD

Age	Premium
0	HK$4,805
1	HK$4,805
2	HK$4,805
3	HK$4,744
4	HK$4,670
5	HK$4,602
6	HK$4,537
7	HK$4,467
8	HK$4,394
9	HK$4,317
10	HK$4,261
11	HK$4,192
12	HK$4,184
13	HK$4,160
14	HK$4,140
15	HK$4,133
16	HK$4,117
17	HK$4,109
18	HK$4,076
19	HK$4,098
20	HK$4,109
21	HK$4,261
22	HK$4,467
23	HK$4,721
24	HK$4,998
25	HK$5,165
26	HK$5,574
27	HK$5,828
28	HK$6,043
29	HK$6,195
30	HK$6,330
31	HK$6,404
32	HK$6,445
33	HK$6,607
34	HK$6,689
35	HK$6,749
36	HK$6,814
37	HK$6,865
38	HK$6,947
39	HK$7,251
40	HK$7,579
41	HK$7,920
42	HK$8,249
43	HK$8,584
44	HK$8,984
45	HK$9,344
46	HK$9,721
47	HK$10,099
48	HK$10,491
49	HK$10,980
50	HK$11,463
51	HK$11,975
52	HK$12,477
53	HK$12,999
54	HK$13,695
55	HK$14,431
56	HK$15,150
57	HK$15,898
58	HK$16,645
59	HK$17,843
60	HK$19,098
61	HK$20,390
62	HK$21,702
63	HK$23,044
64	HK$24,570
65	HK$26,138
66	HK$27,726
67	HK$29,270
68	HK$30,712
69	HK$31,727
70	HK$32,705
71	HK$33,830
72	HK$34,935
73	HK$36,060
74	HK$37,364
75	HK$38,570
76	HK$39,893
77	HK$41,254
78	HK$42,659
79	HK$44,119
80	HK$45,567
81	HK$47,099
82	HK$48,594
83	HK$49,941
84	HK$51,516
85	HK$53,074
86	HK$54,627
87	HK$56,142
88	HK$57,683
89	HK$59,452
90	HK$61,233
91	HK$62,997
92	HK$64,765
93	HK$66,517
94	HK$68,107
95	HK$69,651
96	HK$71,242
97	HK$72,799
98	HK$74,365
99	HK$74,457

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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HK$40K

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HK$40K

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HK$80K

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HK$80K

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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: 2026-04-17

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.