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VHIS Flexi · F00073-05-000-01

Blue Cross Love Yourself VHIS Plan - HKD0 Deductible (Worldwide )

藍十字「愛自己」自願醫保計劃 - 0港元自付費 (全球)

Blue Cross (Asia-Pacific) Insurance Limited

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Your premium

HK$13,643 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

Annual benefit limit

HK$6,000,000

Per-illness annual limit

—

Lifetime benefit limit

HK$40,000,000

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	$40,000 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 30 days per Policy Year (within the post-discharge window)
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, services provided by 1 registered nurse per day, maximum 30 days per Policy YearR&C
Daily post-surgery home nursing benefit 出院後私家看護	Full reimbursement of Eligible Expenses, services provided by 1 registered nurse per day, maximum 90 days per Policy Year (within the post-discharge window after 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	$400 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	$160,000 per Accident or per mastectomy
Reconstructive surgery medical device benefit 重建手術之醫療裝置	$50,000 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	$100,000 per Policy Year
Cash Benefits
Day surgery cash benefit 門診手術現金津貼	$1,200 per Day Case Procedure
Daily ICU confinement cash benefit (Hong Kong) 於香港入住深切治療部的現金保障	$1,000 per day, maximum 30 days per Policy Year
Second-claim cash allowanceAfter other pays 額外現金補貼保障	$800 per day during Confinement, maximum 60 days per Policy Year

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
$40,000 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 30 days per Policy Year (within the post-discharge window)
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, services provided by 1 registered nurse per day, maximum 30 days per Policy YearR&C
Daily post-surgery home nursing benefit
出院後私家看護
Full reimbursement of Eligible Expenses, services provided by 1 registered nurse per day, maximum 90 days per Policy Year (within the post-discharge window after 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
$400 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
$160,000 per Accident or per mastectomy
Reconstructive surgery medical device benefit
重建手術之醫療裝置
$50,000 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
$100,000 per Policy Year

Cash Benefits

Day surgery cash benefit
門診手術現金津貼
$1,200 per Day Case Procedure
Daily ICU confinement cash benefit (Hong Kong)
於香港入住深切治療部的現金保障
$1,000 per day, maximum 30 days per Policy Year
Second-claim cash allowanceAfter other pays
額外現金補貼保障
$800 per day during Confinement, maximum 60 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	7.5%
3 yrs	12.5%
5 yrs	15%
6 yrs	20%

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連續兩(2)年 7.5% 連續三(3)至四(4)年 12.5% 連續五(5)年 15% 連續六(6)年或以上 20% (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。 (e) 儘管有任何其他規定，任何就條款及保障補充文件 – 保障條文 A 部分第 3 及 4 節及 B 部分第 1 至 3 節（如適用）作出的賠償將不會影響受保人獲無索償折扣之資格。

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00073/F00073-01-000-01-PlanDoc-c.pdf

Premium Schedule

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

Age	Premium
0	HK$9,586
1	HK$9,586
2	HK$9,586
3	HK$9,467
4	HK$9,320
5	HK$9,182
6	HK$9,053
7	HK$8,916
8	HK$8,768
9	HK$8,611
10	HK$8,502
11	HK$8,363
12	HK$8,345
13	HK$8,299
14	HK$8,262
15	HK$8,244
16	HK$8,216
17	HK$8,197
18	HK$8,133
19	HK$8,180
20	HK$9,017
21	HK$9,353
22	HK$9,808
23	HK$10,364
24	HK$10,971
25	HK$11,335
26	HK$12,236
27	HK$12,792
28	HK$13,268
29	HK$13,601
30	HK$13,643
31	HK$13,802
32	HK$13,890
33	HK$14,238
34	HK$14,417
35	HK$14,548
36	HK$14,685
37	HK$14,795
38	HK$14,973
39	HK$15,630
40	HK$16,335
41	HK$17,070
42	HK$17,776
43	HK$18,500
44	HK$19,364
45	HK$20,140
46	HK$20,956
47	HK$21,770
48	HK$22,614
49	HK$23,669
50	HK$24,711
51	HK$25,814
52	HK$26,897
53	HK$28,019
54	HK$29,519
55	HK$31,109
56	HK$32,659
57	HK$34,267
58	HK$35,877
59	HK$38,461
60	HK$41,173
61	HK$43,954
62	HK$46,786
63	HK$49,676
64	HK$52,966
65	HK$56,343
66	HK$59,772
67	HK$63,099
68	HK$66,209
69	HK$68,395
70	HK$70,502
71	HK$72,924
72	HK$75,310
73	HK$77,735
74	HK$80,545
75	HK$83,149
76	HK$86,000
77	HK$88,930
78	HK$91,960
79	HK$95,110
80	HK$98,230
81	HK$101,537
82	HK$104,757
83	HK$107,658
84	HK$111,056
85	HK$114,415
86	HK$117,763
87	HK$121,030
88	HK$124,350
89	HK$128,166
90	HK$132,009
91	HK$135,804
92	HK$139,620
93	HK$143,395
94	HK$146,824
95	HK$150,150
96	HK$153,578
97	HK$156,937
98	HK$160,314
99	HK$160,514
100	HK$160,514
101	HK$160,514

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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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.