CareForYou Standard Plan for VHIS

「只衛您」標準自願醫保計劃

Blue Cross (Asia-Pacific) Insurance Limited

CareForYou Standard Plan for VHIS is a VHIS Standard plan offered by Blue Cross (Asia-Pacific) Insurance Limited, with ward class N/A (capped), Worldwide coverage and HK$420,000 annual benefit limit. Latest plan-document version: Jan 1, 2026.

01 · Plan at a glanceQuote a premium by age, gender and smoking status

Your premium

HK$3,469 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

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	$750 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 25 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	$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up 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
Cash Benefits
Daily hospital cash supplement 住院現金保障	$400 per day, maximum 10 days per Policy Year

Basic Benefits

(a) Room and board
(a) 病房及膳食
$750 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 25 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
$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up 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

Cash Benefits

Daily hospital cash supplement
住院現金保障
$400 per day, maximum 10 days per Policy Year

Premium Schedule

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

Age	Male	Female
0	HK$5,554	HK$3,896
1	HK$4,722	HK$3,312
2	HK$4,061	HK$2,850
3	HK$3,574	HK$2,508
4	HK$3,145	HK$2,206
5	HK$2,914	HK$2,065
6	HK$2,771	HK$1,987
7	HK$2,635	HK$1,928
8	HK$2,507	HK$1,871
9	HK$2,384	HK$1,837
10	HK$2,346	HK$1,863
11	HK$2,385	HK$1,969
12	HK$2,425	HK$2,082
13	HK$2,467	HK$2,200
14	HK$2,509	HK$2,347
15	HK$2,571	HK$2,499
16	HK$2,657	HK$2,657
17	HK$2,742	HK$2,785
18	HK$2,832	HK$2,962
19	HK$2,925	HK$3,151
20	HK$2,986	HK$3,263
21	HK$3,014	HK$3,293
22	HK$3,041	HK$3,325
23	HK$3,071	HK$3,356
24	HK$3,101	HK$3,389
25	HK$3,145	HK$3,424
26	HK$3,204	HK$3,463
27	HK$3,263	HK$3,504
28	HK$3,325	HK$3,544
29	HK$3,387	HK$3,584
30	HK$3,469	HK$3,657
31	HK$3,570	HK$3,763
32	HK$3,675	HK$3,873
33	HK$3,781	HK$3,990
34	HK$3,892	HK$4,105
35	HK$4,024	HK$4,247
36	HK$4,182	HK$4,418
37	HK$4,342	HK$4,595
38	HK$4,511	HK$4,779
39	HK$4,686	HK$4,971
40	HK$4,898	HK$5,218
41	HK$5,152	HK$5,528
42	HK$5,417	HK$5,855
43	HK$5,698	HK$6,202
44	HK$5,990	HK$6,569
45	HK$6,265	HK$6,895
46	HK$6,519	HK$7,170
47	HK$6,781	HK$7,459
48	HK$7,056	HK$7,759
49	HK$7,341	HK$8,073
50	HK$7,718	HK$8,488
51	HK$8,200	HK$9,018
52	HK$8,710	HK$9,581
53	HK$9,254	HK$10,180
54	HK$9,832	HK$10,816
55	HK$10,416	HK$11,348
56	HK$11,005	HK$11,763
57	HK$11,629	HK$12,193
58	HK$12,286	HK$12,641
59	HK$12,982	HK$13,102
60	HK$13,595	HK$13,595
61	HK$14,122	HK$14,122
62	HK$14,666	HK$14,666
63	HK$15,232	HK$15,232
64	HK$15,821	HK$15,821
65	HK$16,624	HK$16,624
66	HK$17,665	HK$17,665
67	HK$18,770	HK$18,770
68	HK$19,946	HK$19,946
69	HK$21,194	HK$21,194
70	HK$22,144	HK$22,144
71	HK$22,768	HK$22,768
72	HK$23,409	HK$23,409
73	HK$24,070	HK$24,070
74	HK$24,748	HK$24,748
75	HK$25,492	HK$25,492
76	HK$26,255	HK$26,255
77	HK$27,046	HK$27,046
78	HK$27,855	HK$27,855
79	HK$28,691	HK$28,691
80	HK$29,552	HK$29,552
81	HK$30,143	HK$30,143
82	HK$30,746	HK$30,746
83	HK$31,361	HK$31,361
84	HK$31,989	HK$31,989
85	HK$32,627	HK$32,627
86	HK$32,954	HK$32,954
87	HK$33,283	HK$33,283
88	HK$33,616	HK$33,616
89	HK$33,952	HK$33,952
90	HK$34,291	HK$34,291
91	HK$34,462	HK$34,462
92	HK$34,636	HK$34,636
93	HK$34,808	HK$34,808
94	HK$34,982	HK$34,982
95	HK$35,156	HK$35,156
96	HK$35,331	HK$35,331
97	HK$35,509	HK$35,509
98	HK$35,686	HK$35,686
99	HK$35,865	HK$35,865

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

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