Healthy Life Medical Insurance Plan

健康常伴醫療保險計劃

China Life Insurance (Overseas) Company Limited

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Your premium

HK$3,222 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$800,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

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

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	$1,200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$16,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,600 per Policy Year
(e) Intensive care (e) 深切治療	$4,600 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 5,500
Surgeon's fee — Intermediate 外科醫生費 — 中型	$14,000
Surgeon's fee — Major 外科醫生費 — 大型	$28,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$55,000
(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	$25,000 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	$1,100, per visit, $5,000 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
Extra Benefits
Hospital companion bed fee reimbursement 家屬陪床費	Full reimbursement (no sub-limit). Maximum 180 days per Policy YearR&C
Emergency outpatient treatment for Accident 急症門診治療費（意外受傷）	$10,000 per Policy Year within 24 hours of the Accident
Daily post-surgery home nursing benefit 家中看護津貼 (手術後)	$500 per visit• Maximum 30 visits per Policy Year• Up to 1 per day• Within 90 days after discharge from Hospital
Outpatient kidney dialysis 門診腎透析治療	$50,000 per Policy Year, maximum 60 days per Policy Year
Death benefit due to medical incident 醫療事故身故賠償	$100,000
Cash Benefits
Second claim cash benefit 第二次索償現金保障	$300 per day• Maximum 10 days per Policy Year• $3,000 per Policy Year
GBA Designated Hospital Designated Surgery Cash Benefit 大灣區內地城市的指定醫院之指定手術現金保障	$500 per designated surgery• Maximum 2 times per Policy Year• Up to 1 per day
Event Benefits
Compassionate death benefit 恩恤身故賠償	$10,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$16,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,600 per Policy Year
(e) Intensive care
(e) 深切治療
$4,600 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 5,500
Surgeon's fee — Intermediate
外科醫生費 — 中型
$14,000
Surgeon's fee — Major
外科醫生費 — 大型
$28,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$55,000
(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
$25,000 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
$1,100, per visit, $5,000 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

Extra Benefits

Hospital companion bed fee reimbursement
家屬陪床費
Full reimbursement (no sub-limit). Maximum 180 days per Policy YearR&C
Emergency outpatient treatment for Accident
急症門診治療費（意外受傷）
$10,000 per Policy Year within 24 hours of the Accident
Daily post-surgery home nursing benefit
家中看護津貼 (手術後)
$500 per visit• Maximum 30 visits per Policy Year• Up to 1 per day• Within 90 days after discharge from Hospital
Outpatient kidney dialysis
門診腎透析治療
$50,000 per Policy Year, maximum 60 days per Policy Year
Death benefit due to medical incident
醫療事故身故賠償
$100,000

Cash Benefits

Second claim cash benefit
第二次索償現金保障
$300 per day• Maximum 10 days per Policy Year• $3,000 per Policy Year
GBA Designated Hospital Designated Surgery Cash Benefit
大灣區內地城市的指定醫院之指定手術現金保障
$500 per designated surgery• Maximum 2 times per Policy Year• Up to 1 per day

Event Benefits

Compassionate death benefit
恩恤身故賠償
$10,000

No-Claim Bonus

Renewal premium discount earned by staying claim-free

Single flat-rate discount

15% (consecutive 3 yrs)

Discount schedule

Consecutive claim-free years	Discount
3 yrs	15%

Verbatim clause

無索償折扣 1. 在本保單生效期間，本保單於相關保單年度的續保日之應繳保費將根據無索償折扣而被調低，惟必須符合以下所有條件： 1.1 過去連續三(3)個保單年度或以上(「合資格的年數」)不曾就本保單內的任何保障作出賠償；及 1.2 本保單於合資格的年數內持續生效。適用的無索償折扣根據下表計算：合資格的年數無索償折扣緊隨合資格的年數後的保單年度之連續三(3)個保單年度或以上應繳保費的百分之十五(15%) 2. 就上述第 1 節而言： 2.1. 有關任何醫療服務，如該次醫療服務之開始日期及結束日期不在同一保單年度內，就計算無索償折扣的金額而言，任何於本保單下有關該次醫療服務所支付的賠償將計入發生該次醫療服務的開始日期之保單年度。 3. 在本保單生效期間及保費根據上表調低後，若本公司須根據本保單就過往三(3)個保單年度支付有關醫療服務的賠償款項，則該無索償折扣的金額需按要求即時全數償還至本公司。

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00024/F00024-01-000-03-PlanDoc-c.pdf

Premium Schedule

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

Age	Male	Female
0	HK$5,130	HK$4,788
1	HK$5,130	HK$4,788
2	HK$5,130	HK$4,788
3	HK$5,130	HK$4,788
4	HK$5,130	HK$4,788
5	HK$5,130	HK$4,788
6	HK$2,109	HK$2,109
7	HK$2,109	HK$2,109
8	HK$2,109	HK$2,109
9	HK$2,109	HK$2,109
10	HK$2,109	HK$2,109
11	HK$2,109	HK$2,109
12	HK$2,109	HK$2,109
13	HK$2,109	HK$2,109
14	HK$2,109	HK$2,109
15	HK$2,109	HK$2,109
16	HK$2,109	HK$2,109
17	HK$2,109	HK$2,109
18	HK$2,038	HK$2,454
19	HK$2,134	HK$2,604
20	HK$2,265	HK$2,850
21	HK$2,368	HK$2,997
22	HK$2,470	HK$3,138
23	HK$2,575	HK$3,278
24	HK$2,676	HK$3,410
25	HK$2,847	HK$3,624
26	HK$2,940	HK$3,745
27	HK$3,028	HK$3,859
28	HK$3,113	HK$3,969
29	HK$3,167	HK$4,077
30	HK$3,222	HK$4,188
31	HK$3,284	HK$4,322
32	HK$3,362	HK$4,431
33	HK$3,438	HK$4,542
34	HK$3,516	HK$4,656
35	HK$3,687	HK$4,921
36	HK$3,748	HK$5,025
37	HK$3,813	HK$5,133
38	HK$3,887	HK$5,252
39	HK$3,967	HK$5,375
40	HK$4,086	HK$5,540
41	HK$4,178	HK$5,705
42	HK$4,289	HK$5,848
43	HK$4,419	HK$6,007
44	HK$4,561	HK$6,174
45	HK$4,866	HK$6,585
46	HK$5,045	HK$6,770
47	HK$5,239	HK$6,965
48	HK$5,463	HK$7,172
49	HK$5,706	HK$7,388
50	HK$6,037	HK$7,730
51	HK$6,674	HK$7,767
52	HK$7,026	HK$7,804
53	HK$7,411	HK$8,056
54	HK$7,822	HK$8,317
55	HK$8,292	HK$8,566
56	HK$8,750	HK$8,845
57	HK$9,229	HK$9,136
58	HK$9,750	HK$9,447
59	HK$10,292	HK$9,771
60	HK$10,936	HK$10,049
61	HK$11,481	HK$10,275
62	HK$12,068	HK$10,627
63	HK$12,684	HK$10,991
64	HK$13,310	HK$11,373
65	HK$14,592	HK$12,238
66	HK$15,236	HK$12,667
67	HK$15,875	HK$13,121
68	HK$16,512	HK$13,625
69	HK$17,198	HK$14,125
70	HK$18,620	HK$15,282
71	HK$19,037	HK$15,463
72	HK$19,464	HK$16,177
73	HK$19,904	HK$16,934
74	HK$20,355	HK$17,719
75	HK$20,816	HK$18,987
76	HK$21,741	HK$19,854
77	HK$22,681	HK$20,740
78	HK$23,624	HK$21,634
79	HK$24,582	HK$22,542
80	HK$25,878	HK$23,570
81	HK$26,616	HK$24,311
82	HK$27,343	HK$25,046
83	HK$27,973	HK$25,736
84	HK$28,593	HK$26,418
85	HK$29,125	HK$26,921
86	HK$29,721	HK$27,588
87	HK$30,307	HK$28,244
88	HK$30,880	HK$28,890
89	HK$31,442	HK$29,526
90	HK$31,453	HK$29,656
91	HK$31,586	HK$29,787
92	HK$31,718	HK$29,918
93	HK$32,195	HK$30,468
94	HK$32,887	HK$30,997
95	HK$33,443	HK$31,506
96	HK$33,879	HK$31,980
97	HK$34,241	HK$32,439
98	HK$34,580	HK$32,880
99	HK$34,897	HK$33,310

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Jun 1, 2026
Last verified: 2026-06-02

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.