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VHIS Flexi · F00030-01-000-03

Healthy Life Premier Medical Insurance Plan - Semi-private

健康常伴優越醫療保險計劃 - 半私家病房

China Life Insurance (Overseas) Company Limited

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Your premium

HK$3,386 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$1,100,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

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	$2,500 per day, maximum 270 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$24,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$2,000 per day, maximum 270 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$6,000 per Policy Year
(e) Intensive care (e) 深切治療	$6,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 8,600
Surgeon's fee — Intermediate 外科醫生費 — 中型	$25,800
Surgeon's fee — Major 外科醫生費 — 大型	$43,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$86,000
(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	$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$150,000 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	$1,400, per visit, $6,000 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	$35,000 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）	$16,000 per Policy Year
Daily post-surgery home nursing benefit 家中看護津貼 (手術後)	$800 per visit• Maximum 30 visits per Policy Year• Up to 1 per day• Within 90 days after discharge from Hospital
Organ transplant donor benefit 器官捐贈者保障	$800,000 per Policy Year
Outpatient kidney dialysis 門診腎透析治療	$80,000 per Policy Year, maximum 60 days per Policy Year
Cancer / cardiac / stroke rehabilitation benefit 復康治療	$30,000 per Policy Year
Death benefit due to medical incident 醫療事故身故賠償	$200,000
Cash Benefits
Second claim cash benefit 第二次索償現金保障	$300 per day• Maximum 20 days per Policy Year• $6,000 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	$1,000 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
$2,500 per day, maximum 270 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$24,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$2,000 per day, maximum 270 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$6,000 per Policy Year
(e) Intensive care
(e) 深切治療
$6,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 8,600
Surgeon's fee — Intermediate
外科醫生費 — 中型
$25,800
Surgeon's fee — Major
外科醫生費 — 大型
$43,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$86,000
(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
$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$150,000 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
$1,400, per visit, $6,000 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
$35,000 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）
$16,000 per Policy Year
Daily post-surgery home nursing benefit
家中看護津貼 (手術後)
$800 per visit• Maximum 30 visits per Policy Year• Up to 1 per day• Within 90 days after discharge from Hospital
Organ transplant donor benefit
器官捐贈者保障
$800,000 per Policy Year
Outpatient kidney dialysis
門診腎透析治療
$80,000 per Policy Year, maximum 60 days per Policy Year
Cancer / cardiac / stroke rehabilitation benefit
復康治療
$30,000 per Policy Year
Death benefit due to medical incident
醫療事故身故賠償
$200,000

Cash Benefits

Second claim cash benefit
第二次索償現金保障
$300 per day• Maximum 20 days per Policy Year• $6,000 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
$1,000 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/F00030/F00030-01-000-03-PlanDoc-c.pdf

Premium Schedule

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

Age	Male	Female
0	HK$5,700	HK$5,244
1	HK$5,700	HK$5,244
2	HK$5,700	HK$5,244
3	HK$5,700	HK$5,244
4	HK$5,700	HK$5,244
5	HK$5,700	HK$5,244
6	HK$2,280	HK$2,280
7	HK$2,280	HK$2,280
8	HK$2,280	HK$2,280
9	HK$2,280	HK$2,280
10	HK$2,280	HK$2,280
11	HK$2,280	HK$2,280
12	HK$2,280	HK$2,280
13	HK$2,280	HK$2,280
14	HK$2,280	HK$2,280
15	HK$2,280	HK$2,280
16	HK$2,280	HK$2,280
17	HK$2,280	HK$2,280
18	HK$2,208	HK$2,597
19	HK$2,309	HK$2,761
20	HK$2,432	HK$3,012
21	HK$2,537	HK$3,175
22	HK$2,641	HK$3,333
23	HK$2,747	HK$3,488
24	HK$2,849	HK$3,639
25	HK$3,023	HK$3,876
26	HK$3,114	HK$4,015
27	HK$3,201	HK$4,148
28	HK$3,287	HK$4,276
29	HK$3,337	HK$4,400
30	HK$3,386	HK$4,528
31	HK$3,452	HK$4,669
32	HK$3,534	HK$4,788
33	HK$3,616	HK$4,911
34	HK$3,699	HK$5,037
35	HK$3,877	HK$5,324
36	HK$3,944	HK$5,432
37	HK$4,013	HK$5,545
38	HK$4,093	HK$5,669
39	HK$4,178	HK$5,801
40	HK$4,307	HK$5,982
41	HK$4,405	HK$6,158
42	HK$4,521	HK$6,311
43	HK$4,661	HK$6,479
44	HK$4,815	HK$6,656
45	HK$5,139	HK$7,091
46	HK$5,331	HK$7,289
47	HK$5,539	HK$7,494
48	HK$5,781	HK$7,712
49	HK$6,040	HK$7,941
50	HK$6,389	HK$8,297
51	HK$7,071	HK$8,341
52	HK$7,445	HK$8,386
53	HK$7,859	HK$8,658
54	HK$8,298	HK$8,940
55	HK$8,793	HK$9,209
56	HK$9,280	HK$9,510
57	HK$9,791	HK$9,823
58	HK$10,347	HK$10,161
59	HK$10,926	HK$10,510
60	HK$11,601	HK$10,797
61	HK$12,179	HK$11,028
62	HK$12,803	HK$11,409
63	HK$13,459	HK$11,800
64	HK$14,125	HK$12,212
65	HK$15,482	HK$13,124
66	HK$16,170	HK$13,587
67	HK$16,849	HK$14,078
68	HK$17,526	HK$14,623
69	HK$18,258	HK$15,162
70	HK$19,768	HK$16,405
71	HK$20,216	HK$16,584
72	HK$20,675	HK$17,334
73	HK$21,146	HK$18,127
74	HK$21,630	HK$18,948
75	HK$22,126	HK$20,289
76	HK$23,112	HK$21,194
77	HK$24,114	HK$22,111
78	HK$25,119	HK$23,037
79	HK$26,135	HK$23,973
80	HK$27,545	HK$25,069
81	HK$28,327	HK$25,856
82	HK$29,099	HK$26,637
83	HK$29,759	HK$27,365
84	HK$30,405	HK$28,082
85	HK$30,982	HK$28,643
86	HK$31,599	HK$29,341
87	HK$32,204	HK$30,025
88	HK$32,790	HK$30,700
89	HK$33,364	HK$31,359
90	HK$33,385	HK$31,494
91	HK$33,499	HK$31,628
92	HK$33,614	HK$31,764
93	HK$34,089	HK$32,322
94	HK$34,759	HK$32,862
95	HK$35,298	HK$33,374
96	HK$35,720	HK$33,850
97	HK$36,066	HK$34,305
98	HK$36,387	HK$34,739
99	HK$36,680	HK$35,158

Other deductible options in this series

4 deductibles — same benefit schedule, premium scales with deductible

Semi-private

Current page

Semi-private with SMM

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Private

View details →

Private with SMM

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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: 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.