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VHIS Flexi · F00030-01-001-03

Healthy Life Premier Medical Insurance Plan - Semi-private with SMM

健康常伴優越醫療保險計劃 - 半私家病房連附加保障

China Life Insurance (Overseas) Company Limited

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Your premium

HK$4,687 /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

HK$240,000／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	$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$8,208	HK$7,581
1	HK$8,208	HK$7,581
2	HK$8,208	HK$7,581
3	HK$8,208	HK$7,581
4	HK$8,208	HK$7,581
5	HK$8,208	HK$7,581
6	HK$3,192	HK$3,192
7	HK$3,192	HK$3,192
8	HK$3,192	HK$3,192
9	HK$3,192	HK$3,192
10	HK$3,192	HK$3,192
11	HK$3,192	HK$3,192
12	HK$3,192	HK$3,192
13	HK$3,192	HK$3,192
14	HK$3,192	HK$3,192
15	HK$3,192	HK$3,192
16	HK$3,192	HK$3,192
17	HK$3,192	HK$3,192
18	HK$2,880	HK$3,364
19	HK$3,029	HK$3,599
20	HK$3,211	HK$3,936
21	HK$3,372	HK$4,172
22	HK$3,534	HK$4,407
23	HK$3,695	HK$4,638
24	HK$3,852	HK$4,861
25	HK$4,091	HK$5,182
26	HK$4,241	HK$5,396
27	HK$4,383	HK$5,602
28	HK$4,519	HK$5,803
29	HK$4,602	HK$5,980
30	HK$4,687	HK$6,163
31	HK$4,773	HK$6,340
32	HK$4,887	HK$6,503
33	HK$5,002	HK$6,672
34	HK$5,116	HK$6,843
35	HK$5,344	HK$7,197
36	HK$5,446	HK$7,368
37	HK$5,556	HK$7,543
38	HK$5,676	HK$7,736
39	HK$5,807	HK$7,939
40	HK$5,990	HK$8,197
41	HK$6,142	HK$8,455
42	HK$6,319	HK$8,690
43	HK$6,528	HK$8,949
44	HK$6,756	HK$9,218
45	HK$7,187	HK$9,790
46	HK$7,472	HK$10,092
47	HK$7,782	HK$10,408
48	HK$8,135	HK$10,745
49	HK$8,517	HK$11,096
50	HK$9,015	HK$11,603
51	HK$9,981	HK$11,670
52	HK$10,520	HK$11,739
53	HK$11,107	HK$12,130
54	HK$11,734	HK$12,535
55	HK$12,437	HK$12,929
56	HK$13,136	HK$13,364
57	HK$13,872	HK$13,815
58	HK$14,664	HK$14,297
59	HK$15,490	HK$14,796
60	HK$16,440	HK$15,235
61	HK$17,280	HK$15,611
62	HK$18,177	HK$16,157
63	HK$19,116	HK$16,723
64	HK$20,067	HK$17,318
65	HK$21,830	HK$18,509
66	HK$22,807	HK$19,174
67	HK$23,778	HK$19,879
68	HK$24,741	HK$20,658
69	HK$25,780	HK$21,427
70	HK$27,719	HK$23,043
71	HK$28,324	HK$23,311
72	HK$28,946	HK$24,378
73	HK$29,582	HK$25,506
74	HK$30,234	HK$26,670
75	HK$30,903	HK$28,450
76	HK$32,286	HK$29,728
77	HK$33,692	HK$31,027
78	HK$35,098	HK$32,336
79	HK$36,523	HK$33,661
80	HK$38,392	HK$35,160
81	HK$39,478	HK$36,268
82	HK$40,550	HK$37,366
83	HK$41,487	HK$38,396
84	HK$42,403	HK$39,413
85	HK$43,217	HK$40,226
86	HK$44,082	HK$41,205
87	HK$44,922	HK$42,163
88	HK$45,732	HK$43,098
89	HK$46,515	HK$44,007
90	HK$46,627	HK$44,218
91	HK$46,757	HK$44,430
92	HK$46,888	HK$44,642
93	HK$47,507	HK$45,393
94	HK$48,331	HK$46,102
95	HK$48,995	HK$46,771
96	HK$49,510	HK$47,383
97	HK$49,929	HK$47,960
98	HK$50,303	HK$48,498
99	HK$50,632	HK$49,003

Other deductible options in this series

4 deductibles — same benefit schedule, premium scales with deductible

Semi-private

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Semi-private with SMM

Current page

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.