← Back to Healthy Life Premier Medical Insurance Plan series

VHIS Flexi · F00030-02-000-03

Healthy Life Premier Medical Insurance Plan - Private

健康常伴優越醫療保險計劃 - 私家病房

China Life Insurance (Overseas) Company Limited

Add to compare

Your premium

HK$5,601 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$1,500,000

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	$4,500 per day, maximum 270 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$35,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$4,000 per day, maximum 270 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$12,000 per Policy Year
(e) Intensive care (e) 深切治療	$9,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 12,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$36,000
Surgeon's fee — Major 外科醫生費 — 大型	$60,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$120,000
(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	$40,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$200,000 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	$2,000, per visit, $8,000 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	$40,000 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）	$24,000 per Policy Year
Daily post-surgery home nursing benefit 家中看護津貼 (手術後)	$1,600 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	$900,000 per Policy Year
Outpatient kidney dialysis 門診腎透析治療	$150,000 per Policy Year, maximum 60 days per Policy Year
Cancer / cardiac / stroke rehabilitation benefit 復康治療	$50,000 per Policy Year
Death benefit due to medical incident 醫療事故身故賠償	$400,000
Cash Benefits
Second claim cash benefit 第二次索償現金保障	$300 per day• Maximum 30 days per Policy Year• $9,000 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	$1,500 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
$4,500 per day, maximum 270 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$35,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$4,000 per day, maximum 270 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$12,000 per Policy Year
(e) Intensive care
(e) 深切治療
$9,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 12,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$36,000
Surgeon's fee — Major
外科醫生費 — 大型
$60,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$120,000
(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
$40,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$200,000 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
$2,000, per visit, $8,000 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
$40,000 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）
$24,000 per Policy Year
Daily post-surgery home nursing benefit
家中看護津貼 (手術後)
$1,600 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
$900,000 per Policy Year
Outpatient kidney dialysis
門診腎透析治療
$150,000 per Policy Year, maximum 60 days per Policy Year
Cancer / cardiac / stroke rehabilitation benefit
復康治療
$50,000 per Policy Year
Death benefit due to medical incident
醫療事故身故賠償
$400,000

Cash Benefits

Second claim cash benefit
第二次索償現金保障
$300 per day• Maximum 30 days per Policy Year• $9,000 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
$1,500 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/F00030/F00030-01-000-03-PlanDoc-c.pdf

Premium Schedule

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

Age	Male	Female
0	HK$10,146	HK$9,348
1	HK$10,146	HK$9,348
2	HK$10,146	HK$9,348
3	HK$10,146	HK$9,348
4	HK$10,146	HK$9,348
5	HK$10,146	HK$9,348
6	HK$3,876	HK$3,876
7	HK$3,876	HK$3,876
8	HK$3,876	HK$3,876
9	HK$3,876	HK$3,876
10	HK$3,876	HK$3,876
11	HK$3,876	HK$3,876
12	HK$3,876	HK$3,876
13	HK$3,876	HK$3,876
14	HK$3,876	HK$3,876
15	HK$3,876	HK$3,876
16	HK$3,876	HK$3,876
17	HK$3,876	HK$3,876
18	HK$3,296	HK$4,038
19	HK$3,483	HK$4,329
20	HK$3,696	HK$4,704
21	HK$3,900	HK$4,997
22	HK$4,107	HK$5,286
23	HK$4,315	HK$5,571
24	HK$4,520	HK$5,849
25	HK$4,802	HK$6,234
26	HK$4,998	HK$6,498
27	HK$5,188	HK$6,755
28	HK$5,375	HK$7,005
29	HK$5,487	HK$7,213
30	HK$5,601	HK$7,425
31	HK$5,697	HK$7,628
32	HK$5,838	HK$7,832
33	HK$5,984	HK$8,045
34	HK$6,128	HK$8,262
35	HK$6,369	HK$8,688
36	HK$6,499	HK$8,902
37	HK$6,637	HK$9,125
38	HK$6,791	HK$9,371
39	HK$6,957	HK$9,628
40	HK$7,168	HK$9,990
41	HK$7,358	HK$10,335
42	HK$7,581	HK$10,633
43	HK$7,844	HK$10,963
44	HK$8,137	HK$11,310
45	HK$8,641	HK$11,991
46	HK$9,000	HK$12,376
47	HK$9,394	HK$12,779
48	HK$9,842	HK$13,207
49	HK$10,326	HK$13,654
50	HK$10,900	HK$14,226
51	HK$12,100	HK$14,328
52	HK$12,774	HK$14,430
53	HK$13,514	HK$14,919
54	HK$14,301	HK$15,425
55	HK$15,121	HK$15,881
56	HK$15,993	HK$16,423
57	HK$16,911	HK$16,983
58	HK$17,905	HK$17,589
59	HK$18,941	HK$18,216
60	HK$20,028	HK$18,648
61	HK$21,056	HK$19,053
62	HK$22,173	HK$19,731
63	HK$23,345	HK$20,431
64	HK$24,532	HK$21,164
65	HK$26,618	HK$22,458
66	HK$27,840	HK$23,281
67	HK$29,048	HK$24,157
68	HK$30,250	HK$25,130
69	HK$31,555	HK$26,091
70	HK$33,861	HK$27,940
71	HK$34,625	HK$28,296
72	HK$35,410	HK$29,621
73	HK$36,216	HK$31,026
74	HK$37,041	HK$32,477
75	HK$37,890	HK$34,615
76	HK$39,618	HK$36,208
77	HK$41,374	HK$37,824
78	HK$43,125	HK$39,445
79	HK$44,898	HK$41,087
80	HK$47,328	HK$43,068
81	HK$48,686	HK$44,443
82	HK$50,018	HK$45,803
83	HK$51,132	HK$47,056
84	HK$52,218	HK$48,288
85	HK$53,353	HK$49,442
86	HK$54,367	HK$50,619
87	HK$55,344	HK$51,765
88	HK$56,274	HK$52,878
89	HK$57,165	HK$53,953
90	HK$57,474	HK$54,267
91	HK$57,549	HK$54,582
92	HK$57,626	HK$54,900
93	HK$58,290	HK$55,757
94	HK$59,112	HK$56,561
95	HK$59,774	HK$57,311
96	HK$60,284	HK$57,988
97	HK$60,686	HK$58,612
98	HK$61,028	HK$59,180
99	HK$61,307	HK$59,694

Other deductible options in this series

4 deductibles — same benefit schedule, premium scales with deductible

Semi-private

View details →

Semi-private with SMM

View details →

Private

Current page

Private with SMM

View details →

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.