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VHIS Flexi · F00030-02-001-03

Healthy Life Premier Medical Insurance Plan - Private with SMM

健康常伴優越醫療保險計劃 - 私家病房連附加保障

China Life Insurance (Overseas) Company Limited

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Your premium

HK$7,657 /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

HK$480,000／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	$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$13,908	HK$12,996
1	HK$13,908	HK$12,996
2	HK$13,908	HK$12,996
3	HK$13,908	HK$12,996
4	HK$13,908	HK$12,996
5	HK$13,908	HK$12,996
6	HK$5,244	HK$5,244
7	HK$5,244	HK$5,244
8	HK$5,244	HK$5,244
9	HK$5,244	HK$5,244
10	HK$5,244	HK$5,244
11	HK$5,244	HK$5,244
12	HK$5,244	HK$5,244
13	HK$5,244	HK$5,244
14	HK$5,244	HK$5,244
15	HK$5,244	HK$5,244
16	HK$5,244	HK$5,244
17	HK$5,244	HK$5,244
18	HK$4,381	HK$5,380
19	HK$4,646	HK$5,780
20	HK$4,948	HK$6,284
21	HK$5,236	HK$6,688
22	HK$5,529	HK$7,086
23	HK$5,824	HK$7,483
24	HK$6,118	HK$7,868
25	HK$6,500	HK$8,372
26	HK$6,783	HK$8,740
27	HK$7,059	HK$9,097
28	HK$7,331	HK$9,447
29	HK$7,492	HK$9,716
30	HK$7,657	HK$9,994
31	HK$7,784	HK$10,246
32	HK$7,979	HK$10,524
33	HK$8,175	HK$10,813
34	HK$8,373	HK$11,104
35	HK$8,682	HK$11,633
36	HK$8,845	HK$11,912
37	HK$9,017	HK$12,201
38	HK$9,211	HK$12,518
39	HK$9,421	HK$12,850
40	HK$9,685	HK$13,302
41	HK$9,929	HK$13,734
42	HK$10,213	HK$14,119
43	HK$10,551	HK$14,544
44	HK$10,926	HK$14,991
45	HK$11,547	HK$15,816
46	HK$12,006	HK$16,313
47	HK$12,515	HK$16,832
48	HK$13,089	HK$17,385
49	HK$13,713	HK$17,961
50	HK$14,448	HK$18,686
51	HK$16,041	HK$18,825
52	HK$16,940	HK$18,963
53	HK$17,924	HK$19,617
54	HK$18,974	HK$20,295
55	HK$20,074	HK$20,922
56	HK$21,240	HK$21,649
57	HK$22,469	HK$22,400
58	HK$23,795	HK$23,209
59	HK$25,176	HK$24,046
60	HK$26,629	HK$24,676
61	HK$28,021	HK$25,278
62	HK$29,519	HK$26,190
63	HK$31,086	HK$27,132
64	HK$32,674	HK$28,119
65	HK$35,272	HK$29,744
66	HK$36,904	HK$30,847
67	HK$38,522	HK$32,017
68	HK$40,128	HK$33,306
69	HK$41,862	HK$34,588
70	HK$44,701	HK$36,897
71	HK$45,781	HK$37,467
72	HK$46,895	HK$39,333
73	HK$48,041	HK$41,304
74	HK$49,222	HK$43,352
75	HK$50,438	HK$46,197
76	HK$52,873	HK$48,456
77	HK$55,357	HK$50,759
78	HK$57,856	HK$53,086
79	HK$60,394	HK$55,452
80	HK$63,695	HK$58,213
81	HK$65,517	HK$60,078
82	HK$67,306	HK$61,918
83	HK$68,838	HK$63,633
84	HK$70,325	HK$65,314
85	HK$71,846	HK$66,888
86	HK$73,230	HK$68,489
87	HK$74,555	HK$70,043
88	HK$75,816	HK$71,546
89	HK$77,014	HK$72,996
90	HK$77,517	HK$73,446
91	HK$77,601	HK$73,898
92	HK$77,688	HK$74,354
93	HK$78,555	HK$75,490
94	HK$79,580	HK$76,542
95	HK$80,406	HK$77,517
96	HK$81,038	HK$78,391
97	HK$81,532	HK$79,184
98	HK$81,932	HK$79,897
99	HK$82,242	HK$80,525

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

View details →

Private with SMM

Current page

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.