Guard Your Health Medical Insurance Plan

衛您健康醫療保險計劃

China Life Insurance (Overseas) Company Limited

Guard Your Health Medical Insurance Plan is a VHIS Standard plan offered by China Life Insurance (Overseas) Company Limited, with ward class N/A (capped), Worldwide coverage and HK$420,000 annual benefit limit. Latest plan-document version: Apr 1, 2021.

01 · Plan at a glanceQuote a premium by age, gender and smoking status

Your premium

HK$1,949 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

Per-illness annual limit

—

Lifetime benefit limit

—

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	$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(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	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 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	$580, per visit, $3,000 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
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
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(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
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 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
$580, per visit, $3,000 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

Event Benefits

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

Premium Schedule

Annual premium · Single rate (gender / smoking agnostic) · HKD

Age	Premium
0	HK$2,650
1	HK$2,650
2	HK$2,650
3	HK$2,650
4	HK$2,650
5	HK$2,650
6	HK$1,450
7	HK$1,450
8	HK$1,450
9	HK$1,450
10	HK$1,450
11	HK$1,450
12	HK$1,450
13	HK$1,450
14	HK$1,450
15	HK$1,450
16	HK$1,450
17	HK$1,450
18	HK$1,404
19	HK$1,431
20	HK$1,460
21	HK$1,486
22	HK$1,515
23	HK$1,555
24	HK$1,597
25	HK$1,682
26	HK$1,762
27	HK$1,843
28	HK$1,881
29	HK$1,915
30	HK$1,949
31	HK$1,980
32	HK$2,010
33	HK$2,066
34	HK$2,124
35	HK$2,181
36	HK$2,242
37	HK$2,306
38	HK$2,360
39	HK$2,420
40	HK$2,483
41	HK$2,556
42	HK$2,633
43	HK$2,733
44	HK$2,844
45	HK$2,963
46	HK$3,099
47	HK$3,249
48	HK$3,397
49	HK$3,560
50	HK$3,739
51	HK$3,931
52	HK$4,138
53	HK$4,386
54	HK$4,651
55	HK$4,929
56	HK$5,248
57	HK$5,654
58	HK$5,824
59	HK$6,074
60	HK$6,334
61	HK$6,602
62	HK$6,876
63	HK$7,264
64	HK$7,652
65	HK$8,038
66	HK$8,415
67	HK$8,784
68	HK$9,172
69	HK$9,560
70	HK$9,991
71	HK$10,422
72	HK$10,852
73	HK$11,230
74	HK$11,635
75	HK$12,056
76	HK$12,486
77	HK$12,944
78	HK$13,413
79	HK$13,881
80	HK$14,363
81	HK$14,893
82	HK$15,435
83	HK$15,859
84	HK$16,236
85	HK$16,566
86	HK$16,717
87	HK$16,832
88	HK$17,074
89	HK$17,314
90	HK$17,552
91	HK$17,783
92	HK$18,012
93	HK$18,290
94	HK$18,542
95	HK$18,770
96	HK$18,966
97	HK$19,126
98	HK$19,300
99	HK$19,370

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Apr 1, 2021
Last verified: 2026-04-17