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 no ward-class restriction, Worldwide (including United States) coverage and HK$420,000 annual benefit limit. Latest plan-document version: Apr 1, 2021.

01 · Plan at a glance

Quote a premium by age, gender and smoking status

Your premium

HK$1,949 /yr

age

Ward class

No ward-class restriction

Coverage region

Worldwide (including United States)

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

Age	Male	Female
0	HK$2,650	HK$1,950
1	HK$2,650	HK$1,950
2	HK$2,650	HK$1,950
3	HK$2,650	HK$1,950
4	HK$2,650	HK$1,950
5	HK$2,650	HK$1,950
6	HK$1,450	HK$1,450
7	HK$1,450	HK$1,450
8	HK$1,450	HK$1,450
9	HK$1,450	HK$1,450
10	HK$1,450	HK$1,450
11	HK$1,450	HK$1,450
12	HK$1,450	HK$1,450
13	HK$1,450	HK$1,450
14	HK$1,450	HK$1,450
15	HK$1,450	HK$1,450
16	HK$1,450	HK$1,450
17	HK$1,450	HK$1,450
18	HK$1,404	HK$1,431
19	HK$1,431	HK$1,516
20	HK$1,460	HK$1,600
21	HK$1,486	HK$1,682
22	HK$1,515	HK$1,763
23	HK$1,555	HK$1,832
24	HK$1,597	HK$1,902
25	HK$1,682	HK$2,039
26	HK$1,762	HK$2,172
27	HK$1,843	HK$2,304
28	HK$1,881	HK$2,359
29	HK$1,915	HK$2,413
30	HK$1,949	HK$2,462
31	HK$1,980	HK$2,514
32	HK$2,010	HK$2,560
33	HK$2,066	HK$2,660
34	HK$2,124	HK$2,764
35	HK$2,181	HK$2,868
36	HK$2,242	HK$2,980
37	HK$2,306	HK$3,097
38	HK$2,360	HK$3,197
39	HK$2,420	HK$3,304
40	HK$2,483	HK$3,417
41	HK$2,556	HK$3,535
42	HK$2,633	HK$3,660
43	HK$2,733	HK$3,768
44	HK$2,844	HK$3,880
45	HK$2,963	HK$4,000
46	HK$3,099	HK$4,122
47	HK$3,249	HK$4,244
48	HK$3,397	HK$4,350
49	HK$3,560	HK$4,460
50	HK$3,739	HK$4,571
51	HK$3,931	HK$4,689
52	HK$4,138	HK$4,810
53	HK$4,386	HK$4,965
54	HK$4,651	HK$5,126
55	HK$4,929	HK$5,294
56	HK$5,248	HK$5,463
57	HK$5,654	HK$5,642
58	HK$5,824	HK$5,790
59	HK$6,074	HK$5,946
60	HK$6,334	HK$6,104
61	HK$6,602	HK$6,293
62	HK$6,876	HK$6,488
63	HK$7,264	HK$6,722
64	HK$7,652	HK$6,966
65	HK$8,038	HK$7,218
66	HK$8,415	HK$7,481
67	HK$8,784	HK$7,754
68	HK$9,172	HK$8,169
69	HK$9,560	HK$8,595
70	HK$9,991	HK$9,034
71	HK$10,422	HK$9,574
72	HK$10,852	HK$10,144
73	HK$11,230	HK$10,451
74	HK$11,635	HK$10,797
75	HK$12,056	HK$11,165
76	HK$12,486	HK$11,629
77	HK$12,944	HK$12,103
78	HK$13,413	HK$12,745
79	HK$13,881	HK$13,387
80	HK$14,363	HK$14,023
81	HK$14,893	HK$14,485
82	HK$15,435	HK$14,915
83	HK$15,859	HK$15,394
84	HK$16,236	HK$15,844
85	HK$16,566	HK$16,264
86	HK$16,717	HK$16,546
87	HK$16,832	HK$16,799
88	HK$17,074	HK$17,046
89	HK$17,314	HK$17,288
90	HK$17,552	HK$17,525
91	HK$17,783	HK$17,759
92	HK$18,012	HK$17,990
93	HK$18,290	HK$18,194
94	HK$18,542	HK$18,374
95	HK$18,770	HK$18,523
96	HK$18,966	HK$18,643
97	HK$19,126	HK$18,735
98	HK$19,300	HK$18,827
99	HK$19,370	HK$18,858

How to apply for this plan

This plan is offered by China Life Insurance (Overseas) Company Limited. To apply, contact China Life Insurance (Overseas) Company Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
Benefit schedule PDF Premium table PDF

This site's licensed insurance agent can only arrange FWD plans.

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
Plan data updated: 2026-04-17

Guard Your Health Medical Insurance Plan

01 · Plan at a glance

Benefits

Premium Schedule

How to apply for this plan

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款