Taiping Voluntary Health Insurance Scheme Standard Plan

太平自願醫療標準保險計劃

China Taiping Insurance (HK) Company Limited

Taiping Voluntary Health Insurance Scheme Standard Plan is a VHIS Standard plan offered by China Taiping Insurance (HK) 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$2,666 /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 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
Cash Benefits
Daily hospital cash supplement 每日住院現金保障	$500 per day, maximum 30 days per Policy Year
Event Benefits
Accidental Death benefit 意外身故保障	$100,000

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 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

Cash Benefits

Daily hospital cash supplement
每日住院現金保障
$500 per day, maximum 30 days per Policy Year

Event Benefits

Accidental Death benefit
意外身故保障
$100,000

Premium Schedule

Annual premium · 4 gender / smoking columns · HKD

Age	Male · Non-smoker	Male · Smoker	Female · Non-smoker	Female · Smoker
0	HK$4,311	HK$4,311	HK$4,009	HK$4,009
1	HK$4,256	HK$4,256	HK$3,872	HK$3,872
2	HK$4,080	HK$4,080	HK$3,507	HK$3,507
3	HK$3,545	HK$3,545	HK$3,075	HK$3,075
4	HK$3,317	HK$3,317	HK$2,790	HK$2,790
5	HK$3,001	HK$3,001	HK$2,508	HK$2,508
6	HK$2,680	HK$2,680	HK$2,216	HK$2,216
7	HK$2,376	HK$2,376	HK$2,082	HK$2,082
8	HK$2,303	HK$2,303	HK$1,992	HK$1,992
9	HK$2,137	HK$2,137	HK$1,898	HK$1,898
10	HK$1,968	HK$1,968	HK$1,808	HK$1,808
11	HK$1,925	HK$1,925	HK$1,828	HK$1,828
12	HK$1,854	HK$1,854	HK$1,837	HK$1,837
13	HK$1,824	HK$1,824	HK$1,902	HK$1,902
14	HK$1,800	HK$1,800	HK$1,984	HK$1,984
15	HK$1,815	HK$1,815	HK$2,091	HK$2,091
16	HK$1,870	HK$1,870	HK$2,184	HK$2,184
17	HK$1,949	HK$1,949	HK$2,252	HK$2,252
18	HK$1,981	HK$2,091	HK$2,290	HK$2,403
19	HK$2,012	HK$2,232	HK$2,333	HK$2,567
20	HK$2,042	HK$2,368	HK$2,371	HK$2,739
21	HK$2,149	HK$2,491	HK$2,520	HK$2,920
22	HK$2,210	HK$2,519	HK$2,611	HK$2,960
23	HK$2,297	HK$2,668	HK$2,706	HK$3,135
24	HK$2,418	HK$2,808	HK$2,837	HK$3,292
25	HK$2,454	HK$2,855	HK$3,039	HK$3,527
26	HK$2,504	HK$2,912	HK$3,254	HK$3,780
27	HK$2,543	HK$2,959	HK$3,392	HK$3,943
28	HK$2,585	HK$3,008	HK$3,530	HK$4,104
29	HK$2,624	HK$3,054	HK$3,661	HK$4,264
30	HK$2,666	HK$3,102	HK$3,896	HK$4,540
31	HK$2,754	HK$3,206	HK$3,960	HK$4,618
32	HK$2,850	HK$3,317	HK$4,040	HK$4,713
33	HK$2,950	HK$3,440	HK$4,151	HK$4,848
34	HK$3,051	HK$3,560	HK$4,285	HK$5,008
35	HK$3,160	HK$3,690	HK$4,443	HK$5,200
36	HK$3,269	HK$3,818	HK$4,629	HK$5,423
37	HK$3,382	HK$3,955	HK$4,852	HK$5,687
38	HK$3,500	HK$4,088	HK$5,088	HK$5,973
39	HK$3,614	HK$4,226	HK$5,240	HK$6,152
40	HK$3,725	HK$4,362	HK$5,406	HK$6,352
41	HK$4,047	HK$4,737	HK$5,562	HK$6,536
42	HK$4,165	HK$4,879	HK$5,722	HK$6,733
43	HK$4,341	HK$5,093	HK$5,886	HK$6,932
44	HK$4,480	HK$5,262	HK$6,020	HK$7,087
45	HK$4,630	HK$5,444	HK$6,264	HK$7,376
46	HK$4,789	HK$5,639	HK$6,501	HK$7,656
47	HK$5,069	HK$5,976	HK$6,608	HK$7,784
48	HK$5,264	HK$6,213	HK$6,817	HK$8,035
49	HK$5,465	HK$6,454	HK$7,015	HK$8,272
50	HK$5,788	HK$6,846	HK$7,074	HK$8,341
51	HK$6,242	HK$7,392	HK$7,188	HK$8,475
52	HK$6,554	HK$6,554	HK$6,554	HK$6,554
53	HK$6,890	HK$6,890	HK$6,890	HK$6,890
54	HK$7,244	HK$7,244	HK$7,244	HK$7,244
55	HK$7,618	HK$7,618	HK$7,618	HK$7,618
56	HK$8,008	HK$8,008	HK$8,008	HK$8,008
57	HK$8,573	HK$8,573	HK$8,573	HK$8,573
58	HK$9,192	HK$9,192	HK$9,192	HK$9,192
59	HK$9,830	HK$9,830	HK$9,830	HK$9,830
60	HK$10,489	HK$10,489	HK$10,489	HK$10,489
61	HK$11,088	HK$11,088	HK$11,088	HK$11,088
62	HK$11,633	HK$11,633	HK$11,633	HK$11,633
63	HK$11,948	HK$11,948	HK$11,948	HK$11,948
64	HK$12,208	HK$12,208	HK$12,208	HK$12,208
65	HK$12,735	HK$12,735	HK$12,735	HK$12,735
66	HK$13,280	HK$13,280	HK$13,280	HK$13,280
67	HK$13,847	HK$13,847	HK$13,847	HK$13,847
68	HK$14,445	HK$14,445	HK$14,445	HK$14,445
69	HK$15,068	HK$15,068	HK$15,068	HK$15,068
70	HK$15,710	HK$15,710	HK$15,710	HK$15,710
71	HK$16,320	HK$16,320	HK$16,320	HK$16,320
72	HK$16,952	HK$16,952	HK$16,952	HK$16,952
73	HK$17,606	HK$17,606	HK$17,606	HK$17,606
74	HK$18,283	HK$18,283	HK$18,283	HK$18,283
75	HK$18,826	HK$18,826	HK$18,826	HK$18,826
76	HK$19,382	HK$19,382	HK$19,382	HK$19,382
77	HK$19,952	HK$19,952	HK$19,952	HK$19,952
78	HK$20,535	HK$20,535	HK$20,535	HK$20,535
79	HK$21,130	HK$21,130	HK$21,130	HK$21,130
80	HK$21,741	HK$21,741	HK$21,741	HK$21,741
81	HK$22,520	HK$22,520	HK$22,520	HK$22,520
82	HK$23,328	HK$23,328	HK$23,328	HK$23,328
83	HK$24,102	HK$24,102	HK$24,102	HK$24,102
84	HK$24,907	HK$24,907	HK$24,907	HK$24,907
85	HK$25,368	HK$25,368	HK$25,368	HK$25,368
86	HK$25,839	HK$25,839	HK$25,839	HK$25,839
87	HK$26,321	HK$26,321	HK$26,321	HK$26,321
88	HK$26,823	HK$26,823	HK$26,823	HK$26,823
89	HK$27,333	HK$27,333	HK$27,333	HK$27,333
90	HK$27,857	HK$27,857	HK$27,857	HK$27,857
91	HK$28,394	HK$28,394	HK$28,394	HK$28,394
92	HK$28,944	HK$28,944	HK$28,944	HK$28,944
93	HK$29,515	HK$29,515	HK$29,515	HK$29,515
94	HK$30,103	HK$30,103	HK$30,103	HK$30,103
95	HK$30,704	HK$30,704	HK$30,704	HK$30,704
96	HK$31,322	HK$31,322	HK$31,322	HK$31,322
97	HK$31,954	HK$31,954	HK$31,954	HK$31,954
98	HK$32,602	HK$32,602	HK$32,602	HK$32,602
99	HK$33,272	HK$33,272	HK$33,272	HK$33,272

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: 2026-04-25