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VHIS FlexiF00052-01-000-01

Taiping Life VHIS Flexi Plan - Plan 1 - Ward with SMM

太平人壽自願醫保靈活計劃 - 計劃1 - 普通房連超額醫療保障

China Taiping Life Insurance (Hong Kong) Company Limited

Taiping Life VHIS Flexi Plan - Plan 1 - Ward with SMM is a VHIS Flexi plan offered by China Taiping Life Insurance (Hong Kong) Company Limited, with ward class Ward, Worldwide (including United States) coverage and HK$500,000 annual benefit limit. Latest plan-document version: Jul 7, 2021.

01 · Plan at a glance

Quote a premium by age, gender and smoking status

Your premium

HK$3,311 /yr

age

Ward class

Ward

Coverage region

Worldwide (including United States)

Deductible

—

Annual benefit limit

HK$500,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

HK$100,000／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	$800 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	$800 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 40 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 5,500
Surgeon's fee — Intermediate 外科醫生費 — 中型	$13,800
Surgeon's fee — Major 外科醫生費 — 大型	$27,500
Surgeon's fee — Complex 外科醫生費 — 複雜	$55,000
(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
Extra Benefits
Isolation ward charges benefit 隔離病房	$950 per day, maximum 180 days per Policy Year
Complications of pregnancy 妊娠期併發症	For covered pregnancy complications, payable up to the relevant benefit limits under: I. Basic Benefits (a) – (i) and (k); and II. Additional Benefits (a), (b), (e) and (f)
Emergency outpatient treatment for Accident 急症門診治療（只限意外）	$3,000 per Policy Year within 24 hours of the Accident
Chinese Medicine Practitioner outpatient care 出院後/日間手術後的中醫治療	$400 per visit, maximum 3 visits per Policy Year (1 visit per day), within 90 days after discharge from Hospital or completion of Day Case Procedure
Home nursing 手術後家中看護護理	$500 per visit, maximum 15 visits per Policy Year (1 visit per day), within 90 days after discharge from Hospital following surgery or completion of Day Case Procedure
Rehabilitation benefit 康復治療	$1,000 per day, $10,000 per Policy Year, within 90 days after discharge from Hospital
Outpatient kidney dialysis 腎臟透析	$25,000 per Policy Year
Critical urban disease supplementary benefit 嚴重都市疾病額外保障	Coinsurance under Supplemental Major Medical Benefits is reduced to 0% (i.e. 100% reimbursement rate) (applicable to specified chronic diseases)
Cash Benefits
Hospital companion bed cash benefit 住院陪床	$400 per day, maximum 90 days per Policy Year
Day surgery cash benefit 日間手術現金津貼	$400 per Day Case Procedure, 1 per Policy Year
Hospital transport cash allowance 住院交通現金津貼	$100, per Confinement, 1 time(s) per Policy Year
Second-claim cash allowanceAfter other pays 特別現金津貼	6% of the indemnity amount paid by another insurer, up to $5,000 per Policy Year
Lower ward class cash benefit 入住較低病房級別住院現金津貼	Not applicable
Event Benefits
Compassionate death benefit 恩恤身故賠償	$10,000
Medical accident and incident extension benefit 醫療意外事故惠益	$100,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$800 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
$800 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 40 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 5,500
Surgeon's fee — Intermediate
外科醫生費 — 中型
$13,800
Surgeon's fee — Major
外科醫生費 — 大型
$27,500
Surgeon's fee — Complex
外科醫生費 — 複雜
$55,000
(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

Extra Benefits

Isolation ward charges benefit
隔離病房
$950 per day, maximum 180 days per Policy Year
Complications of pregnancy
妊娠期併發症
For covered pregnancy complications, payable up to the relevant benefit limits under: I. Basic Benefits (a) – (i) and (k); and II. Additional Benefits (a), (b), (e) and (f)
Emergency outpatient treatment for Accident
急症門診治療（只限意外）
$3,000 per Policy Year within 24 hours of the Accident
Chinese Medicine Practitioner outpatient care
出院後/日間手術後的中醫治療
$400 per visit, maximum 3 visits per Policy Year (1 visit per day), within 90 days after discharge from Hospital or completion of Day Case Procedure
Home nursing
手術後家中看護護理
$500 per visit, maximum 15 visits per Policy Year (1 visit per day), within 90 days after discharge from Hospital following surgery or completion of Day Case Procedure
Rehabilitation benefit
康復治療
$1,000 per day, $10,000 per Policy Year, within 90 days after discharge from Hospital
Outpatient kidney dialysis
腎臟透析
$25,000 per Policy Year
Critical urban disease supplementary benefit
嚴重都市疾病額外保障
Coinsurance under Supplemental Major Medical Benefits is reduced to 0% (i.e. 100% reimbursement rate) (applicable to specified chronic diseases)

Cash Benefits

Hospital companion bed cash benefit
住院陪床
$400 per day, maximum 90 days per Policy Year
Day surgery cash benefit
日間手術現金津貼
$400 per Day Case Procedure, 1 per Policy Year
Hospital transport cash allowance
住院交通現金津貼
$100, per Confinement, 1 time(s) per Policy Year
Second-claim cash allowanceAfter other pays
特別現金津貼
6% of the indemnity amount paid by another insurer, up to $5,000 per Policy Year
Lower ward class cash benefit
入住較低病房級別住院現金津貼
Not applicable

Event Benefits

Compassionate death benefit
恩恤身故賠償
$10,000
Medical accident and incident extension benefit
醫療意外事故惠益
$100,000

No-Claim Bonus

Renewal premium discount earned by staying claim-free

Discount netted off renewal premium

Discount schedule

Consecutive claim-free years	Discount
3 yrs	10%

Verbatim clause

無索償折扣批註 (a) 於符合以下(i)及(ii)所列明之條件後的每個續保日，保單持有人將獲得無索償折扣，用作扣減緊接有關期間後之保單年度的應繳保費 — (i) 本條款及保障在相關續保日前連續三(3)個保單年度內（「有關期間」）一直有效及生效；及 (ii) 於該相同的有關期間內，本條款及保障並未有就該期間作任何賠償。(b) 此無索償折扣之金額相等於無索償折扣百分比，乘以緊接相關續保日前的保單年度内於條款及保障下應繳總保費（包括標準保費及附加保費（如適用））。無索償折扣百分比將根據此保單的保障表及保單資料頁內列明所選之相關計劃等級而定，詳見下表。計劃 1 – 普通房連超額醫療保障 10%；計劃 2 – 半私家房 15%；計劃 3 – 半私家房連超額醫療保障 15%；計劃 4 – 標準私家房 15%；計劃 5 – 標準私家房連超額醫療保障 15%。

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00052/F00052-01-000-01-PlanDoc-c.pdf

Premium Schedule

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

Age	Male	Female
0	HK$7,034	HK$6,425
1	HK$6,077	HK$5,461
2	HK$5,173	HK$4,493
3	HK$4,405	HK$3,700
4	HK$3,758	HK$3,059
5	HK$3,284	HK$2,635
6	HK$2,982	HK$2,239
7	HK$2,771	HK$1,945
8	HK$2,620	HK$1,795
9	HK$2,411	HK$1,721
10	HK$2,263	HK$1,668
11	HK$2,165	HK$1,654
12	HK$2,110	HK$1,674
13	HK$2,079	HK$1,754
14	HK$2,081	HK$1,858
15	HK$2,106	HK$1,983
16	HK$2,155	HK$2,130
17	HK$2,169	HK$2,201
18	HK$2,200	HK$2,351
19	HK$2,231	HK$2,504
20	HK$2,268	HK$2,742
21	HK$2,279	HK$2,870
22	HK$2,379	HK$3,017
23	HK$2,484	HK$3,163
24	HK$2,586	HK$3,304
25	HK$2,760	HK$3,505
26	HK$2,855	HK$3,635
27	HK$2,947	HK$3,761
28	HK$3,037	HK$3,891
29	HK$3,123	HK$4,017
30	HK$3,311	HK$4,362
31	HK$3,392	HK$4,480
32	HK$3,470	HK$4,597
33	HK$3,550	HK$4,731
34	HK$3,630	HK$4,868
35	HK$3,816	HK$5,156
36	HK$3,901	HK$5,303
37	HK$3,991	HK$5,454
38	HK$4,092	HK$5,623
39	HK$4,202	HK$5,798
40	HK$4,360	HK$5,978
41	HK$4,491	HK$6,169
42	HK$4,636	HK$6,369
43	HK$4,804	HK$6,585
44	HK$4,988	HK$6,811
45	HK$5,342	HK$7,171
46	HK$5,566	HK$7,413
47	HK$5,811	HK$7,666
48	HK$6,107	HK$7,912
49	HK$6,427	HK$8,169
50	HK$6,914	HK$8,586
51	HK$7,390	HK$8,993
52	HK$7,792	HK$9,287
53	HK$8,237	HK$9,597
54	HK$8,708	HK$9,919
55	HK$9,333	HK$10,159
56	HK$9,859	HK$10,500
57	HK$10,410	HK$10,852
58	HK$11,024	HK$11,216
59	HK$11,661	HK$11,593
60	HK$12,506	HK$12,065
61	HK$13,182	HK$12,470
62	HK$13,874	HK$12,890
63	HK$14,615	HK$13,338
64	HK$15,366	HK$13,806
65	HK$16,805	HK$14,814
66	HK$17,569	HK$15,332
67	HK$18,328	HK$15,880
68	HK$19,060	HK$16,459
69	HK$19,839	HK$17,034
70	HK$21,340	HK$18,323
71	HK$22,111	HK$19,002
72	HK$22,893	HK$19,695
73	HK$23,724	HK$20,454
74	HK$24,569	HK$21,230
75	HK$25,962	HK$22,561
76	HK$26,848	HK$23,390
77	HK$27,729	HK$24,219
78	HK$28,545	HK$25,043
79	HK$29,350	HK$25,862
80	HK$30,186	HK$26,527
81	HK$31,453	HK$27,759
82	HK$32,220	HK$28,558
83	HK$32,853	HK$29,247
84	HK$33,462	HK$29,917
85	HK$33,785	HK$30,265
86	HK$34,336	HK$30,891
87	HK$34,855	HK$31,490
88	HK$35,340	HK$32,059
89	HK$35,788	HK$32,597
90	HK$36,135	HK$32,816
91	HK$36,510	HK$33,291
92	HK$36,841	HK$33,727
93	HK$37,128	HK$34,121
94	HK$37,368	HK$34,472
95	HK$37,585	HK$34,777
96	HK$37,730	HK$35,037
97	HK$37,826	HK$35,248
98	HK$37,873	HK$35,411
99	HK$38,491	HK$36,106

How to apply for this plan

This plan is offered by China Taiping Life Insurance (Hong Kong) Company Limited. To apply, contact China Taiping Life Insurance (Hong Kong) 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.

Other deductible options in this series

5 deductibles — same benefit schedule, premium scales with deductible

1 - Ward with SMM

Current page

2 - Semi-Private Room

View details →

3 - Semi-Private Room with SMM

View details →

4 - Standard Private Room

View details →

5 - Standard Private Room with SMM

View details →

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: Jul 7, 2021
Plan data updated: 2026-04-25

Taiping Life VHIS Flexi Plan - Plan 1 - Ward with SMM

01 · Plan at a glance

Benefits

No-Claim Bonus

Discount schedule

Premium Schedule

How to apply for this plan

Other deductible options in this series

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