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

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Your premium

HK$3,311 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$500,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

HK$100,000

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	Reimbursement begins; subject to the daily limits stated for this Supplemental Major Medical Benefit in the Benefit Schedule.
(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 YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp 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
Daily post-surgery home nursing benefit 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
Cancer / cardiac / stroke 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
Reimbursement begins; subject to the daily limits stated for this Supplemental Major Medical Benefit in the Benefit Schedule.
(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 YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp 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
Daily post-surgery home nursing benefit
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
Cancer / cardiac / stroke 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

Premium Schedule

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

Age	Premium
0	HK$7,034
1	HK$6,077
2	HK$5,173
3	HK$4,405
4	HK$3,758
5	HK$3,284
6	HK$2,982
7	HK$2,771
8	HK$2,620
9	HK$2,411
10	HK$2,263
11	HK$2,165
12	HK$2,110
13	HK$2,079
14	HK$2,081
15	HK$2,106
16	HK$2,155
17	HK$2,169
18	HK$2,200
19	HK$2,231
20	HK$2,268
21	HK$2,279
22	HK$2,379
23	HK$2,484
24	HK$2,586
25	HK$2,760
26	HK$2,855
27	HK$2,947
28	HK$3,037
29	HK$3,123
30	HK$3,311
31	HK$3,392
32	HK$3,470
33	HK$3,550
34	HK$3,630
35	HK$3,816
36	HK$3,901
37	HK$3,991
38	HK$4,092
39	HK$4,202
40	HK$4,360
41	HK$4,491
42	HK$4,636
43	HK$4,804
44	HK$4,988
45	HK$5,342
46	HK$5,566
47	HK$5,811
48	HK$6,107
49	HK$6,427
50	HK$6,914
51	HK$7,390
52	HK$7,792
53	HK$8,237
54	HK$8,708
55	HK$9,333
56	HK$9,859
57	HK$10,410
58	HK$11,024
59	HK$11,661
60	HK$12,506
61	HK$13,182
62	HK$13,874
63	HK$14,615
64	HK$15,366
65	HK$16,805
66	HK$17,569
67	HK$18,328
68	HK$19,060
69	HK$19,839
70	HK$21,340
71	HK$22,111
72	HK$22,893
73	HK$23,724
74	HK$24,569
75	HK$25,962
76	HK$26,848
77	HK$27,729
78	HK$28,545
79	HK$29,350
80	HK$30,186
81	HK$31,453
82	HK$32,220
83	HK$32,853
84	HK$33,462
85	HK$33,785
86	HK$34,336
87	HK$34,855
88	HK$35,340
89	HK$35,788
90	HK$36,135
91	HK$36,510
92	HK$36,841
93	HK$37,128
94	HK$37,368
95	HK$37,585
96	HK$37,730
97	HK$37,826
98	HK$37,873
99	HK$38,491

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 →

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Jul 7, 2021
Last verified: 2026-04-25

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.