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VHIS FlexiF00052-02-000-01

Taiping Life VHIS Flexi Plan - Plan 2 - Semi-Private Room

太平人壽自願醫保靈活計劃 - 計劃2 - 半私家房

China Taiping Life Insurance (Hong Kong) Company Limited

Taiping Life VHIS Flexi Plan - Plan 2 - Semi-Private Room is a VHIS Flexi plan offered by China Taiping Life Insurance (Hong Kong) Company Limited, with ward class Semi-Private Room, Worldwide (including United States) coverage and HK$1,000,000 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$4,923 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide (including United States)

Deductible

—

Annual benefit limit

HK$1,000,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

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	$2,700 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$24,400 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$2,500 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$9,500 per Policy Year
(e) Intensive care (e) 深切治療	$6,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 8,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$20,000
Surgeon's fee — Major 外科醫生費 — 大型	$40,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$80,000
(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	$35,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$120,000 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	$1,280, per visit, $7,000 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	$55,000 per Policy Year
Extra Benefits
Isolation ward charges benefit 隔離病房	$2,000 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）	$11,000 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	$600 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	$1,000 per visit, maximum 60 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	$2,000 per day, $20,000 per Policy Year, within 90 days after discharge from Hospital
Outpatient kidney dialysis 腎臟透析	$120,000 per Policy Year
Critical urban disease supplementary benefit 嚴重都市疾病額外保障	Not applicable
Cash Benefits
Hospital companion bed cash benefit 住院陪床	$800 per day, maximum 180 days per Policy Year
Day surgery cash benefit 日間手術現金津貼	$800 per Day Case Procedure, 1 per Policy Year
Hospital transport cash allowance 住院交通現金津貼	$200, 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 $10,000 per Policy Year
Lower ward class cash benefit 入住較低病房級別住院現金津貼	$750 per day, maximum 15 days per Policy Year (applicable when Confined in a ward class below the entitled ward class)
Event Benefits
Compassionate death benefit 恩恤身故賠償	$20,000
Medical accident and incident extension benefit 醫療意外事故惠益	$200,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$2,700 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$24,400 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$2,500 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$9,500 per Policy Year
(e) Intensive care
(e) 深切治療
$6,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 8,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$20,000
Surgeon's fee — Major
外科醫生費 — 大型
$40,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$80,000
(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
$35,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$120,000 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
$1,280, per visit, $7,000 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
$55,000 per Policy Year

Extra Benefits

Isolation ward charges benefit
隔離病房
$2,000 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）
$11,000 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
$600 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
$1,000 per visit, maximum 60 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
$2,000 per day, $20,000 per Policy Year, within 90 days after discharge from Hospital
Outpatient kidney dialysis
腎臟透析
$120,000 per Policy Year
Critical urban disease supplementary benefit
嚴重都市疾病額外保障
Not applicable

Cash Benefits

Hospital companion bed cash benefit
住院陪床
$800 per day, maximum 180 days per Policy Year
Day surgery cash benefit
日間手術現金津貼
$800 per Day Case Procedure, 1 per Policy Year
Hospital transport cash allowance
住院交通現金津貼
$200, 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 $10,000 per Policy Year
Lower ward class cash benefit
入住較低病房級別住院現金津貼
$750 per day, maximum 15 days per Policy Year (applicable when Confined in a ward class below the entitled ward class)

Event Benefits

Compassionate death benefit
恩恤身故賠償
$20,000
Medical accident and incident extension benefit
醫療意外事故惠益
$200,000

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	15%

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$10,967	HK$10,033
1	HK$9,452	HK$8,502
2	HK$8,033	HK$6,984
3	HK$6,827	HK$5,741
4	HK$5,813	HK$4,738
5	HK$5,038	HK$4,034
6	HK$4,617	HK$3,418
7	HK$4,291	HK$2,964
8	HK$4,056	HK$2,779
9	HK$3,733	HK$2,665
10	HK$3,505	HK$2,583
11	HK$3,353	HK$2,560
12	HK$3,267	HK$2,592
13	HK$3,220	HK$2,716
14	HK$3,223	HK$2,877
15	HK$3,261	HK$3,071
16	HK$3,337	HK$3,299
17	HK$3,359	HK$3,394
18	HK$3,406	HK$3,612
19	HK$3,454	HK$3,853
20	HK$3,511	HK$4,199
21	HK$3,526	HK$4,402
22	HK$3,600	HK$4,596
23	HK$3,764	HK$4,823
24	HK$3,924	HK$5,042
25	HK$4,104	HK$5,252
26	HK$4,251	HK$5,452
27	HK$4,392	HK$5,644
28	HK$4,530	HK$5,840
29	HK$4,662	HK$6,029
30	HK$4,923	HK$6,494
31	HK$5,046	HK$6,676
32	HK$5,165	HK$6,856
33	HK$5,286	HK$7,054
34	HK$5,408	HK$7,254
35	HK$5,665	HK$7,649
36	HK$5,793	HK$7,862
37	HK$5,929	HK$8,083
38	HK$6,082	HK$8,325
39	HK$6,246	HK$8,578
40	HK$6,483	HK$8,838
41	HK$6,680	HK$9,117
42	HK$6,896	HK$9,457
43	HK$7,146	HK$9,755
44	HK$7,421	HK$10,065
45	HK$7,924	HK$10,558
46	HK$8,259	HK$10,911
47	HK$8,626	HK$11,281
48	HK$9,062	HK$11,646
49	HK$9,533	HK$12,029
50	HK$10,229	HK$12,628
51	HK$11,319	HK$13,697
52	HK$11,938	HK$14,153
53	HK$12,619	HK$14,632
54	HK$13,342	HK$15,130
55	HK$14,279	HK$15,538
56	HK$15,088	HK$16,067
57	HK$15,938	HK$16,614
58	HK$16,874	HK$17,181
59	HK$17,847	HK$17,768
60	HK$19,110	HK$18,494
61	HK$20,146	HK$19,126
62	HK$21,209	HK$19,782
63	HK$22,336	HK$20,477
64	HK$23,479	HK$21,204
65	HK$25,549	HK$22,681
66	HK$26,711	HK$23,485
67	HK$27,868	HK$24,335
68	HK$28,987	HK$25,235
69	HK$30,177	HK$26,130
70	HK$32,332	HK$28,027
71	HK$33,510	HK$29,089
72	HK$34,707	HK$30,174
73	HK$35,968	HK$31,345
74	HK$37,251	HK$32,544
75	HK$39,282	HK$34,496
76	HK$40,630	HK$35,776
77	HK$41,968	HK$37,057
78	HK$43,223	HK$38,329
79	HK$44,460	HK$39,594
80	HK$45,747	HK$40,665
81	HK$46,937	HK$41,899
82	HK$48,096	HK$43,113
83	HK$49,083	HK$44,188
84	HK$50,031	HK$45,234
85	HK$50,587	HK$45,842
86	HK$51,446	HK$46,819
87	HK$52,254	HK$47,754
88	HK$53,009	HK$48,643
89	HK$53,707	HK$49,483
90	HK$53,942	HK$49,597
91	HK$54,520	HK$50,333
92	HK$55,033	HK$51,008
93	HK$55,475	HK$51,619
94	HK$55,847	HK$52,163
95	HK$56,177	HK$52,638
96	HK$56,400	HK$53,041
97	HK$56,548	HK$53,369
98	HK$56,620	HK$53,623
99	HK$57,102	HK$54,262

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

View details →

2 - Semi-Private Room

Current page

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 2 - Semi-Private Room

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