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

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Your premium

HK$4,923 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

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	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	$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 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	$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
Daily post-surgery home nursing benefit 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
Cancer / cardiac / stroke 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
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
$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 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
$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
Daily post-surgery home nursing benefit
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
Cancer / cardiac / stroke 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

Premium Schedule

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

Age	Premium
0	HK$10,967
1	HK$9,452
2	HK$8,033
3	HK$6,827
4	HK$5,813
5	HK$5,038
6	HK$4,617
7	HK$4,291
8	HK$4,056
9	HK$3,733
10	HK$3,505
11	HK$3,353
12	HK$3,267
13	HK$3,220
14	HK$3,223
15	HK$3,261
16	HK$3,337
17	HK$3,359
18	HK$3,406
19	HK$3,454
20	HK$3,511
21	HK$3,526
22	HK$3,600
23	HK$3,764
24	HK$3,924
25	HK$4,104
26	HK$4,251
27	HK$4,392
28	HK$4,530
29	HK$4,662
30	HK$4,923
31	HK$5,046
32	HK$5,165
33	HK$5,286
34	HK$5,408
35	HK$5,665
36	HK$5,793
37	HK$5,929
38	HK$6,082
39	HK$6,246
40	HK$6,483
41	HK$6,680
42	HK$6,896
43	HK$7,146
44	HK$7,421
45	HK$7,924
46	HK$8,259
47	HK$8,626
48	HK$9,062
49	HK$9,533
50	HK$10,229
51	HK$11,319
52	HK$11,938
53	HK$12,619
54	HK$13,342
55	HK$14,279
56	HK$15,088
57	HK$15,938
58	HK$16,874
59	HK$17,847
60	HK$19,110
61	HK$20,146
62	HK$21,209
63	HK$22,336
64	HK$23,479
65	HK$25,549
66	HK$26,711
67	HK$27,868
68	HK$28,987
69	HK$30,177
70	HK$32,332
71	HK$33,510
72	HK$34,707
73	HK$35,968
74	HK$37,251
75	HK$39,282
76	HK$40,630
77	HK$41,968
78	HK$43,223
79	HK$44,460
80	HK$45,747
81	HK$46,937
82	HK$48,096
83	HK$49,083
84	HK$50,031
85	HK$50,587
86	HK$51,446
87	HK$52,254
88	HK$53,009
89	HK$53,707
90	HK$53,942
91	HK$54,520
92	HK$55,033
93	HK$55,475
94	HK$55,847
95	HK$56,177
96	HK$56,400
97	HK$56,548
98	HK$56,620
99	HK$57,102

Other deductible options in this series

5 deductibles — same benefit schedule, premium scales with deductible

1 - Ward with SMM

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2 - Semi-Private Room

Current page

3 - Semi-Private Room with SMM

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4 - Standard Private Room

View details →

5 - Standard Private Room with SMM

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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.