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VHIS FlexiF00052-02-001-01

Taiping Life VHIS Flexi Plan - Plan 3 - Semi-Private Room with SMM

太平人壽自願醫保靈活計劃 - 計劃3 - 半私家房連超額醫療保障

China Taiping Life Insurance (Hong Kong) Company Limited

Taiping Life VHIS Flexi Plan - Plan 3 - Semi-Private Room with SMM 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$6,779 /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

HK$320,000／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	$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	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	$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
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
$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$15,101	HK$13,816
1	HK$13,015	HK$11,707
2	HK$11,062	HK$9,617
3	HK$9,401	HK$7,905
4	HK$8,004	HK$6,524
5	HK$6,938	HK$5,554
6	HK$6,358	HK$4,707
7	HK$5,908	HK$4,082
8	HK$5,585	HK$3,827
9	HK$5,140	HK$3,670
10	HK$4,826	HK$3,556
11	HK$4,617	HK$3,526
12	HK$4,499	HK$3,569
13	HK$4,433	HK$3,740
14	HK$4,438	HK$3,962
15	HK$4,490	HK$4,228
16	HK$4,595	HK$4,542
17	HK$4,625	HK$4,673
18	HK$4,691	HK$4,973
19	HK$4,756	HK$5,306
20	HK$4,835	HK$5,782
21	HK$4,855	HK$6,061
22	HK$4,957	HK$6,328
23	HK$5,183	HK$6,641
24	HK$5,403	HK$6,943
25	HK$5,651	HK$7,233
26	HK$5,854	HK$7,507
27	HK$6,048	HK$7,772
28	HK$6,238	HK$8,041
29	HK$6,420	HK$8,302
30	HK$6,779	HK$8,942
31	HK$6,948	HK$9,192
32	HK$7,112	HK$9,440
33	HK$7,279	HK$9,714
34	HK$7,447	HK$9,989
35	HK$7,800	HK$10,533
36	HK$7,978	HK$10,827
37	HK$8,165	HK$11,130
38	HK$8,375	HK$11,464
39	HK$8,601	HK$11,812
40	HK$8,927	HK$12,170
41	HK$9,198	HK$12,554
42	HK$9,496	HK$13,023
43	HK$9,840	HK$13,432
44	HK$10,219	HK$13,859
45	HK$10,911	HK$14,538
46	HK$11,372	HK$15,025
47	HK$11,878	HK$15,534
48	HK$12,478	HK$16,037
49	HK$13,127	HK$16,563
50	HK$14,085	HK$17,388
51	HK$15,586	HK$18,861
52	HK$16,439	HK$19,488
53	HK$17,376	HK$20,149
54	HK$18,371	HK$20,834
55	HK$19,663	HK$21,396
56	HK$20,777	HK$22,124
57	HK$21,946	HK$22,878
58	HK$23,236	HK$23,659
59	HK$24,576	HK$24,467
60	HK$26,315	HK$25,467
61	HK$27,742	HK$26,336
62	HK$29,205	HK$27,239
63	HK$30,757	HK$28,197
64	HK$32,331	HK$29,198
65	HK$35,181	HK$31,232
66	HK$36,781	HK$32,339
67	HK$38,374	HK$33,510
68	HK$39,916	HK$34,749
69	HK$41,554	HK$35,981
70	HK$44,521	HK$38,593
71	HK$46,144	HK$40,056
72	HK$47,791	HK$41,550
73	HK$49,528	HK$43,162
74	HK$51,295	HK$44,813
75	HK$54,092	HK$47,501
76	HK$55,947	HK$49,264
77	HK$57,789	HK$51,027
78	HK$59,518	HK$52,779
79	HK$61,222	HK$54,520
80	HK$62,994	HK$55,995
81	HK$64,632	HK$57,695
82	HK$66,228	HK$59,366
83	HK$67,587	HK$60,847
84	HK$68,892	HK$62,287
85	HK$69,658	HK$63,125
86	HK$70,841	HK$64,470
87	HK$71,954	HK$65,757
88	HK$72,994	HK$66,982
89	HK$73,955	HK$68,138
90	HK$74,278	HK$68,295
91	HK$75,075	HK$69,309
92	HK$75,780	HK$70,238
93	HK$76,390	HK$71,080
94	HK$76,901	HK$71,829
95	HK$77,355	HK$72,483
96	HK$77,663	HK$73,037
97	HK$77,867	HK$73,490
98	HK$77,965	HK$73,838
99	HK$78,629	HK$74,719

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

View details →

3 - Semi-Private Room with SMM

Current page

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 3 - Semi-Private Room 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