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

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Your premium

HK$6,779 /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

HK$320,000

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	$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	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
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
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

Premium Schedule

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

Age	Premium
0	HK$15,101
1	HK$13,015
2	HK$11,062
3	HK$9,401
4	HK$8,004
5	HK$6,938
6	HK$6,358
7	HK$5,908
8	HK$5,585
9	HK$5,140
10	HK$4,826
11	HK$4,617
12	HK$4,499
13	HK$4,433
14	HK$4,438
15	HK$4,490
16	HK$4,595
17	HK$4,625
18	HK$4,691
19	HK$4,756
20	HK$4,835
21	HK$4,855
22	HK$4,957
23	HK$5,183
24	HK$5,403
25	HK$5,651
26	HK$5,854
27	HK$6,048
28	HK$6,238
29	HK$6,420
30	HK$6,779
31	HK$6,948
32	HK$7,112
33	HK$7,279
34	HK$7,447
35	HK$7,800
36	HK$7,978
37	HK$8,165
38	HK$8,375
39	HK$8,601
40	HK$8,927
41	HK$9,198
42	HK$9,496
43	HK$9,840
44	HK$10,219
45	HK$10,911
46	HK$11,372
47	HK$11,878
48	HK$12,478
49	HK$13,127
50	HK$14,085
51	HK$15,586
52	HK$16,439
53	HK$17,376
54	HK$18,371
55	HK$19,663
56	HK$20,777
57	HK$21,946
58	HK$23,236
59	HK$24,576
60	HK$26,315
61	HK$27,742
62	HK$29,205
63	HK$30,757
64	HK$32,331
65	HK$35,181
66	HK$36,781
67	HK$38,374
68	HK$39,916
69	HK$41,554
70	HK$44,521
71	HK$46,144
72	HK$47,791
73	HK$49,528
74	HK$51,295
75	HK$54,092
76	HK$55,947
77	HK$57,789
78	HK$59,518
79	HK$61,222
80	HK$62,994
81	HK$64,632
82	HK$66,228
83	HK$67,587
84	HK$68,892
85	HK$69,658
86	HK$70,841
87	HK$71,954
88	HK$72,994
89	HK$73,955
90	HK$74,278
91	HK$75,075
92	HK$75,780
93	HK$76,390
94	HK$76,901
95	HK$77,355
96	HK$77,663
97	HK$77,867
98	HK$77,965
99	HK$78,629

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

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3 - Semi-Private Room with SMM

Current page

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.