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VHIS FlexiF00052-03-000-01

Taiping Life VHIS Flexi Plan - Plan 4 - Standard Private Room

太平人壽自願醫保靈活計劃 - 計劃4 - 標準私家房

China Taiping Life Insurance (Hong Kong) Company Limited

Taiping Life VHIS Flexi Plan - Plan 4 - Standard Private Room is a VHIS Flexi plan offered by China Taiping Life Insurance (Hong Kong) Company Limited, with ward class Standard Private Room, Worldwide (including United States) coverage and HK$1,360,000 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$8,255 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (including United States)

Deductible

—

Annual benefit limit

HK$1,360,000

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	$5,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$32,500 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$4,600 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$18,800 per Policy Year
(e) Intensive care (e) 深切治療	$9,400 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 11,200
Surgeon's fee — Intermediate 外科醫生費 — 中型	$27,900
Surgeon's fee — Major 外科醫生費 — 大型	$55,800
Surgeon's fee — Complex 外科醫生費 — 複雜	$111,600
(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	$47,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$180,000 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	$1,370, per visit, $7,400 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	$57,000 per Policy Year
Extra Benefits
Isolation ward charges benefit 隔離病房	$3,500 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）	$16,000 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	$800 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	$2,000 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	$4,000 per day, $40,000 per Policy Year, within 90 days after discharge from Hospital
Outpatient kidney dialysis 腎臟透析	$180,000 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	$950 per day, maximum 180 days per Policy Year
Day surgery cash benefit 日間手術現金津貼	$1,600 per Day Case Procedure, 1 per Policy Year
Hospital transport cash allowance 住院交通現金津貼	$300, 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 $15,000 per Policy Year
Lower ward class cash benefit 入住較低病房級別住院現金津貼	$1,000 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	$40,000
Medical accident and incident extension benefit 醫療意外事故惠益	$400,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$5,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$32,500 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$4,600 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$18,800 per Policy Year
(e) Intensive care
(e) 深切治療
$9,400 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 11,200
Surgeon's fee — Intermediate
外科醫生費 — 中型
$27,900
Surgeon's fee — Major
外科醫生費 — 大型
$55,800
Surgeon's fee — Complex
外科醫生費 — 複雜
$111,600
(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
$47,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$180,000 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
$1,370, per visit, $7,400 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
$57,000 per Policy Year

Extra Benefits

Isolation ward charges benefit
隔離病房
$3,500 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）
$16,000 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
$800 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
$2,000 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
$4,000 per day, $40,000 per Policy Year, within 90 days after discharge from Hospital
Outpatient kidney dialysis
腎臟透析
$180,000 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
$950 per day, maximum 180 days per Policy Year
Day surgery cash benefit
日間手術現金津貼
$1,600 per Day Case Procedure, 1 per Policy Year
Hospital transport cash allowance
住院交通現金津貼
$300, 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 $15,000 per Policy Year
Lower ward class cash benefit
入住較低病房級別住院現金津貼
$1,000 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
$40,000
Medical accident and incident extension benefit
醫療意外事故惠益
$400,000

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$18,892	HK$17,341
1	HK$16,210	HK$14,595
2	HK$13,739	HK$11,963
3	HK$11,639	HK$9,806
4	HK$9,875	HK$8,067
5	HK$8,466	HK$6,794
6	HK$7,672	HK$5,733
7	HK$7,129	HK$4,952
8	HK$6,740	HK$4,618
9	HK$6,203	HK$4,428
10	HK$5,824	HK$4,291
11	HK$5,571	HK$4,255
12	HK$5,429	HK$4,307
13	HK$5,350	HK$4,513
14	HK$5,355	HK$4,781
15	HK$5,418	HK$5,102
16	HK$5,545	HK$5,481
17	HK$5,581	HK$5,675
18	HK$5,660	HK$6,090
19	HK$5,739	HK$6,514
20	HK$5,834	HK$7,059
21	HK$5,859	HK$7,417
22	HK$6,052	HK$7,760
23	HK$6,339	HK$8,157
24	HK$6,619	HK$8,541
25	HK$6,893	HK$8,873
26	HK$7,150	HK$9,222
27	HK$7,395	HK$9,558
28	HK$7,635	HK$9,897
29	HK$7,864	HK$10,227
30	HK$8,255	HK$10,899
31	HK$8,467	HK$11,214
32	HK$8,674	HK$11,526
33	HK$8,884	HK$11,866
34	HK$9,094	HK$12,210
35	HK$9,478	HK$12,814
36	HK$9,700	HK$13,180
37	HK$9,935	HK$13,557
38	HK$10,198	HK$13,970
39	HK$10,482	HK$14,400
40	HK$10,869	HK$14,853
41	HK$11,209	HK$15,324
42	HK$11,584	HK$15,818
43	HK$12,015	HK$16,351
44	HK$12,490	HK$16,910
45	HK$13,278	HK$17,690
46	HK$13,857	HK$18,295
47	HK$14,492	HK$18,929
48	HK$15,242	HK$19,559
49	HK$16,053	HK$20,219
50	HK$17,185	HK$21,165
51	HK$19,049	HK$22,989
52	HK$20,118	HK$23,777
53	HK$21,290	HK$24,607
54	HK$22,537	HK$25,469
55	HK$24,096	HK$26,186
56	HK$25,493	HK$27,104
57	HK$26,960	HK$28,054
58	HK$28,572	HK$29,038
59	HK$30,248	HK$30,058
60	HK$32,320	HK$31,263
61	HK$34,107	HK$32,359
62	HK$35,940	HK$33,498
63	HK$37,879	HK$34,704
64	HK$39,847	HK$35,963
65	HK$43,056	HK$38,187
66	HK$45,057	HK$39,577
67	HK$47,048	HK$41,045
68	HK$48,978	HK$42,599
69	HK$51,026	HK$44,150
70	HK$54,335	HK$47,063
71	HK$56,364	HK$48,908
72	HK$58,422	HK$50,790
73	HK$60,585	HK$52,813
74	HK$62,786	HK$54,884
75	HK$65,969	HK$57,984
76	HK$68,282	HK$60,196
77	HK$70,578	HK$62,406
78	HK$72,741	HK$64,604
79	HK$74,874	HK$66,788
80	HK$77,052	HK$68,708
81	HK$79,100	HK$70,839
82	HK$81,096	HK$72,935
83	HK$82,815	HK$74,808
84	HK$84,467	HK$76,632
85	HK$85,604	HK$77,899
86	HK$87,100	HK$79,601
87	HK$88,509	HK$81,230
88	HK$89,824	HK$82,781
89	HK$91,040	HK$84,245
90	HK$91,849	HK$84,962
91	HK$92,857	HK$86,245
92	HK$93,749	HK$87,422
93	HK$94,520	HK$88,489
94	HK$95,166	HK$89,438
95	HK$95,724	HK$90,267
96	HK$96,113	HK$90,970
97	HK$96,370	HK$91,545
98	HK$96,493	HK$91,987
99	HK$97,314	HK$93,092

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

View details →

4 - Standard Private Room

Current page

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 4 - Standard 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