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

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Your premium

HK$8,255 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

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

Premium Schedule

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

Age	Premium
0	HK$18,892
1	HK$16,210
2	HK$13,739
3	HK$11,639
4	HK$9,875
5	HK$8,466
6	HK$7,672
7	HK$7,129
8	HK$6,740
9	HK$6,203
10	HK$5,824
11	HK$5,571
12	HK$5,429
13	HK$5,350
14	HK$5,355
15	HK$5,418
16	HK$5,545
17	HK$5,581
18	HK$5,660
19	HK$5,739
20	HK$5,834
21	HK$5,859
22	HK$6,052
23	HK$6,339
24	HK$6,619
25	HK$6,893
26	HK$7,150
27	HK$7,395
28	HK$7,635
29	HK$7,864
30	HK$8,255
31	HK$8,467
32	HK$8,674
33	HK$8,884
34	HK$9,094
35	HK$9,478
36	HK$9,700
37	HK$9,935
38	HK$10,198
39	HK$10,482
40	HK$10,869
41	HK$11,209
42	HK$11,584
43	HK$12,015
44	HK$12,490
45	HK$13,278
46	HK$13,857
47	HK$14,492
48	HK$15,242
49	HK$16,053
50	HK$17,185
51	HK$19,049
52	HK$20,118
53	HK$21,290
54	HK$22,537
55	HK$24,096
56	HK$25,493
57	HK$26,960
58	HK$28,572
59	HK$30,248
60	HK$32,320
61	HK$34,107
62	HK$35,940
63	HK$37,879
64	HK$39,847
65	HK$43,056
66	HK$45,057
67	HK$47,048
68	HK$48,978
69	HK$51,026
70	HK$54,335
71	HK$56,364
72	HK$58,422
73	HK$60,585
74	HK$62,786
75	HK$65,969
76	HK$68,282
77	HK$70,578
78	HK$72,741
79	HK$74,874
80	HK$77,052
81	HK$79,100
82	HK$81,096
83	HK$82,815
84	HK$84,467
85	HK$85,604
86	HK$87,100
87	HK$88,509
88	HK$89,824
89	HK$91,040
90	HK$91,849
91	HK$92,857
92	HK$93,749
93	HK$94,520
94	HK$95,166
95	HK$95,724
96	HK$96,113
97	HK$96,370
98	HK$96,493
99	HK$97,314

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

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4 - Standard Private Room

Current page

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.