Taiping Life VHIS Flexi Plan - Plan 5 - Standard Private Room with SMM

太平人壽自願醫保靈活計劃 - 計劃5 - 標準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$13,406 /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

HK$500,000

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	$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	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	$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
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
$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$30,725
1	HK$26,363
2	HK$22,344
3	HK$18,929
4	HK$16,060
5	HK$13,769
6	HK$12,477
7	HK$11,595
8	HK$10,961
9	HK$10,088
10	HK$9,471
11	HK$9,060
12	HK$8,829
13	HK$8,700
14	HK$8,709
15	HK$8,812
16	HK$8,863
17	HK$8,922
18	HK$9,048
19	HK$9,175
20	HK$9,326
21	HK$9,444
22	HK$9,836
23	HK$10,301
24	HK$10,756
25	HK$11,386
26	HK$11,611
27	HK$12,010
28	HK$12,400
29	HK$12,771
30	HK$13,406
31	HK$13,751
32	HK$14,087
33	HK$14,428
34	HK$14,769
35	HK$15,392
36	HK$15,754
37	HK$16,135
38	HK$16,562
39	HK$17,023
40	HK$17,651
41	HK$18,204
42	HK$18,813
43	HK$19,513
44	HK$20,284
45	HK$21,564
46	HK$22,505
47	HK$23,536
48	HK$24,753
49	HK$26,071
50	HK$27,909
51	HK$29,439
52	HK$31,091
53	HK$32,904
54	HK$34,830
55	HK$37,239
56	HK$39,398
57	HK$41,666
58	HK$44,157
59	HK$46,746
60	HK$49,950
61	HK$55,510
62	HK$58,493
63	HK$61,649
64	HK$64,852
65	HK$70,075
66	HK$73,331
67	HK$76,572
68	HK$79,713
69	HK$83,046
70	HK$88,432
71	HK$91,734
72	HK$95,083
73	HK$98,604
74	HK$102,186
75	HK$107,367
76	HK$111,130
77	HK$114,867
78	HK$118,388
79	HK$121,859
80	HK$125,403
81	HK$128,738
82	HK$131,986
83	HK$134,784
84	HK$137,471
85	HK$139,323
86	HK$141,758
87	HK$144,051
88	HK$146,191
89	HK$148,169
90	HK$149,543
91	HK$151,184
92	HK$152,636
93	HK$153,891
94	HK$154,944
95	HK$155,853
96	HK$156,486
97	HK$156,904
98	HK$157,104
99	HK$158,501

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

View details →

5 - Standard Private Room with SMM

Current page

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.