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VHIS FlexiF00052-03-001-01

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

Taiping Life VHIS Flexi Plan - Plan 5 - Standard Private Room with SMM 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$13,406 /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

HK$500,000／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	$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	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
$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
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

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$30,725	HK$28,201
1	HK$26,363	HK$23,737
2	HK$22,344	HK$19,456
3	HK$18,929	HK$15,947
4	HK$16,060	HK$13,119
5	HK$13,769	HK$11,050
6	HK$12,477	HK$9,324
7	HK$11,595	HK$8,053
8	HK$10,961	HK$7,510
9	HK$10,088	HK$7,202
10	HK$9,471	HK$6,979
11	HK$9,060	HK$6,919
12	HK$8,829	HK$7,005
13	HK$8,700	HK$7,339
14	HK$8,709	HK$7,776
15	HK$8,812	HK$8,298
16	HK$8,863	HK$8,762
17	HK$8,922	HK$9,071
18	HK$9,048	HK$9,735
19	HK$9,175	HK$10,413
20	HK$9,326	HK$11,283
21	HK$9,444	HK$11,954
22	HK$9,836	HK$12,611
23	HK$10,301	HK$13,257
24	HK$10,756	HK$13,881
25	HK$11,386	HK$14,656
26	HK$11,611	HK$14,977
27	HK$12,010	HK$15,522
28	HK$12,400	HK$16,074
29	HK$12,771	HK$16,609
30	HK$13,406	HK$17,701
31	HK$13,751	HK$18,212
32	HK$14,087	HK$18,718
33	HK$14,428	HK$19,272
34	HK$14,769	HK$19,829
35	HK$15,392	HK$20,811
36	HK$15,754	HK$21,405
37	HK$16,135	HK$22,016
38	HK$16,562	HK$22,688
39	HK$17,023	HK$23,387
40	HK$17,651	HK$24,121
41	HK$18,204	HK$24,887
42	HK$18,813	HK$25,689
43	HK$19,513	HK$26,554
44	HK$20,284	HK$27,462
45	HK$21,564	HK$28,729
46	HK$22,505	HK$29,712
47	HK$23,536	HK$30,742
48	HK$24,753	HK$31,765
49	HK$26,071	HK$32,837
50	HK$27,909	HK$34,373
51	HK$29,439	HK$35,529
52	HK$31,091	HK$36,747
53	HK$32,904	HK$38,030
54	HK$34,830	HK$39,361
55	HK$37,239	HK$40,469
56	HK$39,398	HK$41,887
57	HK$41,666	HK$43,356
58	HK$44,157	HK$44,878
59	HK$46,747	HK$46,453
60	HK$49,950	HK$48,316
61	HK$55,510	HK$52,665
62	HK$58,493	HK$54,519
63	HK$61,649	HK$56,481
64	HK$64,852	HK$58,530
65	HK$70,075	HK$62,150
66	HK$73,331	HK$64,413
67	HK$76,572	HK$66,802
68	HK$79,713	HK$69,331
69	HK$83,046	HK$71,856
70	HK$88,432	HK$76,596
71	HK$91,734	HK$79,599
72	HK$95,083	HK$82,663
73	HK$98,604	HK$85,955
74	HK$102,186	HK$89,325
75	HK$107,367	HK$94,371
76	HK$111,130	HK$97,970
77	HK$114,867	HK$101,567
78	HK$118,388	HK$105,145
79	HK$121,859	HK$108,699
80	HK$125,403	HK$111,823
81	HK$128,738	HK$115,292
82	HK$131,986	HK$118,703
83	HK$134,784	HK$121,752
84	HK$137,471	HK$124,720
85	HK$139,323	HK$126,782
86	HK$141,758	HK$129,552
87	HK$144,051	HK$132,204
88	HK$146,191	HK$134,727
89	HK$148,169	HK$137,110
90	HK$149,543	HK$138,330
91	HK$151,184	HK$140,419
92	HK$152,636	HK$142,336
93	HK$153,891	HK$144,072
94	HK$154,944	HK$145,618
95	HK$155,853	HK$146,967
96	HK$156,486	HK$148,112
97	HK$156,904	HK$149,047
98	HK$157,104	HK$149,768
99	HK$158,501	HK$151,625

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

View details →

5 - Standard Private Room with SMM

Current page

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 5 - Standard 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