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Taiping Life VHIS Priority Plan - HKD0 Deductible
太平人壽自願醫保優遇計劃 - 0 港元自付費
China Taiping Life Insurance (Hong Kong) Company Limited
Taiping Life VHIS Priority Plan - HKD0 Deductible is a VHIS Flexi plan offered by China Taiping Life Insurance (Hong Kong) Company Limited, with ward class Semi-Private Room, Asia incl. AU/NZ coverage, HK$20,000,000 annual benefit limit and no deductible (HK$0). Latest plan-document version: Jan 1, 2023.
Your premium
HK$11,577 /yr
age
HK$Plan at a glance
- Ward class
- Hospitalisation in Hong Kong, Macau or Mainland China：Semi-Private Room
- Hospitalisation elsewhere in Asia (excluding Hong Kong, Macau and Mainland China)：Standard Private Room
- Hospitalisation outside Asia (accident only)：Standard Private Room
- Coverage region
- Asia incl. AU/NZ
- Deductible
- $0
- Annual benefit limit
- HK$20,000,000
- Per-illness annual limit
- —
- Lifetime benefit limit
- • 無
- 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 | Full reimbursement of Eligible ExpensesR&C |
(b) Miscellaneous charges (b) 雜項開支 | Full reimbursement of Eligible ExpensesR&C |
(c) Attending doctor's visit fee (c) 主診醫生巡房費 | Full reimbursement of Eligible ExpensesR&C |
(d) Specialist's fee (d) 專科醫生費 | Full reimbursement of Eligible ExpensesR&C |
(e) Intensive care (e) 深切治療 | Full reimbursement of Eligible ExpensesR&C |
(f) Surgeon's fee (f) 外科醫生費 | Full reimbursement of Eligible Expenses regardless of surgical categoryR&C |
(g) Anaesthetist's fee (g) 麻醉科醫生費 | Full reimbursement of Eligible ExpensesR&C |
(h) Operating theatre charges (h) 手術室費 | Full reimbursement of Eligible ExpensesR&C |
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測 | Full reimbursement of Eligible ExpensesR&C |
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療 | $2,500,000 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 | Full reimbursement of Eligible Expenses• 1 outpatient visit(s) or Emergency consultation(s) more than 30 days before Confinement/Day Case Procedure• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C |
(l) Psychiatric treatments (l) 精神科治療 | Full reimbursement of Eligible ExpensesR&C |
| Extra Benefits | |
Hospital companion bed fee reimbursement 住院陪床 | Full reimbursement of Eligible ExpensesR&C |
Complications of pregnancy 妊娠期併發症 | Full reimbursement of Eligible ExpensesR&C |
Private nursing fee (during Confinement) 私家看護 | Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year (up to 2 visits per day)R&C |
Reconstructive surgery for specified conditions 重建手術 | $200,000 per Policy Year |
Medical implants / prosthetic devices 醫療裝置 | • Specified items: Full reimbursement of Eligible Expenses• Other items: $200,000 per Policy YearR&C |
Emergency outpatient treatment for Accident 急症門診治療（只限意外） | Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C |
Chinese Medicine Practitioner outpatient care 出院後/日間手術後的中醫治療 | $600 per visit, maximum 20 visits per Policy Year (up to 1 per day)• Within 90 days after discharge from Hospital or completion of Day Case Procedure |
Post-Confinement / Day Case Procedure auxiliary therapy 出院後/日間手術後的輔助治療 | $1,000 per visit, maximum 30 visits per Policy Year (up to 1 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 | Full reimbursement of Eligible Expenses, maximum 200 days per Policy Year• Within the post-discharge window after surgery or Day Case ProcedureR&C |
Outpatient kidney dialysis 腎臟透析 | Full reimbursement of Eligible ExpensesR&C |
Cardiac rehabilitation benefit 心臟康復惠益 | $1,000 per visit, maximum 10 visits per Policy Year• Within 90 days after discharge from Hospital or completion of Day Case Procedure |
Post-stroke home equipment upgrade 中風康復惠益 (i) 家居設備提升惠益 | $50,000 per Accident |
Post-stroke rehabilitation visits 中風康復惠益 (ii) 中風輔助惠益 | $1,000 per visit, max 30 visits per Accident |
Rehabilitation benefit 康復治療 （只限香港） | $100,000 per Policy Year, maximum 60 days per Policy Year (within the post-discharge window) |
Hospice and palliative care benefit 善終服務 | $100,000 per Policy Year |
| Cash Benefits | |
Lower ward class cash benefit 入住較低病房級別住院現金津貼 | $2,000 per day |
Day surgery cash benefit 日間手術現金津貼 | $2,000 per surgery, maximum 1 surgery per Policy Year |
| Event Benefits | |
Stroke disability allowance benefit 中風康復惠益 (iii) 傷殘津貼惠益 | $5,000 per month, max 24 months per Accident |
Compassionate death benefit 恩恤身故賠償 | $80,000 |
Accidental Death benefit 意外身故保障 | $80,000 |
Basic Benefits
- (a) Room and board(a) 病房及膳食Full reimbursement of Eligible ExpensesR&C
- (b) Miscellaneous charges(b) 雜項開支Full reimbursement of Eligible ExpensesR&C
- (c) Attending doctor's visit fee(c) 主診醫生巡房費Full reimbursement of Eligible ExpensesR&C
- (d) Specialist's fee(d) 專科醫生費Full reimbursement of Eligible ExpensesR&C
- (e) Intensive care(e) 深切治療Full reimbursement of Eligible ExpensesR&C
- (f) Surgeon's fee(f) 外科醫生費Full reimbursement of Eligible Expenses regardless of surgical categoryR&C
- (g) Anaesthetist's fee(g) 麻醉科醫生費Full reimbursement of Eligible ExpensesR&C
- (h) Operating theatre charges(h) 手術室費Full reimbursement of Eligible ExpensesR&C
- (i) Prescribed Diagnostic Imaging Tests(i) 訂明診斷成像檢測Full reimbursement of Eligible ExpensesR&C
- (j) Prescribed Non-surgical Cancer Treatments(j) 訂明非手術癌症治療$2,500,000 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Full reimbursement of Eligible Expenses• 1 outpatient visit(s) or Emergency consultation(s) more than 30 days before Confinement/Day Case Procedure• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C
- (l) Psychiatric treatments(l) 精神科治療Full reimbursement of Eligible ExpensesR&C
Extra Benefits
- Hospital companion bed fee reimbursement住院陪床Full reimbursement of Eligible ExpensesR&C
- Complications of pregnancy妊娠期併發症Full reimbursement of Eligible ExpensesR&C
- Private nursing fee (during Confinement)私家看護Full reimbursement of Eligible Expenses, maximum 30 days per Policy Year (up to 2 visits per day)R&C
- Reconstructive surgery for specified conditions重建手術$200,000 per Policy Year
- Medical implants / prosthetic devices醫療裝置• Specified items: Full reimbursement of Eligible Expenses• Other items: $200,000 per Policy YearR&C
- Emergency outpatient treatment for Accident急症門診治療（只限意外）Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C
- Chinese Medicine Practitioner outpatient care出院後/日間手術後的中醫治療$600 per visit, maximum 20 visits per Policy Year (up to 1 per day)• Within 90 days after discharge from Hospital or completion of Day Case Procedure
- Post-Confinement / Day Case Procedure auxiliary therapy出院後/日間手術後的輔助治療$1,000 per visit, maximum 30 visits per Policy Year (up to 1 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Full reimbursement of Eligible Expenses, maximum 200 days per Policy Year• Within the post-discharge window after surgery or Day Case ProcedureR&C
- Outpatient kidney dialysis腎臟透析Full reimbursement of Eligible ExpensesR&C
- Cardiac rehabilitation benefit心臟康復惠益$1,000 per visit, maximum 10 visits per Policy Year• Within 90 days after discharge from Hospital or completion of Day Case Procedure
- Post-stroke home equipment upgrade中風康復惠益 (i) 家居設備提升惠益$50,000 per Accident
- Post-stroke rehabilitation visits中風康復惠益 (ii) 中風輔助惠益$1,000 per visit, max 30 visits per Accident
- Rehabilitation benefit康復治療 （只限香港）$100,000 per Policy Year, maximum 60 days per Policy Year (within the post-discharge window)
- Hospice and palliative care benefit善終服務$100,000 per Policy Year
Cash Benefits
- Lower ward class cash benefit入住較低病房級別住院現金津貼$2,000 per day
- Day surgery cash benefit日間手術現金津貼$2,000 per surgery, maximum 1 surgery per Policy Year
Event Benefits
- Stroke disability allowance benefit中風康復惠益 (iii) 傷殘津貼惠益$5,000 per month, max 24 months per Accident
- Compassionate death benefit恩恤身故賠償$80,000
- Accidental Death benefit意外身故保障$80,000
Premium Schedule
Annual premium · Single rate (gender / smoking agnostic) · HKD
| Age | Premium |
|---|---|
| 0 | HK$7,640 |
| 5 | HK$7,640 |
| 10 | HK$7,640 |
| 15 | HK$7,640 |
| 20 | HK$7,875 |
| 25 | HK$9,372 |
| 30 | HK$11,577 |
| 35 | HK$12,995 |
| 40 | HK$13,861 |
| 45 | HK$16,775 |
| 50 | HK$20,161 |
| 55 | HK$24,650 |
| 60 | HK$32,998 |
| 65 | HK$52,922 |
| 70 | HK$63,318 |
| 75 | HK$76,311 |
| 80 | HK$93,401 |
| 85 | HK$105,135 |
| 90 | HK$114,033 |
| 95 | HK$122,932 |
| 99 | HK$130,021 |
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)
This site's licensed insurance agent can only arrange FWD plans.
Other deductible options in this series
6 deductibles — same benefit schedule, premium scales with deductible
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
- Jan 1, 2023
- Plan data updated
- 2026-04-17