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

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Your premium

HK$11,577 /yr

age

Ward class

Standard Private Room

Coverage region

Asia incl. AU/NZ

Deductible

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 Expenses1 outpatient visit(s) or Emergency consultation(s) more than 30 days before Confinement/Day Case ProcedureAll outpatient visits or Emergency consultations within 30 days before Confinement/Day Case ProcedureUp 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 ExpensesOther 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
Daily post-surgery home nursing benefit 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
Cancer / cardiac / stroke 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 Expenses1 outpatient visit(s) or Emergency consultation(s) more than 30 days before Confinement/Day Case ProcedureAll outpatient visits or Emergency consultations within 30 days before Confinement/Day Case ProcedureUp 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 ExpensesOther 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
Daily post-surgery home nursing benefit
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
Cancer / cardiac / stroke 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
1	HK$7,640
2	HK$7,640
3	HK$7,640
4	HK$7,640
5	HK$7,640
6	HK$7,640
7	HK$7,640
8	HK$7,640
9	HK$7,640
10	HK$7,640
11	HK$7,640
12	HK$7,640
13	HK$7,640
14	HK$7,640
15	HK$7,640
16	HK$7,640
17	HK$7,640
18	HK$7,640
19	HK$7,718
20	HK$7,875
21	HK$7,955
22	HK$8,190
23	HK$8,584
24	HK$8,820
25	HK$9,372
26	HK$9,923
27	HK$10,553
28	HK$11,026
29	HK$11,341
30	HK$11,577
31	HK$11,813
32	HK$11,970
33	HK$12,285
34	HK$12,759
35	HK$12,995
36	HK$13,074
37	HK$13,309
38	HK$13,624
39	HK$13,704
40	HK$13,861
41	HK$14,097
42	HK$14,413
43	HK$15,043
44	HK$15,908
45	HK$16,775
46	HK$17,720
47	HK$18,271
48	HK$18,979
49	HK$19,768
50	HK$20,161
51	HK$20,948
52	HK$21,815
53	HK$22,602
54	HK$23,626
55	HK$24,650
56	HK$26,067
57	HK$27,721
58	HK$29,060
59	HK$30,950
60	HK$32,998
61	HK$35,676
62	HK$38,825
63	HK$42,920
64	HK$47,960
65	HK$52,922
66	HK$57,332
67	HK$58,434
68	HK$59,695
69	HK$61,664
70	HK$63,318
71	HK$68,673
72	HK$71,035
73	HK$73,318
74	HK$74,894
75	HK$76,311
76	HK$81,116
77	HK$86,785
78	HK$89,147
79	HK$91,983
80	HK$93,401
81	HK$97,967
82	HK$99,858
83	HK$101,590
84	HK$103,323
85	HK$105,135
86	HK$107,024
87	HK$108,756
88	HK$110,410
89	HK$112,144
90	HK$114,033
91	HK$115,844
92	HK$117,498
93	HK$119,310
94	HK$121,199
95	HK$122,932
96	HK$124,822
97	HK$126,398
98	HK$128,209
99	HK$130,021

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

HK$0

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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: Jan 1, 2023
Last verified: 2026-04-17

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.