Taiping Life VHIS Priority Plan - HKD20,000 Deductible

太平人壽自願醫保優遇計劃 - 20,000 港元自付費

China Taiping Life Insurance (Hong Kong) Company Limited

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Your premium

HK$5,789 /yr

age

Ward class

Standard Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$20,000

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 or Emergency consultation 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 or Emergency consultation 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$3,820
1	HK$3,820
2	HK$3,820
3	HK$3,820
4	HK$3,820
5	HK$3,820
6	HK$3,820
7	HK$3,820
8	HK$3,820
9	HK$3,820
10	HK$3,820
11	HK$3,820
12	HK$3,820
13	HK$3,820
14	HK$3,820
15	HK$3,820
16	HK$3,820
17	HK$3,820
18	HK$3,820
19	HK$3,859
20	HK$3,938
21	HK$3,978
22	HK$4,095
23	HK$4,292
24	HK$4,410
25	HK$4,686
26	HK$4,962
27	HK$5,277
28	HK$5,513
29	HK$5,671
30	HK$5,789
31	HK$5,907
32	HK$5,985
33	HK$6,143
34	HK$6,380
35	HK$6,498
36	HK$6,537
37	HK$6,655
38	HK$6,812
39	HK$6,852
40	HK$6,931
41	HK$7,049
42	HK$7,207
43	HK$7,522
44	HK$7,954
45	HK$8,388
46	HK$8,860
47	HK$9,136
48	HK$9,490
49	HK$9,884
50	HK$10,081
51	HK$10,474
52	HK$10,908
53	HK$11,301
54	HK$11,813
55	HK$12,325
56	HK$13,034
57	HK$13,861
58	HK$14,530
59	HK$15,475
60	HK$16,499
61	HK$17,838
62	HK$19,413
63	HK$21,460
64	HK$23,980
65	HK$26,461
66	HK$28,666
67	HK$29,217
68	HK$29,848
69	HK$30,832
70	HK$31,659
71	HK$34,337
72	HK$35,518
73	HK$36,659
74	HK$37,447
75	HK$38,156
76	HK$40,558
77	HK$43,393
78	HK$44,574
79	HK$45,992
80	HK$46,701
81	HK$48,984
82	HK$49,929
83	HK$50,795
84	HK$51,662
85	HK$52,568
86	HK$53,512
87	HK$54,378
88	HK$55,205
89	HK$56,072
90	HK$57,017
91	HK$57,922
92	HK$58,749
93	HK$59,655
94	HK$60,600
95	HK$61,466
96	HK$62,411
97	HK$63,199
98	HK$64,105
99	HK$65,011

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

HK$0

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US$0

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US$3K

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HK$20K

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US$6K

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HK$50K

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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.