Taiping Life VHIS Priority Plan - HKD50,000 Deductible

太平人壽自願醫保優遇計劃 - 50,000 港元自付費

China Taiping Life Insurance (Hong Kong) Company Limited

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Your premium

HK$4,862 /yr

age

Ward class

Standard Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$50,000

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$3,209
1	HK$3,209
2	HK$3,209
3	HK$3,209
4	HK$3,209
5	HK$3,209
6	HK$3,209
7	HK$3,209
8	HK$3,209
9	HK$3,209
10	HK$3,209
11	HK$3,209
12	HK$3,209
13	HK$3,209
14	HK$3,209
15	HK$3,209
16	HK$3,209
17	HK$3,209
18	HK$3,209
19	HK$3,242
20	HK$3,308
21	HK$3,341
22	HK$3,440
23	HK$3,605
24	HK$3,705
25	HK$3,937
26	HK$4,168
27	HK$4,432
28	HK$4,631
29	HK$4,764
30	HK$4,862
31	HK$4,962
32	HK$5,028
33	HK$5,160
34	HK$5,359
35	HK$5,458
36	HK$5,491
37	HK$5,590
38	HK$5,722
39	HK$5,756
40	HK$5,822
41	HK$5,921
42	HK$6,054
43	HK$6,318
44	HK$6,682
45	HK$7,046
46	HK$7,443
47	HK$7,674
48	HK$7,972
49	HK$8,303
50	HK$8,468
51	HK$8,799
52	HK$9,163
53	HK$9,493
54	HK$9,923
55	HK$10,353
56	HK$10,948
57	HK$11,643
58	HK$12,205
59	HK$12,999
60	HK$13,859
61	HK$14,984
62	HK$16,307
63	HK$18,027
64	HK$20,144
65	HK$22,228
66	HK$24,080
67	HK$24,543
68	HK$25,072
69	HK$25,899
70	HK$26,594
71	HK$28,843
72	HK$29,835
73	HK$30,794
74	HK$31,456
75	HK$32,051
76	HK$34,069
77	HK$36,450
78	HK$37,442
79	HK$38,633
80	HK$39,229
81	HK$41,147
82	HK$41,941
83	HK$42,668
84	HK$43,396
85	HK$44,157
86	HK$44,950
87	HK$45,678
88	HK$46,373
89	HK$47,101
90	HK$47,894
91	HK$48,655
92	HK$49,349
93	HK$50,111
94	HK$50,904
95	HK$51,632
96	HK$52,426
97	HK$53,087
98	HK$53,848
99	HK$54,609

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6 deductibles — same benefit schedule, premium scales with deductible

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HK$50K

Current page

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.