Taiping Life VHIS Standard Plan

太平人壽自願醫保標準計劃

China Taiping Life Insurance (Hong Kong) Company Limited

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Your premium

HK$2,274 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

Per-illness annual limit

—

Lifetime benefit limit

—

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	$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(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	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 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	$580, per visit, $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp 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	$30,000 per Policy Year
Event Benefits
Compassionate death benefit 恩恤身故賠償	$10,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(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
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 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
$580, per visit, $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp 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
$30,000 per Policy Year

Event Benefits

Compassionate death benefit
恩恤身故賠償
$10,000

Premium Schedule

Annual premium · Single rate (gender / smoking agnostic) · HKD

Age	Premium
0	HK$4,597
1	HK$3,925
2	HK$3,433
3	HK$2,976
4	HK$2,838
5	HK$2,568
6	HK$2,354
7	HK$2,187
8	HK$2,068
9	HK$1,903
10	HK$1,787
11	HK$1,709
12	HK$1,665
13	HK$1,641
14	HK$1,643
15	HK$1,662
16	HK$1,701
17	HK$1,712
18	HK$1,737
19	HK$1,761
20	HK$1,790
21	HK$1,812
22	HK$1,838
23	HK$1,880
24	HK$1,922
25	HK$2,013
26	HK$2,098
27	HK$2,186
28	HK$2,218
29	HK$2,247
30	HK$2,274
31	HK$2,526
32	HK$2,575
33	HK$2,657
34	HK$2,745
35	HK$2,829
36	HK$2,921
37	HK$3,016
38	HK$3,098
39	HK$3,189
40	HK$3,286
41	HK$3,396
42	HK$3,513
43	HK$3,662
44	HK$3,825
45	HK$4,003
46	HK$4,203
47	HK$4,425
48	HK$4,644
49	HK$4,888
50	HK$5,153
51	HK$5,439
52	HK$5,749
53	HK$6,119
54	HK$6,515
55	HK$6,930
56	HK$7,377
57	HK$7,856
58	HK$8,187
59	HK$8,541
60	HK$8,906
61	HK$9,282
62	HK$9,670
63	HK$10,212
64	HK$10,758
65	HK$11,301
66	HK$11,831
67	HK$12,348
68	HK$12,896
69	HK$13,442
70	HK$13,973
71	HK$14,496
72	HK$15,013
73	HK$15,451
74	HK$15,921
75	HK$16,407
76	HK$16,899
77	HK$17,420
78	HK$17,950
79	HK$18,474
80	HK$19,007
81	HK$19,706
82	HK$20,383
83	HK$20,897
84	HK$21,351
85	HK$21,738
86	HK$21,890
87	HK$21,993
88	HK$22,263
89	HK$22,528
90	HK$22,790
91	HK$23,042
92	HK$23,287
93	HK$23,598
94	HK$23,872
95	HK$24,113
96	HK$24,313
97	HK$24,465
98	HK$24,635
99	HK$24,670

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Jul 7, 2021
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.