''BetterCare'' Medical Insurance Plan - Benefit Level 1 with SMM (HKD)

「樂康保」醫療保障計劃 - 保障級別 1+超額醫療保障 (港元)

Chow Tai Fook Life Insurance Co Ltd

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Your premium

HK$5,625 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$500,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

HK$100,000

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	$900 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	$800 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,500 per Policy Year
(e) Intensive care (e) 深切治療	$4,500 per day, maximum 30 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	$100,000 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	$600, per visit, $5,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 5 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	$50,000 per Policy Year
Room and board (i) 病房及膳食	$900 per day, payable starting from the 181st day of Confinement in a Policy Year for excess Eligible Expenses under basic benefit (a) Room and board × reimbursement rate
Miscellaneous charges (ii) 雜項開支	Excess Eligible Expenses under basic benefit (b) Miscellaneous Charges × reimbursement rate
Attending doctor's visit fee (iii) 主診醫生巡房費	$800 per day, payable starting from the 181st day of Confinement in a Policy Year for excess Eligible Expenses under basic benefit (c) Attending doctor's visit fee × reimbursement rate
Specialist's fee (iv) 專科醫生費	Excess Eligible Expenses under basic benefit (d) Specialist's fee × reimbursement rate
Intensive care (v) 深切治療	$4,500 per day, payable starting from the 31st day of Confinement in a Policy Year for excess Eligible Expenses under basic benefit (e) Intensive care × reimbursement rate
Surgeon's fee (vi) 外科醫生費 (按手術表劃分的手術分類)	Excess Eligible Expenses under basic benefit (f) Surgeon's fee × reimbursement rate
Anaesthetist's fee (vii) 麻醉科醫生費	Excess Eligible Expenses under basic benefit (g) Anaesthetist's fee × reimbursement rate
Operating theatre charges (viii) 手術室費	Excess Eligible Expenses under basic benefit (h) Operating theatre charges × reimbursement rate
Extra Benefits
Hospital companion bed fee reimbursement 陪伴附加床位費	$200 per day, maximum 30 days per Policy Year
Daily post-surgery home nursing benefit 每日家居看護費	$400 per visit. Up to 1 per day within the post-discharge window after Confinement or Day Case Procedure. Maximum 30 visits per Policy Year.
Event Benefits
Compassionate death benefit 恩恤身故賠償	$20,000
Additional death benefit for organ donor 器官捐贈者額外身故津貼	$20,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$900 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
$800 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,500 per Policy Year
(e) Intensive care
(e) 深切治療
$4,500 per day, maximum 30 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
$100,000 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
$600, per visit, $5,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 5 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
$50,000 per Policy Year
Room and board
(i) 病房及膳食
$900 per day, payable starting from the 181st day of Confinement in a Policy Year for excess Eligible Expenses under basic benefit (a) Room and board × reimbursement rate
Miscellaneous charges
(ii) 雜項開支
Excess Eligible Expenses under basic benefit (b) Miscellaneous Charges × reimbursement rate
Attending doctor's visit fee
(iii) 主診醫生巡房費
$800 per day, payable starting from the 181st day of Confinement in a Policy Year for excess Eligible Expenses under basic benefit (c) Attending doctor's visit fee × reimbursement rate
Specialist's fee
(iv) 專科醫生費
Excess Eligible Expenses under basic benefit (d) Specialist's fee × reimbursement rate
Intensive care
(v) 深切治療
$4,500 per day, payable starting from the 31st day of Confinement in a Policy Year for excess Eligible Expenses under basic benefit (e) Intensive care × reimbursement rate
Surgeon's fee
(vi) 外科醫生費 (按手術表劃分的手術分類)
Excess Eligible Expenses under basic benefit (f) Surgeon's fee × reimbursement rate
Anaesthetist's fee
(vii) 麻醉科醫生費
Excess Eligible Expenses under basic benefit (g) Anaesthetist's fee × reimbursement rate
Operating theatre charges
(viii) 手術室費
Excess Eligible Expenses under basic benefit (h) Operating theatre charges × reimbursement rate

Extra Benefits

Hospital companion bed fee reimbursement
陪伴附加床位費
$200 per day, maximum 30 days per Policy Year
Daily post-surgery home nursing benefit
每日家居看護費
$400 per visit. Up to 1 per day within the post-discharge window after Confinement or Day Case Procedure. Maximum 30 visits per Policy Year.

Event Benefits

Compassionate death benefit
恩恤身故賠償
$20,000
Additional death benefit for organ donor
器官捐贈者額外身故津貼
$20,000

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$6,865	HK$5,379
1	HK$6,865	HK$5,379
2	HK$6,865	HK$5,379
3	HK$6,865	HK$5,379
4	HK$6,865	HK$5,379
5	HK$4,226	HK$3,915
6	HK$4,226	HK$3,915
7	HK$4,226	HK$3,915
8	HK$4,226	HK$3,915
9	HK$4,226	HK$3,915
10	HK$3,804	HK$3,755
11	HK$3,785	HK$3,749
12	HK$3,781	HK$3,757
13	HK$3,801	HK$3,774
14	HK$3,840	HK$3,800
15	HK$3,901	HK$3,837
16	HK$3,957	HK$3,958
17	HK$4,026	HK$4,118
18	HK$4,107	HK$4,310
19	HK$4,200	HK$4,537
20	HK$4,308	HK$4,801
21	HK$4,408	HK$4,990
22	HK$4,518	HK$5,181
23	HK$4,631	HK$5,374
24	HK$4,754	HK$5,564
25	HK$4,881	HK$5,754
26	HK$5,015	HK$5,982
27	HK$5,158	HK$6,224
28	HK$5,307	HK$6,479
29	HK$5,464	HK$6,744
30	HK$5,625	HK$7,023
31	HK$5,746	HK$7,244
32	HK$5,860	HK$7,454
33	HK$5,965	HK$7,652
34	HK$6,062	HK$7,842
35	HK$6,146	HK$8,019
36	HK$6,293	HK$8,281
37	HK$6,452	HK$8,568
38	HK$6,625	HK$8,875
39	HK$6,810	HK$9,207
40	HK$7,011	HK$9,557
41	HK$7,242	HK$9,858
42	HK$7,490	HK$10,157
43	HK$7,758	HK$10,455
44	HK$8,049	HK$10,749
45	HK$8,356	HK$11,042
46	HK$8,671	HK$11,357
47	HK$9,002	HK$11,679
48	HK$9,352	HK$12,007
49	HK$9,713	HK$12,338
50	HK$10,095	HK$12,677
51	HK$10,542	HK$13,049
52	HK$11,024	HK$13,433
53	HK$11,540	HK$13,831
54	HK$12,088	HK$14,246
55	HK$12,674	HK$14,676
56	HK$13,323	HK$15,098
57	HK$14,019	HK$15,526
58	HK$14,757	HK$15,967
59	HK$15,542	HK$16,410
60	HK$16,371	HK$16,862
61	HK$17,590	HK$17,646
62	HK$18,975	HK$18,551
63	HK$20,519	HK$19,569
64	HK$22,221	HK$20,704
65	HK$24,087	HK$21,955
66	HK$25,340	HK$22,864
67	HK$26,492	HK$23,742
68	HK$27,548	HK$24,580
69	HK$28,508	HK$25,381
70	HK$29,368	HK$26,151
71	HK$30,104	HK$26,801
72	HK$30,104	HK$26,801
73	HK$30,104	HK$26,801
74	HK$30,104	HK$26,801
75	HK$30,104	HK$26,801
76	HK$30,104	HK$26,801
77	HK$30,104	HK$26,801
78	HK$30,104	HK$26,801
79	HK$30,104	HK$26,801
80	HK$30,104	HK$26,801
81	HK$30,104	HK$26,801
82	HK$30,104	HK$26,801
83	HK$30,104	HK$26,801
84	HK$30,104	HK$26,801
85	HK$30,104	HK$26,801
86	HK$30,104	HK$26,801
87	HK$30,104	HK$26,801
88	HK$30,104	HK$26,801
89	HK$30,104	HK$26,801
90	HK$30,104	HK$26,801
91	HK$30,104	HK$26,801
92	HK$30,104	HK$26,801
93	HK$30,104	HK$26,801
94	HK$30,104	HK$26,801
95	HK$30,104	HK$26,801
96	HK$30,104	HK$26,801
97	HK$30,104	HK$26,801
98	HK$30,104	HK$26,801
99	HK$30,104	HK$26,801

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

1 with SMM (HKD)

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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: Nov 23, 2025
Last verified: 2026-04-25

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.