''BetterCare'' Medical Insurance Plan - Benefit Level 3 with SMM (HKD)

「樂康保」醫療保障計劃 - 保障級別 3+超額醫療保障 (港元)

Chow Tai Fook Life Insurance Co Ltd

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Your premium

HK$17,054 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$700,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

HK$338,000

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	$4,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$24,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$3,800 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$10,000 per Policy Year
(e) Intensive care (e) 深切治療	$10,000 per day, maximum 30 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$8,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$25,000
Surgeon's fee — Major 外科醫生費 — 大型	$40,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$84,000
(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	$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$150,000 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	$800, per visit, $7,000 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	$60,000 per Policy Year
Room and board (i) 病房及膳食	$4,000 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	$3,800 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	$10,000 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	$500 per day, maximum 30 days per Policy Year
Daily post-surgery home nursing benefit 每日家居看護費	$1,000 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	$30,000
Additional death benefit for organ donor 器官捐贈者額外身故津貼	$30,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$4,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$24,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$3,800 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$10,000 per Policy Year
(e) Intensive care
(e) 深切治療
$10,000 per day, maximum 30 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$8,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$25,000
Surgeon's fee — Major
外科醫生費 — 大型
$40,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$84,000
(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
$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$150,000 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
$800, per visit, $7,000 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
$60,000 per Policy Year
Room and board
(i) 病房及膳食
$4,000 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
$3,800 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
$10,000 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
$500 per day, maximum 30 days per Policy Year
Daily post-surgery home nursing benefit
每日家居看護費
$1,000 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
$30,000
Additional death benefit for organ donor
器官捐贈者額外身故津貼
$30,000

Premium Schedule

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

Age	Male	Female
0	HK$20,996	HK$14,432
1	HK$20,996	HK$14,432
2	HK$20,996	HK$14,432
3	HK$20,996	HK$14,432
4	HK$20,996	HK$14,432
5	HK$12,163	HK$10,649
6	HK$12,163	HK$10,649
7	HK$12,163	HK$10,649
8	HK$12,163	HK$10,649
9	HK$12,163	HK$10,649
10	HK$10,944	HK$10,221
11	HK$10,880	HK$10,213
12	HK$10,876	HK$10,232
13	HK$10,931	HK$10,275
14	HK$11,045	HK$10,343
15	HK$11,221	HK$10,437
16	HK$11,464	HK$10,899
17	HK$11,765	HK$11,500
18	HK$12,133	HK$12,243
19	HK$12,563	HK$13,121
20	HK$13,051	HK$14,142
21	HK$13,374	HK$14,779
22	HK$13,681	HK$15,380
23	HK$13,974	HK$15,945
24	HK$14,252	HK$16,479
25	HK$14,515	HK$16,975
26	HK$14,938	HK$17,690
27	HK$15,401	HK$18,454
28	HK$15,908	HK$19,268
29	HK$16,460	HK$20,132
30	HK$17,054	HK$21,044
31	HK$17,449	HK$21,874
32	HK$17,807	HK$22,710
33	HK$18,130	HK$23,549
34	HK$18,412	HK$24,393
35	HK$18,658	HK$25,245
36	HK$19,151	HK$26,070
37	HK$19,696	HK$26,889
38	HK$20,299	HK$27,705
39	HK$20,957	HK$28,515
40	HK$21,671	HK$29,323
41	HK$22,458	HK$30,187
42	HK$23,308	HK$31,069
43	HK$24,218	HK$31,967
44	HK$25,188	HK$32,881
45	HK$26,223	HK$33,812
46	HK$27,237	HK$34,795
47	HK$28,288	HK$35,804
48	HK$29,371	HK$36,843
49	HK$30,490	HK$37,908
50	HK$31,644	HK$39,002
51	HK$32,960	HK$40,107
52	HK$34,354	HK$41,236
53	HK$35,825	HK$42,382
54	HK$37,370	HK$43,556
55	HK$38,996	HK$44,751
56	HK$40,944	HK$46,087
57	HK$43,049	HK$47,485
58	HK$45,318	HK$48,943
59	HK$47,742	HK$50,462
60	HK$50,325	HK$52,045
61	HK$54,671	HK$55,089
62	HK$59,707	HK$58,664
63	HK$65,433	HK$62,768
64	HK$71,856	HK$67,399
65	HK$78,969	HK$72,562
66	HK$84,315	HK$76,795
67	HK$89,536	HK$81,071
68	HK$94,629	HK$85,393
69	HK$99,596	HK$89,760
70	HK$104,435	HK$94,169
71	HK$107,045	HK$96,524
72	HK$107,045	HK$96,524
73	HK$107,045	HK$96,524
74	HK$107,045	HK$96,524
75	HK$107,045	HK$96,524
76	HK$107,045	HK$96,524
77	HK$107,045	HK$96,524
78	HK$107,045	HK$96,524
79	HK$107,045	HK$96,524
80	HK$107,045	HK$96,524
81	HK$107,045	HK$96,524
82	HK$107,045	HK$96,524
83	HK$107,045	HK$96,524
84	HK$107,045	HK$96,524
85	HK$107,045	HK$96,524
86	HK$107,045	HK$96,524
87	HK$107,045	HK$96,524
88	HK$107,045	HK$96,524
89	HK$107,045	HK$96,524
90	HK$107,045	HK$96,524
91	HK$107,045	HK$96,524
92	HK$107,045	HK$96,524
93	HK$107,045	HK$96,524
94	HK$107,045	HK$96,524
95	HK$107,045	HK$96,524
96	HK$107,045	HK$96,524
97	HK$107,045	HK$96,524
98	HK$107,045	HK$96,524
99	HK$107,045	HK$96,524

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

1 with SMM (HKD)

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2 with SMM (HKD)

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3 with SMM (HKD)

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1 with SMM (USD)

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2 with SMM (USD)

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3 with SMM (USD)

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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.