''BetterCare'' Medical Insurance Plan - Benefit Level 2 with SMM (HKD)

「樂康保」醫療保障計劃 - 保障級別 2+超額醫療保障 (港元)

Chow Tai Fook Life Insurance Co Ltd

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Your premium

HK$9,342 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$600,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

HK$168,000

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	$1,800 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$16,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,600 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$5,500 per Policy Year
(e) Intensive care (e) 深切治療	$5,500 per day, maximum 30 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$6,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$15,000
Surgeon's fee — Major 外科醫生費 — 大型	$30,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$63,000
(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	$25,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$120,000 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	$700, per visit, $6,000 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	$55,000 per Policy Year
Room and board (i) 病房及膳食	$1,800 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	$1,600 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	$5,500 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	$350 per day, maximum 30 days per Policy Year
Daily post-surgery home nursing benefit 每日家居看護費	$700 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	$25,000
Additional death benefit for organ donor 器官捐贈者額外身故津貼	$25,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,800 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$16,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,600 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$5,500 per Policy Year
(e) Intensive care
(e) 深切治療
$5,500 per day, maximum 30 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$6,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$15,000
Surgeon's fee — Major
外科醫生費 — 大型
$30,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$63,000
(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
$25,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$120,000 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
$700, per visit, $6,000 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
$55,000 per Policy Year
Room and board
(i) 病房及膳食
$1,800 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
$1,600 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
$5,500 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
$350 per day, maximum 30 days per Policy Year
Daily post-surgery home nursing benefit
每日家居看護費
$700 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
$25,000
Additional death benefit for organ donor
器官捐贈者額外身故津貼
$25,000

Premium Schedule

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

Age	Male	Female
0	HK$11,830	HK$9,258
1	HK$11,830	HK$9,258
2	HK$11,830	HK$9,258
3	HK$11,830	HK$9,258
4	HK$11,830	HK$9,258
5	HK$6,808	HK$6,008
6	HK$6,808	HK$6,008
7	HK$6,808	HK$6,008
8	HK$6,808	HK$6,008
9	HK$6,808	HK$6,008
10	HK$6,130	HK$5,763
11	HK$6,092	HK$5,757
12	HK$6,090	HK$5,768
13	HK$6,120	HK$5,792
14	HK$6,186	HK$5,833
15	HK$6,281	HK$5,886
16	HK$6,381	HK$6,081
17	HK$6,500	HK$6,333
18	HK$6,643	HK$6,640
19	HK$6,810	HK$7,004
20	HK$6,998	HK$7,424
21	HK$7,169	HK$7,789
22	HK$7,352	HK$8,174
23	HK$7,544	HK$8,574
24	HK$7,746	HK$8,995
25	HK$7,957	HK$9,435
26	HK$8,200	HK$9,867
27	HK$8,463	HK$10,310
28	HK$8,737	HK$10,764
29	HK$9,032	HK$11,229
30	HK$9,342	HK$11,700
31	HK$9,568	HK$12,163
32	HK$9,780	HK$12,630
33	HK$9,975	HK$13,098
34	HK$10,154	HK$13,568
35	HK$10,319	HK$14,042
36	HK$10,577	HK$14,481
37	HK$10,858	HK$14,911
38	HK$11,162	HK$15,330
39	HK$11,485	HK$15,740
40	HK$11,830	HK$16,137
41	HK$12,196	HK$16,581
42	HK$12,586	HK$17,031
43	HK$12,998	HK$17,486
44	HK$13,432	HK$17,946
45	HK$13,888	HK$18,420
46	HK$14,389	HK$18,993
47	HK$14,920	HK$19,608
48	HK$15,477	HK$20,264
49	HK$16,070	HK$20,957
50	HK$16,688	HK$21,692
51	HK$17,413	HK$22,167
52	HK$18,198	HK$22,586
53	HK$19,035	HK$22,943
54	HK$19,926	HK$23,244
55	HK$20,874	HK$23,482
56	HK$21,942	HK$24,014
57	HK$23,087	HK$24,607
58	HK$24,308	HK$25,254
59	HK$25,607	HK$25,962
60	HK$26,986	HK$26,726
61	HK$28,995	HK$28,019
62	HK$31,268	HK$29,525
63	HK$33,804	HK$31,248
64	HK$36,605	HK$33,181
65	HK$39,668	HK$35,332
66	HK$42,071	HK$37,174
67	HK$44,426	HK$39,055
68	HK$46,742	HK$40,975
69	HK$49,011	HK$42,933
70	HK$51,233	HK$44,936
71	HK$52,512	HK$46,058
72	HK$52,512	HK$46,058
73	HK$52,512	HK$46,058
74	HK$52,512	HK$46,058
75	HK$52,512	HK$46,058
76	HK$52,512	HK$46,058
77	HK$52,512	HK$46,058
78	HK$52,512	HK$46,058
79	HK$52,512	HK$46,058
80	HK$52,512	HK$46,058
81	HK$52,512	HK$46,058
82	HK$52,512	HK$46,058
83	HK$52,512	HK$46,058
84	HK$52,512	HK$46,058
85	HK$52,512	HK$46,058
86	HK$52,512	HK$46,058
87	HK$52,512	HK$46,058
88	HK$52,512	HK$46,058
89	HK$52,512	HK$46,058
90	HK$52,512	HK$46,058
91	HK$52,512	HK$46,058
92	HK$52,512	HK$46,058
93	HK$52,512	HK$46,058
94	HK$52,512	HK$46,058
95	HK$52,512	HK$46,058
96	HK$52,512	HK$46,058
97	HK$52,512	HK$46,058
98	HK$52,512	HK$46,058
99	HK$52,512	HK$46,058

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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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.