← Back to ''BetterCare'' Medical Insurance Plan - Benefit Level series
VHIS Flexi · F00021-06-000-03
''BetterCare'' Medical Insurance Plan - Benefit Level 3 with SMM (USD)
「樂康保」醫療保障計劃 - 保障級別 3+超額醫療保障 (美元)
Your premium
US$2,200 /yr
age
US$Ward class
Standard Private Room
Coverage region
Worldwide
Deductible
—
Annual benefit limit
US$90,325
Per-illness annual limit
—
Lifetime benefit limit
—
SMM Supplemental Major Medical
US$342,378
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 | $520 per day, maximum 180 days per Policy Year |
(b) Miscellaneous charges (b) 雜項開支 | $3,100 per Policy Year |
(c) Attending doctor's visit fee (c) 主診醫生巡房費 | $495 per day, maximum 180 days per Policy Year |
(d) Specialist's fee (d) 專科醫生費 | $1,295 per Policy Year |
(e) Intensive care (e) 深切治療 | $1,295 per day, maximum 30 days per Policy Year |
Surgeon's fee — Minor 外科醫生費 — 小型 | $1,035 |
Surgeon's fee — Intermediate 外科醫生費 — 中型 | $3,230 |
Surgeon's fee — Major 外科醫生費 — 大型 | $5,165 |
Surgeon's fee — Complex 外科醫生費 — 複雜 | $10,840 |
(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 | $3,875 per Policy Year. Subject to 30% Coinsurance. |
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療 | $19,355 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 | $105, per visit, $905 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 | $7,745 per Policy Year |
Room and board (i) 病房及膳食 | $520 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 | $495 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 | $1,295 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 | $65 per day, maximum 30 days per Policy Year |
Daily post-surgery home nursing benefit 每日家居看護費 | $130 per visit. Up to 1 per day within the post-discharge window after Confinement or Day Case Procedure. Maximum 30 visits per Policy Year. |
Supplementary Major Medical Benefit 超額醫療保障每保單年度最高賠償限額共同保險 | $43,615; 20% Coinsurance (i.e. 80% reimbursement rate) |
| Event Benefits | |
Compassionate death benefit 恩恤身故賠償 | $3,875 |
Additional death benefit for organ donor 器官捐贈者額外身故津貼 | $3,875 |
Basic Benefits
- (a) Room and board(a) 病房及膳食$520 per day, maximum 180 days per Policy Year
- (b) Miscellaneous charges(b) 雜項開支$3,100 per Policy Year
- (c) Attending doctor's visit fee(c) 主診醫生巡房費$495 per day, maximum 180 days per Policy Year
- (d) Specialist's fee(d) 專科醫生費$1,295 per Policy Year
- (e) Intensive care(e) 深切治療$1,295 per day, maximum 30 days per Policy Year
- Surgeon's fee — Minor外科醫生費 — 小型$1,035
- Surgeon's fee — Intermediate外科醫生費 — 中型$3,230
- Surgeon's fee — Major外科醫生費 — 大型$5,165
- Surgeon's fee — Complex外科醫生費 — 複雜$10,840
- (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$3,875 per Policy Year. Subject to 30% Coinsurance.
- (j) Prescribed Non-surgical Cancer Treatments(j) 訂明非手術癌症治療$19,355 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$105, per visit, $905 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$7,745 per Policy Year
- Room and board(i) 病房及膳食$520 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$495 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$1,295 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$65 per day, maximum 30 days per Policy Year
- Daily post-surgery home nursing benefit每日家居看護費$130 per visit. Up to 1 per day within the post-discharge window after Confinement or Day Case Procedure. Maximum 30 visits per Policy Year.
- Supplementary Major Medical Benefit超額醫療保障每保單年度最高賠償限額共同保險$43,615; 20% Coinsurance (i.e. 80% reimbursement rate)
Event Benefits
- Compassionate death benefit恩恤身故賠償$3,875
- Additional death benefit for organ donor器官捐贈者額外身故津貼$3,875
Premium Schedule
Annual premium · Premium varies by gender (smoking-agnostic) · USD
Other deductible options in this series
6 deductibles — same benefit schedule, premium scales with deductible
- 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.