''TopCare'' Medical Insurance Plan - Benefit Level
「摯康保」醫療保障計劃-保障級別
Chow Tai Fook Life Insurance Co Ltd·8 plan options
''TopCare'' Medical Insurance Plan - Benefit Level is a VHIS Flexi plan offered by Chow Tai Fook Life Insurance Co Ltd, with ward class Ward, Worldwide (including United States) coverage and no overall annual benefit limit. Latest plan-document version: Nov 23, 2025.
Plan options
8 options — premiums differ; deductible, ward class or cover may also differPlan option
1 with SMM (HKD)
Entry premium (Age 30 male non-smoker)
HK$5,195 /yr
View details →
Plan option
2 with SMM (HKD)
Entry premium (Age 30 male non-smoker)
HK$6,414 /yr
View details →
Plan option
3 with SMM (HKD)
Entry premium (Age 30 male non-smoker)
HK$9,156 /yr
View details →
Plan option
4 with SMM (HKD)
Entry premium (Age 30 male non-smoker)
HK$16,712 /yr
View details →
Plan option
1 with SMM (USD)
Entry premium (Age 30 male non-smoker)
US$670.24/yr
View details →
Plan option
2 with SMM (USD)
Entry premium (Age 30 male non-smoker)
US$827.38/yr
View details →
Plan option
3 with SMM (USD)
Entry premium (Age 30 male non-smoker)
US$1,180.95/yr
View details →
Plan option
4 with SMM (USD)
Entry premium (Age 30 male non-smoker)
US$2,155.95/yr
View details →
Premiums by age
Yearly premium of every option by age and sex| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| 1 with SMM (HKD) | HK$6,836 | HK$3,865 | HK$4,485 | HK$5,195 | HK$6,770 | HK$10,373 | HK$17,201 | HK$32,445 | HK$33,952 |
| 2 with SMM (HKD) | HK$8,452 | HK$4,639 | HK$5,380 | HK$6,414 | HK$8,088 | HK$12,565 | HK$21,787 | HK$40,161 | HK$42,044 |
| 3 with SMM (HKD) | HK$12,151 | HK$6,419 | HK$7,513 | HK$9,156 | HK$11,623 | HK$18,285 | HK$31,063 | HK$53,051 | HK$55,924 |
| 4 with SMM (HKD) | HK$20,476 | HK$11,465 | HK$14,013 | HK$16,712 | HK$21,502 | HK$34,674 | HK$57,935 | HK$108,464 | HK$114,573 |
| 1 with SMM (USD) | US$882.14 | US$498.81 | US$578.57 | US$670.24 | US$873.81 | US$1,338.1 | US$2,219.05 | US$4,186.9 | US$4,380.95 |
| 2 with SMM (USD) | US$1,090.48 | US$598.81 | US$694.05 | US$827.38 | US$1,044.05 | US$1,621.43 | US$2,810.71 | US$5,182.14 | US$5,425 |
| 3 with SMM (USD) | US$1,567.86 | US$828.57 | US$969.05 | US$1,180.95 | US$1,500 | US$2,359.52 | US$4,008.33 | US$6,845.24 | US$7,215.48 |
| 4 with SMM (USD) | US$2,641.67 | US$1,479.76 | US$1,808.33 | US$2,155.95 | US$2,775 | US$4,473.81 | US$7,475 | US$13,995.24 | US$14,783.33 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| 1 with SMM (HKD) | HK$5,219 | HK$3,707 | HK$4,924 | HK$7,138 | HK$10,117 | HK$12,738 | HK$16,476 | HK$30,385 | HK$31,790 |
| 2 with SMM (HKD) | HK$6,489 | HK$4,449 | HK$5,910 | HK$8,567 | HK$12,192 | HK$15,427 | HK$20,398 | HK$37,604 | HK$39,361 |
| 3 with SMM (HKD) | HK$9,596 | HK$5,870 | HK$7,763 | HK$11,276 | HK$15,576 | HK$20,331 | HK$28,467 | HK$48,574 | HK$51,545 |
| 4 with SMM (HKD) | HK$14,956 | HK$10,411 | HK$14,963 | HK$20,223 | HK$28,052 | HK$39,044 | HK$55,439 | HK$102,064 | HK$108,642 |
| 1 with SMM (USD) | US$673.81 | US$478.57 | US$635.71 | US$921.43 | US$1,305.95 | US$1,644.05 | US$2,126.19 | US$3,920.24 | US$4,102.38 |
| 2 with SMM (USD) | US$836.9 | US$573.81 | US$763.1 | US$1,105.95 | US$1,572.62 | US$1,990.48 | US$2,632.14 | US$4,852.38 | US$5,078.57 |
| 3 with SMM (USD) | US$1,238.1 | US$757.14 | US$1,001.19 | US$1,454.76 | US$2,009.52 | US$2,623.81 | US$3,672.62 | US$6,267.86 | US$6,651.19 |
| 4 with SMM (USD) | US$1,929.76 | US$1,342.86 | US$1,930.95 | US$2,609.52 | US$3,620.24 | US$5,038.1 | US$7,153.57 | US$13,169.05 | US$14,017.86 |
How to apply for this plan
This plan is offered by Chow Tai Fook Life Insurance Co Ltd. To apply, contact Chow Tai Fook Life Insurance Co Ltd or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
This site's licensed insurance agent can only arrange FWD plans.
- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Nov 23, 2025
- Plan data updated
- 2026-04-25