← Back to ''TopCare'' Medical Insurance Plan - Benefit Level series

VHIS Flexi · F00037-02-000-03

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

「摯康保」醫療保障計劃 - 保障級別 2+超額醫療保障 (港元)

''TopCare'' Medical Insurance Plan - Benefit Level 2 with SMM (HKD) is a VHIS Flexi plan offered by Chow Tai Fook Life Insurance Co Ltd, with ward class Ward, Worldwide coverage and full coverage (no annual benefit limit). Latest plan-document version: Nov 23, 2025.

Data version: Nov 23, 2025

Your premium

HK$6,414 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

No cap

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

HK$180,000／per policy year, 15% coinsurance

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	$1,200 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	$950 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$6,000 per Policy Year
(e) Intensive care (e) 深切治療	$6,000 per day, maximum 90 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	$30,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$70,000
(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• When performed during Confinement: subject to 30% Coinsurance• When performed in a facility providing day-patient medical services: subject to 20% 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	$800, per visit, $5,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 6 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
Extra Benefits
Isolation ward charges benefit 隔離病房	$1,200 per day, maximum 180 days per Policy Year
Hospital companion bed fee reimbursement 陪伴附加床位費	Full reimbursement of Eligible Expenses, maximum 180 days per Policy YearR&C
Daily post-surgery home nursing benefit 每日家居看護費	$800 per visit. Up to 1 per day within the post-discharge window after Confinement or Day Case Procedure. Maximum 30 visits per Policy Year.
Chinese Medicine Practitioner outpatient care 住院/門診中醫保障	1) Chinese medicine treatment and Chinese medicine used during Confinement: subject to the same benefit limit as I) Basic Benefits (b) Miscellaneous Charges in the Benefit Schedule.2) Attending Chinese medicine practitioner's ward visit fee during Confinement: subject to the same benefit limit as I) Basic Benefits (c) Attending Doctor's Visit in the Benefit Schedule.3) Chinese medicine treatment before/after discharge or Day Case Procedure: $600 per visit, $2,000 per Policy Year. Up to 3 follow-up outpatient visits within the post-discharge window after Confinement or Day Case Procedure.
Major Cancer supplementary benefit 主要癌症額外保障	$120,000 per Benefit Period (i.e. every 6 consecutive Policy Years)
Outpatient kidney dialysis 腎臟透析	$50,000 per Policy Year
Emergency outpatient treatment for Accident 急症門診治療(只限意外) — 急症門診	$10,000 per Policy Year, including Emergency dental treatment within 24 hours of the Accident
Emergency dental benefit (Accident only) 急症門診治療(只限意外) — 急症牙科治療	$10,000 per Policy Year, within 30 days of the Accident
Complications of pregnancy 妊娠期併發症	Eligible Expenses or actual charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i), (k) of I) Basic Benefits and (a) – (d) of II) Additional Benefits
Hospice and palliative care benefit 善終服務	$30,000 per Policy Year
Organ transplant donor benefit 捐贈器官	$100,000 per Policy Year
Cash Benefits
Day surgery cash benefit 日間手術現金津貼	$800 per Day Case Procedure, 1 per Policy Year
Hospital transport cash allowance 住院交通現金津貼	Not applicable
Lower ward class cash benefit 住院現金津貼	Not applicable
Second-claim cash allowanceAfter other pays 特別現金津貼	5% of the amount reimbursed by other insurers, $3,000 per Policy Year
Post-donation health supplement cash allowance 器官捐贈後健康補品現金津貼	$20,000 per Policy Year
Event Benefits
Income-loss medical upgrade benefit 收入損失升級醫療保障	Coinsurance under Supplemental Major Medical Benefits is reduced to 0% (i.e. 100% reimbursement rate)
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	$100,000
Medical accident and incident extension benefit 醫療疏忽事故保障	$100,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,200 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
$950 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$6,000 per Policy Year
(e) Intensive care
(e) 深切治療
$6,000 per day, maximum 90 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
$30,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$70,000
(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• When performed during Confinement: subject to 30% Coinsurance• When performed in a facility providing day-patient medical services: subject to 20% 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
$800, per visit, $5,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 6 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

Extra Benefits

Isolation ward charges benefit
隔離病房
$1,200 per day, maximum 180 days per Policy Year
Hospital companion bed fee reimbursement
陪伴附加床位費
Full reimbursement of Eligible Expenses, maximum 180 days per Policy YearR&C
Daily post-surgery home nursing benefit
每日家居看護費
$800 per visit. Up to 1 per day within the post-discharge window after Confinement or Day Case Procedure. Maximum 30 visits per Policy Year.
Chinese Medicine Practitioner outpatient care
住院/門診中醫保障
1) Chinese medicine treatment and Chinese medicine used during Confinement: subject to the same benefit limit as I) Basic Benefits (b) Miscellaneous Charges in the Benefit Schedule.2) Attending Chinese medicine practitioner's ward visit fee during Confinement: subject to the same benefit limit as I) Basic Benefits (c) Attending Doctor's Visit in the Benefit Schedule.3) Chinese medicine treatment before/after discharge or Day Case Procedure: $600 per visit, $2,000 per Policy Year. Up to 3 follow-up outpatient visits within the post-discharge window after Confinement or Day Case Procedure.
Major Cancer supplementary benefit
主要癌症額外保障
$120,000 per Benefit Period (i.e. every 6 consecutive Policy Years)
Outpatient kidney dialysis
腎臟透析
$50,000 per Policy Year
Emergency outpatient treatment for Accident
急症門診治療(只限意外) — 急症門診
$10,000 per Policy Year, including Emergency dental treatment within 24 hours of the Accident
Emergency dental benefit (Accident only)
急症門診治療(只限意外) — 急症牙科治療
$10,000 per Policy Year, within 30 days of the Accident
Complications of pregnancy
妊娠期併發症
Eligible Expenses or actual charges paid for the covered pregnancy complications are subject to the benefit limits under benefit items (a) – (i), (k) of I) Basic Benefits and (a) – (d) of II) Additional Benefits
Hospice and palliative care benefit
善終服務
$30,000 per Policy Year
Organ transplant donor benefit
捐贈器官
$100,000 per Policy Year

Cash Benefits

Day surgery cash benefit
日間手術現金津貼
$800 per Day Case Procedure, 1 per Policy Year
Hospital transport cash allowance
住院交通現金津貼
Not applicable
Lower ward class cash benefit
住院現金津貼
Not applicable
Second-claim cash allowanceAfter other pays
特別現金津貼
5% of the amount reimbursed by other insurers, $3,000 per Policy Year
Post-donation health supplement cash allowance
器官捐贈後健康補品現金津貼
$20,000 per Policy Year

Event Benefits

Income-loss medical upgrade benefit
收入損失升級醫療保障
Coinsurance under Supplemental Major Medical Benefits is reduced to 0% (i.e. 100% reimbursement rate)
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
$100,000
Medical accident and incident extension benefit
醫療疏忽事故保障
$100,000

No-Claim Bonus

Renewal premium discount earned by staying claim-free

Single flat-rate discount

16% (consecutive 0 yrs)

Claims that do NOT break the streak

日間手術
第(j)節之保障
第(l)節之保障

Verbatim clause

第三部分保費條文 (a) 無索償折扣 — 本公司將根據以下所述對本認可產品之保費提供折扣：(i) 在第一個保單年度及其後每一個保單年度，本公司將會提供百分之十六(16%)的保費折扣；(ii) 如在任何一個已提供百分之十六(16%)折扣的保單年度，本公司就條款及保障第六部分第3節 (除第(j)及(l)節) 及/或本補充文件的第四部分第(a)至(c)節之任何保障（日間手術之保障除外）（即「指定保障」）收到索償並已給付該賠償，本公司會在緊接該保單年度後的保單年度減低保費折扣至百分之八(8%)，並在隨後的保單年度減低保費折扣至百分之零(0%)；(iii) 如連續三(3)個保單年度本公司沒有就指定保障作出賠償，該期間會被視為無索償期，本公司將會就緊接該無索償期後的保單年度所應繳付之保費恢復保費折扣至百分之十六(16%)。

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00037/F00037-01-000-03-PlanDoc-c.pdf

Premium Schedule

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

Age	Male	Female
0	HK$8,452	HK$6,489
1	HK$8,452	HK$6,489
2	HK$8,452	HK$6,489
3	HK$8,452	HK$6,489
4	HK$8,452	HK$6,489
5	HK$5,232	HK$5,229
6	HK$5,232	HK$5,229
7	HK$5,232	HK$5,229
8	HK$5,232	HK$5,229
9	HK$5,232	HK$5,229
10	HK$4,639	HK$4,449
11	HK$4,605	HK$4,407
12	HK$4,596	HK$4,404
13	HK$4,618	HK$4,442
14	HK$4,667	HK$4,515
15	HK$4,745	HK$4,629
16	HK$4,827	HK$4,796
17	HK$4,935	HK$5,008
18	HK$5,061	HK$5,267
19	HK$5,211	HK$5,567
20	HK$5,380	HK$5,910
21	HK$5,454	HK$6,136
22	HK$5,517	HK$6,357
23	HK$5,570	HK$6,576
24	HK$5,614	HK$6,793
25	HK$5,650	HK$7,007
26	HK$5,764	HK$7,283
27	HK$5,898	HK$7,576
28	HK$6,051	HK$7,890
29	HK$6,223	HK$8,219
30	HK$6,414	HK$8,567
31	HK$6,582	HK$8,912
32	HK$6,743	HK$9,260
33	HK$6,898	HK$9,599
34	HK$7,049	HK$9,940
35	HK$7,193	HK$10,280
36	HK$7,362	HK$10,645
37	HK$7,535	HK$11,019
38	HK$7,715	HK$11,402
39	HK$7,899	HK$11,793
40	HK$8,088	HK$12,192
41	HK$8,364	HK$12,530
42	HK$8,673	HK$12,855
43	HK$9,020	HK$13,171
44	HK$9,404	HK$13,476
45	HK$9,818	HK$13,773
46	HK$10,287	HK$14,096
47	HK$10,798	HK$14,427
48	HK$11,345	HK$14,757
49	HK$11,935	HK$15,090
50	HK$12,565	HK$15,427
51	HK$13,242	HK$15,815
52	HK$13,956	HK$16,214
53	HK$14,710	HK$16,627
54	HK$15,504	HK$17,055
55	HK$16,336	HK$17,495
56	HK$17,290	HK$18,008
57	HK$18,314	HK$18,556
58	HK$19,405	HK$19,135
59	HK$20,564	HK$19,750
60	HK$21,787	HK$20,398
61	HK$23,263	HK$21,551
62	HK$24,848	HK$22,880
63	HK$26,544	HK$24,388
64	HK$28,357	HK$26,075
65	HK$30,283	HK$27,944
66	HK$32,146	HK$29,704
67	HK$34,065	HK$31,548
68	HK$36,039	HK$33,480
69	HK$38,070	HK$35,498
70	HK$40,161	HK$37,604
71	HK$42,044	HK$39,361
72	HK$42,044	HK$39,361
73	HK$42,044	HK$39,361
74	HK$42,044	HK$39,361
75	HK$42,044	HK$39,361
76	HK$42,044	HK$39,361
77	HK$42,044	HK$39,361
78	HK$42,044	HK$39,361
79	HK$42,044	HK$39,361
80	HK$42,044	HK$39,361
81	HK$42,044	HK$39,361
82	HK$42,044	HK$39,361
83	HK$42,044	HK$39,361
84	HK$42,044	HK$39,361
85	HK$42,044	HK$39,361
86	HK$42,044	HK$39,361
87	HK$42,044	HK$39,361
88	HK$42,044	HK$39,361
89	HK$42,044	HK$39,361
90	HK$42,044	HK$39,361
91	HK$42,044	HK$39,361
92	HK$42,044	HK$39,361
93	HK$42,044	HK$39,361
94	HK$42,044	HK$39,361
95	HK$42,044	HK$39,361
96	HK$42,044	HK$39,361
97	HK$42,044	HK$39,361
98	HK$42,044	HK$39,361
99	HK$42,044	HK$39,361
100	HK$42,044	HK$39,361
101	HK$42,044	HK$39,361
102	HK$42,044	HK$39,361
103	HK$42,044	HK$39,361
104	HK$42,044	HK$39,361
105	HK$42,044	HK$39,361
106	HK$42,044	HK$39,361
107	HK$42,044	HK$39,361
108	HK$42,044	HK$39,361
109	HK$42,044	HK$39,361
110	HK$42,044	HK$39,361
111	HK$42,044	HK$39,361
112	HK$42,044	HK$39,361
113	HK$42,044	HK$39,361
114	HK$42,044	HK$39,361
115	HK$42,044	HK$39,361
116	HK$42,044	HK$39,361
117	HK$42,044	HK$39,361
118	HK$42,044	HK$39,361
119	HK$42,044	HK$39,361
120	HK$42,044	HK$39,361
121	HK$42,044	HK$39,361
122	HK$42,044	HK$39,361
123	HK$42,044	HK$39,361
124	HK$42,044	HK$39,361
125	HK$42,044	HK$39,361
126	HK$42,044	HK$39,361
127	HK$42,044	HK$39,361

Other deductible options in this series

8 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.