← Back to ''TopCare'' Medical Insurance Plan - Benefit Level series
''TopCare'' Medical Insurance Plan - Benefit Level 2 with SMM (USD)
「摯康保」醫療保障計劃 - 保障級別 2+超額醫療保障 (美元)
Chow Tai Fook Life Insurance Co Ltd
''TopCare'' Medical Insurance Plan - Benefit Level 2 with SMM (USD) 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.
Your premium
US$827.38 /yr
age
US$Plan at a glance
- Ward class
- Ward
- Coverage region
- Worldwide (including United States)
- Deductible
- —
- Annual benefit limit
- No cap
- Per-illness annual limit
- —
- Lifetime benefit limit
- —
- SMM Supplemental Major Medical
- US$182,355／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 | $155 per day, maximum 180 days per Policy Year |
(b) Miscellaneous charges (b) 雜項開支 | $2,065 per Policy Year |
(c) Attending doctor's visit fee (c) 主診醫生巡房費 | $125 per day, maximum 180 days per Policy Year |
(d) Specialist's fee (d) 專科醫生費 | $775 per Policy Year |
(e) Intensive care (e) 深切治療 | $775 per day, maximum 90 days per Policy Year |
Surgeon's fee — Minor 外科醫生費 — 小型 | $650 |
Surgeon's fee — Intermediate 外科醫生費 — 中型 | $1,615 |
Surgeon's fee — Major 外科醫生費 — 大型 | $3,875 |
Surgeon's fee — Complex 外科醫生費 — 複雜 | $9,035 |
(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 | $3,230 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 | $15,485 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, $650 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 | $6,455 per Policy Year |
| Extra Benefits | |
Isolation ward charges benefit 隔離病房 | $155 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 |
Home nursing 每日家居看護費 | $105 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: $80 per visit, $260 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 | $15,485 per Benefit Period (i.e. every 6 consecutive Policy Years) |
Outpatient kidney dialysis 腎臟透析 | $6,455 per Policy Year |
Emergency outpatient treatment for Accident 急症門診治療(只限意外) — 急症門診 | $1,295 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 | $1,295 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 | $3,875 per Policy Year |
Organ transplant donor benefit 捐贈器官 | $12,905 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 | $23,230; 15% Coinsurance (i.e. 85% reimbursement rate) |
| Cash Benefits | |
Day surgery cash benefit 日間手術現金津貼 | $105 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, $390 per Policy Year |
Post-donation health supplement cash allowance 器官捐贈後健康補品現金津貼 | $2,585 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 | $2,585 |
Additional death benefit for organ donor 器官捐贈者額外身故津貼 | $12,905 |
Medical accident and incident extension benefit 醫療疏忽事故保障 | $12,905 |
Basic Benefits
- (a) Room and board(a) 病房及膳食$155 per day, maximum 180 days per Policy Year
- (b) Miscellaneous charges(b) 雜項開支$2,065 per Policy Year
- (c) Attending doctor's visit fee(c) 主診醫生巡房費$125 per day, maximum 180 days per Policy Year
- (d) Specialist's fee(d) 專科醫生費$775 per Policy Year
- (e) Intensive care(e) 深切治療$775 per day, maximum 90 days per Policy Year
- Surgeon's fee — Minor外科醫生費 — 小型$650
- Surgeon's fee — Intermediate外科醫生費 — 中型$1,615
- Surgeon's fee — Major外科醫生費 — 大型$3,875
- Surgeon's fee — Complex外科醫生費 — 複雜$9,035
- (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$3,230 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$15,485 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, $650 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$6,455 per Policy Year
Extra Benefits
- Isolation ward charges benefit隔離病房$155 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
- Home nursing每日家居看護費$105 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: $80 per visit, $260 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$15,485 per Benefit Period (i.e. every 6 consecutive Policy Years)
- Outpatient kidney dialysis腎臟透析$6,455 per Policy Year
- Emergency outpatient treatment for Accident急症門診治療(只限意外) — 急症門診$1,295 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$1,295 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$3,875 per Policy Year
- Organ transplant donor benefit捐贈器官$12,905 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$23,230; 15% Coinsurance (i.e. 85% reimbursement rate)
Cash Benefits
- Day surgery cash benefit日間手術現金津貼$105 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, $390 per Policy Year
- Post-donation health supplement cash allowance器官捐贈後健康補品現金津貼$2,585 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$2,585
- Additional death benefit for organ donor器官捐贈者額外身故津貼$12,905
- Medical accident and incident extension benefit醫療疏忽事故保障$12,905
No-Claim Bonus
Renewal premium discount earned by staying claim-free
Single flat-rate discount
16%
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) · USD
| Age | Male | Female |
|---|---|---|
| 0 | US$1,090.48 | US$836.9 |
| 5 | US$675 | US$675 |
| 10 | US$598.81 | US$573.81 |
| 15 | US$611.9 | US$597.62 |
| 20 | US$694.05 | US$763.1 |
| 25 | US$728.57 | US$903.57 |
| 30 | US$827.38 | US$1,105.95 |
| 35 | US$928.57 | US$1,326.19 |
| 40 | US$1,044.05 | US$1,572.62 |
| 45 | US$1,266.67 | US$1,777.38 |
| 50 | US$1,621.43 | US$1,990.48 |
| 55 | US$2,108.33 | US$2,257.14 |
| 60 | US$2,810.71 | US$2,632.14 |
| 65 | US$3,907.14 | US$3,605.95 |
| 70 | US$5,182.14 | US$4,852.38 |
| 75 | US$5,425 | US$5,078.57 |
| 80 | US$5,425 | US$5,078.57 |
| 85 | US$5,425 | US$5,078.57 |
| 90 | US$5,425 | US$5,078.57 |
| 95 | US$5,425 | US$5,078.57 |
| 100 | US$5,425 | US$5,078.57 |
| 105 | US$5,425 | US$5,078.57 |
| 110 | US$5,425 | US$5,078.57 |
| 115 | US$5,425 | US$5,078.57 |
| 120 | US$5,425 | US$5,078.57 |
| 125 | US$5,425 | US$5,078.57 |
| 127 | US$5,425 | US$5,078.57 |
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.
Other deductible options in this series
8 deductibles — same benefit schedule, premium scales with deductible
Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.
Notes & sources
- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Official premium schedule
- VHIS.gov.hk premium schedule PDF
- Schedule effective date
- Nov 23, 2025
- Plan data updated
- 2026-04-25