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VHIS Flexi · F00037-03-000-03

''TopCare'' Medical Insurance Plan - Benefit Level 3 with SMM (HKD)

「摯康保」醫療保障計劃 - 保障級別 3+超額醫療保障 (港元)

Chow Tai Fook Life Insurance Co Ltd

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Your premium

HK$9,156 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

—

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

HK$180,000

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	$2,300 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$23,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$2,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$9,000 per Policy Year
(e) Intensive care (e) 深切治療	$9,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$10,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$25,000
Surgeon's fee — Major 外科醫生費 — 大型	$50,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$100,000
(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	$30,000 per Policy YearWhen performed during Confinement: subject to 30% CoinsuranceWhen 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	$140,000 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	$1,200, per visit, $8,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp 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	$60,000 per Policy Year
Room and board (i) 病房及膳食	$2,300 per day (Eligible Expenses under basic benefit (a) from the day of Confinement after the day-limit in each Policy Year × reimbursement ratio)
Miscellaneous charges (ii) 雜項開支	Eligible Expenses exceeding the benefit limit under basic benefit (b) Miscellaneous Charges × reimbursement rate
Attending doctor's visit fee (iii) 主診醫生巡房費	$2,000 per day (Eligible Expenses under basic benefit (c) from the day of Confinement after the day-limit in each Policy Year × reimbursement ratio)
Specialist's fee (iv) 專科醫生費	Eligible Expenses exceeding the benefit limit under basic benefit (d) Specialist's fee × reimbursement rate
Intensive care (v) 深切治療	$9,000 per day (Eligible Expenses under basic benefit (e) Intensive Care from the day of Confinement after the day-limit in each Policy Year × reimbursement ratio)
Surgeon's fee (vi) 外科醫生費 (按手術表劃分的手術分類)	Eligible Expenses exceeding the benefit limit under basic benefit (f) Surgeon's fee × reimbursement rate
Anaesthetist's fee (vii) 麻醉科醫生費	Eligible Expenses exceeding the benefit limit under basic benefit (g) Anaesthetist's fee × reimbursement rate
Operating theatre charges (viii) 手術室費	Eligible Expenses exceeding the benefit limit under basic benefit (h) Operating theatre charges × reimbursement rate
Prescribed Diagnostic Imaging Tests (ix) 訂明診斷成像檢測	Eligible Expenses exceeding the benefit limit under basic benefit (i) Prescribed Diagnostic Imaging Tests × reimbursement rate
Extra Benefits
Isolation ward charges benefit 隔離病房	$2,300 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	$1,200 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: $900 per visit, $3,000 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	$140,000 per Benefit Period (i.e. every 6 consecutive Policy Years)
Outpatient kidney dialysis 腎臟透析	$80,000 per Policy Year
Emergency outpatient treatment for Accident 急症門診治療(只限意外) — 急症門診	$20,000 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	$20,000 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	$50,000 per Policy Year
Organ transplant donor benefit 捐贈器官	$200,000 per Policy Year
Cash Benefits
Day surgery cash benefit 日間手術現金津貼	$1,200 per Day Case Procedure, 1 per Policy Year
Hospital transport cash allowance 住院交通現金津貼	$300 per Confinement, maximum 1 Confinements per Policy Year
Lower ward class cash benefit 住院現金津貼	$1,000 per day, maximum 15 days per Policy Year
Second-claim cash allowanceAfter other pays 特別現金津貼	5% of the amount reimbursed by other insurers, $6,000 per Policy Year
Post-donation health supplement cash allowance 器官捐贈後健康補品現金津貼	$30,000 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	$30,000
Additional death benefit for organ donor 器官捐贈者額外身故津貼	$200,000
Medical accident and incident extension benefit 醫療疏忽事故保障	$200,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$2,300 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$23,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$2,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$9,000 per Policy Year
(e) Intensive care
(e) 深切治療
$9,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$10,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$25,000
Surgeon's fee — Major
外科醫生費 — 大型
$50,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$100,000
(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
$30,000 per Policy YearWhen performed during Confinement: subject to 30% CoinsuranceWhen 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
$140,000 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
$1,200, per visit, $8,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp 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
$60,000 per Policy Year
Room and board
(i) 病房及膳食
$2,300 per day (Eligible Expenses under basic benefit (a) from the day of Confinement after the day-limit in each Policy Year × reimbursement ratio)
Miscellaneous charges
(ii) 雜項開支
Eligible Expenses exceeding the benefit limit under basic benefit (b) Miscellaneous Charges × reimbursement rate
Attending doctor's visit fee
(iii) 主診醫生巡房費
$2,000 per day (Eligible Expenses under basic benefit (c) from the day of Confinement after the day-limit in each Policy Year × reimbursement ratio)
Specialist's fee
(iv) 專科醫生費
Eligible Expenses exceeding the benefit limit under basic benefit (d) Specialist's fee × reimbursement rate
Intensive care
(v) 深切治療
$9,000 per day (Eligible Expenses under basic benefit (e) Intensive Care from the day of Confinement after the day-limit in each Policy Year × reimbursement ratio)
Surgeon's fee
(vi) 外科醫生費 (按手術表劃分的手術分類)
Eligible Expenses exceeding the benefit limit under basic benefit (f) Surgeon's fee × reimbursement rate
Anaesthetist's fee
(vii) 麻醉科醫生費
Eligible Expenses exceeding the benefit limit under basic benefit (g) Anaesthetist's fee × reimbursement rate
Operating theatre charges
(viii) 手術室費
Eligible Expenses exceeding the benefit limit under basic benefit (h) Operating theatre charges × reimbursement rate
Prescribed Diagnostic Imaging Tests
(ix) 訂明診斷成像檢測
Eligible Expenses exceeding the benefit limit under basic benefit (i) Prescribed Diagnostic Imaging Tests × reimbursement rate

Extra Benefits

Isolation ward charges benefit
隔離病房
$2,300 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
$1,200 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: $900 per visit, $3,000 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
$140,000 per Benefit Period (i.e. every 6 consecutive Policy Years)
Outpatient kidney dialysis
腎臟透析
$80,000 per Policy Year
Emergency outpatient treatment for Accident
急症門診治療(只限意外) — 急症門診
$20,000 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
$20,000 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
$50,000 per Policy Year
Organ transplant donor benefit
捐贈器官
$200,000 per Policy Year

Cash Benefits

Day surgery cash benefit
日間手術現金津貼
$1,200 per Day Case Procedure, 1 per Policy Year
Hospital transport cash allowance
住院交通現金津貼
$300 per Confinement, maximum 1 Confinements per Policy Year
Lower ward class cash benefit
住院現金津貼
$1,000 per day, maximum 15 days per Policy Year
Second-claim cash allowanceAfter other pays
特別現金津貼
5% of the amount reimbursed by other insurers, $6,000 per Policy Year
Post-donation health supplement cash allowance
器官捐贈後健康補品現金津貼
$30,000 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
$30,000
Additional death benefit for organ donor
器官捐贈者額外身故津貼
$200,000
Medical accident and incident extension benefit
醫療疏忽事故保障
$200,000

Premium Schedule

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

Age	Male	Female
0	HK$12,151	HK$9,596
1	HK$12,151	HK$9,596
2	HK$12,151	HK$9,596
3	HK$12,151	HK$9,596
4	HK$12,151	HK$9,596
5	HK$7,139	HK$6,794
6	HK$7,139	HK$6,794
7	HK$7,139	HK$6,794
8	HK$7,139	HK$6,794
9	HK$7,139	HK$6,794
10	HK$6,419	HK$5,870
11	HK$6,379	HK$5,824
12	HK$6,374	HK$5,824
13	HK$6,402	HK$5,870
14	HK$6,467	HK$5,963
15	HK$6,564	HK$6,102
16	HK$6,690	HK$6,320
17	HK$6,848	HK$6,595
18	HK$7,038	HK$6,927
19	HK$7,258	HK$7,317
20	HK$7,513	HK$7,763
21	HK$7,655	HK$8,087
22	HK$7,795	HK$8,417
23	HK$7,929	HK$8,754
24	HK$8,062	HK$9,093
25	HK$8,187	HK$9,445
26	HK$8,360	HK$9,798
27	HK$8,542	HK$10,158
28	HK$8,735	HK$10,527
29	HK$8,939	HK$10,898
30	HK$9,156	HK$11,276
31	HK$9,376	HK$11,667
32	HK$9,589	HK$12,049
33	HK$9,796	HK$12,423
34	HK$9,994	HK$12,783
35	HK$10,188	HK$13,136
36	HK$10,443	HK$13,577
37	HK$10,713	HK$14,042
38	HK$10,999	HK$14,530
39	HK$11,302	HK$15,040
40	HK$11,623	HK$15,576
41	HK$12,033	HK$15,980
42	HK$12,498	HK$16,368
43	HK$13,004	HK$16,730
44	HK$13,560	HK$17,075
45	HK$14,162	HK$17,398
46	HK$14,861	HK$17,895
47	HK$15,623	HK$18,439
48	HK$16,448	HK$19,024
49	HK$17,336	HK$19,656
50	HK$18,285	HK$20,331
51	HK$19,193	HK$20,899
52	HK$20,118	HK$21,451
53	HK$21,067	HK$21,995
54	HK$22,039	HK$22,526
55	HK$23,032	HK$23,044
56	HK$24,377	HK$23,908
57	HK$25,849	HK$24,885
58	HK$27,455	HK$25,971
59	HK$29,193	HK$27,164
60	HK$31,063	HK$28,467
61	HK$33,008	HK$29,995
62	HK$35,045	HK$31,649
63	HK$37,170	HK$33,427
64	HK$39,389	HK$35,333
65	HK$41,695	HK$37,367
66	HK$43,910	HK$39,421
67	HK$46,151	HK$41,565
68	HK$48,424	HK$43,806
69	HK$50,724	HK$46,143
70	HK$53,051	HK$48,574
71	HK$55,924	HK$51,545
72	HK$55,924	HK$51,545
73	HK$55,924	HK$51,545
74	HK$55,924	HK$51,545
75	HK$55,924	HK$51,545
76	HK$55,924	HK$51,545
77	HK$55,924	HK$51,545
78	HK$55,924	HK$51,545
79	HK$55,924	HK$51,545
80	HK$55,924	HK$51,545
81	HK$55,924	HK$51,545
82	HK$55,924	HK$51,545
83	HK$55,924	HK$51,545
84	HK$55,924	HK$51,545
85	HK$55,924	HK$51,545
86	HK$55,924	HK$51,545
87	HK$55,924	HK$51,545
88	HK$55,924	HK$51,545
89	HK$55,924	HK$51,545
90	HK$55,924	HK$51,545
91	HK$55,924	HK$51,545
92	HK$55,924	HK$51,545
93	HK$55,924	HK$51,545
94	HK$55,924	HK$51,545
95	HK$55,924	HK$51,545
96	HK$55,924	HK$51,545
97	HK$55,924	HK$51,545
98	HK$55,924	HK$51,545
99	HK$55,924	HK$51,545
100	HK$55,924	HK$51,545
101	HK$55,924	HK$51,545
102	HK$55,924	HK$51,545
103	HK$55,924	HK$51,545
104	HK$55,924	HK$51,545
105	HK$55,924	HK$51,545
106	HK$55,924	HK$51,545
107	HK$55,924	HK$51,545
108	HK$55,924	HK$51,545
109	HK$55,924	HK$51,545
110	HK$55,924	HK$51,545
111	HK$55,924	HK$51,545
112	HK$55,924	HK$51,545
113	HK$55,924	HK$51,545
114	HK$55,924	HK$51,545
115	HK$55,924	HK$51,545
116	HK$55,924	HK$51,545
117	HK$55,924	HK$51,545
118	HK$55,924	HK$51,545
119	HK$55,924	HK$51,545
120	HK$55,924	HK$51,545
121	HK$55,924	HK$51,545
122	HK$55,924	HK$51,545
123	HK$55,924	HK$51,545
124	HK$55,924	HK$51,545
125	HK$55,924	HK$51,545
126	HK$55,924	HK$51,545
127	HK$55,924	HK$51,545

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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3 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.