← Back to ''FlexiCare'' Medical Insurance Plan - Benefit Level series
''FlexiCare'' Medical Insurance Plan - Benefit Level 2 (USD)
「悅康保」醫療保障計劃 - 保障級別2 (美元)
Chow Tai Fook Life Insurance Co Ltd
''FlexiCare'' Medical Insurance Plan - Benefit Level 2 (USD) is a VHIS Flexi plan offered by Chow Tai Fook Life Insurance Co Ltd, with ward class Semi-Private Room and Worldwide (including United States) coverage. Latest plan-document version: Nov 23, 2025.
Your premium
US$1,315.48 /yr
age
US$Plan at a glance
- Ward class
- Semi-Private Room
- Coverage region
- Worldwide (including United States)
- Deductible
- —
- Annual benefit limit
- 不適用
- Per-illness annual limit
- Critical (cancer/AMI/stroke/respiratory/PHEIC)：US$206,455
- Other illnesses：US$103,230
- Lifetime benefit limit
- 不適用
- SMM Supplemental Major Medical
- —
Coverage Tiers & Conditions
This plan applies tiered caps or conditional rules on selected benefits
Per-disability annual limit (by illness category)
- Critical illness (cancer / AMI / stroke / respiratory / PHEIC)US$206,455
- Other illnessesUS$103,230
Specified-procedure list
Listed procedures
- 皮膚或皮下病變組織切除術／冷凍術／電灼術／激光治療
- 關節抽吸術／注射
Non-listed procedures： Full reimbursement (subject to umbrella cap)
PDF Note (6). Cap applies to (b) Miscellaneous + (f)/(g)/(h) surgery rows; non-specified procedures pay 全數受保 under umbrella.
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 | Full reimbursement of Eligible ExpensesR&C |
(b) Miscellaneous charges (b) 雜項開支 | Specified surgery: $1,810 per Disability per Policy Year. Non-specified surgery: Full reimbursement of Eligible Expenses.R&C |
(c) Attending doctor's visit fee (c) 主診醫生巡房費 | Full reimbursement of Eligible ExpensesR&C |
(d) Specialist's fee (d) 專科醫生費 | Full reimbursement of Eligible ExpensesR&C |
(e) Intensive care (e) 深切治療 | Full reimbursement of Eligible ExpensesR&C |
(f) Surgeon's fee (f) 外科醫生費 | Specified surgery: $650 per surgery. Non-specified surgery: Full reimbursement of Eligible Expenses regardless of surgical category.R&C |
(g) Anaesthetist's fee (g) 麻醉科醫生費 | Specified surgery: 35% of Surgeon's fee payable; non-specified surgery: Full reimbursement of Eligible ExpensesR&C |
(h) Operating theatre charges (h) 手術室費 | Specified surgery: 35% of Surgeon's fee payable; non-specified surgery: Full reimbursement of Eligible ExpensesR&C |
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測 | Full reimbursement of Eligible Expenses• When performed during Confinement: subject to 30% Coinsurance• When performed in a facility providing day-patient medical services: subject to 20% CoinsuranceR&C |
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療 | Full reimbursement of Eligible ExpensesR&C |
(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 | USD 170 per visit; up to 1 pre-admission visit; up to 10 post-discharge follow-up visits within 90 days |
(l) Psychiatric treatments (l) 精神科治療 | $32,260 per Disability per Policy Year |
| Extra Benefits | |
Hospital companion bed fee reimbursement 醫院陪床 | Full reimbursement of Eligible ExpensesR&C |
Private nursing fee (during Confinement) 住院私家看護服務 | Full reimbursement of Eligible Expenses• Maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered or graduate nurse per dayR&C |
Home nursing 出院後私家看護 | Full reimbursement of Eligible Expenses• Maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered or graduate nurse per dayR&C |
Chinese Medicine Practitioner outpatient care 住院／門診中醫保障於住院／日間手術期間接受中醫治療及使用之中藥於住院期間主診中醫師巡房費出院／日間手術後的中醫治療 | Full reimbursement of Eligible Expenses• Up to 1 per day, $170 per visit• Up to 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure; and• Sharing the same benefit limit of up to 10 follow-up outpatient visits per Confinement/Day Case Procedure with benefit item (k) of I) Basic BenefitsR&C |
Emergency dental benefit (Accident only) 由意外引起緊急門診牙科治療 | Full reimbursement of Eligible Expenses within 30 days of the AccidentR&C |
Outpatient kidney dialysis 門診腎臟透析 | Full reimbursement of Eligible ExpensesR&C |
Emergency outpatient treatment for Accident 由意外引起緊急門診治療 | Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C |
Complications of pregnancy 妊娠併發症 | Eligible Expenses and/or 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 |
Organ transplant donor benefit 在生器官捐贈者手術費用 | $25,810 per Policy Year |
Hospice and palliative care benefit 善終服務 | $6,455 per Policy Year |
| Cash Benefits | |
Day surgery cash benefit 指定日間手術(13)現金津貼 | $155, per specified Day Case Procedure, 1 time(s) per Policy Year |
Lower ward class cash benefit 於香港的私家醫院入住合資格病房級別以下之病房的現金保障 | $130, per day, maximum 15 days per Disability per Policy Year |
Second-claim cash allowanceAfter other pays 特別現金津貼 | 5% of the indemnity amount paid by any government, other insurer or third party other than the Company, up to $775 per Disability per Policy Year |
Post-donation health supplement cash allowance 器官捐贈後健康補品現金津貼 | $3,875 per Policy Year |
| Event Benefits | |
Compassionate death benefit 恩恤身故賠償 | $3,875 |
Accidental Death benefit 原居地意外身故賠償 | $3,875 |
Accident death benefit — overseas 海外意外身故賠償 | $25,810 |
Additional death benefit for organ donor 器官捐贈者額外身故津貼 | $25,810 |
Medical accident and incident extension benefit 醫療疏忽事故保障 | $25,810 |
Basic Benefits
- (a) Room and board(a) 病房及膳食Full reimbursement of Eligible ExpensesR&C
- (b) Miscellaneous charges(b) 雜項開支Specified surgery: $1,810 per Disability per Policy Year. Non-specified surgery: Full reimbursement of Eligible Expenses.R&C
- (c) Attending doctor's visit fee(c) 主診醫生巡房費Full reimbursement of Eligible ExpensesR&C
- (d) Specialist's fee(d) 專科醫生費Full reimbursement of Eligible ExpensesR&C
- (e) Intensive care(e) 深切治療Full reimbursement of Eligible ExpensesR&C
- (f) Surgeon's fee(f) 外科醫生費Specified surgery: $650 per surgery. Non-specified surgery: Full reimbursement of Eligible Expenses regardless of surgical category.R&C
- (g) Anaesthetist's fee(g) 麻醉科醫生費Specified surgery: 35% of Surgeon's fee payable; non-specified surgery: Full reimbursement of Eligible ExpensesR&C
- (h) Operating theatre charges(h) 手術室費Specified surgery: 35% of Surgeon's fee payable; non-specified surgery: Full reimbursement of Eligible ExpensesR&C
- (i) Prescribed Diagnostic Imaging Tests(i) 訂明診斷成像檢測Full reimbursement of Eligible Expenses• When performed during Confinement: subject to 30% Coinsurance• When performed in a facility providing day-patient medical services: subject to 20% CoinsuranceR&C
- (j) Prescribed Non-surgical Cancer Treatments(j) 訂明非手術癌症治療Full reimbursement of Eligible ExpensesR&C
- (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USD 170 per visit; up to 1 pre-admission visit; up to 10 post-discharge follow-up visits within 90 days
- (l) Psychiatric treatments(l) 精神科治療$32,260 per Disability per Policy Year
Extra Benefits
- Hospital companion bed fee reimbursement醫院陪床Full reimbursement of Eligible ExpensesR&C
- Private nursing fee (during Confinement)住院私家看護服務Full reimbursement of Eligible Expenses• Maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered or graduate nurse per dayR&C
- Home nursing出院後私家看護Full reimbursement of Eligible Expenses• Maximum 30 days per Disability per Policy Year, limited to services provided by 1 registered or graduate nurse per dayR&C
- Chinese Medicine Practitioner outpatient care住院／門診中醫保障於住院／日間手術期間接受中醫治療及使用之中藥於住院期間主診中醫師巡房費出院／日間手術後的中醫治療Full reimbursement of Eligible Expenses• Up to 1 per day, $170 per visit• Up to 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure; and• Sharing the same benefit limit of up to 10 follow-up outpatient visits per Confinement/Day Case Procedure with benefit item (k) of I) Basic BenefitsR&C
- Emergency dental benefit (Accident only)由意外引起緊急門診牙科治療Full reimbursement of Eligible Expenses within 30 days of the AccidentR&C
- Outpatient kidney dialysis門診腎臟透析Full reimbursement of Eligible ExpensesR&C
- Emergency outpatient treatment for Accident由意外引起緊急門診治療Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C
- Complications of pregnancy妊娠併發症Eligible Expenses and/or 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
- Organ transplant donor benefit在生器官捐贈者手術費用$25,810 per Policy Year
- Hospice and palliative care benefit善終服務$6,455 per Policy Year
Cash Benefits
- Day surgery cash benefit指定日間手術(13)現金津貼$155, per specified Day Case Procedure, 1 time(s) per Policy Year
- Lower ward class cash benefit於香港的私家醫院入住合資格病房級別以下之病房的現金保障$130, per day, maximum 15 days per Disability per Policy Year
- Second-claim cash allowanceAfter other pays特別現金津貼5% of the indemnity amount paid by any government, other insurer or third party other than the Company, up to $775 per Disability per Policy Year
- Post-donation health supplement cash allowance器官捐贈後健康補品現金津貼$3,875 per Policy Year
Event Benefits
- Compassionate death benefit恩恤身故賠償$3,875
- Accidental Death benefit原居地意外身故賠償$3,875
- Accident death benefit — overseas海外意外身故賠償$25,810
- Additional death benefit for organ donor器官捐贈者額外身故津貼$25,810
- Medical accident and incident extension benefit醫療疏忽事故保障$25,810
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
- 額外無索償折扣另行計算（見補充文件）
Verbatim clause
補充文件第三部分 (a) 無索償折扣 — 本公司將按下表所述提供無索償折扣：(i) 在第一個保單年度及其後每一個保單年度，提供百分之十六(16%)的保費折扣；(ii) 若於提供折扣的保單年度給付指定保障的賠償，下一保單年度折扣降至百分之八(8%)，隨後保單年度降至百分之零(0%)；(iii) 連續三(3)個保單年度沒有給付指定保障的賠償者，於緊接的保單年度恢復百分之十六(16%)折扣。(b) 額外無索償折扣 — 另詳見保障表。
https://www.vhis.gov.hk/doc/certifiedplan/fp/F00064/F00064-01-000-02-PlanDoc-c.pdf
Premium Schedule
Annual premium · Premium varies by gender (smoking-agnostic) · USD
| Age | Male | Female |
|---|---|---|
| 0 | US$1,539.29 | US$1,192.86 |
| 5 | US$1,072.62 | US$972.62 |
| 10 | US$1,072.62 | US$972.62 |
| 15 | US$1,072.62 | US$972.62 |
| 20 | US$957.14 | US$964.29 |
| 25 | US$1,072.62 | US$1,202.38 |
| 30 | US$1,315.48 | US$1,471.43 |
| 35 | US$1,455.95 | US$1,705.95 |
| 40 | US$1,627.38 | US$2,011.9 |
| 45 | US$1,976.19 | US$2,298.81 |
| 50 | US$2,544.05 | US$2,719.05 |
| 55 | US$3,010.71 | US$3,103.57 |
| 60 | US$4,050 | US$3,825 |
| 65 | US$5,728.57 | US$5,208.33 |
| 70 | US$7,797.62 | US$6,884.52 |
| 75 | US$10,017.86 | US$8,689.29 |
| 80 | US$11,654.76 | US$10,405.95 |
| 85 | US$14,529.76 | US$11,932.14 |
| 90 | US$17,575 | US$13,748.81 |
| 95 | US$19,700 | US$15,419.05 |
| 100 | US$24,075 | US$19,234.52 |
| 105 | US$24,075 | US$19,234.52 |
| 110 | US$24,075 | US$19,234.52 |
| 115 | US$24,075 | US$19,234.52 |
| 120 | US$24,075 | US$19,234.52 |
| 125 | US$24,075 | US$19,234.52 |
| 127 | US$24,075 | US$19,234.52 |
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
4 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