''FlexiCare'' Medical Insurance Plan - Benefit Level 1 (HKD)

「悅康保」醫療保障計劃 - 保障級別1 (港元)

Chow Tai Fook Life Insurance Co Ltd

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Your premium

HK$7,007 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

不適用

Per-illness annual limit

HK$600,000

Lifetime benefit limit

不適用

SMM Supplemental Major Medical

—

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: $14,000 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: $5,000 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 ExpensesWhen performed during Confinement: subject to 30% CoinsuranceWhen 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	HKD 900 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	$200,000 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
Daily post-surgery home nursing benefit 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 ExpensesUp to 1 per day, $900 per visitUp to 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure; andSharing 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	$100,000 per Policy Year
Hospice and palliative care benefit 善終服務	$30,000 per Policy Year
Cash Benefits
Day surgery cash benefit 指定日間手術(13)現金津貼	$800, 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	Not applicable
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 $3,000 per Disability 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
Compassionate death benefit 恩恤身故賠償	$20,000
Accidental Death benefit 原居地意外身故賠償	$20,000
Accident death benefit — overseas 海外意外身故賠償	$100,000
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
Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges
(b) 雜項開支
Specified surgery: $14,000 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: $5,000 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 ExpensesWhen performed during Confinement: subject to 30% CoinsuranceWhen 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
HKD 900 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
$200,000 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
Daily post-surgery home nursing benefit
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 ExpensesUp to 1 per day, $900 per visitUp to 10 follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure; andSharing 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
$100,000 per Policy Year
Hospice and palliative care benefit
善終服務
$30,000 per Policy Year

Cash Benefits

Day surgery cash benefit
指定日間手術(13)現金津貼
$800, 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
Not applicable
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 $3,000 per Disability 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

Compassionate death benefit
恩恤身故賠償
$20,000
Accidental Death benefit
原居地意外身故賠償
$20,000
Accident death benefit — overseas
海外意外身故賠償
$100,000
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

Premium Schedule

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

Age	Male	Female
0	HK$8,455	HK$6,812
1	HK$8,455	HK$6,812
2	HK$8,455	HK$6,812
3	HK$8,455	HK$6,812
4	HK$8,455	HK$6,812
5	HK$6,738	HK$6,262
6	HK$6,738	HK$6,262
7	HK$6,738	HK$6,262
8	HK$6,738	HK$6,262
9	HK$6,738	HK$6,262
10	HK$6,738	HK$6,262
11	HK$6,738	HK$6,262
12	HK$6,738	HK$6,262
13	HK$6,738	HK$6,262
14	HK$6,738	HK$6,262
15	HK$6,738	HK$6,262
16	HK$6,738	HK$6,262
17	HK$6,738	HK$6,262
18	HK$6,738	HK$6,262
19	HK$5,213	HK$6,005
20	HK$5,385	HK$6,070
21	HK$5,483	HK$6,332
22	HK$5,574	HK$6,596
23	HK$5,657	HK$6,860
24	HK$5,727	HK$7,124
25	HK$5,789	HK$7,388
26	HK$5,937	HK$7,751
27	HK$6,167	HK$8,118
28	HK$6,468	HK$8,482
29	HK$6,770	HK$8,849
30	HK$7,007	HK$9,212
31	HK$7,175	HK$9,482
32	HK$7,344	HK$9,788
33	HK$7,514	HK$10,073
34	HK$7,683	HK$10,208
35	HK$7,850	HK$10,542
36	HK$7,964	HK$10,908
37	HK$8,074	HK$11,282
38	HK$8,187	HK$11,663
39	HK$8,298	HK$12,050
40	HK$8,412	HK$12,217
41	HK$8,704	HK$12,398
42	HK$9,032	HK$12,651
43	HK$9,396	HK$12,968
44	HK$9,798	HK$13,275
45	HK$10,239	HK$13,700
46	HK$10,732	HK$14,164
47	HK$11,268	HK$14,638
48	HK$11,848	HK$15,123
49	HK$12,468	HK$15,471
50	HK$13,135	HK$15,825
51	HK$13,833	HK$16,213
52	HK$14,575	HK$16,615
53	HK$15,355	HK$17,030
54	HK$16,173	HK$17,458
55	HK$17,033	HK$17,901
56	HK$18,021	HK$18,415
57	HK$19,077	HK$18,967
58	HK$20,202	HK$19,549
59	HK$21,400	HK$20,169
60	HK$22,661	HK$20,818
61	HK$24,196	HK$22,043
62	HK$25,845	HK$23,450
63	HK$27,613	HK$25,042
64	HK$29,500	HK$26,829
65	HK$31,708	HK$28,667
66	HK$34,037	HK$30,443
67	HK$36,535	HK$32,292
68	HK$39,185	HK$34,196
69	HK$41,983	HK$36,148
70	HK$45,210	HK$38,110
71	HK$48,638	HK$40,021
72	HK$52,226	HK$41,879
73	HK$55,823	HK$43,649
74	HK$59,395	HK$45,357
75	HK$61,771	HK$47,120
76	HK$63,644	HK$48,860
77	HK$66,067	HK$50,602
78	HK$68,524	HK$52,451
79	HK$71,049	HK$54,389
80	HK$74,742	HK$57,137
81	HK$78,575	HK$59,831
82	HK$82,610	HK$62,692
83	HK$86,758	HK$65,470
84	HK$91,089	HK$67,576
85	HK$94,260	HK$69,407
86	HK$97,737	HK$71,421
87	HK$101,293	HK$73,524
88	HK$104,949	HK$75,712
89	HK$108,704	HK$77,998
90	HK$113,510	HK$81,086
91	HK$118,271	HK$84,152
92	HK$123,271	HK$87,288
93	HK$128,461	HK$90,557
94	HK$133,879	HK$93,936
95	HK$136,739	HK$96,414
96	HK$142,939	HK$100,638
97	HK$149,139	HK$104,864
98	HK$155,339	HK$109,088
99	HK$161,538	HK$113,313
100	HK$167,738	HK$117,537
101	HK$167,738	HK$117,537
102	HK$167,738	HK$117,537
103	HK$167,738	HK$117,537
104	HK$167,738	HK$117,537
105	HK$167,738	HK$117,537
106	HK$167,738	HK$117,537
107	HK$167,738	HK$117,537
108	HK$167,738	HK$117,537
109	HK$167,738	HK$117,537
110	HK$167,738	HK$117,537
111	HK$167,738	HK$117,537
112	HK$167,738	HK$117,537
113	HK$167,738	HK$117,537
114	HK$167,738	HK$117,537
115	HK$167,738	HK$117,537
116	HK$167,738	HK$117,537
117	HK$167,738	HK$117,537
118	HK$167,738	HK$117,537
119	HK$167,738	HK$117,537
120	HK$167,738	HK$117,537
121	HK$167,738	HK$117,537
122	HK$167,738	HK$117,537
123	HK$167,738	HK$117,537
124	HK$167,738	HK$117,537
125	HK$167,738	HK$117,537
126	HK$167,738	HK$117,537
127	HK$167,738	HK$117,537

Other deductible options in this series

4 deductibles — same benefit schedule, premium scales with deductible

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2 (HKD)

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1 (USD)

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2 (USD)

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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.