← Back to ''FlexiCare'' Medical Insurance Plan - Benefit Level series
VHIS Flexi · F00064-03-000-02
''FlexiCare'' Medical Insurance Plan - Benefit Level 1 (USD)
「悅康保」醫療保障計劃 - 保障級別1 (美元)
Your premium
US$904 /yr
age
US$Ward class
Ward
Coverage region
Worldwide
Deductible
—
Annual benefit limit
不適用
Per-illness annual limit
US$77,420
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: $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 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 | USD 120 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 | $25,810 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, $120 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 | $12,905 per Policy Year |
Hospice and palliative care benefit 善終服務 | $3,875 per Policy Year |
| Cash Benefits | |
Day surgery cash benefit 指定日間手術(13)現金津貼 | $105, 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 $390 per Disability 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 | |
Compassionate death benefit 恩恤身故賠償 | $2,585 |
Accidental Death benefit 原居地意外身故賠償 | $2,585 |
Accident death benefit — overseas 海外意外身故賠償 | $12,905 |
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 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USD 120 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$25,810 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, $120 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$12,905 per Policy Year
- Hospice and palliative care benefit善終服務$3,875 per Policy Year
Cash Benefits
- Day surgery cash benefit指定日間手術(13)現金津貼$105, 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 $390 per Disability 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
- Compassionate death benefit恩恤身故賠償$2,585
- Accidental Death benefit原居地意外身故賠償$2,585
- Accident death benefit — overseas海外意外身故賠償$12,905
- 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
Premium Schedule
Annual premium · Premium varies by gender (smoking-agnostic) · USD
Other deductible options in this series
4 deductibles — same benefit schedule, premium scales with deductible
- 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.