''FlexiCare'' Medical Insurance Plan - Benefit Level 2 (HKD)

「悅康保」醫療保障計劃 - 保障級別2 (港元)

Chow Tai Fook Life Insurance Co Ltd

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Your premium

HK$10,190 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

不適用

Per-illness annual limit

HK$800,000

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 1,300 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	$250,000 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, $1,300 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	$200,000 per Policy Year
Hospice and palliative care benefit 善終服務	$50,000 per Policy Year
Cash Benefits
Day surgery cash benefit 指定日間手術(13)現金津貼	$1,200, 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	$1,000, 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 $6,000 per Disability per Policy Year
Post-donation health supplement cash allowance 器官捐贈後健康補品現金津貼	$30,000 per Policy Year
Event Benefits
Compassionate death benefit 恩恤身故賠償	$30,000
Accidental Death benefit 原居地意外身故賠償	$30,000
Accident death benefit — overseas 海外意外身故賠償	$200,000
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
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 1,300 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
$250,000 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, $1,300 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
$200,000 per Policy Year
Hospice and palliative care benefit
善終服務
$50,000 per Policy Year

Cash Benefits

Day surgery cash benefit
指定日間手術(13)現金津貼
$1,200, 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
$1,000, 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 $6,000 per Disability per Policy Year
Post-donation health supplement cash allowance
器官捐贈後健康補品現金津貼
$30,000 per Policy Year

Event Benefits

Compassionate death benefit
恩恤身故賠償
$30,000
Accidental Death benefit
原居地意外身故賠償
$30,000
Accident death benefit — overseas
海外意外身故賠償
$200,000
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$11,929	HK$9,240
1	HK$11,929	HK$9,240
2	HK$11,929	HK$9,240
3	HK$11,929	HK$9,240
4	HK$11,929	HK$9,240
5	HK$8,310	HK$7,533
6	HK$8,310	HK$7,533
7	HK$8,310	HK$7,533
8	HK$8,310	HK$7,533
9	HK$8,310	HK$7,533
10	HK$8,310	HK$7,533
11	HK$8,310	HK$7,533
12	HK$8,310	HK$7,533
13	HK$8,310	HK$7,533
14	HK$8,310	HK$7,533
15	HK$8,310	HK$7,533
16	HK$8,310	HK$7,533
17	HK$8,310	HK$7,533
18	HK$8,310	HK$7,533
19	HK$7,340	HK$7,046
20	HK$7,421	HK$7,476
21	HK$7,551	HK$7,825
22	HK$7,727	HK$8,182
23	HK$7,898	HK$8,551
24	HK$8,067	HK$8,930
25	HK$8,315	HK$9,317
26	HK$8,619	HK$9,713
27	HK$8,936	HK$10,121
28	HK$9,273	HK$10,538
29	HK$9,629	HK$10,967
30	HK$10,190	HK$11,401
31	HK$10,410	HK$11,786
32	HK$10,629	HK$12,162
33	HK$10,849	HK$12,524
34	HK$11,069	HK$12,877
35	HK$11,286	HK$13,220
36	HK$11,554	HK$13,648
37	HK$11,818	HK$14,100
38	HK$12,083	HK$14,577
39	HK$12,348	HK$15,074
40	HK$12,615	HK$15,596
41	HK$13,156	HK$16,074
42	HK$13,696	HK$16,536
43	HK$14,237	HK$16,977
44	HK$14,776	HK$17,405
45	HK$15,319	HK$17,812
46	HK$16,199	HK$18,367
47	HK$17,079	HK$18,970
48	HK$17,957	HK$19,621
49	HK$18,837	HK$20,320
50	HK$19,717	HK$21,070
51	HK$20,440	HK$21,692
52	HK$21,162	HK$22,300
53	HK$21,886	HK$22,895
54	HK$22,610	HK$23,482
55	HK$23,331	HK$24,056
56	HK$24,942	HK$24,946
57	HK$26,552	HK$25,954
58	HK$28,167	HK$27,070
59	HK$29,777	HK$28,300
60	HK$31,387	HK$29,640
61	HK$33,989	HK$31,111
62	HK$36,593	HK$32,817
63	HK$39,195	HK$35,287
64	HK$41,798	HK$37,943
65	HK$44,400	HK$40,365
66	HK$47,607	HK$42,962
67	HK$50,814	HK$45,561
68	HK$54,018	HK$48,156
69	HK$57,226	HK$50,756
70	HK$60,431	HK$53,355
71	HK$63,874	HK$56,151
72	HK$67,317	HK$58,948
73	HK$70,760	HK$61,744
74	HK$74,200	HK$64,540
75	HK$77,643	HK$67,338
76	HK$80,179	HK$69,996
77	HK$82,713	HK$72,658
78	HK$85,248	HK$75,318
79	HK$87,785	HK$77,981
80	HK$90,320	HK$80,642
81	HK$95,504	HK$82,526
82	HK$100,179	HK$84,256
83	HK$105,060	HK$85,963
84	HK$108,513	HK$89,881
85	HK$112,606	HK$92,477
86	HK$116,832	HK$95,144
87	HK$121,629	HK$97,921
88	HK$126,649	HK$100,805
89	HK$131,556	HK$103,817
90	HK$136,204	HK$106,554
91	HK$139,049	HK$109,014
92	HK$142,715	HK$111,483
93	HK$145,669	HK$114,026
94	HK$149,027	HK$116,618
95	HK$152,679	HK$119,501
96	HK$159,458	HK$125,415
97	HK$166,240	HK$131,330
98	HK$173,019	HK$137,244
99	HK$179,801	HK$143,157
100	HK$186,582	HK$149,071
101	HK$186,582	HK$149,071
102	HK$186,582	HK$149,071
103	HK$186,582	HK$149,071
104	HK$186,582	HK$149,071
105	HK$186,582	HK$149,071
106	HK$186,582	HK$149,071
107	HK$186,582	HK$149,071
108	HK$186,582	HK$149,071
109	HK$186,582	HK$149,071
110	HK$186,582	HK$149,071
111	HK$186,582	HK$149,071
112	HK$186,582	HK$149,071
113	HK$186,582	HK$149,071
114	HK$186,582	HK$149,071
115	HK$186,582	HK$149,071
116	HK$186,582	HK$149,071
117	HK$186,582	HK$149,071
118	HK$186,582	HK$149,071
119	HK$186,582	HK$149,071
120	HK$186,582	HK$149,071
121	HK$186,582	HK$149,071
122	HK$186,582	HK$149,071
123	HK$186,582	HK$149,071
124	HK$186,582	HK$149,071
125	HK$186,582	HK$149,071
126	HK$186,582	HK$149,071
127	HK$186,582	HK$149,071

Other deductible options in this series

4 deductibles — same benefit schedule, premium scales with deductible

1 (HKD)

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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.