''ChampCare'' Medical Insurance Plan - Benefit Level
「逸康保」醫療保障計劃-保障級別
Chow Tai Fook Life Insurance Co Ltd·14 plan options
''ChampCare'' Medical Insurance Plan - Benefit Level is a VHIS Flexi plan offered by Chow Tai Fook Life Insurance Co Ltd, with ward class Semi-Private Room, Asia incl. AU/NZ coverage and HK$25,000,000 annual benefit limit. Latest plan-document version: Jan 10, 2025.
Plan options
14 options — premiums differ; deductible, ward class or cover may also differPlan option
3 - Asia (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)
Deductible HKD 0 deductible
Entry premium (Age 30 any gender)
HK$15,530 /yr
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Plan option
5 - Worldwide excluding USA (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)
Deductible HKD 0 deductible
Entry premium (Age 30 any gender)
HK$26,418 /yr
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Plan option
7 - Worldwide (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)
Deductible HKD 0 deductible
Entry premium (Age 30 any gender)
HK$49,876 /yr
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Plan option
3 - Asia (USD 0 Deductible + USD 0 Benefit Contribution Amount)
Deductible USD 0 deductible
Entry premium (Age 30 any gender)
US$2,004/yr
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Plan option
5 - Worldwide excluding USA (USD 0 Deductible + USD 0 Benefit Contribution Amount)
Deductible USD 0 deductible
Entry premium (Age 30 any gender)
US$3,408/yr
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Plan option
7 - Worldwide (USD 0 Deductible + USD 0 Benefit Contribution Amount)
Deductible USD 0 deductible
Entry premium (Age 30 any gender)
US$6,436/yr
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Plan option
2 - Asia (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)
Deductible 18,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,998 /yr
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Plan option
4 - Worldwide excluding USA (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)
Deductible 18,000 HKD deductible
Entry premium (Age 30 any gender)
HK$10,600 /yr
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Plan option
6 - Worldwide (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)
Deductible 18,000 HKD deductible
Entry premium (Age 30 any gender)
HK$31,669 /yr
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Plan option
2 - Asia (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)
Deductible 2,320 USD deductible
Entry premium (Age 30 any gender)
US$774/yr
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Plan option
4 - Worldwide excluding USA (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)
Deductible 2,320 USD deductible
Entry premium (Age 30 any gender)
US$1,368/yr
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Plan option
6 - Worldwide (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)
Deductible 2,320 USD deductible
Entry premium (Age 30 any gender)
US$4,087/yr
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Plan option
1 - Asia (HKD 36,000 Deductible + HKD 36,000 Benefit Contribution Amount)
Deductible 36,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,382 /yr
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Plan option
1 - Asia (USD 4,640 Deductible + USD 4,640 Benefit Contribution Amount)
Deductible 4,640 USD deductible
Entry premium (Age 30 any gender)
US$694/yr
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Premiums by age
Yearly premium of every option by age and sex| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| 3 - Asia (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)Deductible HKD 0 deductible | HK$10,415 | HK$10,415 | HK$10,415 | HK$15,530 | HK$18,032 | HK$25,355 | HK$39,642 | HK$80,901 | HK$124,463 |
| 5 - Worldwide excluding USA (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)Deductible HKD 0 deductible | HK$17,511 | HK$17,511 | HK$17,511 | HK$26,418 | HK$31,457 | HK$46,256 | HK$66,574 | HK$150,976 | HK$225,081 |
| 7 - Worldwide (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)Deductible HKD 0 deductible | HK$32,007 | HK$32,007 | HK$32,007 | HK$49,876 | HK$63,175 | HK$79,789 | HK$123,500 | HK$265,349 | HK$384,083 |
| 3 - Asia (USD 0 Deductible + USD 0 Benefit Contribution Amount)Deductible USD 0 deductible | US$1,344 | US$1,344 | US$1,344 | US$2,004 | US$2,326 | US$3,271 | US$5,115 | US$10,439 | US$16,060 |
| 5 - Worldwide excluding USA (USD 0 Deductible + USD 0 Benefit Contribution Amount)Deductible USD 0 deductible | US$2,260 | US$2,260 | US$2,260 | US$3,408 | US$4,060 | US$5,969 | US$8,590 | US$19,481 | US$29,043 |
| 7 - Worldwide (USD 0 Deductible + USD 0 Benefit Contribution Amount)Deductible USD 0 deductible | US$4,130 | US$4,130 | US$4,130 | US$6,436 | US$8,151 | US$10,295 | US$15,936 | US$34,238 | US$49,560 |
| 2 - Asia (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)Deductible 18,000 HKD deductible | HK$4,015 | HK$4,015 | HK$4,015 | HK$5,998 | HK$7,110 | HK$10,349 | HK$16,252 | HK$35,638 | HK$52,639 |
| 4 - Worldwide excluding USA (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)Deductible 18,000 HKD deductible | HK$6,815 | HK$6,815 | HK$6,815 | HK$10,600 | HK$12,583 | HK$18,351 | HK$30,671 | HK$58,327 | HK$92,744 |
| 6 - Worldwide (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)Deductible 18,000 HKD deductible | HK$20,323 | HK$20,323 | HK$20,323 | HK$31,669 | HK$40,112 | HK$50,663 | HK$78,417 | HK$168,483 | HK$243,874 |
| 2 - Asia (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)Deductible 2,320 USD deductible | US$518 | US$518 | US$518 | US$774 | US$918 | US$1,336 | US$2,098 | US$4,599 | US$6,792 |
| 4 - Worldwide excluding USA (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)Deductible 2,320 USD deductible | US$880 | US$880 | US$880 | US$1,368 | US$1,624 | US$2,368 | US$3,957 | US$7,526 | US$11,967 |
| 6 - Worldwide (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)Deductible 2,320 USD deductible | US$2,623 | US$2,623 | US$2,623 | US$4,087 | US$5,176 | US$6,537 | US$10,118 | US$21,739 | US$31,468 |
| 1 - Asia (HKD 36,000 Deductible + HKD 36,000 Benefit Contribution Amount)Deductible 36,000 HKD deductible | HK$3,614 | HK$3,614 | HK$3,614 | HK$5,382 | HK$6,199 | HK$9,318 | HK$14,512 | HK$31,662 | HK$46,455 |
| 1 - Asia (USD 4,640 Deductible + USD 4,640 Benefit Contribution Amount)Deductible 4,640 USD deductible | US$467 | US$467 | US$467 | US$694 | US$800 | US$1,202 | US$1,873 | US$4,086 | US$5,994 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| 3 - Asia (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)Deductible HKD 0 deductible | HK$10,415 | HK$10,415 | HK$10,415 | HK$15,530 | HK$18,032 | HK$25,355 | HK$39,642 | HK$80,901 | HK$124,463 |
| 5 - Worldwide excluding USA (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)Deductible HKD 0 deductible | HK$17,511 | HK$17,511 | HK$17,511 | HK$26,418 | HK$31,457 | HK$46,256 | HK$66,574 | HK$150,976 | HK$225,081 |
| 7 - Worldwide (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)Deductible HKD 0 deductible | HK$32,007 | HK$32,007 | HK$32,007 | HK$49,876 | HK$63,175 | HK$79,789 | HK$123,500 | HK$265,349 | HK$384,083 |
| 3 - Asia (USD 0 Deductible + USD 0 Benefit Contribution Amount)Deductible USD 0 deductible | US$1,344 | US$1,344 | US$1,344 | US$2,004 | US$2,326 | US$3,271 | US$5,115 | US$10,439 | US$16,060 |
| 5 - Worldwide excluding USA (USD 0 Deductible + USD 0 Benefit Contribution Amount)Deductible USD 0 deductible | US$2,260 | US$2,260 | US$2,260 | US$3,408 | US$4,060 | US$5,969 | US$8,590 | US$19,481 | US$29,043 |
| 7 - Worldwide (USD 0 Deductible + USD 0 Benefit Contribution Amount)Deductible USD 0 deductible | US$4,130 | US$4,130 | US$4,130 | US$6,436 | US$8,151 | US$10,295 | US$15,936 | US$34,238 | US$49,560 |
| 2 - Asia (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)Deductible 18,000 HKD deductible | HK$4,015 | HK$4,015 | HK$4,015 | HK$5,998 | HK$7,110 | HK$10,349 | HK$16,252 | HK$35,638 | HK$52,639 |
| 4 - Worldwide excluding USA (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)Deductible 18,000 HKD deductible | HK$6,815 | HK$6,815 | HK$6,815 | HK$10,600 | HK$12,583 | HK$18,351 | HK$30,671 | HK$58,327 | HK$92,744 |
| 6 - Worldwide (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)Deductible 18,000 HKD deductible | HK$20,323 | HK$20,323 | HK$20,323 | HK$31,669 | HK$40,112 | HK$50,663 | HK$78,417 | HK$168,483 | HK$243,874 |
| 2 - Asia (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)Deductible 2,320 USD deductible | US$518 | US$518 | US$518 | US$774 | US$918 | US$1,336 | US$2,098 | US$4,599 | US$6,792 |
| 4 - Worldwide excluding USA (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)Deductible 2,320 USD deductible | US$880 | US$880 | US$880 | US$1,368 | US$1,624 | US$2,368 | US$3,957 | US$7,526 | US$11,967 |
| 6 - Worldwide (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)Deductible 2,320 USD deductible | US$2,623 | US$2,623 | US$2,623 | US$4,087 | US$5,176 | US$6,537 | US$10,118 | US$21,739 | US$31,468 |
| 1 - Asia (HKD 36,000 Deductible + HKD 36,000 Benefit Contribution Amount)Deductible 36,000 HKD deductible | HK$3,614 | HK$3,614 | HK$3,614 | HK$5,382 | HK$6,199 | HK$9,318 | HK$14,512 | HK$31,662 | HK$46,455 |
| 1 - Asia (USD 4,640 Deductible + USD 4,640 Benefit Contribution Amount)Deductible 4,640 USD deductible | US$467 | US$467 | US$467 | US$694 | US$800 | US$1,202 | US$1,873 | US$4,086 | US$5,994 |
Why so many deductible options?
The deductible is a fixed amount the insured must pay out-of-pocket each policy year before the insurer reimburses anything. The insurer only pays the portion above the deductible. A single VHIS-certified plan can offer multiple deductible levels — a higher deductible means a lower premium; a lower deductible means faster payouts but a higher premium. Which level fits depends on your cash buffer, any MPF/employer medical top-up, and whether you intend to stay in a private or semi-private ward.
Deductibles FAQ →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.
- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Jan 10, 2025
- Plan data updated
- 2026-04-20