← Back to ''ChampCare'' Medical Insurance Plan - Benefit Level series

VHIS Flexi · F00077-02-000-01

''ChampCare'' Medical Insurance Plan - Benefit Level 2 - Asia (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)

「逸康保」醫療保障計劃 - 保障級別 2 - 亞洲 (自付費18,000港元 + 保障分擔額18,000港元)

Chow Tai Fook Life Insurance Co Ltd

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Your premium

HK$5,998 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$18,000

Annual benefit limit

HK$25,000,000

Per-illness annual limit

—

Lifetime benefit limit

HK$100,000,000

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 Expenses (subject to Deductible and Coinsurance, if applicable)R&C
(b) Miscellaneous charges (b) 雜項開支	Full reimbursement of Eligible Expenses (subject to (a) the benefit limit under additional benefit (II)(h); and (b) Deductible and Coinsurance, if applicable)R&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)R&C
(d) Specialist's fee (d) 專科醫生費	Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)R&C
(e) Intensive care (e) 深切治療	Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)R&C
(f) Surgeon's fee (f) 外科醫生費	Full reimbursement of Eligible Expenses regardless of surgical category (subject to Deductible and Coinsurance, if applicable)R&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges (h) 手術室費	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 (subject to Deductible and Coinsurance, if applicable)R&C
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)R&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	Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable). The specified consultations exclude physiotherapy, chiropractic treatment, occupational therapy and speech therapy:1 outpatient visit(s) or Emergency consultation(s) more than 30 days before Confinement/Day Case ProcedureAll outpatient visits or Emergency consultations within 30 days before Confinement/Day Case ProcedureAll follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case ProcedureAll follow-up outpatient visits within 180 days after discharge from Hospital following surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during ConfinementR&C
(l) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)
Extra Benefits
Hospital companion bed fee reimbursement 醫院陪床	Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)R&C
Daily post-surgery home nursing benefit 出院後私家看護	Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) • Maximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within the post-discharge window)R&C
Chinese Medicine Practitioner inpatient services 住院／門診中醫保障於住院期間的中醫服務	$800 per day (subject to Deductible and Coinsurance, if applicable). Cost of attending Chinese medicine practitioner's ward visits, acupuncture treatments and/or prescribed Chinese medicine. • $30,000 per Policy Year
Chinese Medicine Practitioner outpatient care 出院／日間手術後的中醫治療	$600 per visit (subject to Deductible and Coinsurance, if applicable)Up to 1 per dayUp to 15 follow-up outpatient visits within the post-discharge window after Confinement or Day Case Procedure
Post-Confinement / Day Case Procedure auxiliary therapy 出院／日間手術後的門診輔助保障	$6,000 per Policy Year (subject to Deductible and Coinsurance, if applicable) • Up to 1 per day (within the post-discharge window after Confinement or Day Case Procedure, payable only when the maximum number of visits under benefit item (k) of I) Basic Benefits is exhausted)
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) and (k) of I) Basic Benefits and (a) – (c) of II) Additional Benefits
Outpatient kidney dialysis 門診腎臟透析	Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)R&C
Reconstructive surgery for specified conditions 指定重建手術保障	$250,000 per Policy Year (subject to Deductible and Coinsurance, if applicable). Eligible Expenses for the relevant surgeries are payable under benefit items (a) – (i) and (k) of I) Basic Benefits.
Medical implants / prosthetic devices 醫療裝置	Specified items: Full reimbursement of Eligible Expenses; non-specified items: $150,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)R&C
Emergency outpatient treatment for Accident 由意外引起緊急門診治療	Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 24 hours of the AccidentR&C
Emergency dental benefit (Accident only) 由意外引起緊急門診牙科治療	Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 30 days of the AccidentR&C
Outpatient care for special learning needs 於香港就涵蓋的特殊學習需要狀況(11)接受的門診護理保障	Up to $1,000 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
Outpatient psychiatric care 於香港就涵蓋的精神疾病(12)接受的門診護理保障	Up to $1,000 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year
Event Benefits
Compassionate death benefit 恩恤身故賠償	$10,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)R&C
(b) Miscellaneous charges
(b) 雜項開支
Full reimbursement of Eligible Expenses (subject to (a) the benefit limit under additional benefit (II)(h); and (b) Deductible and Coinsurance, if applicable)R&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)R&C
(d) Specialist's fee
(d) 專科醫生費
Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)R&C
(e) Intensive care
(e) 深切治療
Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)R&C
(f) Surgeon's fee
(f) 外科醫生費
Full reimbursement of Eligible Expenses regardless of surgical category (subject to Deductible and Coinsurance, if applicable)R&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges
(h) 手術室費
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 (subject to Deductible and Coinsurance, if applicable)R&C
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)R&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
Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable). The specified consultations exclude physiotherapy, chiropractic treatment, occupational therapy and speech therapy:1 outpatient visit(s) or Emergency consultation(s) more than 30 days before Confinement/Day Case ProcedureAll outpatient visits or Emergency consultations within 30 days before Confinement/Day Case ProcedureAll follow-up outpatient visits within 120 days after discharge from Hospital or completion of Day Case ProcedureAll follow-up outpatient visits within 180 days after discharge from Hospital following surgeries categorised as Major or Complex in the Schedule of Surgical Procedures performed during ConfinementR&C
(l) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)

Extra Benefits

Hospital companion bed fee reimbursement
醫院陪床
Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)R&C
Daily post-surgery home nursing benefit
出院後私家看護
Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) • Maximum 120 days per Policy Year, limited to services provided by 1 registered or graduate nurse per day (within the post-discharge window)R&C
Chinese Medicine Practitioner inpatient services
住院／門診中醫保障於住院期間的中醫服務
$800 per day (subject to Deductible and Coinsurance, if applicable). Cost of attending Chinese medicine practitioner's ward visits, acupuncture treatments and/or prescribed Chinese medicine. • $30,000 per Policy Year
Chinese Medicine Practitioner outpatient care
出院／日間手術後的中醫治療
$600 per visit (subject to Deductible and Coinsurance, if applicable)Up to 1 per dayUp to 15 follow-up outpatient visits within the post-discharge window after Confinement or Day Case Procedure
Post-Confinement / Day Case Procedure auxiliary therapy
出院／日間手術後的門診輔助保障
$6,000 per Policy Year (subject to Deductible and Coinsurance, if applicable) • Up to 1 per day (within the post-discharge window after Confinement or Day Case Procedure, payable only when the maximum number of visits under benefit item (k) of I) Basic Benefits is exhausted)
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) and (k) of I) Basic Benefits and (a) – (c) of II) Additional Benefits
Outpatient kidney dialysis
門診腎臟透析
Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable)R&C
Reconstructive surgery for specified conditions
指定重建手術保障
$250,000 per Policy Year (subject to Deductible and Coinsurance, if applicable). Eligible Expenses for the relevant surgeries are payable under benefit items (a) – (i) and (k) of I) Basic Benefits.
Medical implants / prosthetic devices
醫療裝置
Specified items: Full reimbursement of Eligible Expenses; non-specified items: $150,000 per Policy Year (subject to Deductible and Coinsurance, if applicable)R&C
Emergency outpatient treatment for Accident
由意外引起緊急門診治療
Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 24 hours of the AccidentR&C
Emergency dental benefit (Accident only)
由意外引起緊急門診牙科治療
Full reimbursement of Eligible Expenses (subject to Deductible and Coinsurance, if applicable) within 30 days of the AccidentR&C
Outpatient care for special learning needs
於香港就涵蓋的特殊學習需要狀況(11)接受的門診護理保障
Up to $1,000 per outpatient consultation, maximum 5 outpatient consultations per Policy Year
Outpatient psychiatric care
於香港就涵蓋的精神疾病(12)接受的門診護理保障
Up to $1,000 per outpatient consultation, maximum 5 psychologist or psychiatric specialist outpatient consultations per Policy Year

Event Benefits

Compassionate death benefit
恩恤身故賠償
$10,000

Premium Schedule

Annual premium · Single rate (gender / smoking agnostic) · HKD

Age	Premium
0	HK$4,015
1	HK$4,015
2	HK$4,015
3	HK$4,015
4	HK$4,015
5	HK$4,015
6	HK$4,015
7	HK$4,015
8	HK$4,015
9	HK$4,015
10	HK$4,015
11	HK$4,015
12	HK$4,015
13	HK$4,015
14	HK$4,015
15	HK$4,015
16	HK$4,015
17	HK$4,015
18	HK$4,015
19	HK$4,015
20	HK$4,015
21	HK$4,136
22	HK$4,269
23	HK$4,418
24	HK$4,592
25	HK$4,780
26	HK$4,980
27	HK$5,207
28	HK$5,463
29	HK$5,717
30	HK$5,998
31	HK$6,199
32	HK$6,373
33	HK$6,533
34	HK$6,680
35	HK$6,814
36	HK$6,920
37	HK$6,988
38	HK$7,056
39	HK$7,096
40	HK$7,110
41	HK$7,376
42	HK$7,724
43	HK$8,139
44	HK$8,621
45	HK$9,185
46	HK$9,490
47	HK$9,760
48	HK$9,987
49	HK$10,188
50	HK$10,349
51	HK$10,724
52	HK$11,152
53	HK$11,620
54	HK$12,142
55	HK$12,705
56	HK$13,320
57	HK$13,976
58	HK$14,686
59	HK$15,449
60	HK$16,252
61	HK$17,686
62	HK$19,360
63	HK$21,271
64	HK$23,443
65	HK$25,838
66	HK$27,780
67	HK$29,733
68	HK$31,688
69	HK$33,655
70	HK$35,638
71	HK$37,444
72	HK$39,226
73	HK$40,993
74	HK$42,720
75	HK$44,432
76	HK$46,120
77	HK$47,793
78	HK$49,426
79	HK$51,048
80	HK$52,639
81	HK$53,899
82	HK$55,075
83	HK$56,174
84	HK$57,179
85	HK$58,115
86	HK$58,973
87	HK$59,749
88	HK$60,445
89	HK$61,048
90	HK$61,583
91	HK$62,452
92	HK$63,323
93	HK$64,194
94	HK$65,063
95	HK$65,920
96	HK$66,777
97	HK$67,635
98	HK$68,492
99	HK$69,333
100	HK$70,177
101	HK$70,873
102	HK$71,582
103	HK$72,307
104	HK$73,030
105	HK$73,751
106	HK$74,487
107	HK$75,238
108	HK$75,988
109	HK$76,751
110	HK$77,513
111	HK$78,290
112	HK$79,080
113	HK$79,870
114	HK$80,674
115	HK$81,476
116	HK$82,293
117	HK$83,110
118	HK$83,940
119	HK$84,783
120	HK$85,627
121	HK$86,483
122	HK$87,354
123	HK$88,224
124	HK$89,108
125	HK$90,005
126	HK$90,901
127	HK$91,812

Other deductible options in this series

14 deductibles — same benefit schedule, premium scales with deductible

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HK$18K

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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: Jan 10, 2025
Last verified: 2026-04-20

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.