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

VHIS Flexi · F00077-03-000-01

''ChampCare'' Medical Insurance Plan - Benefit Level 3 - Asia (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)

「逸康保」醫療保障計劃 - 保障級別 3 - 亞洲 (自付費0港元 + 保障分擔額0港元)

Chow Tai Fook Life Insurance Co Ltd

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Your premium

HK$15,530 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

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$10,415
1	HK$10,415
2	HK$10,415
3	HK$10,415
4	HK$10,415
5	HK$10,415
6	HK$10,415
7	HK$10,415
8	HK$10,415
9	HK$10,415
10	HK$10,415
11	HK$10,415
12	HK$10,415
13	HK$10,415
14	HK$10,415
15	HK$10,415
16	HK$10,415
17	HK$10,415
18	HK$10,415
19	HK$10,415
20	HK$10,415
21	HK$10,590
22	HK$10,844
23	HK$11,164
24	HK$11,567
25	HK$12,035
26	HK$12,585
27	HK$13,213
28	HK$13,908
29	HK$14,686
30	HK$15,530
31	HK$16,065
32	HK$16,548
33	HK$16,975
34	HK$17,351
35	HK$17,671
36	HK$17,738
37	HK$17,819
38	HK$17,887
39	HK$17,967
40	HK$18,032
41	HK$18,636
42	HK$19,412
43	HK$20,363
44	HK$21,487
45	HK$22,800
46	HK$23,482
47	HK$24,083
48	HK$24,593
49	HK$25,020
50	HK$25,355
51	HK$26,119
52	HK$26,962
53	HK$27,886
54	HK$28,904
55	HK$30,002
56	HK$31,527
57	HK$33,255
58	HK$35,183
59	HK$37,311
60	HK$39,642
61	HK$43,430
62	HK$47,833
63	HK$52,854
64	HK$58,504
65	HK$64,769
66	HK$68,718
67	HK$72,307
68	HK$75,532
69	HK$78,398
70	HK$80,901
71	HK$85,160
72	HK$89,429
73	HK$93,726
74	HK$98,050
75	HK$102,400
76	HK$106,765
77	HK$111,157
78	HK$115,561
79	HK$120,006
80	HK$124,463
81	HK$128,012
82	HK$131,425
83	HK$134,679
84	HK$137,798
85	HK$140,756
86	HK$143,582
87	HK$146,245
88	HK$148,776
89	HK$151,160
90	HK$153,395
91	HK$155,885
92	HK$158,307
93	HK$160,650
94	HK$162,913
95	HK$165,110
96	HK$167,237
97	HK$169,286
98	HK$171,267
99	HK$173,168
100	HK$175,002
101	HK$176,757
102	HK$178,524
103	HK$180,304
104	HK$182,112
105	HK$183,931
106	HK$185,767
107	HK$187,626
108	HK$189,500
109	HK$191,401
110	HK$193,317
111	HK$195,244
112	HK$197,199
113	HK$199,167
114	HK$201,162
115	HK$203,170
116	HK$205,205
117	HK$207,254
118	HK$209,327
119	HK$211,417
120	HK$213,531
121	HK$215,674
122	HK$217,829
123	HK$220,011
124	HK$222,207
125	HK$224,429
126	HK$226,677
127	HK$228,940

Other deductible options in this series

14 deductibles — same benefit schedule, premium scales with deductible

HK$0

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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.