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

VHIS Flexi · F00077-04-000-01

''ChampCare'' Medical Insurance Plan - Benefit Level 4 - Worldwide excluding USA (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)

「逸康保」醫療保障計劃 - 保障級別 4 - 全球(不包括美國) (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$10,600 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$18,000

Annual benefit limit

HK$30,000,000

Per-illness annual limit

—

Lifetime benefit limit

HK$120,000,000

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	$1,000 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	$1,300 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	$12,000 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	$400,000 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 $1,200 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 $1,200 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
$1,000 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
$1,300 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
$12,000 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
$400,000 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 $1,200 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 $1,200 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$6,815
1	HK$6,815
2	HK$6,815
3	HK$6,815
4	HK$6,815
5	HK$6,815
6	HK$6,815
7	HK$6,815
8	HK$6,815
9	HK$6,815
10	HK$6,815
11	HK$6,815
12	HK$6,815
13	HK$6,815
14	HK$6,815
15	HK$6,815
16	HK$6,815
17	HK$6,815
18	HK$6,815
19	HK$6,815
20	HK$6,815
21	HK$7,200
22	HK$7,586
23	HK$7,970
24	HK$8,342
25	HK$8,729
26	HK$9,100
27	HK$9,485
28	HK$9,856
29	HK$10,229
30	HK$10,600
31	HK$10,917
32	HK$11,193
33	HK$11,468
34	HK$11,715
35	HK$11,936
36	HK$12,114
37	HK$12,280
38	HK$12,404
39	HK$12,513
40	HK$12,583
41	HK$13,064
42	HK$13,670
43	HK$14,399
44	HK$15,239
45	HK$16,202
46	HK$16,754
47	HK$17,236
48	HK$17,663
49	HK$18,033
50	HK$18,351
51	HK$18,874
52	HK$19,424
53	HK$20,017
54	HK$20,636
55	HK$21,283
56	HK$22,646
57	HK$24,271
58	HK$26,143
59	HK$28,277
60	HK$30,671
61	HK$33,301
62	HK$36,164
63	HK$39,289
64	HK$42,648
65	HK$46,269
66	HK$48,967
67	HK$51,514
68	HK$53,923
69	HK$56,195
70	HK$58,327
71	HK$61,468
72	HK$64,674
73	HK$67,938
74	HK$71,282
75	HK$74,696
76	HK$78,165
77	HK$81,705
78	HK$85,325
79	HK$89,000
80	HK$92,744
81	HK$95,306
82	HK$97,714
83	HK$99,958
84	HK$102,051
85	HK$103,979
86	HK$105,740
87	HK$107,350
88	HK$108,796
89	HK$110,089
90	HK$111,219
91	HK$112,899
92	HK$114,537
93	HK$116,161
94	HK$117,745
95	HK$119,286
96	HK$120,814
97	HK$122,301
98	HK$123,761
99	HK$125,193
100	HK$126,583
101	HK$127,849
102	HK$129,129
103	HK$130,424
104	HK$131,718
105	HK$133,039
106	HK$134,375
107	HK$135,710
108	HK$137,073
109	HK$138,435
110	HK$139,825
111	HK$141,230
112	HK$142,635
113	HK$144,067
114	HK$145,498
115	HK$146,957
116	HK$148,431
117	HK$149,917
118	HK$151,418
119	HK$152,932
120	HK$154,460
121	HK$156,002
122	HK$157,558
123	HK$159,140
124	HK$160,724
125	HK$162,335
126	HK$163,958
127	HK$165,595

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.