← Back to ''ChampCare'' Medical Insurance Plan - Benefit Level series
VHIS Flexi · F00077-11-000-01
''ChampCare'' Medical Insurance Plan - Benefit Level 4 - Worldwide excluding USA (USD 2,320 Deductible + USD 2,320 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2,320美元 + 保障分擔額2,320美元)
Your premium
US$1,368 /yr
age
US$Ward class
Standard Private Room
Coverage region
Worldwide (excluding United States)
Deductible
US$2,320
Annual benefit limit
US$3,870,970
Per-illness annual limit
—
Lifetime benefit limit
US$15,483,880
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 | $3,875 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 | $130 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.
• $3,875 per Policy Year |
Chinese Medicine Practitioner outpatient care 出院／日間手術後的中醫治療 | $170 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 | $1,550 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 | $51,615 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: $19,355 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 $155 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 $155 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 | $1,295 |
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$3,875 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$130 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. • $3,875 per Policy Year
- Chinese Medicine Practitioner outpatient care出院／日間手術後的中醫治療$170 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$1,550 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$51,615 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: $19,355 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 $155 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 $155 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$1,295
Premium Schedule
Annual premium · Single rate (gender / smoking agnostic) · USD
Other deductible options in this series
14 deductibles — same benefit schedule, premium scales with deductible
- 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.