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

VHIS Flexi · F00077-06-000-01

''ChampCare'' Medical Insurance Plan - Benefit Level 6 - Worldwide (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)

「逸康保」醫療保障計劃 - 保障級別 6 - 全球 (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$31,669 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

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 120 days after discharge from Hospital or completion of 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(10)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(11)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 120 days after discharge from Hospital or completion of 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(10)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(11)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$20,323
1	HK$20,323
2	HK$20,323
3	HK$20,323
4	HK$20,323
5	HK$20,323
6	HK$20,323
7	HK$20,323
8	HK$20,323
9	HK$20,323
10	HK$20,323
11	HK$20,323
12	HK$20,323
13	HK$20,323
14	HK$20,323
15	HK$20,323
16	HK$20,323
17	HK$20,323
18	HK$20,323
19	HK$20,323
20	HK$20,323
21	HK$22,508
22	HK$24,467
23	HK$26,188
24	HK$27,674
25	HK$28,924
26	HK$29,938
27	HK$30,725
28	HK$31,275
29	HK$31,590
30	HK$31,669
31	HK$32,621
32	HK$33,706
33	HK$34,920
34	HK$36,267
35	HK$37,752
36	HK$38,520
37	HK$39,142
38	HK$39,614
39	HK$39,937
40	HK$40,112
41	HK$41,039
42	HK$42,124
43	HK$43,356
44	HK$44,737
45	HK$46,275
46	HK$47,298
47	HK$48,242
48	HK$49,125
49	HK$49,930
50	HK$50,663
51	HK$52,620
52	HK$54,945
53	HK$57,630
54	HK$60,671
55	HK$64,073
56	HK$66,869
57	HK$69,701
58	HK$72,568
59	HK$75,469
60	HK$78,417
61	HK$84,340
62	HK$91,282
63	HK$99,237
64	HK$108,214
65	HK$118,213
66	HK$127,426
67	HK$137,069
68	HK$147,119
69	HK$157,592
70	HK$168,483
71	HK$176,682
72	HK$184,733
73	HK$192,643
74	HK$200,396
75	HK$208,010
76	HK$215,475
77	HK$222,799
78	HK$229,967
79	HK$236,995
80	HK$243,874
81	HK$249,748
82	HK$255,325
83	HK$260,605
84	HK$265,569
85	HK$270,245
86	HK$274,607
87	HK$278,671
88	HK$282,439
89	HK$285,901
90	HK$289,056
91	HK$292,264
92	HK$295,236
93	HK$297,971
94	HK$300,463
95	HK$302,718
96	HK$304,738
97	HK$306,520
98	HK$308,068
99	HK$309,370
100	HK$310,437
101	HK$313,539
102	HK$316,677
103	HK$319,842
104	HK$323,042
105	HK$326,275
106	HK$329,536
107	HK$332,831
108	HK$336,162
109	HK$339,518
110	HK$342,919
111	HK$346,345
112	HK$349,806
113	HK$353,302
114	HK$356,843
115	HK$360,410
116	HK$364,011
117	HK$367,655
118	HK$371,326
119	HK$375,042
120	HK$378,793
121	HK$382,576
122	HK$386,405
123	HK$390,268
124	HK$394,176
125	HK$398,118
126	HK$402,095
127	HK$406,115

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.