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

VHIS Flexi · F00077-07-000-01

''ChampCare'' Medical Insurance Plan - Benefit Level 7 - Worldwide (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)

「逸康保」醫療保障計劃 - 保障級別 7 - 全球 (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$49,876 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

Deductible

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$32,007
1	HK$32,007
2	HK$32,007
3	HK$32,007
4	HK$32,007
5	HK$32,007
6	HK$32,007
7	HK$32,007
8	HK$32,007
9	HK$32,007
10	HK$32,007
11	HK$32,007
12	HK$32,007
13	HK$32,007
14	HK$32,007
15	HK$32,007
16	HK$32,007
17	HK$32,007
18	HK$32,007
19	HK$32,007
20	HK$32,007
21	HK$35,449
22	HK$38,532
23	HK$41,244
24	HK$43,583
25	HK$45,554
26	HK$47,151
27	HK$48,389
28	HK$49,256
29	HK$49,752
30	HK$49,876
31	HK$51,376
32	HK$53,083
33	HK$54,998
34	HK$57,117
35	HK$59,457
36	HK$60,668
37	HK$61,645
38	HK$62,389
39	HK$62,899
40	HK$63,175
41	HK$64,633
42	HK$66,340
43	HK$68,282
44	HK$70,457
45	HK$72,880
46	HK$74,489
47	HK$75,977
48	HK$77,368
49	HK$78,635
50	HK$79,789
51	HK$82,875
52	HK$86,536
53	HK$90,763
54	HK$95,554
55	HK$100,908
56	HK$105,314
57	HK$109,775
58	HK$114,289
59	HK$118,860
60	HK$123,500
61	HK$132,832
62	HK$143,763
63	HK$156,290
64	HK$170,429
65	HK$186,177
66	HK$200,687
67	HK$215,873
68	HK$231,704
69	HK$248,194
70	HK$265,349
71	HK$278,262
72	HK$290,940
73	HK$303,399
74	HK$315,610
75	HK$327,600
76	HK$339,357
77	HK$350,893
78	HK$362,181
79	HK$373,250
80	HK$384,083
81	HK$393,335
82	HK$402,118
83	HK$410,433
84	HK$418,252
85	HK$425,617
86	HK$432,486
87	HK$438,888
88	HK$444,821
89	HK$450,273
90	HK$455,243
91	HK$460,295
92	HK$464,975
93	HK$469,285
94	HK$473,208
95	HK$476,760
96	HK$479,939
97	HK$482,748
98	HK$485,186
99	HK$487,237
100	HK$488,915
101	HK$493,801
102	HK$498,744
103	HK$503,727
104	HK$508,765
105	HK$513,860
106	HK$518,995
107	HK$524,185
108	HK$529,430
109	HK$534,715
110	HK$540,071
111	HK$545,468
112	HK$550,919
113	HK$556,426
114	HK$562,001
115	HK$567,618
116	HK$573,290
117	HK$579,031
118	HK$584,812
119	HK$590,662
120	HK$596,570
121	HK$602,529
122	HK$608,558
123	HK$614,644
124	HK$620,798
125	HK$627,006
126	HK$633,270
127	HK$639,604

Other deductible options in this series

14 deductibles — same benefit schedule, premium scales with deductible

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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.