''WiseCare'' Medical Insurance Plan

「卓康保」醫療保障計劃

Chow Tai Fook Life Insurance Co Ltd

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Your premium

HK$2,598 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

Per-illness annual limit

—

Lifetime benefit limit

—

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	$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 per Policy Year
(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	$580, per visit, $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year
Event Benefits
Compassionate death benefit 恩恤身故賠償	$100,000
Medical accident and incident extension benefit 醫療疏忽事故保障	$100,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 per Policy Year
(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
$580, per visit, $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year

Event Benefits

Compassionate death benefit
恩恤身故賠償
$100,000
Medical accident and incident extension benefit
醫療疏忽事故保障
$100,000

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$3,259	HK$2,263
1	HK$3,259	HK$2,263
2	HK$3,259	HK$2,263
3	HK$3,259	HK$2,263
4	HK$3,259	HK$2,263
5	HK$2,018	HK$1,824
6	HK$2,018	HK$1,824
7	HK$2,018	HK$1,824
8	HK$2,018	HK$1,824
9	HK$2,018	HK$1,824
10	HK$1,789	HK$1,551
11	HK$1,798	HK$1,563
12	HK$1,805	HK$1,577
13	HK$1,812	HK$1,590
14	HK$1,821	HK$1,602
15	HK$1,828	HK$1,615
16	HK$1,861	HK$1,674
17	HK$1,903	HK$1,747
18	HK$1,951	HK$1,836
19	HK$2,009	HK$1,941
20	HK$2,076	HK$2,062
21	HK$2,123	HK$2,153
22	HK$2,170	HK$2,245
23	HK$2,217	HK$2,339
24	HK$2,263	HK$2,433
25	HK$2,308	HK$2,527
26	HK$2,360	HK$2,638
27	HK$2,416	HK$2,755
28	HK$2,474	HK$2,876
29	HK$2,536	HK$3,004
30	HK$2,598	HK$3,137
31	HK$2,646	HK$3,245
32	HK$2,690	HK$3,347
33	HK$2,732	HK$3,445
34	HK$2,771	HK$3,537
35	HK$2,806	HK$3,627
36	HK$2,862	HK$3,744
37	HK$2,924	HK$3,868
38	HK$2,991	HK$3,999
39	HK$3,063	HK$4,137
40	HK$3,140	HK$4,282
41	HK$3,253	HK$4,402
42	HK$3,380	HK$4,518
43	HK$3,523	HK$4,632
44	HK$3,680	HK$4,742
45	HK$3,854	HK$4,848
46	HK$4,060	HK$4,993
47	HK$4,288	HK$5,148
48	HK$4,539	HK$5,314
49	HK$4,811	HK$5,490
50	HK$5,103	HK$5,678
51	HK$5,387	HK$5,837
52	HK$5,683	HK$5,996
53	HK$5,990	HK$6,151
54	HK$6,308	HK$6,303
55	HK$6,639	HK$6,454
56	HK$6,996	HK$6,615
57	HK$7,369	HK$6,777
58	HK$7,758	HK$6,941
59	HK$8,165	HK$7,106
60	HK$8,588	HK$7,274
61	HK$9,155	HK$7,705
62	HK$9,781	HK$8,224
63	HK$10,465	HK$8,832
64	HK$11,211	HK$9,527
65	HK$12,014	HK$10,312
66	HK$12,870	HK$11,040
67	HK$13,712	HK$11,771
68	HK$14,589	HK$12,522
69	HK$15,498	HK$13,296
70	HK$16,440	HK$14,092
71	HK$17,415	HK$14,908
72	HK$17,415	HK$14,908
73	HK$17,415	HK$14,908
74	HK$17,415	HK$14,908
75	HK$17,415	HK$14,908
76	HK$17,415	HK$14,908
77	HK$17,415	HK$14,908
78	HK$17,415	HK$14,908
79	HK$17,415	HK$14,908
80	HK$17,415	HK$14,908
81	HK$17,415	HK$14,908
82	HK$17,415	HK$14,908
83	HK$17,415	HK$14,908
84	HK$17,415	HK$14,908
85	HK$17,415	HK$14,908
86	HK$17,415	HK$14,908
87	HK$17,415	HK$14,908
88	HK$17,415	HK$14,908
89	HK$17,415	HK$14,908
90	HK$17,415	HK$14,908
91	HK$17,415	HK$14,908
92	HK$17,415	HK$14,908
93	HK$17,415	HK$14,908
94	HK$17,415	HK$14,908
95	HK$17,415	HK$14,908
96	HK$17,415	HK$14,908
97	HK$17,415	HK$14,908
98	HK$17,415	HK$14,908
99	HK$17,415	HK$14,908

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Nov 23, 2025
Last verified: 2026-04-17

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.