VHIS Series - Flexi Plan (SMM) - Flexi Plan SMM

自願醫保系列－靈活計劃（附加保障） - 靈活計劃(附加保障)

Chubb Life Insurance Hong Kong Limited

Add to compare

Your premium

HK$4,498 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$570,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

HK$150,000

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	$1,200 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	$1,200 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	$ 8,750
Surgeon's fee — Intermediate 外科醫生費 — 中型	$17,500
Surgeon's fee — Major 外科醫生費 — 大型	$35,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$70,000
(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	$1,000, per visit, $15,000 per Policy YearUp to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 10 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
Extra Benefits
Outpatient kidney dialysis 門診腎透析	$30,000 per Policy Year
Daily post-surgery home nursing benefit 出院後家中看護	$700 per day, maximum 15 days per Policy Year
Event Benefits
Compassionate death benefit 身故恩恤保障	$10,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,200 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
$1,200 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
$ 8,750
Surgeon's fee — Intermediate
外科醫生費 — 中型
$17,500
Surgeon's fee — Major
外科醫生費 — 大型
$35,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$70,000
(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
$1,000, per visit, $15,000 per Policy YearUp to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 10 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

Extra Benefits

Outpatient kidney dialysis
門診腎透析
$30,000 per Policy Year
Daily post-surgery home nursing benefit
出院後家中看護
$700 per day, maximum 15 days per Policy Year

Event Benefits

Compassionate death benefit
身故恩恤保障
$10,000

Premium Schedule

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

Age	Non-smoker	Smoker
0	HK$5,003	—
1	HK$5,003	—
2	HK$5,003	—
3	HK$5,003	—
4	HK$5,003	—
5	HK$3,335	—
6	HK$3,335	—
7	HK$3,335	—
8	HK$3,335	—
9	HK$3,335	—
10	HK$3,335	—
11	HK$3,335	—
12	HK$3,335	—
13	HK$3,335	—
14	HK$3,335	—
15	HK$3,335	—
16	HK$3,335	—
17	HK$3,335	—
18	HK$3,544	HK$4,011
19	HK$3,544	HK$4,011
20	HK$3,608	HK$4,084
21	HK$3,654	HK$4,135
22	HK$3,703	HK$4,192
23	HK$3,800	HK$4,301
24	HK$3,893	HK$4,406
25	HK$3,988	HK$4,514
26	HK$4,085	HK$4,624
27	HK$4,185	HK$4,737
28	HK$4,286	HK$4,852
29	HK$4,391	HK$4,970
30	HK$4,498	HK$5,091
31	HK$4,608	HK$5,217
32	HK$4,721	HK$5,343
33	HK$4,836	HK$5,474
34	HK$4,954	HK$5,607
35	HK$5,046	HK$5,712
36	HK$5,061	HK$5,729
37	HK$5,124	HK$5,800
38	HK$5,253	HK$5,945
39	HK$5,366	HK$6,073
40	HK$5,551	HK$6,283
41	HK$5,754	HK$6,514
42	HK$5,965	HK$6,751
43	HK$6,184	HK$6,999
44	HK$6,409	HK$7,255
45	HK$6,644	HK$7,520
46	HK$6,887	HK$7,795
47	HK$7,138	HK$8,079
48	HK$7,399	HK$8,374
49	HK$7,670	HK$8,681
50	HK$7,950	HK$8,999
51	HK$8,300	HK$9,395
52	HK$8,665	HK$9,808
53	HK$9,046	HK$10,238
54	HK$9,444	HK$10,690
55	HK$9,859	HK$11,159
56	HK$10,313	HK$11,673
57	HK$10,787	HK$12,209
58	HK$11,283	HK$12,772
59	HK$11,802	HK$13,359
60	HK$12,345	HK$13,973
61	HK$12,937	HK$14,643
62	HK$13,558	HK$15,346
63	HK$14,209	HK$16,082
64	HK$14,890	HK$16,854
65	HK$15,605	HK$17,662
66	HK$16,385	HK$18,545
67	HK$17,205	HK$19,474
68	HK$18,065	HK$20,447
69	HK$18,968	HK$21,470
70	HK$19,916	HK$22,542
71	HK$20,952	HK$23,715
72	HK$22,041	HK$24,948
73	HK$23,187	HK$26,245
74	HK$24,393	HK$27,610
75	HK$25,661	HK$29,045
76	HK$27,046	HK$30,614
77	HK$28,507	HK$32,266
78	HK$30,047	HK$34,009
79	HK$31,669	HK$35,846
80	HK$33,379	HK$37,780
81	HK$33,712	HK$38,159
82	HK$34,050	HK$38,540
83	HK$34,390	HK$38,925
84	HK$34,733	HK$39,314
85	HK$35,081	HK$39,708
86	HK$35,432	HK$40,104
87	HK$35,786	HK$40,505
88	HK$36,144	HK$40,910
89	HK$36,505	HK$41,320
90	HK$36,870	HK$41,733
91	HK$37,239	HK$42,150
92	HK$37,612	HK$42,572
93	HK$37,988	HK$42,998
94	HK$38,368	HK$43,428
95	HK$38,752	HK$43,863
96	HK$39,140	HK$44,301
97	HK$39,531	HK$44,745
98	HK$39,926	HK$45,191
99	HK$40,325	HK$45,643

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Nov 1, 2022
Last verified: 2026-04-25

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.