Dah Sing Insurance ADVANTAGE VHIS Standard Plan

大新保險「尚護康」自願醫保標準計劃

Dah Sing Insurance ADVANTAGE VHIS Standard Plan is a VHIS Standard plan offered by Dah Sing Insurance Company Limited, with ward class N/A (capped), Worldwide coverage and HK$420,000 annual benefit limit. Latest plan-document version: Nov 5, 2024.

01 · Plan at a glanceQuote a premium by age, gender and smoking status

Your premium

HK$3,208 /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 Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up 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

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 Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up 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

Premium Schedule

Annual premium · 4 gender / smoking columns · HKD

Age	Male · Non-smoker	Male · Smoker	Female · Non-smoker	Female · Smoker
0	HK$3,800	—	HK$3,800	—
1	HK$3,800	—	HK$3,800	—
2	HK$3,800	—	HK$3,800	—
3	HK$3,800	—	HK$3,800	—
4	HK$3,800	—	HK$3,800	—
5	HK$3,800	—	HK$3,800	—
6	HK$2,800	—	HK$2,800	—
7	HK$2,800	—	HK$2,800	—
8	HK$2,800	—	HK$2,800	—
9	HK$2,800	—	HK$2,800	—
10	HK$2,800	—	HK$2,800	—
11	HK$2,800	—	HK$2,800	—
12	HK$2,800	—	HK$2,800	—
13	HK$2,800	—	HK$2,800	—
14	HK$2,800	—	HK$2,800	—
15	HK$2,800	—	HK$2,800	—
16	HK$2,800	—	HK$2,800	—
17	HK$2,800	—	HK$2,800	—
18	HK$2,380	HK$2,618	HK$2,591	HK$2,850
19	HK$2,424	HK$2,667	HK$2,739	HK$3,013
20	HK$2,472	HK$2,719	HK$2,885	HK$3,174
21	HK$2,519	HK$2,771	HK$3,027	HK$3,330
22	HK$2,568	HK$2,825	HK$3,170	HK$3,487
23	HK$2,642	HK$2,906	HK$3,290	HK$3,619
24	HK$2,695	HK$2,965	HK$3,391	HK$3,730
25	HK$2,784	HK$3,063	HK$3,558	HK$3,913
26	HK$2,871	HK$3,158	HK$3,722	HK$4,094
27	HK$2,959	HK$3,255	HK$3,883	HK$4,272
28	HK$3,019	HK$3,321	HK$3,965	HK$4,361
29	HK$3,112	HK$3,423	HK$4,101	HK$4,511
30	HK$3,208	HK$3,529	HK$4,230	HK$4,653
31	HK$3,300	HK$3,630	HK$4,363	HK$4,800
32	HK$3,393	HK$3,732	HK$4,491	HK$4,940
33	HK$3,499	HK$3,849	HK$4,677	HK$5,145
34	HK$3,643	HK$4,007	HK$4,910	HK$5,401
35	HK$3,785	HK$4,163	HK$5,147	HK$5,662
36	HK$3,930	HK$4,323	HK$5,156	HK$5,671
37	HK$4,078	HK$4,486	HK$5,396	HK$5,936
38	HK$4,215	HK$4,636	HK$5,620	HK$6,182
39	HK$4,326	HK$4,759	HK$5,804	HK$6,384
40	HK$4,445	HK$4,888	HK$5,994	HK$6,594
41	HK$4,571	HK$5,257	HK$6,184	HK$7,111
42	HK$4,706	HK$5,412	HK$6,381	HK$7,338
43	HK$4,879	HK$5,611	HK$6,547	HK$7,530
44	HK$5,115	HK$5,882	HK$6,782	HK$7,799
45	HK$5,365	HK$6,170	HK$7,021	HK$8,074
46	HK$5,640	HK$6,486	HK$7,254	HK$8,342
47	HK$5,936	HK$6,826	HK$7,481	HK$8,603
48	HK$6,236	HK$7,171	HK$7,689	HK$8,843
49	HK$6,547	HK$7,529	HK$7,877	HK$9,058
50	HK$6,880	HK$7,913	HK$8,064	HK$9,273
51	HK$7,231	HK$8,316	HK$8,250	HK$9,487
52	HK$7,604	HK$8,745	HK$8,437	HK$9,702
53	HK$8,026	HK$9,230	HK$8,650	HK$9,947
54	HK$8,586	HK$9,873	HK$8,991	HK$10,340
55	HK$9,169	HK$10,544	HK$9,758	HK$11,221
56	HK$9,355	HK$10,758	HK$10,110	HK$11,626
57	HK$9,966	HK$11,461	HK$10,465	HK$12,035
58	HK$10,449	HK$12,016	HK$10,824	HK$12,448
59	HK$10,912	HK$12,549	HK$11,149	HK$12,821
60	HK$11,388	HK$13,096	HK$11,473	HK$13,195
61	HK$11,871	HK$13,652	HK$11,806	HK$13,577
62	HK$12,360	HK$14,214	HK$12,147	HK$13,969
63	HK$12,983	HK$14,930	HK$12,494	HK$14,368
64	HK$13,799	HK$15,869	HK$13,035	HK$14,990
65	HK$14,609	HK$16,801	HK$13,591	HK$15,629
66	HK$15,404	HK$17,715	HK$14,162	HK$16,286
67	HK$16,184	HK$18,612	HK$14,747	HK$16,959
68	HK$16,927	HK$19,466	HK$15,531	HK$17,861
69	HK$18,188	HK$20,916	HK$16,815	HK$19,338
70	HK$19,425	HK$22,338	HK$18,125	HK$20,844
71	HK$20,596	HK$23,685	HK$19,594	HK$22,533
72	HK$21,736	HK$24,997	HK$21,117	HK$24,285
73	HK$22,936	HK$26,377	HK$22,268	HK$25,608
74	HK$23,922	HK$27,510	HK$23,207	HK$26,688
75	HK$24,915	HK$28,653	HK$24,166	HK$27,791
76	HK$25,855	HK$29,733	HK$25,275	HK$29,067
77	HK$26,824	HK$30,847	HK$26,382	HK$30,339
78	HK$27,702	HK$31,858	HK$27,746	HK$31,907
79	HK$28,415	HK$32,677	HK$28,944	HK$33,286
80	HK$29,144	HK$33,515	HK$30,120	HK$34,638
81	HK$30,132	HK$34,652	HK$31,025	HK$35,678
82	HK$31,112	HK$35,778	HK$31,889	HK$36,672
83	HK$31,887	HK$36,670	HK$32,901	HK$37,836
84	HK$32,412	HK$37,273	HK$33,693	HK$38,747
85	HK$32,883	HK$37,815	HK$34,461	HK$39,631
86	HK$33,175	HK$38,151	HK$35,124	HK$40,392
87	HK$33,428	HK$38,443	HK$35,763	HK$41,128
88	HK$33,869	HK$38,949	HK$36,320	HK$41,768
89	HK$34,187	HK$39,315	HK$36,744	HK$42,256
90	HK$34,503	HK$39,678	HK$37,163	HK$42,737
91	HK$34,810	HK$40,032	HK$37,581	HK$43,218
92	HK$35,115	HK$40,383	HK$37,996	HK$43,695
93	HK$35,501	HK$40,826	HK$38,345	HK$44,097
94	HK$35,842	HK$41,218	HK$38,641	HK$44,437
95	HK$36,160	HK$41,585	HK$38,909	HK$44,745
96	HK$36,450	HK$41,917	HK$39,149	HK$45,022
97	HK$36,704	HK$42,209	HK$39,369	HK$45,274
98	HK$36,973	HK$42,519	HK$39,580	HK$45,518
99	HK$37,134	HK$42,705	HK$39,758	HK$45,722

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Nov 5, 2024
Last verified: 2026-04-17