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Health Supreme Medical Plan - Plan III

「倍健樂」醫療計劃 - 計劃 III

Health Supreme Medical Plan - Plan III is a VHIS Flexi plan offered by Hong Kong Life Insurance Limited, with no ward-class restriction, Worldwide (including United States) coverage and HK$1,200,000 annual benefit limit. Latest plan-document version: Sep 29, 2025.

VHIS FlexiF00039-03-000-02

Plan at a glance

Ward class: No ward-class restriction
Coverage region: Worldwide (including United States)
Deductible: —
Annual benefit limit: HK$1,200,000
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	$4,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$35,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$4,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$12,000 per Policy Year
(e) Intensive care (e) 深切治療	$10,000 per day, maximum 40 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$12,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$30,000
Surgeon's fee — Major 外科醫生費 — 大型	$60,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$120,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	40% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	40% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$50,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$160,000 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	$1,200, per visit, $6,000 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	$40,000 per Policy Year
Extra Benefits
Outpatient kidney dialysis 門診腎透析	$150,000 per Policy Year
Rehabilitation benefit 復康保障	$20,000 per Policy Year, maximum 60 days per Policy Year• Within the post-discharge window• Unlimited visits per day
Chinese Medicine Practitioner outpatient care 中醫指定癌症治療	$1,000 per visit, maximum 15 visits per Policy Year (1 per day)• Within 30 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments
Complications of pregnancy 妊娠併發症	Payable up to the relevant benefit limits under basic benefit items (a) – (i), (k) and additional benefit items (c) and (f)
Home nursing 手術後家中看護	$1,520 per visit, maximum 15 visits per Policy Year (1 per day)• Within 30 days after discharge from Hospital or completion of Day Case Procedure
Emergency outpatient treatment for Accident 急症門診(意外)	$15,000 per Policy Year within 24 hours of the Accident
Cash Benefits
Hospital companion bed cash benefit 住院陪床	$750 per day, maximum 90 days per Policy Year
Day surgery cash benefit 日間手術現金保障	$1,600 per surgery
Event Benefits
Compassionate death benefit 恩恤身故保障	$10,000
Accidental Death benefit 意外死亡保障	$10,000
Medical accident and incident extension benefit 醫療意外及事故延伸保障	$300,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$4,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$35,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$4,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$12,000 per Policy Year
(e) Intensive care
(e) 深切治療
$10,000 per day, maximum 40 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$12,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$30,000
Surgeon's fee — Major
外科醫生費 — 大型
$60,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$120,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
40% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
40% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$50,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$160,000 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
$1,200, per visit, $6,000 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
$40,000 per Policy Year

Extra Benefits

Outpatient kidney dialysis
門診腎透析
$150,000 per Policy Year
Rehabilitation benefit
復康保障
$20,000 per Policy Year, maximum 60 days per Policy Year• Within the post-discharge window• Unlimited visits per day
Chinese Medicine Practitioner outpatient care
中醫指定癌症治療
$1,000 per visit, maximum 15 visits per Policy Year (1 per day)• Within 30 days after discharge from Hospital or completion of Prescribed Non-surgical Cancer Treatments
Complications of pregnancy
妊娠併發症
Payable up to the relevant benefit limits under basic benefit items (a) – (i), (k) and additional benefit items (c) and (f)
Home nursing
手術後家中看護
$1,520 per visit, maximum 15 visits per Policy Year (1 per day)• Within 30 days after discharge from Hospital or completion of Day Case Procedure
Emergency outpatient treatment for Accident
急症門診(意外)
$15,000 per Policy Year within 24 hours of the Accident

Cash Benefits

Hospital companion bed cash benefit
住院陪床
$750 per day, maximum 90 days per Policy Year
Day surgery cash benefit
日間手術現金保障
$1,600 per surgery

Event Benefits

Compassionate death benefit
恩恤身故保障
$10,000
Accidental Death benefit
意外死亡保障
$10,000
Medical accident and incident extension benefit
醫療意外及事故延伸保障
$300,000

No-Claim Bonus

Renewal premium discount earned by staying claim-free

Discount netted off renewal premium

Discount schedule

Consecutive claim-free years	Discount
2 yrs	10%
3 yrs	12%

Verbatim clause

無索償折扣之補充文件 1. 無索償折扣 — 此部分旨在補充條款及細則第三部分。於續保日，無索償折扣將會從續保日起往後之保單年度應付的保費中扣除，惟須受到下列(a) 或(b) 所限制，如適用：a. 若本保單於緊接續保日前已經連續生效兩(2)個保單年度，並且於該時期內未曾就條款及細則第六部分第3節及額外保障之補充文件中第1(a)-(h)節提出索償，相等於10%之無索償折扣將於該續保日開始之保單年度應用於本保單用作扣減應付的保費。b. 若本保單於緊接續保日前已經連續生效三(3)個保單年度或以上，並且於該時期內未曾就上述保障項目提出索償，相等於12%之無索償折扣將於該續保日開始之保單年度應用於本保單用作扣減應付的保費。

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00039/F00039-01-000-02-PlanDoc-c.pdf

Premium Schedule

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

Age	Male	Female
0	HK$14,784	HK$11,882
1	HK$12,609	HK$9,858
2	HK$11,065	HK$8,569
3	HK$9,625	HK$7,125
4	HK$8,644	HK$6,297
5	HK$7,773	HK$5,541
6	HK$7,128	HK$5,035
7	HK$6,638	HK$4,670
8	HK$6,283	HK$4,486
9	HK$5,793	HK$4,312
10	HK$5,456	HK$4,220
11	HK$5,254	HK$4,226
12	HK$5,162	HK$4,335
13	HK$5,132	HK$4,596
14	HK$5,188	HK$4,932
15	HK$5,283	HK$5,250
16	HK$5,467	HK$5,721
17	HK$5,576	HK$5,971
18	HK$5,728	HK$6,324
19	HK$5,889	HK$6,738
20	HK$6,020	HK$7,056
21	HK$6,181	HK$7,463
22	HK$6,341	HK$7,870
23	HK$6,571	HK$8,224
24	HK$6,794	HK$8,574
25	HK$7,128	HK$9,163
26	HK$7,518	HK$9,814
27	HK$7,912	HK$10,453
28	HK$8,126	HK$10,742
29	HK$8,322	HK$11,030
30	HK$8,405	HK$11,076
31	HK$8,588	HK$11,358
32	HK$8,765	HK$11,618
33	HK$9,059	HK$12,111
34	HK$9,369	HK$12,624
35	HK$9,560	HK$13,048
36	HK$9,891	HK$13,603
37	HK$10,226	HK$14,192
38	HK$10,517	HK$14,700
39	HK$10,852	HK$15,243
40	HK$11,169	HK$15,849
41	HK$11,554	HK$16,446
42	HK$11,979	HK$17,081
43	HK$12,515	HK$17,639
44	HK$13,100	HK$18,230
45	HK$13,608	HK$18,642
46	HK$14,326	HK$19,272
47	HK$15,121	HK$19,912
48	HK$15,932	HK$20,482
49	HK$16,819	HK$21,064
50	HK$17,668	HK$21,512
51	HK$18,725	HK$22,163
52	HK$19,853	HK$22,827
53	HK$21,201	HK$23,653
54	HK$22,633	HK$24,518
55	HK$24,053	HK$25,375
56	HK$25,680	HK$26,285
57	HK$27,412	HK$27,251
58	HK$28,662	HK$28,077
59	HK$29,979	HK$28,949
60	HK$31,155	HK$29,715
61	HK$32,570	HK$30,648
62	HK$34,017	HK$31,611
63	HK$36,029	HK$32,758
64	HK$38,057	HK$33,950
65	HK$39,561	HK$34,635
66	HK$41,557	HK$35,923
67	HK$43,502	HK$37,237
68	HK$45,555	HK$39,224
69	HK$47,562	HK$41,277
70	HK$48,909	HK$42,783
71	HK$50,836	HK$45,365
72	HK$52,728	HK$48,066
73	HK$54,353	HK$49,552
74	HK$56,093	HK$51,131
75	HK$57,504	HK$52,418
76	HK$59,362	HK$54,522
77	HK$61,323	HK$56,645
78	HK$63,310	HK$59,528
79	HK$65,285	HK$62,427
80	HK$67,186	HK$65,329
81	HK$69,739	HK$67,591
82	HK$72,190	HK$69,724
83	HK$74,084	HK$72,060
84	HK$75,763	HK$74,273
85	HK$77,442	HK$76,645
86	HK$78,131	HK$78,052
87	HK$78,658	HK$79,328
88	HK$79,752	HK$80,575
89	HK$80,845	HK$81,790
90	HK$82,489	HK$83,852
91	HK$83,605	HK$85,065
92	HK$84,714	HK$86,266
93	HK$86,048	HK$87,338
94	HK$87,276	HK$88,295
95	HK$88,394	HK$89,188
96	HK$89,429	HK$89,946
97	HK$90,332	HK$90,600
98	HK$91,302	HK$91,256
99	HK$91,894	HK$91,671

How to apply for this plan

This plan is offered by Hong Kong Life Insurance Limited. To apply, contact Hong Kong Life Insurance Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
Benefit schedule PDF Premium table PDF

This site's licensed insurance agent can only arrange FWD plans.

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

View details →

I with SMM

View details →

II with SMM

View details →

III

Current page

III with SMM

View details →

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: Sep 29, 2025
Plan data updated: 2026-04-25

Health Supreme Medical Plan - Plan III

Plan at a glance

Benefits

No-Claim Bonus

Discount schedule

Premium Schedule

How to apply for this plan

Other deductible options in this series

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款