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VHIS Flexi · F00039-01-001-02

Health Supreme Medical Plan - Plan I with SMM

「倍健樂」醫療計劃 - 計劃 I+額外醫療保障

Hong Kong Life Insurance Limited

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Your premium

HK$4,397 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$550,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

Full coverage

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 40 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	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	$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
Extra Benefits
Outpatient kidney dialysis 門診腎透析	$60,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit 復康保障	$20,000 per Policy Year, maximum 60 days per Policy Year• Within 30 days after discharge from Hospital• Unlimited visits per day
Chinese Medicine Practitioner outpatient care 中醫指定癌症治療	$300 per visit, maximum 10 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)
Daily post-surgery home nursing benefit 手術後家中看護	$620 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)	$5,000 per Policy Year within 24 hours of the Accident
Cash Benefits
Hospital companion bed cash benefit 住院陪床	$350 per day, maximum 90 days per Policy Year
Day surgery cash benefit 日間手術現金保障	$400 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	$75,000

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 40 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
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
$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

Extra Benefits

Outpatient kidney dialysis
門診腎透析
$60,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit
復康保障
$20,000 per Policy Year, maximum 60 days per Policy Year• Within 30 days after discharge from Hospital• Unlimited visits per day
Chinese Medicine Practitioner outpatient care
中醫指定癌症治療
$300 per visit, maximum 10 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)
Daily post-surgery home nursing benefit
手術後家中看護
$620 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)
$5,000 per Policy Year within 24 hours of the Accident

Cash Benefits

Hospital companion bed cash benefit
住院陪床
$350 per day, maximum 90 days per Policy Year
Day surgery cash benefit
日間手術現金保障
$400 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
$75,000

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$7,295	HK$5,831
1	HK$6,276	HK$4,916
2	HK$5,534	HK$4,287
3	HK$4,839	HK$3,584
4	HK$4,372	HK$3,186
5	HK$4,023	HK$2,882
6	HK$3,719	HK$2,641
7	HK$3,494	HK$2,470
8	HK$3,331	HK$2,389
9	HK$3,092	HK$2,305
10	HK$2,923	HK$2,250
11	HK$2,822	HK$2,250
12	HK$2,774	HK$2,301
13	HK$2,755	HK$2,423
14	HK$2,774	HK$2,584
15	HK$2,834	HK$2,781
16	HK$2,918	HK$3,007
17	HK$2,958	HK$3,116
18	HK$3,023	HK$3,281
19	HK$3,091	HK$3,477
20	HK$3,169	HK$3,686
21	HK$3,237	HK$3,877
22	HK$3,308	HK$4,069
23	HK$3,415	HK$4,235
24	HK$3,518	HK$4,400
25	HK$3,721	HK$4,726
26	HK$3,912	HK$5,044
27	HK$4,104	HK$5,358
28	HK$4,206	HK$5,490
29	HK$4,297	HK$5,622
30	HK$4,397	HK$5,760
31	HK$4,485	HK$5,888
32	HK$4,569	HK$6,009
33	HK$4,710	HK$6,251
34	HK$4,862	HK$6,506
35	HK$5,016	HK$6,770
36	HK$5,179	HK$7,048
37	HK$5,342	HK$7,342
38	HK$5,481	HK$7,596
39	HK$5,641	HK$7,862
40	HK$5,817	HK$8,153
41	HK$6,002	HK$8,451
42	HK$6,209	HK$8,764
43	HK$6,471	HK$9,041
44	HK$6,759	HK$9,329
45	HK$7,078	HK$9,636
46	HK$7,433	HK$9,948
47	HK$7,824	HK$10,263
48	HK$8,218	HK$10,541
49	HK$8,654	HK$10,822
50	HK$9,122	HK$11,118
51	HK$9,633	HK$11,425
52	HK$10,184	HK$11,745
53	HK$10,844	HK$12,149
54	HK$11,548	HK$12,573
55	HK$12,291	HK$13,012
56	HK$13,089	HK$13,454
57	HK$13,940	HK$13,925
58	HK$14,540	HK$14,323
59	HK$15,176	HK$14,745
60	HK$15,834	HK$15,171
61	HK$16,520	HK$15,624
62	HK$17,223	HK$16,091
63	HK$18,204	HK$16,654
64	HK$19,188	HK$17,237
65	HK$20,176	HK$17,843
66	HK$21,140	HK$18,479
67	HK$22,076	HK$19,130
68	HK$23,077	HK$20,131
69	HK$24,073	HK$21,164
70	HK$25,049	HK$22,215
71	HK$26,013	HK$23,515
72	HK$26,968	HK$24,880
73	HK$27,786	HK$25,616
74	HK$28,664	HK$26,401
75	HK$29,601	HK$27,237
76	HK$30,547	HK$28,300
77	HK$31,551	HK$29,373
78	HK$32,585	HK$30,848
79	HK$33,618	HK$32,336
80	HK$34,671	HK$33,800
81	HK$36,027	HK$34,973
82	HK$37,341	HK$36,085
83	HK$38,396	HK$37,319
84	HK$39,357	HK$38,497
85	HK$40,213	HK$39,612
86	HK$40,701	HK$40,404
87	HK$41,125	HK$41,145
88	HK$41,871	HK$41,888
89	HK$42,639	HK$42,631
90	HK$43,435	HK$43,408
91	HK$44,289	HK$44,204
92	HK$45,176	HK$45,020
93	HK$46,234	HK$45,804
94	HK$47,287	HK$46,559
95	HK$48,351	HK$47,321
96	HK$49,424	HK$48,056
97	HK$50,500	HK$48,788
98	HK$51,693	HK$49,572
99	HK$52,761	HK$50,288

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

View details →

I with SMM

Current page

View details →

II with SMM

View details →

III

View details →

III with SMM

View details →

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Sep 29, 2025
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.