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VHIS Flexi · F00039-01-000-02

Health Supreme Medical Plan - Plan I

「倍健樂」醫療計劃 - 計劃 I

Hong Kong Life Insurance Limited

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Your premium

HK$2,901 /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

—

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$5,278	HK$4,217
1	HK$4,540	HK$3,556
2	HK$4,004	HK$3,103
3	HK$3,501	HK$2,591
4	HK$3,164	HK$2,305
5	HK$2,886	HK$2,067
6	HK$2,666	HK$1,893
7	HK$2,502	HK$1,768
8	HK$2,384	HK$1,709
9	HK$2,212	HK$1,650
10	HK$2,091	HK$1,612
11	HK$2,019	HK$1,612
12	HK$1,986	HK$1,647
13	HK$1,971	HK$1,737
14	HK$1,987	HK$1,855
15	HK$2,032	HK$1,996
16	HK$2,092	HK$2,160
17	HK$2,124	HK$2,241
18	HK$2,134	HK$2,319
19	HK$2,183	HK$2,459
20	HK$2,197	HK$2,556
21	HK$2,207	HK$2,645
22	HK$2,219	HK$2,732
23	HK$2,252	HK$2,795
24	HK$2,322	HK$2,907
25	HK$2,455	HK$3,123
26	HK$2,582	HK$3,335
27	HK$2,711	HK$3,545
28	HK$2,778	HK$3,635
29	HK$2,840	HK$3,725
30	HK$2,901	HK$3,812
31	HK$2,961	HK$3,901
32	HK$3,017	HK$3,984
33	HK$3,113	HK$4,145
34	HK$3,215	HK$4,314
35	HK$3,314	HK$4,490
36	HK$3,423	HK$4,675
37	HK$3,533	HK$4,869
38	HK$3,627	HK$5,036
39	HK$3,737	HK$5,213
40	HK$3,855	HK$5,408
41	HK$3,980	HK$5,604
42	HK$4,118	HK$5,812
43	HK$4,291	HK$5,994
44	HK$4,481	HK$6,188
45	HK$4,694	HK$6,391
46	HK$4,929	HK$6,597
47	HK$5,188	HK$6,805
48	HK$5,451	HK$6,990
49	HK$5,739	HK$7,177
50	HK$6,049	HK$7,373
51	HK$6,387	HK$7,577
52	HK$6,754	HK$7,789
53	HK$7,193	HK$8,057
54	HK$7,658	HK$8,338
55	HK$8,151	HK$8,628
56	HK$8,680	HK$8,921
57	HK$9,244	HK$9,235
58	HK$9,643	HK$9,498
59	HK$10,064	HK$9,778
60	HK$10,501	HK$10,060
61	HK$10,956	HK$10,360
62	HK$11,422	HK$10,671
63	HK$12,072	HK$11,044
64	HK$12,725	HK$11,431
65	HK$13,379	HK$11,831
66	HK$14,019	HK$12,255
67	HK$14,640	HK$12,686
68	HK$15,304	HK$13,351
69	HK$15,964	HK$14,035
70	HK$16,611	HK$14,733
71	HK$17,250	HK$15,595
72	HK$17,884	HK$16,500
73	HK$18,426	HK$16,987
74	HK$19,008	HK$17,509
75	HK$19,630	HK$18,063
76	HK$20,258	HK$18,768
77	HK$20,923	HK$19,480
78	HK$21,609	HK$20,457
79	HK$22,294	HK$21,443
80	HK$22,993	HK$22,415
81	HK$23,892	HK$23,192
82	HK$24,763	HK$23,931
83	HK$25,463	HK$24,749
84	HK$26,100	HK$25,530
85	HK$26,668	HK$26,269
86	HK$26,991	HK$26,795
87	HK$27,272	HK$27,285
88	HK$27,766	HK$27,778
89	HK$28,277	HK$28,271
90	HK$28,805	HK$28,787
91	HK$29,371	HK$29,314
92	HK$29,960	HK$29,856
93	HK$30,660	HK$30,375
94	HK$31,358	HK$30,875
95	HK$32,065	HK$31,381
96	HK$32,776	HK$31,869
97	HK$33,490	HK$32,354
98	HK$34,280	HK$32,873
99	HK$34,989	HK$33,349

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

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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.