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VHIS Flexi · F00039-02-000-02

Health Supreme Medical Plan - Plan II

「倍健樂」醫療計劃 - 計劃 II

Hong Kong Life Insurance Limited

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Your premium

HK$5,296 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$850,000

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	$2,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$22,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$2,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$6,000 per Policy Year
(e) Intensive care (e) 深切治療	$6,000 per day, maximum 40 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$8,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$20,000
Surgeon's fee — Major 外科醫生費 — 大型	$40,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$80,000
(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	$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$120,000 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	$800, per visit, $4,000 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	$35,000 per Policy Year
Extra Benefits
Outpatient kidney dialysis 門診腎透析	$100,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit 復康保障	$20,000 per Policy Year, maximum 60 days per Policy Year• Within the post-discharge window• Unlimited visits per day
Chinese Medicine Practitioner outpatient care 中醫指定癌症治療	$500 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)
Daily post-surgery home nursing benefit 手術後家中看護	$920 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)	$10,000 per Policy Year within 24 hours of the Accident
Cash Benefits
Hospital companion bed cash benefit 住院陪床	$500 per day, maximum 90 days per Policy Year
Day surgery cash benefit 日間手術現金保障	$800 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	$150,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
$2,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$22,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$2,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$6,000 per Policy Year
(e) Intensive care
(e) 深切治療
$6,000 per day, maximum 40 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$8,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$20,000
Surgeon's fee — Major
外科醫生費 — 大型
$40,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$80,000
(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
$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$120,000 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
$800, per visit, $4,000 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
$35,000 per Policy Year

Extra Benefits

Outpatient kidney dialysis
門診腎透析
$100,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit
復康保障
$20,000 per Policy Year, maximum 60 days per Policy Year• Within the post-discharge window• Unlimited visits per day
Chinese Medicine Practitioner outpatient care
中醫指定癌症治療
$500 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)
Daily post-surgery home nursing benefit
手術後家中看護
$920 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)
$10,000 per Policy Year within 24 hours of the Accident

Cash Benefits

Hospital companion bed cash benefit
住院陪床
$500 per day, maximum 90 days per Policy Year
Day surgery cash benefit
日間手術現金保障
$800 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
$150,000

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$9,032	HK$7,235
1	HK$7,726	HK$6,026
2	HK$6,798	HK$5,248
3	HK$5,934	HK$4,377
4	HK$5,348	HK$3,881
5	HK$4,838	HK$3,446
6	HK$4,455	HK$3,144
7	HK$4,164	HK$2,931
8	HK$3,959	HK$2,825
9	HK$3,663	HK$2,723
10	HK$3,460	HK$2,665
11	HK$3,338	HK$2,667
12	HK$3,280	HK$2,730
13	HK$3,261	HK$2,884
14	HK$3,291	HK$3,088
15	HK$3,363	HK$3,314
16	HK$3,471	HK$3,598
17	HK$3,533	HK$3,744
18	HK$3,617	HK$3,952
19	HK$3,714	HK$4,203
20	HK$3,797	HK$4,424
21	HK$3,889	HK$4,670
22	HK$3,984	HK$4,917
23	HK$4,120	HK$5,128
24	HK$4,253	HK$5,340
25	HK$4,481	HK$5,726
26	HK$4,723	HK$6,124
27	HK$4,963	HK$6,516
28	HK$5,094	HK$6,694
29	HK$5,209	HK$6,869
30	HK$5,296	HK$6,980
31	HK$5,405	HK$7,152
32	HK$5,514	HK$7,310
33	HK$5,696	HK$7,618
34	HK$5,887	HK$7,939
35	HK$6,040	HK$8,251
36	HK$6,243	HK$8,600
37	HK$6,451	HK$8,967
38	HK$6,632	HK$9,288
39	HK$6,838	HK$9,630
40	HK$7,044	HK$10,004
41	HK$7,283	HK$10,382
42	HK$7,544	HK$10,780
43	HK$7,876	HK$11,129
44	HK$8,237	HK$11,499
45	HK$8,602	HK$11,813
46	HK$9,043	HK$12,205
47	HK$9,535	HK$12,605
48	HK$10,039	HK$12,954
49	HK$10,593	HK$13,312
50	HK$11,162	HK$13,633
51	HK$11,816	HK$14,030
52	HK$12,515	HK$14,434
53	HK$13,356	HK$14,945
54	HK$14,245	HK$15,476
55	HK$15,162	HK$15,982
56	HK$16,172	HK$16,539
57	HK$17,246	HK$17,133
58	HK$18,026	HK$17,634
59	HK$18,849	HK$18,167
60	HK$19,634	HK$18,657
61	HK$20,513	HK$19,226
62	HK$21,413	HK$19,815
63	HK$22,675	HK$20,519
64	HK$23,943	HK$21,251
65	HK$25,086	HK$21,838
66	HK$26,336	HK$22,629
67	HK$27,555	HK$23,435
68	HK$28,845	HK$24,666
69	HK$30,106	HK$25,936
70	HK$31,161	HK$27,052
71	HK$32,374	HK$28,652
72	HK$33,566	HK$30,327
73	HK$34,596	HK$31,243
74	HK$35,700	HK$32,217
75	HK$36,747	HK$33,155
76	HK$37,927	HK$34,464
77	HK$39,177	HK$35,784
78	HK$40,433	HK$37,588
79	HK$41,690	HK$39,403
80	HK$42,915	HK$41,164
81	HK$44,550	HK$42,585
82	HK$46,125	HK$43,927
83	HK$47,336	HK$45,384
84	HK$48,417	HK$46,770
85	HK$49,427	HK$48,143
86	HK$49,895	HK$49,034
87	HK$50,274	HK$49,854
88	HK$51,027	HK$50,665
89	HK$51,789	HK$51,462
90	HK$52,725	HK$52,515
91	HK$53,538	HK$53,337
92	HK$54,365	HK$54,166
93	HK$55,359	HK$54,929
94	HK$56,310	HK$55,635
95	HK$57,227	HK$56,322
96	HK$58,110	HK$56,942
97	HK$58,944	HK$57,521
98	HK$59,858	HK$58,126
99	HK$60,568	HK$58,607

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

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I with SMM

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Current page

II with SMM

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III

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III with SMM

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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.