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VHIS Flexi · F00039-02-001-02

Health Supreme Medical Plan - Plan II with SMM

「倍健樂」醫療計劃 - 計劃 II+額外醫療保障

Hong Kong Life Insurance Limited

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Your premium

HK$7,299 /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

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	$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$12,451	HK$9,972
1	HK$10,661	HK$8,394
2	HK$9,383	HK$7,311
3	HK$8,188	HK$6,097
4	HK$7,379	HK$5,408
5	HK$6,721	HK$4,825
6	HK$6,188	HK$4,403
7	HK$5,787	HK$4,102
8	HK$5,497	HK$3,952
9	HK$5,081	HK$3,806
10	HK$4,786	HK$3,708
11	HK$4,611	HK$3,707
12	HK$4,528	HK$3,791
13	HK$4,493	HK$4,001
14	HK$4,536	HK$4,276
15	HK$4,636	HK$4,564
16	HK$4,786	HK$4,957
17	HK$4,869	HK$5,162
18	HK$4,986	HK$5,448
19	HK$5,117	HK$5,793
20	HK$5,231	HK$6,098
21	HK$5,361	HK$6,438
22	HK$5,488	HK$6,777
23	HK$5,677	HK$7,071
24	HK$5,860	HK$7,362
25	HK$6,178	HK$7,893
26	HK$6,509	HK$8,442
27	HK$6,840	HK$8,985
28	HK$7,021	HK$9,225
29	HK$7,183	HK$9,470
30	HK$7,299	HK$9,623
31	HK$7,452	HK$9,856
32	HK$7,599	HK$10,078
33	HK$7,851	HK$10,499
34	HK$8,114	HK$10,942
35	HK$8,324	HK$11,376
36	HK$8,605	HK$11,852
37	HK$8,894	HK$12,363
38	HK$9,140	HK$12,806
39	HK$9,425	HK$13,275
40	HK$9,710	HK$13,791
41	HK$10,037	HK$14,310
42	HK$10,399	HK$14,860
43	HK$10,856	HK$15,341
44	HK$11,356	HK$15,853
45	HK$11,855	HK$16,284
46	HK$12,465	HK$16,825
47	HK$13,143	HK$17,378
48	HK$13,841	HK$17,858
49	HK$14,601	HK$18,350
50	HK$15,387	HK$18,792
51	HK$16,290	HK$19,339
52	HK$17,250	HK$19,898
53	HK$18,411	HK$20,600
54	HK$19,639	HK$21,333
55	HK$20,900	HK$22,032
56	HK$22,296	HK$22,799
57	HK$23,776	HK$23,619
58	HK$24,850	HK$24,310
59	HK$25,982	HK$25,045
60	HK$27,064	HK$25,721
61	HK$28,279	HK$26,504
62	HK$29,521	HK$27,316
63	HK$31,259	HK$28,286
64	HK$33,007	HK$29,297
65	HK$34,583	HK$30,104
66	HK$36,306	HK$31,196
67	HK$37,988	HK$32,307
68	HK$39,764	HK$34,002
69	HK$41,501	HK$35,754
70	HK$42,957	HK$37,294
71	HK$44,631	HK$39,501
72	HK$46,276	HK$41,810
73	HK$47,694	HK$43,072
74	HK$49,215	HK$44,414
75	HK$50,660	HK$45,708
76	HK$52,287	HK$47,511
77	HK$54,010	HK$49,330
78	HK$55,742	HK$51,820
79	HK$57,475	HK$54,320
80	HK$59,161	HK$56,751
81	HK$61,418	HK$58,708
82	HK$63,591	HK$60,559
83	HK$65,256	HK$62,568
84	HK$66,747	HK$64,478
85	HK$68,142	HK$66,368
86	HK$68,787	HK$67,601
87	HK$69,308	HK$68,729
88	HK$70,344	HK$69,847
89	HK$71,397	HK$70,946
90	HK$72,686	HK$72,398
91	HK$73,807	HK$73,532
92	HK$74,948	HK$74,675
93	HK$76,321	HK$75,724
94	HK$77,632	HK$76,700
95	HK$78,895	HK$77,645
96	HK$80,111	HK$78,502
97	HK$81,263	HK$79,299
98	HK$82,524	HK$80,133
99	HK$83,499	HK$80,799

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

Current page

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.