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VHIS Flexi · F00039-03-001-02

Health Supreme Medical Plan - Plan III with SMM

「倍健樂」醫療計劃 - 計劃 III+額外醫療保障

Hong Kong Life Insurance Limited

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Your premium

HK$11,431 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$1,200,000

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	$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
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	$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)
Daily post-surgery home nursing benefit 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
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
$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)
Daily post-surgery home nursing benefit
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$20,192	HK$16,257
1	HK$17,212	HK$13,502
2	HK$15,081	HK$11,718
3	HK$13,092	HK$9,727
4	HK$11,755	HK$8,581
5	HK$10,572	HK$7,535
6	HK$9,695	HK$6,846
7	HK$9,027	HK$6,351
8	HK$8,546	HK$6,101
9	HK$7,877	HK$5,864
10	HK$7,419	HK$5,739
11	HK$7,144	HK$5,747
12	HK$7,019	HK$5,897
13	HK$6,980	HK$6,249
14	HK$7,056	HK$6,707
15	HK$7,184	HK$7,140
16	HK$7,435	HK$7,782
17	HK$7,583	HK$8,122
18	HK$7,789	HK$8,602
19	HK$8,008	HK$9,163
20	HK$8,188	HK$9,595
21	HK$8,407	HK$10,151
22	HK$8,625	HK$10,704
23	HK$8,937	HK$11,185
24	HK$9,239	HK$11,660
25	HK$9,695	HK$12,462
26	HK$10,224	HK$13,347
27	HK$10,761	HK$14,217
28	HK$11,052	HK$14,610
29	HK$11,318	HK$15,002
30	HK$11,431	HK$15,063
31	HK$11,679	HK$15,447
32	HK$11,920	HK$15,800
33	HK$12,321	HK$16,470
34	HK$12,742	HK$17,170
35	HK$13,002	HK$17,745
36	HK$13,453	HK$18,500
37	HK$13,906	HK$19,300
38	HK$14,303	HK$19,992
39	HK$14,758	HK$20,729
40	HK$15,190	HK$21,554
41	HK$15,714	HK$22,365
42	HK$16,292	HK$23,229
43	HK$17,019	HK$23,989
44	HK$17,816	HK$24,793
45	HK$18,507	HK$25,352
46	HK$19,484	HK$26,209
47	HK$20,565	HK$27,082
48	HK$21,667	HK$27,855
49	HK$22,873	HK$28,646
50	HK$24,028	HK$29,256
51	HK$25,467	HK$30,142
52	HK$27,001	HK$31,045
53	HK$28,833	HK$32,167
54	HK$30,781	HK$33,344
55	HK$32,712	HK$34,511
56	HK$34,924	HK$35,746
57	HK$37,280	HK$37,061
58	HK$38,980	HK$38,184
59	HK$40,770	HK$39,371
60	HK$42,370	HK$40,412
61	HK$44,294	HK$41,683
62	HK$46,264	HK$42,991
63	HK$48,999	HK$44,550
64	HK$51,758	HK$46,172
65	HK$53,802	HK$47,103
66	HK$56,518	HK$48,855
67	HK$59,161	HK$50,644
68	HK$61,954	HK$53,344
69	HK$64,684	HK$56,135
70	HK$66,516	HK$58,186
71	HK$69,137	HK$61,697
72	HK$71,711	HK$65,370
73	HK$73,920	HK$67,391
74	HK$76,287	HK$69,537
75	HK$78,205	HK$71,289
76	HK$80,731	HK$74,150
77	HK$83,399	HK$77,037
78	HK$86,102	HK$80,956
79	HK$88,787	HK$84,899
80	HK$91,374	HK$88,847
81	HK$94,845	HK$91,923
82	HK$98,177	HK$94,824
83	HK$100,755	HK$98,002
84	HK$103,038	HK$101,011
85	HK$105,319	HK$104,236
86	HK$106,257	HK$106,151
87	HK$106,975	HK$107,885
88	HK$108,461	HK$109,583
89	HK$109,949	HK$111,235
90	HK$112,184	HK$114,037
91	HK$113,702	HK$115,687
92	HK$115,211	HK$117,322
93	HK$117,025	HK$118,779
94	HK$118,696	HK$120,080
95	HK$120,217	HK$121,295
96	HK$121,622	HK$122,326
97	HK$122,850	HK$123,215
98	HK$124,169	HK$124,107
99	HK$124,975	HK$124,673

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

View details →

III with SMM

Current page

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.