Health Essential Medical Plan - Standard

「摯健樂」醫療計劃 – 基本

Health Essential Medical Plan - Standard is a VHIS Standard plan offered by Hong Kong Life Insurance Limited, with ward class N/A (capped), Worldwide coverage and HK$420,000 annual benefit limit. Latest plan-document version: Sep 29, 2025.

01 · Plan at a glanceQuote a premium by age, gender and smoking status

Your premium

HK$2,568 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

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 25 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	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% 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
Event Benefits
Compassionate death benefit 恩恤身故保障	$10,000

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 25 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
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% 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

Event Benefits

Compassionate death benefit
恩恤身故保障
$10,000

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$4,282	HK$3,422
1	HK$3,684	HK$2,886
2	HK$3,480	HK$2,696
3	HK$3,043	HK$2,428
4	HK$2,751	HK$2,158
5	HK$2,510	HK$2,095
6	HK$2,317	HK$1,918
7	HK$2,174	HK$1,793
8	HK$2,072	HK$1,733
9	HK$1,923	HK$1,673
10	HK$1,818	HK$1,635
11	HK$1,755	HK$1,635
12	HK$1,725	HK$1,672
13	HK$1,643	HK$1,733
14	HK$1,657	HK$1,820
15	HK$1,693	HK$1,839
16	HK$1,721	HK$1,851
17	HK$1,746	HK$1,868
18	HK$1,762	HK$1,915
19	HK$1,804	HK$2,031
20	HK$1,848	HK$2,148
21	HK$1,889	HK$2,263
22	HK$1,931	HK$2,376
23	HK$1,994	HK$2,476
24	HK$2,055	HK$2,574
25	HK$2,172	HK$2,763
26	HK$2,285	HK$2,952
27	HK$2,399	HK$3,137
28	HK$2,458	HK$3,217
29	HK$2,514	HK$3,298
30	HK$2,568	HK$3,374
31	HK$2,621	HK$3,452
32	HK$2,670	HK$3,525
33	HK$2,755	HK$3,669
34	HK$2,844	HK$3,818
35	HK$2,932	HK$3,974
36	HK$3,028	HK$4,137
37	HK$3,128	HK$4,308
38	HK$3,211	HK$4,457
39	HK$3,308	HK$4,615
40	HK$3,410	HK$4,785
41	HK$3,521	HK$4,959
42	HK$3,645	HK$5,144
43	HK$3,799	HK$5,306
44	HK$3,968	HK$5,476
45	HK$4,154	HK$5,656
46	HK$4,362	HK$5,838
47	HK$4,592	HK$6,023
48	HK$4,824	HK$6,186
49	HK$5,079	HK$6,351
50	HK$5,354	HK$6,526
51	HK$5,653	HK$6,706
52	HK$5,978	HK$6,895
53	HK$6,365	HK$7,132
54	HK$6,777	HK$7,379
55	HK$7,214	HK$7,637
56	HK$7,682	HK$7,896
57	HK$8,181	HK$8,172
58	HK$8,533	HK$8,406
59	HK$8,906	HK$8,654
60	HK$9,293	HK$8,904
61	HK$9,697	HK$9,170
62	HK$10,108	HK$9,445
63	HK$10,684	HK$9,774
64	HK$11,262	HK$10,118
65	HK$11,841	HK$10,472
66	HK$12,407	HK$10,845
67	HK$12,958	HK$11,229
68	HK$13,546	HK$11,817
69	HK$14,130	HK$12,422
70	HK$14,701	HK$13,039
71	HK$15,268	HK$13,802
72	HK$15,828	HK$14,603
73	HK$16,309	HK$15,035
74	HK$16,823	HK$15,495
75	HK$17,372	HK$15,986
76	HK$17,928	HK$16,609
77	HK$18,518	HK$17,241
78	HK$19,125	HK$18,105
79	HK$19,731	HK$18,977
80	HK$20,349	HK$19,840
81	HK$21,145	HK$20,526
82	HK$21,918	HK$21,180
83	HK$22,535	HK$21,903
84	HK$23,100	HK$22,595
85	HK$23,602	HK$23,249
86	HK$23,888	HK$23,714
87	HK$24,138	HK$24,149
88	HK$24,575	HK$24,585
89	HK$25,027	HK$25,022
90	HK$25,493	HK$25,477
91	HK$25,994	HK$25,944
92	HK$26,516	HK$26,423
93	HK$27,135	HK$26,882
94	HK$27,754	HK$27,327
95	HK$28,378	HK$27,775
96	HK$29,007	HK$28,206
97	HK$29,639	HK$28,635
98	HK$30,340	HK$29,094
99	HK$30,968	HK$29,514

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

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: 2026-04-17