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VHIS Flexi · F00049-04-000-03

HSBC Voluntary Health Insurance Flexi Plan - Bronze level (HKD100,000 Deductible)

滙豐自願醫保靈活計劃 - 銅級（100,000港元自付費）

HSBC Life (International) Limited

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Your premium

HK$2,333 /yr

age

Ward class

Ward

Coverage region

Greater China

Deductible

HK$100,000

Annual benefit limit

HK$5,000,000

Per-illness annual limit

—

Lifetime benefit limit

HK$20,000,000

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	Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges (b) 雜項開支	Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)R&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee (d) 專科醫生費	Full reimbursement of Eligible ExpensesR&C
(e) Intensive care (e) 深切治療	Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee (f) 外科醫生費	Full reimbursement of Eligible Expenses regardless of surgical categoryR&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges (h) 手術室費	Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	Full reimbursement of Eligible ExpensesR&C
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	Full reimbursement of Eligible ExpensesR&C
(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	Full reimbursement of Eligible Expenses, for the consultations specified below:• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)R&C
(l) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year
Extra Benefits
Post-Confinement / Day Case Procedure auxiliary therapy 出院後 / 日間手術後的門診物理治療	$3,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure, payable only when benefit item (k) limit is exhausted, up to 1 per day)
Medical implants / prosthetic devices 醫療植入裝置	Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy YearR&C
Hospital companion bed fee reimbursement 住院陪床	Full reimbursement of Eligible ExpensesR&C
Outpatient kidney dialysis 門診洗腎	Full reimbursement of Eligible ExpensesR&C
Daily post-surgery home nursing benefit 家中看護	Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)R&C
Organ transplant donor benefit 器官移植的捐贈者保障	30% of the total organ transplant cost
Reconstructive surgery for specified conditions 指定重建手術保障	Full reimbursement of Eligible ExpensesR&C
Histotripsy treatment for liver cancer benefit 組織碎化技術的肝癌治療保障	Full reimbursement of Eligible ExpensesR&C
Private nursing fee (during Confinement) 私人看護	Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)R&C
Cancer / cardiac / stroke rehabilitation benefit 復康保障	$80,000 per Policy Year, maximum 90 days per Policy Year
Emergency outpatient treatment for Accident 意外急症門診治療	Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C
Event Benefits
Compassionate death benefit 恩恤身故賠償	$10,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges
(b) 雜項開支
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit (II) Medical Implant Devices)R&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee
(d) 專科醫生費
Full reimbursement of Eligible ExpensesR&C
(e) Intensive care
(e) 深切治療
Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee
(f) 外科醫生費
Full reimbursement of Eligible Expenses regardless of surgical categoryR&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges
(h) 手術室費
Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
Full reimbursement of Eligible ExpensesR&C
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
Full reimbursement of Eligible ExpensesR&C
(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
Full reimbursement of Eligible Expenses, for the consultations specified below:• 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure• All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure• All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure• All follow-up outpatient visits after surgeries categorised as Major or Complex performed during Confinement (within 180 days after discharge from Hospital)R&C
(l) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year

Extra Benefits

Post-Confinement / Day Case Procedure auxiliary therapy
出院後 / 日間手術後的門診物理治療
$3,000 per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure, payable only when benefit item (k) limit is exhausted, up to 1 per day)
Medical implants / prosthetic devices
醫療植入裝置
Specified items: Full reimbursement of Eligible Expenses; other items: $150,000 per Policy YearR&C
Hospital companion bed fee reimbursement
住院陪床
Full reimbursement of Eligible ExpensesR&C
Outpatient kidney dialysis
門診洗腎
Full reimbursement of Eligible ExpensesR&C
Daily post-surgery home nursing benefit
家中看護
Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital or completion of Day Case Procedure; limited to home nursing services provided by 1 qualified nurse per day, maximum 90 days per Policy Year)R&C
Organ transplant donor benefit
器官移植的捐贈者保障
30% of the total organ transplant cost
Reconstructive surgery for specified conditions
指定重建手術保障
Full reimbursement of Eligible ExpensesR&C
Histotripsy treatment for liver cancer benefit
組織碎化技術的肝癌治療保障
Full reimbursement of Eligible ExpensesR&C
Private nursing fee (during Confinement)
私人看護
Full reimbursement of Eligible Expenses (limited to private nursing services provided by 1 qualified nurse per day, maximum 30 days per Policy Year)R&C
Cancer / cardiac / stroke rehabilitation benefit
復康保障
$80,000 per Policy Year, maximum 90 days per Policy Year
Emergency outpatient treatment for Accident
意外急症門診治療
Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C

Event Benefits

Compassionate death benefit
恩恤身故賠償
$10,000

No-Claim Bonus

Renewal premium discount earned by staying claim-free

Discount netted off renewal premium

Discount schedule

Consecutive claim-free years	Discount
3 yrs	5%
4 yrs	10%
5 yrs	15%

Verbatim clause

無索償折扣批註本批註附屬並構成滙豐自願醫保靈活計劃(「本計劃」)的條款及保障一部分。 (1) 無索償折扣將會由合資格保單年度的續保日起從本計劃的年繳保費中扣除，惟前提是在緊接著該續保日前的指明期間（於下文第(4) 節表格內定義的「無索償期」) 內，並根據本計劃內所有條款下： (a) 本計劃持續生效；及 (b) 除了額外保障條文批註第(3)(III) 節之身體檢查保障外，本公司從沒有按本計劃支付賠償。為免存疑，如有保障須作賠償但由於自付費的原因而沒有實際支付，該有關保單年度依然不會被計算在無索償期內。 (2) 根據本條款及保障的標準保費及任何附加保費應付的保費徵費(由保險業監管局徵收)，將於扣除本批註的所有折扣後計算。 (3) 無索償折扣相等於適用的無索償折扣百分比(列於下文第(4)節表格內定義的「無索償折扣百分比」)乘以本計劃在緊接著該續保日前的保單年度的年繳保費（該年繳保費為扣除無索償折扣前，家庭折扣後及包括附加保費(如有)後的保費）。 (4) 根據以下表格，適用的無索償折扣百分比將取決於無索償期的時間長短：緊接續保日前的無索償期無索償折扣百分比連續三 (3)個保單年度百分之五 5% 連續四 (4)個保單年度百分之十 10% 連續五 (5)個或以上保單年度百分之十五 15% (5) 在扣除無索償折扣後，若本公司須就前五(5)個保單年度內產生的索償按本計劃支付賠償，則無索償折扣應根據有關賠付後而重新計算，及保單持有人須立即向本公司交回實際提供予保單持有人的無索償折扣與重新計算的無索償折扣金額之間的差額。 (6) 為免存疑，決定無索償折扣時將按產生醫療費用的保單年度為基準，而並非按入院或出院時的保單年度。由滙豐人壽保險（國際）有限公司（註冊成立於百慕達之有限公司）刊發

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00049/F00049-01-000-03-PlanDoc-c.pdf

Premium Schedule

Annual premium · Single rate (gender / smoking agnostic) · HKD

Age	Premium
0	HK$1,845
1	HK$1,845
2	HK$1,845
3	HK$1,845
4	HK$1,845
5	HK$1,729
6	HK$1,729
7	HK$1,729
8	HK$1,729
9	HK$1,729
10	HK$1,824
11	HK$1,824
12	HK$1,824
13	HK$1,824
14	HK$1,853
15	HK$1,853
16	HK$1,853
17	HK$1,853
18	HK$1,853
19	HK$1,861
20	HK$1,905
21	HK$1,937
22	HK$1,977
23	HK$2,018
24	HK$2,063
25	HK$2,107
26	HK$2,153
27	HK$2,198
28	HK$2,243
29	HK$2,287
30	HK$2,333
31	HK$2,382
32	HK$2,438
33	HK$2,500
34	HK$2,573
35	HK$2,651
36	HK$2,739
37	HK$2,837
38	HK$2,945
39	HK$3,062
40	HK$3,213
41	HK$3,365
42	HK$3,516
43	HK$3,669
44	HK$3,823
45	HK$3,960
46	HK$4,110
47	HK$4,275
48	HK$4,457
49	HK$4,688
50	HK$4,940
51	HK$5,203
52	HK$5,485
53	HK$5,790
54	HK$6,129
55	HK$6,498
56	HK$6,913
57	HK$7,383
58	HK$7,909
59	HK$8,445
60	HK$9,034
61	HK$9,655
62	HK$10,303
63	HK$10,973
64	HK$11,660
65	HK$12,362
66	HK$13,067
67	HK$13,758
68	HK$14,435
69	HK$15,101
70	HK$15,753
71	HK$16,454
72	HK$17,156
73	HK$17,890
74	HK$18,663
75	HK$19,476
76	HK$20,284
77	HK$21,164
78	HK$22,100
79	HK$23,084
80	HK$24,113
81	HK$25,184
82	HK$26,287
83	HK$27,465
84	HK$28,542
85	HK$29,619
86	HK$30,723
87	HK$31,865
88	HK$33,065
89	HK$34,330
90	HK$35,655
91	HK$36,929
92	HK$38,198
93	HK$39,441
94	HK$40,649
95	HK$41,841
96	HK$43,055
97	HK$44,325
98	HK$45,671
99	HK$47,154

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20 deductibles — same benefit schedule, premium scales with deductible

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HK$100K

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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: Apr 16, 2025
Last verified: 2026-04-17

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.