← Back to Vital Care Voluntary Health Insurance Flexi Plan series

VHIS Flexi · F00076-06-000-02

Vital Care Voluntary Health Insurance Flexi Plan - Silver level (HKD16,000 Deductible)

「愛 ‧ 護航」自願醫保靈活計劃 - 銀級（16,000港元自付費）

HSBC Life (International) Limited

Add to compare

Your premium

HK$6,568 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$16,000

Annual benefit limit

HK$25,000,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

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	$6,000 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
Cash Benefits
Lower ward class cash benefit 較低級別病房現金保障	$1,000 per day (maximum 10 days per Confinement)
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
$6,000 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

Cash Benefits

Lower ward class cash benefit
較低級別病房現金保障
$1,000 per day (maximum 10 days per Confinement)

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「愛 ‧ 護航」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。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/F00076/F00076-01-000-02-PlanDoc-c.pdf

Premium Schedule

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

Age	Premium
0	HK$4,947
1	HK$4,947
2	HK$4,947
3	HK$4,947
4	HK$4,947
5	HK$4,862
6	HK$4,862
7	HK$4,862
8	HK$4,862
9	HK$4,862
10	HK$4,833
11	HK$4,805
12	HK$4,776
13	HK$4,752
14	HK$4,732
15	HK$4,718
16	HK$4,717
17	HK$4,732
18	HK$4,766
19	HK$4,821
20	HK$4,896
21	HK$4,996
22	HK$5,118
23	HK$5,263
24	HK$5,427
25	HK$5,611
26	HK$5,809
27	HK$6,010
28	HK$6,210
29	HK$6,396
30	HK$6,568
31	HK$6,719
32	HK$6,848
33	HK$6,967
34	HK$7,088
35	HK$7,211
36	HK$7,349
37	HK$7,514
38	HK$7,712
39	HK$7,925
40	HK$8,156
41	HK$8,407
42	HK$8,680
43	HK$8,963
44	HK$9,277
45	HK$9,635
46	HK$10,037
47	HK$10,463
48	HK$10,927
49	HK$11,426
50	HK$11,951
51	HK$12,475
52	HK$13,064
53	HK$13,679
54	HK$14,352
55	HK$15,098
56	HK$15,976
57	HK$16,914
58	HK$18,015
59	HK$19,306
60	HK$20,746
61	HK$22,240
62	HK$23,890
63	HK$25,664
64	HK$27,514
65	HK$29,357
66	HK$31,298
67	HK$33,227
68	HK$35,076
69	HK$36,861
70	HK$38,662
71	HK$40,379
72	HK$41,964
73	HK$43,403
74	HK$44,673
75	HK$45,814
76	HK$46,875
77	HK$48,026
78	HK$49,369
79	HK$50,950
80	HK$52,866
81	HK$55,026
82	HK$57,452
83	HK$59,924
84	HK$62,153
85	HK$64,183
86	HK$66,156
87	HK$67,980
88	HK$69,997
89	HK$72,227
90	HK$74,551
91	HK$76,856
92	HK$79,015
93	HK$80,770
94	HK$82,367
95	HK$83,771
96	HK$85,021
97	HK$86,285
98	HK$87,689
99	HK$89,063

Other deductible options in this series

20 deductibles — same benefit schedule, premium scales with deductible

View details →

View details →

View details →

View details →

View details →

View details →

HK$16K

Current page

View details →

View details →

View details →

View details →

View details →

View details →

View details →

View details →

View details →

View details →

View details →

View details →

View details →

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Sep 22, 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.