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HSBC Voluntary Health Insurance One Plan - One Plan with SMM

滙豐自願醫保進階計劃 - 進階計劃連同額外醫療保障

HSBC Voluntary Health Insurance One Plan - One Plan with SMM is a VHIS Flexi plan offered by HSBC Life (International) Limited, with ward class Ward, Worldwide (including United States) coverage and no overall annual benefit limit. Latest plan-document version: Jun 23, 2025.

VHIS FlexiF00079-01-001-01

Plan at a glance

Ward class: Ward
Coverage region: Worldwide (including United States)
Deductible: —
Annual benefit limit: No cap
Per-illness annual limit: —
Lifetime benefit limit: —
SMM Supplemental Major Medical: HK$120,000／per policy year, 20% coinsurance

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	$1,000 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	$1,000 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	$4,000 per day, maximum 90 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, up to $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 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
Extra Benefits
Outpatient kidney dialysis 門診洗腎	$50,000 per Policy Year
Emergency outpatient treatment for Accident 意外急症門診治療	$5,000 per Policy Year within 24 hours of the Accident
Reconstructive surgery for specified conditions 指定重建手術保障	Eligible Expenses for reconstructive surgery shall be covered and reimbursed according to benefit items (a) – (c), (e) – (i) up to their respective benefit limits
Event Benefits
Medical accident and incident extension benefit 醫療疏忽事故保障	$60,000 per policy
Compassionate death benefit 恩恤身故賠償	$10,000 per policy. Supplemental Major Medical Benefits (Confinement only): $120,000 per Policy Year

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,000 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
$1,000 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
$4,000 per day, maximum 90 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, up to $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 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

Extra Benefits

Outpatient kidney dialysis
門診洗腎
$50,000 per Policy Year
Emergency outpatient treatment for Accident
意外急症門診治療
$5,000 per Policy Year within 24 hours of the Accident
Reconstructive surgery for specified conditions
指定重建手術保障
Eligible Expenses for reconstructive surgery shall be covered and reimbursed according to benefit items (a) – (c), (e) – (i) up to their respective benefit limits

Event Benefits

Medical accident and incident extension benefit
醫療疏忽事故保障
$60,000 per policy
Compassionate death benefit
恩恤身故賠償
$10,000 per policy. Supplemental Major Medical Benefits (Confinement only): $120,000 per Policy Year

Premium Schedule

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

Age	Male	Female
0	HK$4,538	HK$3,974
1	HK$4,538	HK$3,974
2	HK$4,538	HK$3,974
3	HK$4,538	HK$3,974
4	HK$4,538	HK$3,974
5	HK$3,150	HK$3,368
6	HK$3,150	HK$3,368
7	HK$3,150	HK$3,368
8	HK$3,150	HK$3,247
9	HK$3,089	HK$3,117
10	HK$3,086	HK$3,086
11	HK$3,148	HK$3,061
12	HK$3,154	HK$3,037
13	HK$3,159	HK$3,028
14	HK$3,164	HK$3,051
15	HK$3,170	HK$3,084
16	HK$3,175	HK$3,139
17	HK$3,181	HK$3,206
18	HK$3,186	HK$3,282
19	HK$3,218	HK$3,365
20	HK$3,289	HK$3,487
21	HK$3,354	HK$3,633
22	HK$3,418	HK$3,751
23	HK$3,484	HK$3,884
24	HK$3,549	HK$4,006
25	HK$3,615	HK$4,118
26	HK$3,676	HK$4,256
27	HK$3,743	HK$4,396
28	HK$3,845	HK$4,552
29	HK$3,976	HK$4,726
30	HK$4,088	HK$4,905
31	HK$4,178	HK$5,103
32	HK$4,267	HK$5,263
33	HK$4,348	HK$5,414
34	HK$4,442	HK$5,564
35	HK$4,548	HK$5,723
36	HK$4,655	HK$5,880
37	HK$4,788	HK$6,039
38	HK$4,954	HK$6,253
39	HK$5,162	HK$6,502
40	HK$5,377	HK$6,723
41	HK$5,558	HK$6,961
42	HK$5,745	HK$7,164
43	HK$5,971	HK$7,355
44	HK$6,220	HK$7,543
45	HK$6,486	HK$7,760
46	HK$6,752	HK$7,993
47	HK$7,029	HK$8,250
48	HK$7,337	HK$8,517
49	HK$7,669	HK$8,789
50	HK$8,031	HK$9,087
51	HK$8,412	HK$9,402
52	HK$8,843	HK$9,730
53	HK$9,310	HK$10,067
54	HK$9,779	HK$10,434
55	HK$10,267	HK$10,857
56	HK$10,774	HK$11,372
57	HK$11,298	HK$11,854
58	HK$11,955	HK$12,342
59	HK$12,493	HK$12,968
60	HK$13,087	HK$13,589
61	HK$13,725	HK$14,262
62	HK$14,444	HK$15,171
63	HK$15,210	HK$15,902
64	HK$16,169	HK$16,632
65	HK$17,188	HK$17,377
66	HK$18,314	HK$18,577
67	HK$19,265	HK$19,405
68	HK$20,125	HK$20,365
69	HK$21,025	HK$21,512
70	HK$21,921	HK$22,719
71	HK$22,839	HK$24,014
72	HK$23,774	HK$25,329
73	HK$24,862	HK$26,533
74	HK$25,592	HK$27,562
75	HK$25,932	HK$28,045
76	HK$26,174	HK$28,361
77	HK$26,360	HK$28,564
78	HK$26,490	HK$28,718
79	HK$26,609	HK$28,865
80	HK$26,733	HK$29,015
81	HK$26,840	HK$29,148
82	HK$26,956	HK$29,265
83	HK$27,074	HK$29,366
84	HK$27,177	HK$29,474
85	HK$27,289	HK$29,589
86	HK$27,398	HK$29,709
87	HK$27,505	HK$29,824
88	HK$27,620	HK$29,942
89	HK$27,724	HK$30,062
90	HK$27,864	HK$30,209
91	HK$28,001	HK$30,366
92	HK$28,138	HK$30,515
93	HK$28,280	HK$30,665
94	HK$28,423	HK$30,817
95	HK$28,561	HK$30,973
96	HK$28,708	HK$31,125
97	HK$28,850	HK$31,279
98	HK$28,994	HK$31,437
99	HK$29,133	HK$31,591

How to apply for this plan

This plan is offered by HSBC Life (International) Limited. To apply, contact HSBC Life (International) Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
Benefit schedule PDF Premium table PDF

This site's licensed insurance agent can only arrange FWD plans.

Other deductible options in this series

2 deductibles — same benefit schedule, premium scales with deductible

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with SMM

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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: Jun 23, 2025
Plan data updated: 2026-04-25

HSBC Voluntary Health Insurance One Plan - One Plan with SMM

Plan at a glance

Benefits

Premium Schedule

How to apply for this plan

Other deductible options in this series

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款