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HSBC Voluntary Health Insurance One Plan - One Plan

滙豐自願醫保進階計劃 - 進階計劃

HSBC Voluntary Health Insurance One Plan - One Plan 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 FlexiF00079-01-000-01

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: —

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

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

Premium Schedule

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

Age	Male	Female
0	HK$3,324	HK$2,893
1	HK$3,324	HK$2,893
2	HK$3,324	HK$2,893
3	HK$3,324	HK$2,893
4	HK$3,324	HK$2,893
5	HK$2,011	HK$2,201
6	HK$2,011	HK$2,201
7	HK$2,011	HK$2,201
8	HK$2,011	HK$2,201
9	HK$1,953	HK$2,102
10	HK$1,953	HK$2,102
11	HK$1,953	HK$2,102
12	HK$1,953	HK$2,102
13	HK$1,953	HK$2,102
14	HK$1,953	HK$2,102
15	HK$1,953	HK$2,114
16	HK$1,953	HK$2,137
17	HK$1,953	HK$2,182
18	HK$1,953	HK$2,233
19	HK$1,980	HK$2,283
20	HK$2,013	HK$2,344
21	HK$2,045	HK$2,408
22	HK$2,078	HK$2,469
23	HK$2,109	HK$2,531
24	HK$2,141	HK$2,595
25	HK$2,192	HK$2,666
26	HK$2,236	HK$2,750
27	HK$2,281	HK$2,842
28	HK$2,339	HK$2,935
29	HK$2,409	HK$3,044
30	HK$2,473	HK$3,172
31	HK$2,530	HK$3,318
32	HK$2,588	HK$3,433
33	HK$2,647	HK$3,558
34	HK$2,711	HK$3,683
35	HK$2,776	HK$3,814
36	HK$2,846	HK$3,938
37	HK$2,929	HK$4,066
38	HK$3,020	HK$4,233
39	HK$3,150	HK$4,420
40	HK$3,290	HK$4,574
41	HK$3,418	HK$4,744
42	HK$3,560	HK$4,882
43	HK$3,722	HK$5,014
44	HK$3,887	HK$5,154
45	HK$4,054	HK$5,301
46	HK$4,220	HK$5,446
47	HK$4,388	HK$5,592
48	HK$4,572	HK$5,740
49	HK$4,768	HK$5,888
50	HK$4,984	HK$6,050
51	HK$5,213	HK$6,224
52	HK$5,488	HK$6,403
53	HK$5,807	HK$6,581
54	HK$6,122	HK$6,760
55	HK$6,452	HK$6,956
56	HK$6,802	HK$7,207
57	HK$7,166	HK$7,495
58	HK$7,565	HK$7,754
59	HK$7,933	HK$8,094
60	HK$8,332	HK$8,471
61	HK$8,779	HK$8,887
62	HK$9,251	HK$9,473
63	HK$9,756	HK$9,861
64	HK$10,388	HK$10,228
65	HK$11,059	HK$10,588
66	HK$11,695	HK$11,448
67	HK$12,183	HK$11,991
68	HK$12,688	HK$12,653
69	HK$13,216	HK$13,337
70	HK$13,790	HK$14,137
71	HK$14,369	HK$14,944
72	HK$14,954	HK$15,770
73	HK$15,617	HK$16,407
74	HK$15,937	HK$16,909
75	HK$16,207	HK$17,308
76	HK$16,397	HK$17,570
77	HK$16,530	HK$17,719
78	HK$16,608	HK$17,819
79	HK$16,675	HK$17,911
80	HK$16,749	HK$18,007
81	HK$16,821	HK$18,096
82	HK$16,895	HK$18,173
83	HK$16,971	HK$18,228
84	HK$17,034	HK$18,290
85	HK$17,103	HK$18,362
86	HK$17,172	HK$18,434
87	HK$17,240	HK$18,508
88	HK$17,310	HK$18,580
89	HK$17,377	HK$18,655
90	HK$17,462	HK$18,747
91	HK$17,550	HK$18,842
92	HK$17,637	HK$18,935
93	HK$17,725	HK$19,028
94	HK$17,813	HK$19,120
95	HK$17,903	HK$19,217
96	HK$17,992	HK$19,312
97	HK$18,081	HK$19,405
98	HK$18,168	HK$19,503
99	HK$18,256	HK$19,599

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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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

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