HSBC Voluntary Health Insurance Standard Plan

滙豐自願醫保標準計劃

HSBC Voluntary Health Insurance Standard Plan is a VHIS Standard plan offered by HSBC Life (International) Limited, with ward class N/A (capped), Worldwide coverage and HK$420,000 annual benefit limit. Latest plan-document version: Mar 29, 2021.

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

Your premium

HK$2,096 /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 恩恤身故賠償	$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
恩恤身故賠償
$10,000

Premium Schedule

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

Age	Male	Female
0	HK$2,974	HK$2,673
1	HK$2,974	HK$2,673
2	HK$2,974	HK$2,673
3	HK$2,974	HK$2,673
4	HK$2,974	HK$2,673
5	HK$1,671	HK$1,722
6	HK$1,671	HK$1,722
7	HK$1,671	HK$1,722
8	HK$1,671	HK$1,722
9	HK$1,671	HK$1,722
10	HK$1,448	HK$1,722
11	HK$1,470	HK$1,722
12	HK$1,491	HK$1,722
13	HK$1,513	HK$1,722
14	HK$1,535	HK$1,722
15	HK$1,556	HK$1,722
16	HK$1,578	HK$1,794
17	HK$1,600	HK$1,823
18	HK$1,621	HK$1,850
19	HK$1,643	HK$1,878
20	HK$1,664	HK$1,906
21	HK$1,686	HK$1,934
22	HK$1,708	HK$1,961
23	HK$1,729	HK$1,990
24	HK$1,751	HK$2,017
25	HK$1,773	HK$2,045
26	HK$1,845	HK$2,073
27	HK$1,907	HK$2,101
28	HK$1,982	HK$2,128
29	HK$2,041	HK$2,157
30	HK$2,096	HK$2,184
31	HK$2,146	HK$2,238
32	HK$2,202	HK$2,302
33	HK$2,247	HK$2,423
34	HK$2,309	HK$2,454
35	HK$2,384	HK$2,490
36	HK$2,470	HK$2,532
37	HK$2,560	HK$2,575
38	HK$2,705	HK$2,725
39	HK$2,823	HK$2,883
40	HK$2,995	HK$3,046
41	HK$3,133	HK$3,214
42	HK$3,269	HK$3,387
43	HK$3,435	HK$3,529
44	HK$3,598	HK$3,691
45	HK$3,765	HK$3,865
46	HK$3,865	HK$4,054
47	HK$3,978	HK$4,239
48	HK$4,128	HK$4,499
49	HK$4,234	HK$4,739
50	HK$4,493	HK$4,978
51	HK$4,766	HK$5,217
52	HK$5,035	HK$5,457
53	HK$5,286	HK$5,696
54	HK$5,551	HK$5,936
55	HK$5,836	HK$6,175
56	HK$6,141	HK$6,413
57	HK$6,476	HK$6,653
58	HK$6,943	HK$6,892
59	HK$7,422	HK$7,132
60	HK$7,887	HK$7,371
61	HK$8,334	HK$7,610
62	HK$8,765	HK$7,850
63	HK$9,121	HK$8,195
64	HK$9,477	HK$8,652
65	HK$9,850	HK$9,164
66	HK$10,239	HK$9,734
67	HK$10,644	HK$10,266
68	HK$11,081	HK$10,816
69	HK$11,759	HK$11,353
70	HK$12,468	HK$11,916
71	HK$13,224	HK$12,521
72	HK$14,016	HK$13,212
73	HK$14,679	HK$13,745
74	HK$15,023	HK$14,165
75	HK$15,307	HK$14,499
76	HK$15,516	HK$14,732
77	HK$15,657	HK$14,871
78	HK$15,761	HK$14,970
79	HK$15,880	HK$15,069
80	HK$15,902	HK$15,165
81	HK$15,923	HK$15,262
82	HK$15,945	HK$15,357
83	HK$16,010	HK$15,449
84	HK$16,072	HK$15,548
85	HK$16,135	HK$15,660
86	HK$16,202	HK$15,782
87	HK$16,265	HK$15,916
88	HK$16,331	HK$16,066
89	HK$16,413	HK$16,231
90	HK$16,494	HK$16,312
91	HK$16,578	HK$16,394
92	HK$16,659	HK$16,475
93	HK$16,741	HK$16,555
94	HK$16,826	HK$16,639
95	HK$16,909	HK$16,722
96	HK$16,991	HK$16,803
97	HK$17,077	HK$16,888
98	HK$17,162	HK$16,972
99	HK$17,248	HK$17,056

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: Mar 29, 2021
Last verified: 2026-04-17