VHIS Prestige Care - Plan A

自願醫保計劃-優健保 - 計劃 A

MSIG Insurance (Hong Kong) Limited

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Your premium

HK$6,966 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

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Annual benefit limit

HK$500,000

Per-illness annual limit

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Lifetime benefit limit

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SMM Supplemental Major Medical

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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	$2,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	Full reimbursement of Eligible ExpensesR&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$2,000 per day, maximum 180 days per Policy Year
(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
Surgeon's fee — Minor 外科醫生費 — 小型	$32,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$80,000
Surgeon's fee — Major 外科醫生費 — 大型	$160,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$320,000
(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 20% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$100,000 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	$800 per visit, $4,000 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
Hospital companion bed fee reimbursement 加床費用	Full reimbursement of Eligible ExpensesR&C
Private nursing fee (during Confinement) 私家看護	Full reimbursement of Eligible Expenses, maximum 180 days per Policy YearR&C
Outpatient kidney dialysis 非住院洗腎費用	$100,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit 手術及癌症復康保障	Subject to 20% Coinsurance. $600, per visit; for each of the following services, maximum 5 visits per Policy Year(i) Psychological counselling (consultation fee only);(ii) Dietitian consultation (consultation fee only);(iii) Speech therapy (treatment fee only);(iv) Occupational therapy (treatment fee only);(v) Chinese medicine and acupuncture treatments
Emergency overseas medical supplementary benefit 海外緊急醫療額外保障	Not applicable
Cash Benefits
Day surgery cash benefit 日間手術現金津貼	$1,000 per Day Case Procedure
Second-claim cash allowanceAfter other pays 第二索償現金津貼保障	$1,000 per claim

Basic Benefits

(a) Room and board
(a) 病房及膳食
$2,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
Full reimbursement of Eligible ExpensesR&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$2,000 per day, maximum 180 days per Policy Year
(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
Surgeon's fee — Minor
外科醫生費 — 小型
$32,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$80,000
Surgeon's fee — Major
外科醫生費 — 大型
$160,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$320,000
(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 20% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$100,000 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
$800 per visit, $4,000 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

Hospital companion bed fee reimbursement
加床費用
Full reimbursement of Eligible ExpensesR&C
Private nursing fee (during Confinement)
私家看護
Full reimbursement of Eligible Expenses, maximum 180 days per Policy YearR&C
Outpatient kidney dialysis
非住院洗腎費用
$100,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit
手術及癌症復康保障
Subject to 20% Coinsurance. $600, per visit; for each of the following services, maximum 5 visits per Policy Year(i) Psychological counselling (consultation fee only);(ii) Dietitian consultation (consultation fee only);(iii) Speech therapy (treatment fee only);(iv) Occupational therapy (treatment fee only);(v) Chinese medicine and acupuncture treatments
Emergency overseas medical supplementary benefit
海外緊急醫療額外保障
Not applicable

Cash Benefits

Day surgery cash benefit
日間手術現金津貼
$1,000 per Day Case Procedure
Second-claim cash allowanceAfter other pays
第二索償現金津貼保障
$1,000 per claim

Premium Schedule

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

Age	Premium
0	HK$5,292
1	HK$5,292
2	HK$5,292
3	HK$5,292
4	HK$5,292
5	HK$5,292
6	HK$5,292
7	HK$4,806
8	HK$4,806
9	HK$4,806
10	HK$4,806
11	HK$4,806
12	HK$4,806
13	HK$4,806
14	HK$4,806
15	HK$4,806
16	HK$4,806
17	HK$4,806
18	HK$6,966
19	HK$6,966
20	HK$6,966
21	HK$6,966
22	HK$6,966
23	HK$6,966
24	HK$6,966
25	HK$6,966
26	HK$6,966
27	HK$6,966
28	HK$6,966
29	HK$6,966
30	HK$6,966
31	HK$8,316
32	HK$8,316
33	HK$8,316
34	HK$8,316
35	HK$8,316
36	HK$8,316
37	HK$8,316
38	HK$8,316
39	HK$8,316
40	HK$8,316
41	HK$11,124
42	HK$11,124
43	HK$11,124
44	HK$11,124
45	HK$11,124
46	HK$11,124
47	HK$11,124
48	HK$11,124
49	HK$11,124
50	HK$11,124
51	HK$15,822
52	HK$15,822
53	HK$15,822
54	HK$15,822
55	HK$15,822
56	HK$15,822
57	HK$15,822
58	HK$15,822
59	HK$15,822
60	HK$15,822
61	HK$25,974
62	HK$25,974
63	HK$25,974
64	HK$25,974
65	HK$25,974
66	HK$25,974
67	HK$25,974
68	HK$25,974
69	HK$25,974
70	HK$25,974
71	HK$32,292
72	HK$32,292
73	HK$32,292
74	HK$32,292
75	HK$32,292
76	HK$32,292
77	HK$32,292
78	HK$32,292
79	HK$32,292
80	HK$32,292
81	HK$33,210
82	HK$33,210
83	HK$33,210
84	HK$33,210
85	HK$33,210
86	HK$33,210
87	HK$33,210
88	HK$33,210
89	HK$33,210
90	HK$33,210
91	HK$33,210
92	HK$33,210
93	HK$33,210
94	HK$33,210
95	HK$33,210
96	HK$33,210
97	HK$33,210
98	HK$33,210
99	HK$33,210

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

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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 1, 2021
Last verified: 2026-04-25

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.