VHIS Prestige Care - Plan A with SMM

自願醫保計劃-優健保 - 計劃 A+附加額外醫療保障

MSIG Insurance (Hong Kong) Limited

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Your premium

HK$9,018 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$500,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

HK$200,000／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	$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$6,804
1	HK$6,804
2	HK$6,804
3	HK$6,804
4	HK$6,804
5	HK$6,804
6	HK$6,804
7	HK$6,210
8	HK$6,210
9	HK$6,210
10	HK$6,210
11	HK$6,210
12	HK$6,210
13	HK$6,210
14	HK$6,210
15	HK$6,210
16	HK$6,210
17	HK$6,210
18	HK$9,018
19	HK$9,018
20	HK$9,018
21	HK$9,018
22	HK$9,018
23	HK$9,018
24	HK$9,018
25	HK$9,018
26	HK$9,018
27	HK$9,018
28	HK$9,018
29	HK$9,018
30	HK$9,018
31	HK$10,746
32	HK$10,746
33	HK$10,746
34	HK$10,746
35	HK$10,746
36	HK$10,746
37	HK$10,746
38	HK$10,746
39	HK$10,746
40	HK$10,746
41	HK$14,256
42	HK$14,256
43	HK$14,256
44	HK$14,256
45	HK$14,256
46	HK$14,256
47	HK$14,256
48	HK$14,256
49	HK$14,256
50	HK$14,256
51	HK$20,304
52	HK$20,304
53	HK$20,304
54	HK$20,304
55	HK$20,304
56	HK$20,304
57	HK$20,304
58	HK$20,304
59	HK$20,304
60	HK$20,304
61	HK$33,156
62	HK$33,156
63	HK$33,156
64	HK$33,156
65	HK$33,156
66	HK$33,156
67	HK$33,156
68	HK$33,156
69	HK$33,156
70	HK$33,156
71	HK$41,202
72	HK$41,202
73	HK$41,202
74	HK$41,202
75	HK$41,202
76	HK$41,202
77	HK$41,202
78	HK$41,202
79	HK$41,202
80	HK$41,202
81	HK$42,444
82	HK$42,444
83	HK$42,444
84	HK$42,444
85	HK$42,444
86	HK$42,444
87	HK$42,444
88	HK$42,444
89	HK$42,444
90	HK$42,444
91	HK$42,444
92	HK$42,444
93	HK$42,444
94	HK$42,444
95	HK$42,444
96	HK$42,444
97	HK$42,444
98	HK$42,444
99	HK$42,444

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.