VHIS Prestige Care - Plan B

自願醫保計劃-優健保 - 計劃 B

MSIG Insurance (Hong Kong) Limited

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Your premium

HK$10,800 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

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Annual benefit limit

HK$750,000

Per-illness annual limit

—

Lifetime benefit limit

—

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	$2,800 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	$2,800 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
(f) Surgeon's fee (f) 外科醫生費	Full reimbursement of Eligible ExpensesR&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges (h) 手術室費	Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$30,000 per Policy Year. Subject to 20% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$150,000 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	$1,000 per visit, $5,000 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	$40,000 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	$150,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit 手術及癌症復康保障	Subject to 20% Coinsurance. $800, 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
$2,800 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
$2,800 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
(f) Surgeon's fee
(f) 外科醫生費
Full reimbursement of Eligible ExpensesR&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges
(h) 手術室費
Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$30,000 per Policy Year. Subject to 20% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$150,000 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
$1,000 per visit, $5,000 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
$40,000 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
$150,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit
手術及癌症復康保障
Subject to 20% Coinsurance. $800, 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$9,018
1	HK$9,018
2	HK$9,018
3	HK$9,018
4	HK$9,018
5	HK$9,018
6	HK$9,018
7	HK$7,884
8	HK$7,884
9	HK$7,884
10	HK$7,884
11	HK$7,884
12	HK$7,884
13	HK$7,884
14	HK$7,884
15	HK$7,884
16	HK$7,884
17	HK$7,884
18	HK$10,800
19	HK$10,800
20	HK$10,800
21	HK$10,800
22	HK$10,800
23	HK$10,800
24	HK$10,800
25	HK$10,800
26	HK$10,800
27	HK$10,800
28	HK$10,800
29	HK$10,800
30	HK$10,800
31	HK$12,852
32	HK$12,852
33	HK$12,852
34	HK$12,852
35	HK$12,852
36	HK$12,852
37	HK$12,852
38	HK$12,852
39	HK$12,852
40	HK$12,852
41	HK$16,686
42	HK$16,686
43	HK$16,686
44	HK$16,686
45	HK$16,686
46	HK$16,686
47	HK$16,686
48	HK$16,686
49	HK$16,686
50	HK$16,686
51	HK$23,652
52	HK$23,652
53	HK$23,652
54	HK$23,652
55	HK$23,652
56	HK$23,652
57	HK$23,652
58	HK$23,652
59	HK$23,652
60	HK$23,652
61	HK$38,124
62	HK$38,124
63	HK$38,124
64	HK$38,124
65	HK$38,124
66	HK$38,124
67	HK$38,124
68	HK$38,124
69	HK$38,124
70	HK$38,124
71	HK$47,250
72	HK$47,250
73	HK$47,250
74	HK$47,250
75	HK$47,250
76	HK$47,250
77	HK$47,250
78	HK$47,250
79	HK$47,250
80	HK$47,250
81	HK$48,654
82	HK$48,654
83	HK$48,654
84	HK$48,654
85	HK$48,654
86	HK$48,654
87	HK$48,654
88	HK$48,654
89	HK$48,654
90	HK$48,654
91	HK$48,654
92	HK$48,654
93	HK$48,654
94	HK$48,654
95	HK$48,654
96	HK$48,654
97	HK$48,654
98	HK$48,654
99	HK$48,654

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.