VHIS Prestige Care - Plan B with SMM

自願醫保計劃-優健保 - 計劃 B+附加額外醫療保障

MSIG Insurance (Hong Kong) Limited

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Your premium

HK$13,932 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$750,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

HK$300,000／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	$2,800 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$11,610
1	HK$11,610
2	HK$11,610
3	HK$11,610
4	HK$11,610
5	HK$11,610
6	HK$11,610
7	HK$10,152
8	HK$10,152
9	HK$10,152
10	HK$10,152
11	HK$10,152
12	HK$10,152
13	HK$10,152
14	HK$10,152
15	HK$10,152
16	HK$10,152
17	HK$10,152
18	HK$13,932
19	HK$13,932
20	HK$13,932
21	HK$13,932
22	HK$13,932
23	HK$13,932
24	HK$13,932
25	HK$13,932
26	HK$13,932
27	HK$13,932
28	HK$13,932
29	HK$13,932
30	HK$13,932
31	HK$16,578
32	HK$16,578
33	HK$16,578
34	HK$16,578
35	HK$16,578
36	HK$16,578
37	HK$16,578
38	HK$16,578
39	HK$16,578
40	HK$16,578
41	HK$21,384
42	HK$21,384
43	HK$21,384
44	HK$21,384
45	HK$21,384
46	HK$21,384
47	HK$21,384
48	HK$21,384
49	HK$21,384
50	HK$21,384
51	HK$30,294
52	HK$30,294
53	HK$30,294
54	HK$30,294
55	HK$30,294
56	HK$30,294
57	HK$30,294
58	HK$30,294
59	HK$30,294
60	HK$30,294
61	HK$48,654
62	HK$48,654
63	HK$48,654
64	HK$48,654
65	HK$48,654
66	HK$48,654
67	HK$48,654
68	HK$48,654
69	HK$48,654
70	HK$48,654
71	HK$60,318
72	HK$60,318
73	HK$60,318
74	HK$60,318
75	HK$60,318
76	HK$60,318
77	HK$60,318
78	HK$60,318
79	HK$60,318
80	HK$60,318
81	HK$62,100
82	HK$62,100
83	HK$62,100
84	HK$62,100
85	HK$62,100
86	HK$62,100
87	HK$62,100
88	HK$62,100
89	HK$62,100
90	HK$62,100
91	HK$62,100
92	HK$62,100
93	HK$62,100
94	HK$62,100
95	HK$62,100
96	HK$62,100
97	HK$62,100
98	HK$62,100
99	HK$62,100

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.