VHIS Prestige Care - Plan C

自願醫保計劃-優健保 - 計劃 C

MSIG Insurance (Hong Kong) Limited

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Your premium

HK$16,740 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

Deductible

Annual benefit limit

HK$6,000,000

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	$3,900 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	$3,900 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	$40,000 per Policy Year. Subject to 20% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$300,000 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	$1,500 per visit, $7,500 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	$50,000 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	$300,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit 手術及癌症復康保障	Subject to 20% Coinsurance. $1,000, 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	The Annual Benefit Limit under benefit items I (a) – (l) and II (a) – (d) will be increased to $6,000,000 per Policy Year
Annual benefit limit for items (a)–(l) and upgrade benefits (I)–(II) 保障項目I(a)–(l)及II(a)–(d) 的每年保障限額	$1,500,000 per Policy Year
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
$3,900 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
$3,900 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
$40,000 per Policy Year. Subject to 20% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$300,000 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
$1,500 per visit, $7,500 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
$50,000 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
$300,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit
手術及癌症復康保障
Subject to 20% Coinsurance. $1,000, 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
The Annual Benefit Limit under benefit items I (a) – (l) and II (a) – (d) will be increased to $6,000,000 per Policy Year
Annual benefit limit for items (a)–(l) and upgrade benefits (I)–(II)
保障項目I(a)–(l)及II(a)–(d) 的每年保障限額
$1,500,000 per Policy Year

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$15,282
1	HK$15,282
2	HK$15,282
3	HK$15,282
4	HK$15,282
5	HK$15,282
6	HK$15,282
7	HK$13,338
8	HK$13,338
9	HK$13,338
10	HK$13,338
11	HK$13,338
12	HK$13,338
13	HK$13,338
14	HK$13,338
15	HK$13,338
16	HK$13,338
17	HK$13,338
18	HK$16,740
19	HK$16,740
20	HK$16,740
21	HK$16,740
22	HK$16,740
23	HK$16,740
24	HK$16,740
25	HK$16,740
26	HK$16,740
27	HK$16,740
28	HK$16,740
29	HK$16,740
30	HK$16,740
31	HK$20,034
32	HK$20,034
33	HK$20,034
34	HK$20,034
35	HK$20,034
36	HK$20,034
37	HK$20,034
38	HK$20,034
39	HK$20,034
40	HK$20,034
41	HK$25,110
42	HK$25,110
43	HK$25,110
44	HK$25,110
45	HK$25,110
46	HK$25,110
47	HK$25,110
48	HK$25,110
49	HK$25,110
50	HK$25,110
51	HK$34,938
52	HK$34,938
53	HK$34,938
54	HK$34,938
55	HK$34,938
56	HK$34,938
57	HK$34,938
58	HK$34,938
59	HK$34,938
60	HK$34,938
61	HK$55,404
62	HK$55,404
63	HK$55,404
64	HK$55,404
65	HK$55,404
66	HK$55,404
67	HK$55,404
68	HK$55,404
69	HK$55,404
70	HK$55,404
71	HK$68,796
72	HK$68,796
73	HK$68,796
74	HK$68,796
75	HK$68,796
76	HK$68,796
77	HK$68,796
78	HK$68,796
79	HK$68,796
80	HK$68,796
81	HK$70,740
82	HK$70,740
83	HK$70,740
84	HK$70,740
85	HK$70,740
86	HK$70,740
87	HK$70,740
88	HK$70,740
89	HK$70,740
90	HK$70,740
91	HK$70,740
92	HK$70,740
93	HK$70,740
94	HK$70,740
95	HK$70,740
96	HK$70,740
97	HK$70,740
98	HK$70,740
99	HK$70,740

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: 2026-04-17

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.