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VHIS Prestige Care - Plan C with SMM

自願醫保計劃-優健保 - 計劃 C+附加額外醫療保障

VHIS Prestige Care - Plan C with SMM is a VHIS Flexi plan offered by MSIG Insurance (Hong Kong) Limited, with basic and extra: No ward-class restriction; SMM: Standard Private Room, Worldwide (including United States) coverage, HK$6,000,000 annual benefit limit and no deductible (HK$0). Latest plan-document version: Apr 1, 2021.

VHIS FlexiF00023-03-001-02

Plan at a glance

Ward class: Basic and extra: No ward-class restriction; SMM: Standard Private Room
Coverage region: Worldwide (including United States)
Deductible: $0
Annual benefit limit: HK$6,000,000
Per-illness annual limit: —
Lifetime benefit limit: —
SMM Supplemental Major Medical: HK$600,000／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	$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
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
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$19,656
1	HK$19,656
2	HK$19,656
3	HK$19,656
4	HK$19,656
5	HK$19,656
6	HK$19,656
7	HK$17,172
8	HK$17,172
9	HK$17,172
10	HK$17,172
11	HK$17,172
12	HK$17,172
13	HK$17,172
14	HK$17,172
15	HK$17,172
16	HK$17,172
17	HK$17,172
18	HK$21,654
19	HK$21,654
20	HK$21,654
21	HK$21,654
22	HK$21,654
23	HK$21,654
24	HK$21,654
25	HK$21,654
26	HK$21,654
27	HK$21,654
28	HK$21,654
29	HK$21,654
30	HK$21,654
31	HK$25,866
32	HK$25,866
33	HK$25,866
34	HK$25,866
35	HK$25,866
36	HK$25,866
37	HK$25,866
38	HK$25,866
39	HK$25,866
40	HK$25,866
41	HK$32,184
42	HK$32,184
43	HK$32,184
44	HK$32,184
45	HK$32,184
46	HK$32,184
47	HK$32,184
48	HK$32,184
49	HK$32,184
50	HK$32,184
51	HK$44,820
52	HK$44,820
53	HK$44,820
54	HK$44,820
55	HK$44,820
56	HK$44,820
57	HK$44,820
58	HK$44,820
59	HK$44,820
60	HK$44,820
61	HK$70,740
62	HK$70,740
63	HK$70,740
64	HK$70,740
65	HK$70,740
66	HK$70,740
67	HK$70,740
68	HK$70,740
69	HK$70,740
70	HK$70,740
71	HK$87,858
72	HK$87,858
73	HK$87,858
74	HK$87,858
75	HK$87,858
76	HK$87,858
77	HK$87,858
78	HK$87,858
79	HK$87,858
80	HK$87,858
81	HK$90,342
82	HK$90,342
83	HK$90,342
84	HK$90,342
85	HK$90,342
86	HK$90,342
87	HK$90,342
88	HK$90,342
89	HK$90,342
90	HK$90,342
91	HK$90,342
92	HK$90,342
93	HK$90,342
94	HK$90,342
95	HK$90,342
96	HK$90,342
97	HK$90,342
98	HK$90,342
99	HK$90,342

How to apply for this plan

This plan is offered by MSIG Insurance (Hong Kong) Limited. To apply, contact MSIG Insurance (Hong Kong) Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
Benefit schedule PDF Premium table PDF

This site's licensed insurance agent can only arrange FWD plans.

Other deductible options in this series

6 deductibles — same benefit schedule, premium scales with deductible

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HK$0

Current page

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Apr 1, 2021
Plan data updated: 2026-04-17

VHIS Prestige Care - Plan C with SMM

Plan at a glance

Benefits

Premium Schedule

How to apply for this plan

Other deductible options in this series

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款