VHIS Standard Care

自願醫保計劃-適健保

VHIS Standard Care is a VHIS Standard plan offered by MSIG Insurance (Hong Kong) Limited, with ward class N/A (capped), Worldwide coverage and HK$420,000 annual benefit limit. Latest plan-document version: Apr 1, 2021.

01 · Plan at a glanceQuote a premium by age, gender and smoking status

Your premium

HK$4,104 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

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	$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(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 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 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	$580, per visit, $3,000 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 per Confinement/Day Case Procedure 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
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
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(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 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 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
$580, per visit, $3,000 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 per Confinement/Day Case Procedure 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

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$3,240
1	HK$3,240
2	HK$3,240
3	HK$3,240
4	HK$3,240
5	HK$3,240
6	HK$3,240
7	HK$2,916
8	HK$2,916
9	HK$2,916
10	HK$2,916
11	HK$2,916
12	HK$2,916
13	HK$2,916
14	HK$2,916
15	HK$2,916
16	HK$2,916
17	HK$2,916
18	HK$4,104
19	HK$4,104
20	HK$4,104
21	HK$4,104
22	HK$4,104
23	HK$4,104
24	HK$4,104
25	HK$4,104
26	HK$4,104
27	HK$4,104
28	HK$4,104
29	HK$4,104
30	HK$4,104
31	HK$4,914
32	HK$4,914
33	HK$4,914
34	HK$4,914
35	HK$4,914
36	HK$4,914
37	HK$4,914
38	HK$4,914
39	HK$4,914
40	HK$4,914
41	HK$6,588
42	HK$6,588
43	HK$6,588
44	HK$6,588
45	HK$6,588
46	HK$6,588
47	HK$6,588
48	HK$6,588
49	HK$6,588
50	HK$6,588
51	HK$9,666
52	HK$9,666
53	HK$9,666
54	HK$9,666
55	HK$9,666
56	HK$9,666
57	HK$9,666
58	HK$9,666
59	HK$9,666
60	HK$9,666
61	HK$16,200
62	HK$16,200
63	HK$16,200
64	HK$16,200
65	HK$16,200
66	HK$16,200
67	HK$16,200
68	HK$16,200
69	HK$16,200
70	HK$16,200
71	HK$20,304
72	HK$20,304
73	HK$20,304
74	HK$20,304
75	HK$20,304
76	HK$20,304
77	HK$20,304
78	HK$20,304
79	HK$20,304
80	HK$20,304
81	HK$20,952
82	HK$20,952
83	HK$20,952
84	HK$20,952
85	HK$20,952
86	HK$20,952
87	HK$20,952
88	HK$20,952
89	HK$20,952
90	HK$20,952
91	HK$20,952
92	HK$20,952
93	HK$20,952
94	HK$20,952
95	HK$20,952
96	HK$20,952
97	HK$20,952
98	HK$20,952
99	HK$20,952

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
Last verified: 2026-04-25