Well Protect Voluntary Health Insurance Scheme (Flexi) - Semi-Private

立安心自願醫保靈活計劃 - 半私家房

Well Link Life Insurance Company Limited

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Your premium

HK$5,337 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$800,000

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	$2,200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$20,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,600 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$6,000 per Policy Year
(e) Intensive care (e) 深切治療	$6,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$10,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$20,000
Surgeon's fee — Major 外科醫生費 — 大型	$40,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$80,000
(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	$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$120,000 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	$800, per visit, $6,000 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	$40,000 per Policy Year
Extra Benefits
Emergency outpatient treatment for Accident 緊急意外門診治療	$11,000 per Policy Year within 24 hours of the Accident
Daily post-surgery home nursing benefit 住院後居家看護	$800 per visit• 1 per day, within the post-discharge window• Maximum 30 visits per Policy Year
Outpatient kidney dialysis 門診洗腎	$100,000 per Policy Year
Post-Confinement / Day Case Procedure auxiliary therapy 入院前或出院後/日間手術前後的門診護理	Under basic benefit (k), within 90 days after discharge from Hospital or completion of Day Case Procedure
Pre- and post-Confinement / Day Case Procedure outpatient care (top-up)SMM topup 手術前後的門診護理	Excess Eligible Expenses for follow-up outpatient visits within the specified visit-range × reimbursement ratio, capped at $800 per visit
Cash Benefits
Day surgery cash benefit 日間手術現金保障	$700 per Day Case Procedure
Second-claim cash allowanceAfter other pays 優化津貼賠償	$800 per day, maximum 90 days per Policy Year
Event Benefits
Compassionate death benefit 恩恤身故賠償	$20,000 per policy
Medical accident and incident extension benefit 醫療疏忽事故賠償	$200,000 per policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$2,200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$20,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,600 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$6,000 per Policy Year
(e) Intensive care
(e) 深切治療
$6,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$10,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$20,000
Surgeon's fee — Major
外科醫生費 — 大型
$40,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$80,000
(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
$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$120,000 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
$800, per visit, $6,000 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
$40,000 per Policy Year

Extra Benefits

Emergency outpatient treatment for Accident
緊急意外門診治療
$11,000 per Policy Year within 24 hours of the Accident
Daily post-surgery home nursing benefit
住院後居家看護
$800 per visit• 1 per day, within the post-discharge window• Maximum 30 visits per Policy Year
Outpatient kidney dialysis
門診洗腎
$100,000 per Policy Year
Post-Confinement / Day Case Procedure auxiliary therapy
入院前或出院後/日間手術前後的門診護理
Under basic benefit (k), within 90 days after discharge from Hospital or completion of Day Case Procedure
Pre- and post-Confinement / Day Case Procedure outpatient care (top-up)SMM topup
手術前後的門診護理
Excess Eligible Expenses for follow-up outpatient visits within the specified visit-range × reimbursement ratio, capped at $800 per visit

Cash Benefits

Day surgery cash benefit
日間手術現金保障
$700 per Day Case Procedure
Second-claim cash allowanceAfter other pays
優化津貼賠償
$800 per day, maximum 90 days per Policy Year

Event Benefits

Compassionate death benefit
恩恤身故賠償
$20,000 per policy
Medical accident and incident extension benefit
醫療疏忽事故賠償
$200,000 per policy

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$6,066	HK$5,136
1	HK$6,066	HK$5,136
2	HK$6,066	HK$5,136
3	HK$6,066	HK$5,136
4	HK$6,066	HK$5,136
5	HK$4,521	HK$3,989
6	HK$4,350	HK$3,970
7	HK$4,263	HK$3,950
8	HK$4,186	HK$3,915
9	HK$4,111	HK$3,879
10	HK$4,037	HK$3,844
11	HK$3,964	HK$3,810
12	HK$3,893	HK$3,776
13	HK$3,823	HK$3,742
14	HK$3,754	HK$3,708
15	HK$3,754	HK$3,708
16	HK$3,754	HK$3,708
17	HK$3,754	HK$3,708
18	HK$3,754	HK$3,708
19	HK$3,825	HK$3,816
20	HK$3,949	HK$3,962
21	HK$4,051	HK$4,139
22	HK$4,154	HK$4,317
23	HK$4,256	HK$4,494
24	HK$4,359	HK$4,671
25	HK$4,460	HK$4,849
26	HK$4,562	HK$5,025
27	HK$4,744	HK$5,251
28	HK$4,934	HK$5,493
29	HK$5,132	HK$5,800
30	HK$5,337	HK$6,125
31	HK$5,550	HK$6,468
32	HK$5,772	HK$6,830
33	HK$6,003	HK$7,213
34	HK$6,243	HK$7,617
35	HK$6,568	HK$8,060
36	HK$6,780	HK$8,527
37	HK$7,000	HK$8,861
38	HK$7,221	HK$9,162
39	HK$7,453	HK$9,488
40	HK$7,855	HK$9,982
41	HK$8,195	HK$10,568
42	HK$8,520	HK$11,169
43	HK$8,860	HK$11,580
44	HK$9,260	HK$11,876
45	HK$9,598	HK$12,125
46	HK$9,929	HK$12,388
47	HK$10,275	HK$12,678
48	HK$10,621	HK$12,928
49	HK$10,979	HK$13,150
50	HK$11,348	HK$13,377
51	HK$11,741	HK$13,645
52	HK$12,085	HK$13,917
53	HK$12,640	HK$14,265
54	HK$13,233	HK$14,622
55	HK$13,862	HK$15,061
56	HK$14,572	HK$15,512
57	HK$15,332	HK$16,055
58	HK$16,143	HK$16,778
59	HK$17,006	HK$17,667
60	HK$18,212	HK$18,515
61	HK$19,469	HK$19,412
62	HK$20,637	HK$20,348
63	HK$21,875	HK$21,569
64	HK$23,188	HK$22,863
65	HK$24,579	HK$24,235
66	HK$26,054	HK$25,689
67	HK$27,617	HK$27,230
68	HK$29,274	HK$28,864
69	HK$31,031	HK$30,596
70	HK$32,892	HK$32,431
71	HK$34,961	HK$34,222
72	HK$37,103	HK$36,022
73	HK$38,552	HK$38,170
74	HK$40,072	HK$39,675
75	HK$41,592	HK$41,180
76	HK$43,112	HK$42,685
77	HK$44,632	HK$44,190
78	HK$46,153	HK$45,696
79	HK$47,673	HK$47,201
80	HK$49,192	HK$48,706
81	HK$51,027	HK$50,303
82	HK$52,905	HK$51,821
83	HK$54,869	HK$53,387
84	HK$56,876	HK$54,973
85	HK$59,732	HK$57,775
86	HK$61,207	HK$59,195
87	HK$62,691	HK$60,625
88	HK$64,174	HK$62,133
89	HK$65,726	HK$63,553
90	HK$67,210	HK$65,071
91	HK$68,128	HK$65,888
92	HK$69,088	HK$66,890
93	HK$70,023	HK$67,765
94	HK$71,018	HK$68,689
95	HK$71,978	HK$69,652
96	HK$72,922	HK$70,547
97	HK$73,908	HK$71,530
98	HK$74,877	HK$72,503
99	HK$75,906	HK$73,437

Other deductible options in this series

3 deductibles — same benefit schedule, premium scales with deductible

Ward

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Semi-Private

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Standard Private

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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: Oct 30, 2020
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.