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

立安心自願醫保靈活計劃 - 標準私家房

Well Link Life Insurance Company Limited

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Your premium

HK$8,272 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$1,200,000

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	$4,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$30,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$4,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$12,000 per Policy Year
(e) Intensive care (e) 深切治療	$10,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$15,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$30,000
Surgeon's fee — Major 外科醫生費 — 大型	$60,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$120,000
(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	$40,000 per Policy Year. Subject to 30% 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, $8,000 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	$50,000 per Policy Year
Extra Benefits
Emergency outpatient treatment for Accident 緊急意外門診治療	$16,000 per Policy Year within 24 hours of the Accident
Daily post-surgery home nursing benefit 住院後居家看護	$1,600 per visit• 1 per day, within the post-discharge window• Maximum 30 visits per Policy Year
Outpatient kidney dialysis 門診洗腎	$150,000 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 $1,000 per visit
Cash Benefits
Day surgery cash benefit 日間手術現金保障	$1,200 per Day Case Procedure
Second-claim cash allowanceAfter other pays 優化津貼賠償	$1,300 per day, maximum 90 days per Policy Year
Event Benefits
Compassionate death benefit 恩恤身故賠償	$30,000 per policy
Medical accident and incident extension benefit 醫療疏忽事故賠償	$400,000 per policy

Basic Benefits

(a) Room and board
(a) 病房及膳食
$4,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$30,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$4,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$12,000 per Policy Year
(e) Intensive care
(e) 深切治療
$10,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$15,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$30,000
Surgeon's fee — Major
外科醫生費 — 大型
$60,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$120,000
(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
$40,000 per Policy Year. Subject to 30% 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, $8,000 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
$50,000 per Policy Year

Extra Benefits

Emergency outpatient treatment for Accident
緊急意外門診治療
$16,000 per Policy Year within 24 hours of the Accident
Daily post-surgery home nursing benefit
住院後居家看護
$1,600 per visit• 1 per day, within the post-discharge window• Maximum 30 visits per Policy Year
Outpatient kidney dialysis
門診洗腎
$150,000 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 $1,000 per visit

Cash Benefits

Day surgery cash benefit
日間手術現金保障
$1,200 per Day Case Procedure
Second-claim cash allowanceAfter other pays
優化津貼賠償
$1,300 per day, maximum 90 days per Policy Year

Event Benefits

Compassionate death benefit
恩恤身故賠償
$30,000 per policy
Medical accident and incident extension benefit
醫療疏忽事故賠償
$400,000 per policy

Premium Schedule

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

Age	Male	Female
0	HK$10,091	HK$8,780
1	HK$10,091	HK$8,780
2	HK$10,091	HK$8,780
3	HK$10,091	HK$8,780
4	HK$10,091	HK$8,780
5	HK$7,568	HK$6,653
6	HK$7,459	HK$6,623
7	HK$7,351	HK$6,595
8	HK$7,242	HK$6,566
9	HK$7,134	HK$6,537
10	HK$7,025	HK$6,508
11	HK$6,917	HK$6,479
12	HK$6,808	HK$6,450
13	HK$6,699	HK$6,421
14	HK$6,590	HK$6,392
15	HK$6,481	HK$6,364
16	HK$6,373	HK$6,335
17	HK$6,265	HK$6,305
18	HK$6,156	HK$6,277
19	HK$6,362	HK$6,526
20	HK$6,569	HK$6,775
21	HK$6,740	HK$7,079
22	HK$6,910	HK$7,381
23	HK$7,080	HK$7,685
24	HK$7,250	HK$7,987
25	HK$7,421	HK$8,291
26	HK$7,591	HK$8,594
27	HK$7,762	HK$8,897
28	HK$7,931	HK$9,200
29	HK$8,102	HK$9,503
30	HK$8,272	HK$9,807
31	HK$8,520	HK$10,297
32	HK$8,861	HK$10,915
33	HK$9,330	HK$11,624
34	HK$9,824	HK$12,380
35	HK$10,344	HK$13,185
36	HK$10,891	HK$14,042
37	HK$11,490	HK$14,955
38	HK$12,179	HK$15,852
39	HK$12,983	HK$16,645
40	HK$13,860	HK$17,508
41	HK$14,315	HK$18,383
42	HK$15,048	HK$19,302
43	HK$15,605	HK$19,885
44	HK$16,176	HK$20,305
45	HK$16,766	HK$20,733
46	HK$17,344	HK$21,181
47	HK$17,949	HK$21,677
48	HK$18,553	HK$22,105
49	HK$19,177	HK$22,485
50	HK$19,823	HK$22,871
51	HK$20,508	HK$23,328
52	HK$21,249	HK$23,795
53	HK$22,057	HK$24,271
54	HK$22,946	HK$24,756
55	HK$23,891	HK$25,251
56	HK$24,966	HK$26,009
57	HK$26,339	HK$27,049
58	HK$27,919	HK$28,401
59	HK$29,734	HK$30,105
60	HK$31,667	HK$31,911
61	HK$33,567	HK$33,826
62	HK$35,413	HK$35,856
63	HK$37,361	HK$38,007
64	HK$39,596	HK$39,907
65	HK$41,474	HK$41,902
66	HK$43,261	HK$43,962
67	HK$45,189	HK$45,720
68	HK$47,448	HK$47,777
69	HK$50,058	HK$50,166
70	HK$53,061	HK$53,176
71	HK$56,510	HK$56,632
72	HK$60,466	HK$60,356
73	HK$64,396	HK$63,319
74	HK$68,347	HK$65,823
75	HK$70,634	HK$68,512
76	HK$72,922	HK$71,364
77	HK$75,411	HK$74,664
78	HK$78,770	HK$77,990
79	HK$82,160	HK$81,347
80	HK$85,963	HK$85,112
81	HK$89,119	HK$87,237
82	HK$92,387	HK$89,900
83	HK$95,762	HK$92,563
84	HK$99,262	HK$95,342
85	HK$104,261	HK$100,166
86	HK$106,761	HK$102,500
87	HK$109,314	HK$105,028
88	HK$111,904	HK$107,537
89	HK$114,493	HK$110,026
90	HK$117,046	HK$112,554
91	HK$118,778	HK$114,117
92	HK$120,367	HK$115,680
93	HK$121,974	HK$117,262
94	HK$123,581	HK$118,883
95	HK$125,296	HK$120,426
96	HK$126,956	HK$122,105
97	HK$128,652	HK$123,687
98	HK$130,331	HK$125,347
99	HK$132,099	HK$126,987

Other deductible options in this series

3 deductibles — same benefit schedule, premium scales with deductible

Ward

View details →

Semi-Private

View details →

Standard Private

Current page

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.