HealthFlexi Plus Voluntary Health Insurance Plan - HKD0 Deductible (Asia)

「智選無憂+」自願醫療保障計劃 - 0 港元自付費 (亞洲)

Zurich Insurance Company Ltd

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Your premium

HK$9,072 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

Annual benefit limit

HK$6,000,000

Per-illness annual limit

—

Lifetime benefit limit

HK$25,000,000

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	Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges (b) 雜項開支	50% of Eligible Expenses and other Reasonable and Customary charges, or the benefit payable under the Terms and Benefits of the Standard Plan, whichever is higher
(c) Attending doctor's visit fee (c) 主診醫生巡房費	Actual Eligible ExpensesR&C
(d) Specialist's fee (d) 專科醫生費	Actual Eligible ExpensesR&C
(e) Intensive care (e) 深切治療	Actual Eligible ExpensesR&C
Surgeon's fee — Minor 外科醫生費 — 小型	Actual Eligible ExpensesR&C
Surgeon's fee — Intermediate 外科醫生費 — 中型	Actual Eligible ExpensesR&C
Surgeon's fee — Major 外科醫生費 — 大型	Actual Eligible ExpensesR&C
Surgeon's fee — Complex 外科醫生費 — 複雜	Actual Eligible ExpensesR&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	Actual Eligible ExpensesR&C
(h) Operating theatre charges (h) 手術室費	Actual Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$40,000 per Policy Year
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	Actual Eligible ExpensesR&C
(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	$1,600 per visit, $10,000 per Policy Year• Up to 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure• Unlimited 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	Actual Eligible ExpensesR&C
Extra Benefits
Emergency outpatient treatment for Accident 意外緊急門診保障	$5,000 per Policy Year within 48 hours of the Accident
Daily post-surgery home nursing benefit 家居看護費用	$1,600 per day, maximum 90 days per Policy Year
Outpatient kidney dialysis 門診腎透析治療	Actual Eligible ExpensesR&C
Hospital companion bed fee reimbursement 陪伴床位保障	$800 per day, maximum 60 days per Policy Year
Hospice and palliative care benefit 善終服務保障	$80,000 per Policy Year
Private nursing fee (during Confinement) 住院的私家看護	$1,600 per day, maximum 30 days per Policy Year
Medical implants / prosthetic devices 指定醫療裝置	Actual Eligible ExpensesR&C
Other medical devices (unspecified items) 其他醫療裝置	Actual Eligible ExpensesR&C
Cancer / cardiac / stroke rehabilitation benefit 出院後復康治療	$25,000 per Policy Year
Event Benefits
Accidental Death benefit 意外死亡保障	$100,000
Medical accident and incident extension benefit 醫療失誤保障	$90,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
Full reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges
(b) 雜項開支
50% of Eligible Expenses and other Reasonable and Customary charges, or the benefit payable under the Terms and Benefits of the Standard Plan, whichever is higher
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
Actual Eligible ExpensesR&C
(d) Specialist's fee
(d) 專科醫生費
Actual Eligible ExpensesR&C
(e) Intensive care
(e) 深切治療
Actual Eligible ExpensesR&C
Surgeon's fee — Minor
外科醫生費 — 小型
Actual Eligible ExpensesR&C
Surgeon's fee — Intermediate
外科醫生費 — 中型
Actual Eligible ExpensesR&C
Surgeon's fee — Major
外科醫生費 — 大型
Actual Eligible ExpensesR&C
Surgeon's fee — Complex
外科醫生費 — 複雜
Actual Eligible ExpensesR&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
Actual Eligible ExpensesR&C
(h) Operating theatre charges
(h) 手術室費
Actual Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$40,000 per Policy Year
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
Actual Eligible ExpensesR&C
(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
$1,600 per visit, $10,000 per Policy Year• Up to 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure• Unlimited 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
Actual Eligible ExpensesR&C

Extra Benefits

Emergency outpatient treatment for Accident
意外緊急門診保障
$5,000 per Policy Year within 48 hours of the Accident
Daily post-surgery home nursing benefit
家居看護費用
$1,600 per day, maximum 90 days per Policy Year
Outpatient kidney dialysis
門診腎透析治療
Actual Eligible ExpensesR&C
Hospital companion bed fee reimbursement
陪伴床位保障
$800 per day, maximum 60 days per Policy Year
Hospice and palliative care benefit
善終服務保障
$80,000 per Policy Year
Private nursing fee (during Confinement)
住院的私家看護
$1,600 per day, maximum 30 days per Policy Year
Medical implants / prosthetic devices
指定醫療裝置
Actual Eligible ExpensesR&C
Other medical devices (unspecified items)
其他醫療裝置
Actual Eligible ExpensesR&C
Cancer / cardiac / stroke rehabilitation benefit
出院後復康治療
$25,000 per Policy Year

Event Benefits

Accidental Death benefit
意外死亡保障
$100,000
Medical accident and incident extension benefit
醫療失誤保障
$90,000

Premium Schedule

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

Age	Male	Female
0	HK$13,632	HK$11,556
1	HK$13,092	HK$11,196
2	HK$12,552	HK$10,776
3	HK$12,036	HK$10,392
4	HK$10,896	HK$9,756
5	HK$9,876	HK$8,952
6	HK$7,860	HK$7,536
7	HK$7,536	HK$7,416
8	HK$7,296	HK$7,068
9	HK$7,128	HK$6,948
10	HK$6,912	HK$6,636
11	HK$6,396	HK$6,312
12	HK$6,120	HK$6,492
13	HK$5,916	HK$6,816
14	HK$5,976	HK$6,936
15	HK$6,120	HK$6,960
16	HK$6,216	HK$6,972
17	HK$6,516	HK$7,008
18	HK$6,672	HK$7,020
19	HK$6,972	HK$7,116
20	HK$6,996	HK$7,200
21	HK$7,008	HK$7,212
22	HK$7,032	HK$7,236
23	HK$7,056	HK$7,392
24	HK$7,080	HK$7,452
25	HK$7,236	HK$7,836
26	HK$8,508	HK$10,080
27	HK$8,616	HK$10,260
28	HK$8,796	HK$10,560
29	HK$8,940	HK$10,812
30	HK$9,072	HK$11,052
31	HK$9,600	HK$11,892
32	HK$9,816	HK$12,192
33	HK$10,020	HK$12,492
34	HK$10,308	HK$12,912
35	HK$10,632	HK$13,428
36	HK$11,796	HK$14,820
37	HK$12,192	HK$15,396
38	HK$12,576	HK$15,900
39	HK$12,912	HK$16,356
40	HK$13,500	HK$17,172
41	HK$13,908	HK$17,556
42	HK$14,268	HK$18,048
43	HK$14,820	HK$18,660
44	HK$15,408	HK$19,308
45	HK$16,452	HK$20,520
46	HK$16,752	HK$20,736
47	HK$17,328	HK$21,180
48	HK$18,036	HK$21,792
49	HK$18,732	HK$22,368
50	HK$19,692	HK$23,076
51	HK$22,368	HK$25,620
52	HK$23,472	HK$26,412
53	HK$24,720	HK$27,312
54	HK$25,992	HK$28,248
55	HK$27,840	HK$29,736
56	HK$28,356	HK$29,892
57	HK$29,796	HK$30,936
58	HK$31,416	HK$32,112
59	HK$32,952	HK$33,276
60	HK$35,640	HK$35,616
61	HK$39,276	HK$38,916
62	HK$41,076	HK$40,428
63	HK$43,116	HK$42,216
64	HK$45,252	HK$44,076
65	HK$46,488	HK$44,376
66	HK$49,272	HK$49,356
67	HK$51,348	HK$51,336
68	HK$52,980	HK$53,568
69	HK$54,600	HK$55,776
70	HK$58,032	HK$60,432
71	HK$62,580	HK$66,048
72	HK$63,912	HK$68,412
73	HK$65,256	HK$70,728
74	HK$66,432	HK$72,960
75	HK$67,836	HK$75,300
76	HK$74,592	HK$83,796
77	HK$75,600	HK$86,016
78	HK$76,656	HK$88,560
79	HK$77,736	HK$91,056
80	HK$79,488	HK$94,356
81	HK$88,956	HK$106,812
82	HK$89,940	HK$109,272
83	HK$92,460	HK$112,476
84	HK$94,908	HK$115,656
85	HK$96,996	HK$118,776
86	HK$98,100	HK$120,348
87	HK$99,156	HK$121,908
88	HK$100,560	HK$123,732
89	HK$101,976	HK$125,592
90	HK$103,596	HK$127,596
91	HK$104,760	HK$129,048
92	HK$105,912	HK$130,488
93	HK$107,352	HK$132,228
94	HK$108,768	HK$133,908
95	HK$110,376	HK$135,756
96	HK$111,528	HK$137,136
97	HK$112,488	HK$138,300
98	HK$113,796	HK$139,848
99	HK$114,960	HK$141,336

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

HK$0

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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: Mar 19, 2021
Last verified: 2026-04-18

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.