HealthFlexi Plus Voluntary Health Insurance Plan - HKD0 Deductible (Worldwide excluding the U.S.)

「智選無憂+」自願醫療保障計劃 - 0 港元自付費 (環球但不包括美國)

Zurich Insurance Company Ltd

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Your premium

HK$10,356 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide (excluding United States)

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. Subject to 30% Coinsurance.
(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. Subject to 30% Coinsurance.
(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$15,552	HK$13,176
1	HK$14,952	HK$12,768
2	HK$14,328	HK$12,276
3	HK$13,740	HK$11,868
4	HK$12,432	HK$11,136
5	HK$11,256	HK$10,236
6	HK$8,976	HK$8,580
7	HK$8,616	HK$8,448
8	HK$8,340	HK$8,076
9	HK$8,136	HK$7,920
10	HK$7,896	HK$7,560
11	HK$7,296	HK$7,212
12	HK$6,996	HK$7,416
13	HK$6,756	HK$7,776
14	HK$6,816	HK$7,908
15	HK$6,996	HK$7,956
16	HK$7,080	HK$7,968
17	HK$7,428	HK$8,016
18	HK$7,608	HK$8,028
19	HK$7,956	HK$8,100
20	HK$7,968	HK$8,220
21	HK$7,980	HK$8,232
22	HK$8,028	HK$8,256
23	HK$8,052	HK$8,436
24	HK$8,076	HK$8,508
25	HK$8,256	HK$8,928
26	HK$9,708	HK$11,496
27	HK$9,816	HK$11,712
28	HK$10,032	HK$12,048
29	HK$10,200	HK$12,336
30	HK$10,356	HK$12,612
31	HK$10,956	HK$13,572
32	HK$11,196	HK$13,908
33	HK$11,436	HK$14,256
34	HK$11,772	HK$14,736
35	HK$12,132	HK$15,336
36	HK$13,476	HK$16,920
37	HK$13,920	HK$17,568
38	HK$14,340	HK$18,156
39	HK$14,736	HK$18,672
40	HK$15,408	HK$19,596
41	HK$15,876	HK$20,028
42	HK$16,296	HK$20,616
43	HK$16,920	HK$21,300
44	HK$17,592	HK$22,056
45	HK$18,780	HK$23,436
46	HK$19,128	HK$23,676
47	HK$19,776	HK$24,180
48	HK$20,580	HK$24,876
49	HK$21,372	HK$25,536
50	HK$22,488	HK$26,328
51	HK$25,536	HK$29,256
52	HK$26,796	HK$30,156
53	HK$28,236	HK$31,176
54	HK$29,676	HK$32,256
55	HK$31,788	HK$33,948
56	HK$32,352	HK$34,128
57	HK$33,996	HK$35,316
58	HK$35,856	HK$36,660
59	HK$37,608	HK$37,992
60	HK$40,680	HK$40,656
61	HK$44,832	HK$44,400
62	HK$46,896	HK$46,152
63	HK$49,236	HK$48,168
64	HK$51,648	HK$50,292
65	HK$53,076	HK$50,640
66	HK$56,256	HK$56,352
67	HK$58,620	HK$58,608
68	HK$60,480	HK$61,152
69	HK$62,328	HK$63,672
70	HK$66,252	HK$68,988
71	HK$71,436	HK$75,396
72	HK$72,960	HK$78,096
73	HK$74,496	HK$80,748
74	HK$75,840	HK$83,280
75	HK$77,448	HK$85,956
76	HK$85,152	HK$95,640
77	HK$86,316	HK$98,196
78	HK$87,516	HK$101,100
79	HK$88,728	HK$103,956
80	HK$90,732	HK$107,712
81	HK$101,556	HK$121,920
82	HK$102,672	HK$124,740
83	HK$105,552	HK$128,388
84	HK$108,336	HK$132,036
85	HK$110,736	HK$135,588
86	HK$111,996	HK$137,388
87	HK$113,196	HK$139,176
88	HK$114,816	HK$141,252
89	HK$116,400	HK$143,376
90	HK$118,248	HK$145,656
91	HK$119,580	HK$147,312
92	HK$120,900	HK$148,956
93	HK$122,556	HK$150,948
94	HK$124,152	HK$152,868
95	HK$125,988	HK$154,980
96	HK$127,308	HK$156,552
97	HK$128,412	HK$157,872
98	HK$129,888	HK$159,648
99	HK$131,232	HK$161,340

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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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.