HealthFlexi Plus Voluntary Health Insurance Plan - HKD150,000 Deductible (Asia)

「智選無憂+」自願醫療保障計劃 - 150,000 港元自付費 (亞洲)

Zurich Insurance Company Ltd

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Your premium

HK$2,016 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$150,000

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$3,000	HK$2,556
1	HK$2,880	HK$2,460
2	HK$2,760	HK$2,376
3	HK$2,652	HK$2,292
4	HK$2,400	HK$2,148
5	HK$2,172	HK$1,980
6	HK$1,740	HK$1,656
7	HK$1,668	HK$1,632
8	HK$1,608	HK$1,560
9	HK$1,572	HK$1,536
10	HK$1,536	HK$1,476
11	HK$1,416	HK$1,392
12	HK$1,356	HK$1,428
13	HK$1,308	HK$1,500
14	HK$1,320	HK$1,536
15	HK$1,356	HK$1,548
16	HK$1,368	HK$1,560
17	HK$1,440	HK$1,572
18	HK$1,476	HK$1,596
19	HK$1,536	HK$1,608
20	HK$1,548	HK$1,620
21	HK$1,560	HK$1,632
22	HK$1,572	HK$1,656
23	HK$1,596	HK$1,668
24	HK$1,608	HK$1,680
25	HK$1,620	HK$1,728
26	HK$1,872	HK$2,220
27	HK$1,896	HK$2,268
28	HK$1,932	HK$2,328
29	HK$1,968	HK$2,388
30	HK$2,016	HK$2,436
31	HK$2,112	HK$2,616
32	HK$2,160	HK$2,688
33	HK$2,208	HK$2,748
34	HK$2,268	HK$2,856
35	HK$2,340	HK$2,976
36	HK$2,616	HK$3,276
37	HK$2,688	HK$3,396
38	HK$2,772	HK$3,516
39	HK$2,856	HK$3,600
40	HK$2,976	HK$3,780
41	HK$3,060	HK$3,876
42	HK$3,156	HK$3,972
43	HK$3,276	HK$4,116
44	HK$3,396	HK$4,248
45	HK$3,636	HK$4,536
46	HK$3,696	HK$4,560
47	HK$3,816	HK$4,668
48	HK$3,972	HK$4,800
49	HK$4,128	HK$4,932
50	HK$4,356	HK$5,076
51	HK$4,920	HK$5,640
52	HK$5,172	HK$5,820
53	HK$5,448	HK$6,012
54	HK$5,736	HK$6,216
55	HK$6,132	HK$6,552
56	HK$6,240	HK$6,576
57	HK$6,552	HK$6,816
58	HK$6,912	HK$7,068
59	HK$7,248	HK$7,332
60	HK$7,848	HK$7,836
61	HK$8,640	HK$8,568
62	HK$9,036	HK$8,916
63	HK$9,492	HK$9,288
64	HK$9,960	HK$9,696
65	HK$10,236	HK$9,768
66	HK$10,848	HK$10,860
67	HK$11,316	HK$11,316
68	HK$11,676	HK$11,796
69	HK$12,012	HK$12,276
70	HK$12,768	HK$13,296
71	HK$13,776	HK$14,532
72	HK$14,076	HK$15,060
73	HK$14,376	HK$15,576
74	HK$14,616	HK$16,056
75	HK$14,928	HK$16,572
76	HK$16,416	HK$18,432
77	HK$16,632	HK$18,936
78	HK$16,872	HK$19,488
79	HK$17,100	HK$20,040
80	HK$17,496	HK$20,760
81	HK$19,572	HK$23,508
82	HK$19,788	HK$24,048
83	HK$20,352	HK$24,756
84	HK$20,880	HK$25,452
85	HK$21,348	HK$26,136
86	HK$21,588	HK$26,496
87	HK$21,816	HK$26,820
88	HK$22,128	HK$27,228
89	HK$22,440	HK$27,636
90	HK$22,788	HK$28,080
91	HK$23,052	HK$28,392
92	HK$23,316	HK$28,716
93	HK$23,616	HK$29,100
94	HK$23,928	HK$29,460
95	HK$24,288	HK$29,868
96	HK$24,540	HK$30,180
97	HK$24,756	HK$30,432
98	HK$25,032	HK$30,768
99	HK$25,296	HK$31,116

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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HK$150K

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HK$150K

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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.