HealthFlexi Plus Voluntary Health Insurance Plan - HKD150,000 Deductible (Worldwide excluding the U.S.)

「智選無憂+」自願醫療保障計劃 - 150,000 港元自付費 (環球但不包括美國)

Zurich Insurance Company Ltd

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Your premium

HK$2,280 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide (excluding United States)

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$3,432	HK$2,916
1	HK$3,288	HK$2,820
2	HK$3,156	HK$2,712
3	HK$3,036	HK$2,616
4	HK$2,736	HK$2,448
5	HK$2,496	HK$2,256
6	HK$1,980	HK$1,896
7	HK$1,896	HK$1,860
8	HK$1,836	HK$1,776
9	HK$1,800	HK$1,752
10	HK$1,740	HK$1,668
11	HK$1,608	HK$1,596
12	HK$1,548	HK$1,632
13	HK$1,488	HK$1,716
14	HK$1,500	HK$1,740
15	HK$1,536	HK$1,752
16	HK$1,560	HK$1,776
17	HK$1,656	HK$1,788
18	HK$1,680	HK$1,800
19	HK$1,752	HK$1,812
20	HK$1,776	HK$1,836
21	HK$1,788	HK$1,848
22	HK$1,800	HK$1,860
23	HK$1,812	HK$1,872
24	HK$1,836	HK$1,896
25	HK$1,848	HK$1,968
26	HK$2,136	HK$2,532
27	HK$2,160	HK$2,580
28	HK$2,208	HK$2,652
29	HK$2,256	HK$2,736
30	HK$2,280	HK$2,796
31	HK$2,412	HK$2,988
32	HK$2,472	HK$3,060
33	HK$2,520	HK$3,156
34	HK$2,592	HK$3,252
35	HK$2,676	HK$3,372
36	HK$2,976	HK$3,732
37	HK$3,072	HK$3,876
38	HK$3,156	HK$3,996
39	HK$3,252	HK$4,116
40	HK$3,396	HK$4,320
41	HK$3,516	HK$4,416
42	HK$3,588	HK$4,536
43	HK$3,732	HK$4,692
44	HK$3,876	HK$4,860
45	HK$4,140	HK$5,160
46	HK$4,212	HK$5,208
47	HK$4,356	HK$5,328
48	HK$4,536	HK$5,472
49	HK$4,716	HK$5,628
50	HK$4,956	HK$5,796
51	HK$5,616	HK$6,456
52	HK$5,916	HK$6,636
53	HK$6,216	HK$6,876
54	HK$6,528	HK$7,116
55	HK$6,996	HK$7,476
56	HK$7,116	HK$7,512
57	HK$7,488	HK$7,776
58	HK$7,896	HK$8,076
59	HK$8,280	HK$8,376
60	HK$8,952	HK$8,952
61	HK$9,876	HK$9,768
62	HK$10,320	HK$10,176
63	HK$10,836	HK$10,608
64	HK$11,376	HK$11,076
65	HK$11,676	HK$11,148
66	HK$12,396	HK$12,396
67	HK$12,900	HK$12,900
68	HK$13,308	HK$13,452
69	HK$13,716	HK$14,016
70	HK$14,580	HK$15,180
71	HK$15,720	HK$16,596
72	HK$16,056	HK$17,196
73	HK$16,392	HK$17,772
74	HK$16,692	HK$18,336
75	HK$17,040	HK$18,912
76	HK$18,756	HK$21,048
77	HK$18,996	HK$21,612
78	HK$19,260	HK$22,248
79	HK$19,536	HK$22,872
80	HK$19,968	HK$23,700
81	HK$22,356	HK$26,832
82	HK$22,596	HK$27,456
83	HK$23,232	HK$28,248
84	HK$23,856	HK$29,052
85	HK$24,360	HK$29,832
86	HK$24,636	HK$30,228
87	HK$24,912	HK$30,636
88	HK$25,260	HK$31,080
89	HK$25,608	HK$31,548
90	HK$26,016	HK$32,052
91	HK$26,316	HK$32,412
92	HK$26,616	HK$32,772
93	HK$26,976	HK$33,216
94	HK$27,336	HK$33,636
95	HK$27,720	HK$34,116
96	HK$28,008	HK$34,440
97	HK$28,260	HK$34,740
98	HK$28,596	HK$35,136
99	HK$28,872	HK$35,496

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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HK$150K

Current page

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.