HealthFlexi Plus Voluntary Health Insurance Plan - HKD60,000 Deductible (Asia)

「智選無憂+」自願醫療保障計劃 - 60,000 港元自付費 (亞洲)

Zurich Insurance Company Ltd

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Your premium

HK$3,996 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$60,000

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$6,000	HK$5,088
1	HK$5,760	HK$4,920
2	HK$5,520	HK$4,740
3	HK$5,316	HK$4,572
4	HK$4,788	HK$4,296
5	HK$4,356	HK$3,948
6	HK$3,468	HK$3,312
7	HK$3,336	HK$3,276
8	HK$3,216	HK$3,120
9	HK$3,156	HK$3,060
10	HK$3,048	HK$2,916
11	HK$2,820	HK$2,796
12	HK$2,700	HK$2,856
13	HK$2,616	HK$3,000
14	HK$2,628	HK$3,048
15	HK$2,700	HK$3,060
16	HK$2,736	HK$3,072
17	HK$2,868	HK$3,096
18	HK$2,940	HK$3,108
19	HK$3,072	HK$3,132
20	HK$3,096	HK$3,168
21	HK$3,108	HK$3,180
22	HK$3,120	HK$3,192
23	HK$3,132	HK$3,252
24	HK$3,156	HK$3,276
25	HK$3,180	HK$3,456
26	HK$3,756	HK$4,440
27	HK$3,792	HK$4,536
28	HK$3,876	HK$4,656
29	HK$3,936	HK$4,776
30	HK$3,996	HK$4,860
31	HK$4,236	HK$5,232
32	HK$4,320	HK$5,376
33	HK$4,416	HK$5,496
34	HK$4,536	HK$5,688
35	HK$4,680	HK$5,916
36	HK$5,196	HK$6,528
37	HK$5,376	HK$6,780
38	HK$5,532	HK$6,996
39	HK$5,688	HK$7,200
40	HK$5,940	HK$7,560
41	HK$6,120	HK$7,728
42	HK$6,288	HK$7,956
43	HK$6,528	HK$8,208
44	HK$6,780	HK$8,496
45	HK$7,236	HK$9,036
46	HK$7,380	HK$9,120
47	HK$7,632	HK$9,336
48	HK$7,932	HK$9,588
49	HK$8,256	HK$9,852
50	HK$8,676	HK$10,152
51	HK$9,840	HK$11,280
52	HK$10,332	HK$11,628
53	HK$10,896	HK$12,036
54	HK$11,436	HK$12,432
55	HK$12,252	HK$13,092
56	HK$12,468	HK$13,152
57	HK$13,116	HK$13,620
58	HK$13,836	HK$14,136
59	HK$14,496	HK$14,652
60	HK$15,696	HK$15,672
61	HK$17,280	HK$17,136
62	HK$18,072	HK$17,796
63	HK$18,972	HK$18,576
64	HK$19,908	HK$19,392
65	HK$20,460	HK$19,536
66	HK$21,696	HK$21,720
67	HK$22,596	HK$22,596
68	HK$23,316	HK$23,568
69	HK$24,036	HK$24,552
70	HK$25,536	HK$26,592
71	HK$27,540	HK$29,076
72	HK$28,128	HK$30,108
73	HK$28,716	HK$31,128
74	HK$29,232	HK$32,100
75	HK$29,856	HK$33,132
76	HK$32,820	HK$36,876
77	HK$33,276	HK$37,848
78	HK$33,732	HK$38,976
79	HK$34,200	HK$40,068
80	HK$34,980	HK$41,520
81	HK$39,156	HK$47,016
82	HK$39,576	HK$48,096
83	HK$40,692	HK$49,488
84	HK$41,760	HK$50,892
85	HK$42,696	HK$52,260
86	HK$43,176	HK$52,956
87	HK$43,632	HK$53,640
88	HK$44,256	HK$54,456
89	HK$44,868	HK$55,260
90	HK$45,576	HK$56,148
91	HK$46,092	HK$56,796
92	HK$46,608	HK$57,420
93	HK$47,232	HK$58,188
94	HK$47,856	HK$58,920
95	HK$48,576	HK$59,736
96	HK$49,068	HK$60,348
97	HK$49,500	HK$60,852
98	HK$50,076	HK$61,536
99	HK$50,580	HK$62,196

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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HK$60K

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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.