HealthFlexi Plus Voluntary Health Insurance Plan - HKD60,000 Deductible (Worldwide excluding the U.S.)

「智選無憂+」自願醫療保障計劃 - 60,000 港元自付費 (環球但不包括美國)

Zurich Insurance Company Ltd

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Your premium

HK$4,560 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide (excluding United States)

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
(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$6,852	HK$5,796
1	HK$6,576	HK$5,628
2	HK$6,300	HK$5,412
3	HK$6,048	HK$5,220
4	HK$5,472	HK$4,896
5	HK$4,956	HK$4,500
6	HK$3,948	HK$3,780
7	HK$3,792	HK$3,720
8	HK$3,672	HK$3,552
9	HK$3,588	HK$3,492
10	HK$3,468	HK$3,336
11	HK$3,216	HK$3,180
12	HK$3,096	HK$3,276
13	HK$2,976	HK$3,420
14	HK$3,000	HK$3,480
15	HK$3,072	HK$3,516
16	HK$3,120	HK$3,528
17	HK$3,276	HK$3,540
18	HK$3,348	HK$3,552
19	HK$3,516	HK$3,576
20	HK$3,528	HK$3,612
21	HK$3,540	HK$3,636
22	HK$3,552	HK$3,648
23	HK$3,576	HK$3,720
24	HK$3,588	HK$3,756
25	HK$3,636	HK$3,936
26	HK$4,272	HK$5,076
27	HK$4,320	HK$5,160
28	HK$4,416	HK$5,316
29	HK$4,488	HK$5,436
30	HK$4,560	HK$5,556
31	HK$4,836	HK$5,976
32	HK$4,932	HK$6,120
33	HK$5,040	HK$6,276
34	HK$5,196	HK$6,492
35	HK$5,340	HK$6,756
36	HK$5,928	HK$7,452
37	HK$6,132	HK$7,740
38	HK$6,312	HK$7,992
39	HK$6,492	HK$8,220
40	HK$6,780	HK$8,628
41	HK$6,996	HK$8,820
42	HK$7,176	HK$9,072
43	HK$7,452	HK$9,372
44	HK$7,740	HK$9,708
45	HK$8,268	HK$10,308
46	HK$8,436	HK$10,416
47	HK$8,700	HK$10,656
48	HK$9,060	HK$10,956
49	HK$9,408	HK$11,256
50	HK$9,900	HK$11,580
51	HK$11,232	HK$12,876
52	HK$11,796	HK$13,272
53	HK$12,420	HK$13,728
54	HK$13,056	HK$14,196
55	HK$13,992	HK$14,940
56	HK$14,232	HK$15,036
57	HK$14,976	HK$15,540
58	HK$15,780	HK$16,128
59	HK$16,548	HK$16,716
60	HK$17,916	HK$17,892
61	HK$19,728	HK$19,536
62	HK$20,640	HK$20,316
63	HK$21,660	HK$21,216
64	HK$22,728	HK$22,128
65	HK$23,352	HK$22,296
66	HK$24,756	HK$24,792
67	HK$25,788	HK$25,788
68	HK$26,616	HK$26,916
69	HK$27,432	HK$28,020
70	HK$29,148	HK$30,360
71	HK$31,440	HK$33,180
72	HK$32,100	HK$34,368
73	HK$32,796	HK$35,532
74	HK$33,372	HK$36,648
75	HK$34,080	HK$37,836
76	HK$37,476	HK$42,096
77	HK$37,980	HK$43,212
78	HK$38,508	HK$44,496
79	HK$39,048	HK$45,756
80	HK$39,936	HK$47,400
81	HK$44,676	HK$53,652
82	HK$45,180	HK$54,888
83	HK$46,452	HK$56,496
84	HK$47,676	HK$58,092
85	HK$48,720	HK$59,676
86	HK$49,272	HK$60,456
87	HK$49,812	HK$61,236
88	HK$50,520	HK$62,148
89	HK$51,216	HK$63,096
90	HK$52,032	HK$64,092
91	HK$52,620	HK$64,836
92	HK$53,196	HK$65,556
93	HK$53,928	HK$66,420
94	HK$54,636	HK$67,260
95	HK$55,440	HK$68,196
96	HK$56,016	HK$68,880
97	HK$56,508	HK$69,468
98	HK$57,156	HK$70,248
99	HK$57,756	HK$70,992

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

HK$0

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HK$0

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HK$60K

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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.