HealthFlexi Plus Voluntary Health Insurance Plan - HKD90,000 Deductible (Asia)

「智選無憂+」自願醫療保障計劃 - 90,000 港元自付費 (亞洲)

Zurich Insurance Company Ltd

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Your premium

HK$3,180 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$90,000

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$4,776	HK$4,056
1	HK$4,596	HK$3,936
2	HK$4,392	HK$3,768
3	HK$4,236	HK$3,636
4	HK$3,816	HK$3,420
5	HK$3,456	HK$3,132
6	HK$2,760	HK$2,640
7	HK$2,640	HK$2,592
8	HK$2,556	HK$2,496
9	HK$2,496	HK$2,436
10	HK$2,436	HK$2,328
11	HK$2,256	HK$2,208
12	HK$2,148	HK$2,280
13	HK$2,076	HK$2,388
14	HK$2,088	HK$2,436
15	HK$2,148	HK$2,448
16	HK$2,172	HK$2,460
17	HK$2,280	HK$2,472
18	HK$2,340	HK$2,496
19	HK$2,448	HK$2,508
20	HK$2,460	HK$2,520
21	HK$2,472	HK$2,532
22	HK$2,496	HK$2,556
23	HK$2,508	HK$2,592
24	HK$2,520	HK$2,616
25	HK$2,532	HK$2,736
26	HK$2,988	HK$3,528
27	HK$3,012	HK$3,600
28	HK$3,096	HK$3,696
29	HK$3,132	HK$3,792
30	HK$3,180	HK$3,876
31	HK$3,360	HK$4,176
32	HK$3,432	HK$4,272
33	HK$3,516	HK$4,380
34	HK$3,612	HK$4,536
35	HK$3,720	HK$4,716
36	HK$4,128	HK$5,196
37	HK$4,272	HK$5,388
38	HK$4,416	HK$5,568
39	HK$4,536	HK$5,736
40	HK$4,728	HK$6,012
41	HK$4,872	HK$6,156
42	HK$5,016	HK$6,336
43	HK$5,196	HK$6,540
44	HK$5,400	HK$6,768
45	HK$5,760	HK$7,188
46	HK$5,868	HK$7,260
47	HK$6,072	HK$7,416
48	HK$6,312	HK$7,632
49	HK$6,576	HK$7,836
50	HK$6,900	HK$8,076
51	HK$7,836	HK$8,976
52	HK$8,220	HK$9,252
53	HK$8,652	HK$9,576
54	HK$9,096	HK$9,888
55	HK$9,756	HK$10,416
56	HK$9,936	HK$10,476
57	HK$10,428	HK$10,836
58	HK$10,992	HK$11,256
59	HK$11,532	HK$11,652
60	HK$12,480	HK$12,468
61	HK$13,752	HK$13,620
62	HK$14,376	HK$14,160
63	HK$15,096	HK$14,772
64	HK$15,840	HK$15,420
65	HK$16,272	HK$15,528
66	HK$17,256	HK$17,280
67	HK$17,976	HK$17,976
68	HK$18,552	HK$18,756
69	HK$19,116	HK$19,536
70	HK$20,316	HK$21,156
71	HK$21,912	HK$23,136
72	HK$22,368	HK$23,952
73	HK$22,848	HK$24,756
74	HK$23,256	HK$25,536
75	HK$23,748	HK$26,376
76	HK$26,112	HK$29,328
77	HK$26,460	HK$30,108
78	HK$26,832	HK$30,996
79	HK$27,216	HK$31,872
80	HK$27,828	HK$33,036
81	HK$31,140	HK$37,392
82	HK$31,488	HK$38,256
83	HK$32,376	HK$39,372
84	HK$33,216	HK$40,488
85	HK$33,948	HK$41,568
86	HK$34,332	HK$42,132
87	HK$34,716	HK$42,672
88	HK$35,196	HK$43,308
89	HK$35,688	HK$43,956
90	HK$36,252	HK$44,676
91	HK$36,672	HK$45,168
92	HK$37,068	HK$45,672
93	HK$37,572	HK$46,296
94	HK$38,076	HK$46,872
95	HK$38,628	HK$47,520
96	HK$39,036	HK$48,000
97	HK$39,372	HK$48,408
98	HK$39,828	HK$48,948
99	HK$40,236	HK$49,476

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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HK$90K

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HK$90K

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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.