HealthFlexi Plus Voluntary Health Insurance Plan - HKD90,000 Deductible (Worldwide excluding the U.S.)

「智選無憂+」自願醫療保障計劃 - 90,000 港元自付費 (環球但不包括美國)

Zurich Insurance Company Ltd

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Your premium

HK$3,636 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide (excluding United States)

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
(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$5,448	HK$4,620
1	HK$5,232	HK$4,476
2	HK$5,016	HK$4,308
3	HK$4,812	HK$4,152
4	HK$4,356	HK$3,900
5	HK$3,948	HK$3,576
6	HK$3,156	HK$3,012
7	HK$3,012	HK$2,976
8	HK$2,916	HK$2,832
9	HK$2,856	HK$2,772
10	HK$2,760	HK$2,652
11	HK$2,556	HK$2,532
12	HK$2,448	HK$2,592
13	HK$2,376	HK$2,736
14	HK$2,388	HK$2,772
15	HK$2,448	HK$2,796
16	HK$2,496	HK$2,808
17	HK$2,616	HK$2,820
18	HK$2,676	HK$2,832
19	HK$2,796	HK$2,856
20	HK$2,808	HK$2,880
21	HK$2,820	HK$2,892
22	HK$2,832	HK$2,916
23	HK$2,856	HK$2,952
24	HK$2,868	HK$2,976
25	HK$2,892	HK$3,132
26	HK$3,408	HK$4,032
27	HK$3,456	HK$4,116
28	HK$3,516	HK$4,236
29	HK$3,576	HK$4,320
30	HK$3,636	HK$4,416
31	HK$3,840	HK$4,752
32	HK$3,936	HK$4,872
33	HK$4,008	HK$4,992
34	HK$4,128	HK$5,160
35	HK$4,248	HK$5,376
36	HK$4,716	HK$5,928
37	HK$4,872	HK$6,156
38	HK$5,016	HK$6,360
39	HK$5,160	HK$6,540
40	HK$5,400	HK$6,876
41	HK$5,568	HK$7,020
42	HK$5,712	HK$7,212
43	HK$5,928	HK$7,476
44	HK$6,156	HK$7,716
45	HK$6,576	HK$8,208
46	HK$6,696	HK$8,280
47	HK$6,936	HK$8,472
48	HK$7,212	HK$8,712
49	HK$7,488	HK$8,940
50	HK$7,872	HK$9,216
51	HK$8,940	HK$10,236
52	HK$9,396	HK$10,560
53	HK$9,876	HK$10,920
54	HK$10,392	HK$11,292
55	HK$11,136	HK$11,880
56	HK$11,328	HK$11,952
57	HK$11,916	HK$12,360
58	HK$12,552	HK$12,828
59	HK$13,176	HK$13,296
60	HK$14,256	HK$14,232
61	HK$15,696	HK$15,540
62	HK$16,416	HK$16,152
63	HK$17,232	HK$16,860
64	HK$18,096	HK$17,616
65	HK$18,576	HK$17,736
66	HK$19,692	HK$19,728
67	HK$20,520	HK$20,520
68	HK$21,168	HK$21,408
69	HK$21,816	HK$22,296
70	HK$23,196	HK$24,156
71	HK$25,008	HK$26,400
72	HK$25,536	HK$27,336
73	HK$26,076	HK$28,260
74	HK$26,556	HK$29,148
75	HK$27,108	HK$30,096
76	HK$29,808	HK$33,480
77	HK$30,216	HK$34,368
78	HK$30,636	HK$35,388
79	HK$31,056	HK$36,396
80	HK$31,776	HK$37,716
81	HK$35,556	HK$42,672
82	HK$35,940	HK$43,656
83	HK$36,948	HK$44,940
84	HK$37,920	HK$46,212
85	HK$38,760	HK$47,460
86	HK$39,192	HK$48,096
87	HK$39,636	HK$48,708
88	HK$40,188	HK$49,440
89	HK$40,740	HK$50,196
90	HK$41,388	HK$50,976
91	HK$41,856	HK$51,576
92	HK$42,312	HK$52,140
93	HK$42,900	HK$52,836
94	HK$43,476	HK$53,508
95	HK$44,100	HK$54,252
96	HK$44,556	HK$54,792
97	HK$44,952	HK$55,260
98	HK$45,468	HK$55,896
99	HK$45,936	HK$56,472

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$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.