HealthFlexi Voluntary Health Insurance Plan - Advanced

「智選無憂」自願醫療保障計劃 - 特選

Zurich Insurance Company Ltd

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Your premium

HK$4,680 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$750,000

Per-illness annual limit

—

Lifetime benefit limit

—

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	$1,800 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$24,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,800 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$8,000 per Policy Year
(e) Intensive care (e) 深切治療	$5,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 8,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$20,000
Surgeon's fee — Major 外科醫生費 — 大型	$40,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$80,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$120,000 per Policy Year
(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	$800, per visit, $5,000 per Policy Year• Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year
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	$800 per day, maximum 90 days per Policy Year
Outpatient kidney dialysis 門診腎透析治療	$100,000 per Policy Year
Hospital companion bed fee reimbursement 陪伴床位保障	$600 per day, maximum 60 days per Policy Year
Private nursing fee (during Confinement) 住院的私家看護	$1,000 per day, maximum 30 days per Policy Year
Medical implants / prosthetic devices 指定醫療裝置	$10,000 per Policy Year
Other medical devices (unspecified items) 其他醫療裝置	$10,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit 出院後復康治療	$15,000 per Policy Year

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,800 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$24,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,800 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$8,000 per Policy Year
(e) Intensive care
(e) 深切治療
$5,000 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 8,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$20,000
Surgeon's fee — Major
外科醫生費 — 大型
$40,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$80,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$30,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$120,000 per Policy Year
(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
$800, per visit, $5,000 per Policy Year• Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year

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
$800 per day, maximum 90 days per Policy Year
Outpatient kidney dialysis
門診腎透析治療
$100,000 per Policy Year
Hospital companion bed fee reimbursement
陪伴床位保障
$600 per day, maximum 60 days per Policy Year
Private nursing fee (during Confinement)
住院的私家看護
$1,000 per day, maximum 30 days per Policy Year
Medical implants / prosthetic devices
指定醫療裝置
$10,000 per Policy Year
Other medical devices (unspecified items)
其他醫療裝置
$10,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit
出院後復康治療
$15,000 per Policy Year

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$7,836	HK$6,636
1	HK$7,512	HK$6,420
2	HK$7,200	HK$6,180
3	HK$6,912	HK$5,976
4	HK$6,252	HK$5,592
5	HK$5,676	HK$5,136
6	HK$5,028	HK$4,812
7	HK$4,836	HK$4,740
8	HK$4,656	HK$4,548
9	HK$4,476	HK$4,476
10	HK$4,368	HK$4,440
11	HK$4,332	HK$4,272
12	HK$4,176	HK$4,380
13	HK$4,008	HK$4,440
14	HK$4,032	HK$4,452
15	HK$4,140	HK$4,488
16	HK$4,188	HK$4,500
17	HK$4,368	HK$4,536
18	HK$4,392	HK$4,596
19	HK$4,416	HK$4,608
20	HK$4,452	HK$4,620
21	HK$4,476	HK$4,716
22	HK$4,488	HK$4,728
23	HK$4,500	HK$4,896
24	HK$4,512	HK$5,028
25	HK$4,536	HK$5,172
26	HK$4,548	HK$5,268
27	HK$4,596	HK$5,280
28	HK$4,608	HK$5,436
29	HK$4,620	HK$5,556
30	HK$4,680	HK$5,676
31	HK$4,812	HK$6,036
32	HK$4,920	HK$6,192
33	HK$5,028	HK$6,348
34	HK$5,172	HK$6,576
35	HK$5,328	HK$6,816
36	HK$5,436	HK$6,828
37	HK$5,616	HK$7,092
38	HK$5,796	HK$7,320
39	HK$5,868	HK$7,380
40	HK$5,928	HK$7,536
41	HK$6,000	HK$7,596
42	HK$6,216	HK$7,848
43	HK$6,228	HK$7,908
44	HK$6,480	HK$8,136
45	HK$6,912	HK$8,628
46	HK$6,996	HK$8,640
47	HK$7,236	HK$8,832
48	HK$7,536	HK$9,096
49	HK$7,812	HK$9,336
50	HK$8,220	HK$9,612
51	HK$9,336	HK$10,680
52	HK$9,792	HK$11,016
53	HK$10,308	HK$11,388
54	HK$10,836	HK$11,796
55	HK$11,616	HK$12,396
56	HK$11,820	HK$12,468
57	HK$12,420	HK$12,900
58	HK$13,116	HK$13,392
59	HK$13,740	HK$13,896
60	HK$14,856	HK$14,856
61	HK$16,380	HK$16,236
62	HK$17,136	HK$16,860
63	HK$17,976	HK$17,592
64	HK$18,876	HK$18,372
65	HK$19,380	HK$18,492
66	HK$20,556	HK$19,548
67	HK$21,408	HK$20,340
68	HK$22,092	HK$21,000
69	HK$22,776	HK$21,636
70	HK$24,216	HK$23,196
71	HK$26,088	HK$25,068
72	HK$26,652	HK$25,668
73	HK$27,216	HK$26,256
74	HK$27,696	HK$26,772
75	HK$28,296	HK$27,312
76	HK$31,116	HK$30,048
77	HK$31,536	HK$30,480
78	HK$31,956	HK$31,020
79	HK$32,412	HK$31,512
80	HK$33,156	HK$32,256
81	HK$37,092	HK$36,072
82	HK$37,500	HK$36,456
83	HK$38,556	HK$37,512
84	HK$39,576	HK$38,580
85	HK$40,440	HK$39,612
86	HK$40,896	HK$40,140
87	HK$41,340	HK$40,668
88	HK$41,928	HK$41,268
89	HK$42,516	HK$41,892
90	HK$43,188	HK$42,552
91	HK$43,680	HK$43,056
92	HK$44,160	HK$43,536
93	HK$44,760	HK$44,112
94	HK$45,348	HK$44,676
95	HK$46,020	HK$45,288
96	HK$46,500	HK$45,756
97	HK$46,896	HK$46,128
98	HK$47,436	HK$46,656
99	HK$47,928	HK$47,148

Other deductible options in this series

4 deductibles — same benefit schedule, premium scales with deductible

Essential

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Essential with SMM

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Advanced

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Advanced with SMM

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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: 2026-04-25

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.