HealthFlexi Voluntary Health Insurance Plan - Advanced with SMM

「智選無憂」自願醫療保障計劃 - 特選附帶附加醫療保障

Zurich Insurance Company Ltd

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Your premium

HK$6,336 /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

HK$240,000／per policy year, 20% coinsurance

Coverage Tiers & Conditions

This plan applies tiered caps or conditional rules on selected benefits

Delayed onset

(a) 合資格費用在扣除基本保障(a) 、(c) 或 (e) 的日數賠償限額後
Effective from day 181 of confinement

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
Event Benefits
Accidental Death benefit 意外死亡保障	$100,000

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

Event Benefits

Accidental Death benefit
意外死亡保障
$100,000

Premium Schedule

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

Age	Male	Female
0	HK$10,560	HK$8,940
1	HK$10,140	HK$8,676
2	HK$9,720	HK$8,328
3	HK$9,336	HK$8,052
4	HK$8,436	HK$7,548
5	HK$7,656	HK$6,936
6	HK$6,792	HK$6,492
7	HK$6,516	HK$6,396
8	HK$6,276	HK$6,132
9	HK$6,036	HK$6,048
10	HK$5,892	HK$5,988
11	HK$5,856	HK$5,760
12	HK$5,628	HK$5,916
13	HK$5,412	HK$6,000
14	HK$5,448	HK$6,012
15	HK$5,580	HK$6,048
16	HK$5,652	HK$6,060
17	HK$5,916	HK$6,108
18	HK$5,928	HK$6,216
19	HK$5,976	HK$6,228
20	HK$6,012	HK$6,240
21	HK$6,036	HK$6,360
22	HK$6,048	HK$6,396
23	HK$6,072	HK$6,588
24	HK$6,096	HK$6,792
25	HK$6,108	HK$6,996
26	HK$6,120	HK$7,116
27	HK$6,180	HK$7,128
28	HK$6,192	HK$7,320
29	HK$6,228	HK$7,500
30	HK$6,336	HK$7,656
31	HK$6,492	HK$8,148
32	HK$6,636	HK$8,352
33	HK$6,780	HK$8,556
34	HK$6,996	HK$8,856
35	HK$7,188	HK$9,216
36	HK$7,356	HK$9,228
37	HK$7,572	HK$9,576
38	HK$7,812	HK$9,876
39	HK$7,932	HK$9,960
40	HK$8,016	HK$10,176
41	HK$8,100	HK$10,236
42	HK$8,388	HK$10,596
43	HK$8,412	HK$10,668
44	HK$8,748	HK$10,956
45	HK$9,336	HK$11,640
46	HK$9,432	HK$11,676
47	HK$9,756	HK$11,928
48	HK$10,152	HK$12,276
49	HK$10,548	HK$12,600
50	HK$11,088	HK$12,996
51	HK$12,588	HK$14,436
52	HK$13,212	HK$14,868
53	HK$13,920	HK$15,372
54	HK$14,628	HK$15,900
55	HK$15,672	HK$16,740
56	HK$15,948	HK$16,836
57	HK$16,776	HK$17,412
58	HK$17,676	HK$18,072
59	HK$18,552	HK$18,732
60	HK$20,052	HK$20,040
61	HK$22,116	HK$21,900
62	HK$23,136	HK$22,752
63	HK$24,276	HK$23,748
64	HK$25,476	HK$24,816
65	HK$26,160	HK$24,972
66	HK$27,732	HK$26,400
67	HK$28,896	HK$27,456
68	HK$29,820	HK$28,356
69	HK$30,732	HK$29,196
70	HK$32,676	HK$31,296
71	HK$35,220	HK$33,828
72	HK$35,976	HK$34,656
73	HK$36,732	HK$35,436
74	HK$37,392	HK$36,132
75	HK$38,196	HK$36,876
76	HK$41,988	HK$40,560
77	HK$42,552	HK$41,148
78	HK$43,140	HK$41,868
79	HK$43,752	HK$42,540
80	HK$44,736	HK$43,548
81	HK$50,076	HK$48,696
82	HK$50,628	HK$49,200
83	HK$52,056	HK$50,640
84	HK$53,412	HK$52,080
85	HK$54,600	HK$53,496
86	HK$55,212	HK$54,192
87	HK$55,812	HK$54,888
88	HK$56,616	HK$55,716
89	HK$57,396	HK$56,556
90	HK$58,296	HK$57,456
91	HK$58,956	HK$58,116
92	HK$59,616	HK$58,752
93	HK$60,420	HK$59,556
94	HK$61,212	HK$60,300
95	HK$62,136	HK$61,128
96	HK$62,772	HK$61,752
97	HK$63,312	HK$62,268
98	HK$64,056	HK$62,976
99	HK$64,716	HK$63,636

Other deductible options in this series

4 deductibles — same benefit schedule, premium scales with deductible

Essential

View details →

Essential with SMM

View details →

Advanced

View details →

Advanced with SMM

Current page

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.