HealthFlexi Voluntary Health Insurance Plan - Essential

「智選無憂」自願醫療保障計劃 - 精選

Zurich Insurance Company Ltd

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Your premium

HK$3,192 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$550,000

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	$900 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$16,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$900 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$6,000 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 5,750
Surgeon's fee — Intermediate 外科醫生費 — 中型	$13,500
Surgeon's fee — Major 外科醫生費 — 大型	$27,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$54,000
(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	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 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	$580, per visit, $3,000 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	$3,000 per Policy Year, within 48 hours of the Accident
Daily post-surgery home nursing benefit 家居看護費用	$500 per day, maximum 90 days per Policy Year
Outpatient kidney dialysis 門診腎透析治療	$50,000 per Policy Year
Hospital companion bed fee reimbursement 陪伴床位保障	$400 per day, maximum 60 days per Policy Year
Private nursing fee (during Confinement) 住院的私家看護	$800 per day, maximum 30 days per Policy Year
Medical implants / prosthetic devices 指定醫療裝置	$5,000 per Policy Year
Other medical devices (unspecified items) 其他醫療裝置	$5,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit 出院後復康治療	$10,000 per Policy Year

Basic Benefits

(a) Room and board
(a) 病房及膳食
$900 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$16,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$900 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$6,000 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 5,750
Surgeon's fee — Intermediate
外科醫生費 — 中型
$13,500
Surgeon's fee — Major
外科醫生費 — 大型
$27,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$54,000
(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
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 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
$580, per visit, $3,000 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
$3,000 per Policy Year, within 48 hours of the Accident
Daily post-surgery home nursing benefit
家居看護費用
$500 per day, maximum 90 days per Policy Year
Outpatient kidney dialysis
門診腎透析治療
$50,000 per Policy Year
Hospital companion bed fee reimbursement
陪伴床位保障
$400 per day, maximum 60 days per Policy Year
Private nursing fee (during Confinement)
住院的私家看護
$800 per day, maximum 30 days per Policy Year
Medical implants / prosthetic devices
指定醫療裝置
$5,000 per Policy Year
Other medical devices (unspecified items)
其他醫療裝置
$5,000 per Policy Year
Cancer / cardiac / stroke rehabilitation benefit
出院後復康治療
$10,000 per Policy Year

Premium Schedule

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

Age	Male	Female
0	HK$5,412	HK$4,596
1	HK$5,208	HK$4,452
2	HK$4,992	HK$4,296
3	HK$4,788	HK$4,128
4	HK$4,332	HK$3,876
5	HK$3,936	HK$3,576
6	HK$3,456	HK$3,288
7	HK$3,300	HK$3,240
8	HK$3,168	HK$3,108
9	HK$3,060	HK$3,048
10	HK$2,976	HK$2,976
11	HK$2,892	HK$2,832
12	HK$2,796	HK$2,916
13	HK$2,676	HK$3,036
14	HK$2,688	HK$3,048
15	HK$2,748	HK$3,060
16	HK$2,796	HK$3,072
17	HK$2,916	HK$3,096
18	HK$2,976	HK$3,108
19	HK$2,988	HK$3,132
20	HK$3,000	HK$3,156
21	HK$3,048	HK$3,168
22	HK$3,060	HK$3,240
23	HK$3,072	HK$3,252
24	HK$3,096	HK$3,336
25	HK$3,108	HK$3,516
26	HK$3,120	HK$3,528
27	HK$3,132	HK$3,576
28	HK$3,156	HK$3,696
29	HK$3,168	HK$3,768
30	HK$3,192	HK$3,852
31	HK$3,276	HK$4,128
32	HK$3,336	HK$4,236
33	HK$3,408	HK$4,332
34	HK$3,516	HK$4,476
35	HK$3,612	HK$4,656
36	HK$3,756	HK$4,716
37	HK$3,876	HK$4,896
38	HK$3,996	HK$5,052
39	HK$4,116	HK$5,196
40	HK$4,296	HK$5,448
41	HK$4,440	HK$5,616
42	HK$4,560	HK$5,760
43	HK$4,728	HK$5,952
44	HK$4,920	HK$6,168
45	HK$5,256	HK$6,552
46	HK$5,412	HK$6,696
47	HK$5,592	HK$6,840
48	HK$5,820	HK$7,032
49	HK$6,048	HK$7,236
50	HK$6,360	HK$7,440
51	HK$7,236	HK$8,268
52	HK$7,596	HK$8,532
53	HK$7,980	HK$8,820
54	HK$8,388	HK$9,120
55	HK$8,988	HK$9,600
56	HK$9,156	HK$9,648
57	HK$9,612	HK$9,996
58	HK$10,140	HK$10,368
59	HK$10,656	HK$10,740
60	HK$11,508	HK$11,496
61	HK$12,696	HK$12,552
62	HK$13,260	HK$13,056
63	HK$13,920	HK$13,620
64	HK$14,616	HK$14,220
65	HK$15,012	HK$14,316
66	HK$15,912	HK$15,132
67	HK$16,572	HK$15,756
68	HK$17,100	HK$16,260
69	HK$17,628	HK$16,752
70	HK$18,732	HK$17,952
71	HK$20,196	HK$19,416
72	HK$20,628	HK$19,872
73	HK$21,060	HK$20,316
74	HK$21,456	HK$20,736
75	HK$21,900	HK$21,156
76	HK$24,096	HK$23,256
77	HK$24,396	HK$23,616
78	HK$24,756	HK$24,012
79	HK$25,092	HK$24,396
80	HK$25,656	HK$24,972
81	HK$28,716	HK$27,936
82	HK$29,028	HK$28,212
83	HK$29,856	HK$29,040
84	HK$30,636	HK$29,868
85	HK$31,308	HK$30,672
86	HK$31,668	HK$31,080
87	HK$32,016	HK$31,476
88	HK$32,460	HK$31,956
89	HK$32,916	HK$32,436
90	HK$33,432	HK$32,940
91	HK$33,816	HK$33,336
92	HK$34,188	HK$33,696
93	HK$34,656	HK$34,140
94	HK$35,100	HK$34,596
95	HK$35,628	HK$35,052
96	HK$36,000	HK$35,412
97	HK$36,312	HK$35,712
98	HK$36,720	HK$36,108
99	HK$37,116	HK$36,492

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.