HealthFlexi Voluntary Health Insurance Plan - Essential with SMM

「智選無憂」自願醫療保障計劃 - 精選附帶附加醫療保障

Zurich Insurance Company Ltd

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Your premium

HK$4,152 /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

HK$120,000／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	$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
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
$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

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$7,056	HK$5,976
1	HK$6,768	HK$5,796
2	HK$6,480	HK$5,556
3	HK$6,216	HK$5,376
4	HK$5,628	HK$5,040
5	HK$5,100	HK$4,632
6	HK$4,476	HK$4,272
7	HK$4,296	HK$4,212
8	HK$4,116	HK$4,056
9	HK$3,972	HK$3,960
10	HK$3,852	HK$3,876
11	HK$3,756	HK$3,696
12	HK$3,636	HK$3,780
13	HK$3,468	HK$3,948
14	HK$3,480	HK$3,960
15	HK$3,576	HK$3,972
16	HK$3,612	HK$3,996
17	HK$3,792	HK$4,008
18	HK$3,852	HK$4,020
19	HK$3,888	HK$4,068
20	HK$3,900	HK$4,092
21	HK$3,960	HK$4,116
22	HK$3,972	HK$4,200
23	HK$3,996	HK$4,212
24	HK$4,008	HK$4,356
25	HK$4,020	HK$4,560
26	HK$4,032	HK$4,572
27	HK$4,056	HK$4,656
28	HK$4,068	HK$4,788
29	HK$4,116	HK$4,896
30	HK$4,152	HK$5,016
31	HK$4,236	HK$5,376
32	HK$4,332	HK$5,496
33	HK$4,428	HK$5,628
34	HK$4,560	HK$5,820
35	HK$4,716	HK$6,060
36	HK$4,860	HK$6,120
37	HK$5,028	HK$6,348
38	HK$5,196	HK$6,576
39	HK$5,352	HK$6,756
40	HK$5,568	HK$7,080
41	HK$5,772	HK$7,296
42	HK$5,928	HK$7,488
43	HK$6,156	HK$7,740
44	HK$6,396	HK$8,016
45	HK$6,828	HK$8,508
46	HK$7,032	HK$8,700
47	HK$7,272	HK$8,892
48	HK$7,572	HK$9,156
49	HK$7,860	HK$9,396
50	HK$8,268	HK$9,672
51	HK$9,396	HK$10,752
52	HK$9,852	HK$11,088
53	HK$10,380	HK$11,460
54	HK$10,908	HK$11,856
55	HK$11,688	HK$12,480
56	HK$11,892	HK$12,540
57	HK$12,516	HK$12,996
58	HK$13,176	HK$13,476
59	HK$13,836	HK$13,968
60	HK$14,952	HK$14,940
61	HK$16,476	HK$16,320
62	HK$17,232	HK$16,968
63	HK$18,096	HK$17,712
64	HK$18,996	HK$18,492
65	HK$19,512	HK$18,612
66	HK$20,676	HK$19,680
67	HK$21,552	HK$20,472
68	HK$22,236	HK$21,132
69	HK$22,908	HK$21,768
70	HK$24,348	HK$23,328
71	HK$26,256	HK$25,236
72	HK$26,820	HK$25,836
73	HK$27,396	HK$26,412
74	HK$27,876	HK$26,940
75	HK$28,476	HK$27,492
76	HK$31,296	HK$30,228
77	HK$31,716	HK$30,672
78	HK$32,160	HK$31,212
79	HK$32,616	HK$31,716
80	HK$33,348	HK$32,472
81	HK$37,320	HK$36,300
82	HK$37,740	HK$36,696
83	HK$38,796	HK$37,752
84	HK$39,816	HK$38,820
85	HK$40,716	HK$39,876
86	HK$41,160	HK$40,416
87	HK$41,616	HK$40,920
88	HK$42,192	HK$41,532
89	HK$42,780	HK$42,156
90	HK$43,476	HK$42,828
91	HK$43,956	HK$43,320
92	HK$44,436	HK$43,800
93	HK$45,048	HK$44,388
94	HK$45,636	HK$44,952
95	HK$46,308	HK$45,576
96	HK$46,788	HK$46,032
97	HK$47,196	HK$46,416
98	HK$47,736	HK$46,956
99	HK$48,228	HK$47,448

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4 deductibles — same benefit schedule, premium scales with deductible

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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.