HealthSure Voluntary Health Insurance Plan

「智選守護」自願醫療保障計劃

HealthSure Voluntary Health Insurance Plan is a VHIS Standard plan offered by Zurich Insurance Company Ltd, with ward class N/A (capped), Worldwide coverage and HK$420,000 annual benefit limit. Latest plan-document version: Mar 19, 2021.

01 · Plan at a glanceQuote a premium by age, gender and smoking status

Your premium

HK$2,220 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

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	$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 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	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(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 1 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

Basic Benefits

(a) Room and board
(a) 病房及膳食
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 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
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(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 1 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

Premium Schedule

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

Age	Male	Female
0	HK$3,420	HK$2,892
1	HK$3,288	HK$2,808
2	HK$3,156	HK$2,700
3	HK$3,036	HK$2,616
4	HK$2,736	HK$2,448
5	HK$2,472	HK$2,256
6	HK$2,316	HK$2,196
7	HK$2,220	HK$2,136
8	HK$2,136	HK$2,088
9	HK$2,052	HK$2,052
10	HK$1,968	HK$1,956
11	HK$1,872	HK$1,860
12	HK$1,776	HK$1,908
13	HK$1,740	HK$1,980
14	HK$1,776	HK$2,040
15	HK$1,800	HK$2,076
16	HK$1,836	HK$2,088
17	HK$1,920	HK$2,100
18	HK$1,968	HK$2,112
19	HK$1,992	HK$2,136
20	HK$2,016	HK$2,172
21	HK$2,040	HK$2,196
22	HK$2,076	HK$2,208
23	HK$2,088	HK$2,280
24	HK$2,100	HK$2,376
25	HK$2,112	HK$2,448
26	HK$2,136	HK$2,496
27	HK$2,148	HK$2,520
28	HK$2,172	HK$2,580
29	HK$2,196	HK$2,640
30	HK$2,220	HK$2,712
31	HK$2,280	HK$2,796
32	HK$2,328	HK$2,868
33	HK$2,376	HK$2,940
34	HK$2,448	HK$3,036
35	HK$2,508	HK$3,120
36	HK$2,568	HK$3,180
37	HK$2,628	HK$3,300
38	HK$2,700	HK$3,408
39	HK$2,772	HK$3,516
40	HK$2,916	HK$3,648
41	HK$2,988	HK$3,756
42	HK$3,108	HK$3,876
43	HK$3,216	HK$4,008
44	HK$3,312	HK$4,140
45	HK$3,468	HK$4,308
46	HK$3,600	HK$4,440
47	HK$3,720	HK$4,548
48	HK$3,876	HK$4,680
49	HK$4,020	HK$4,800
50	HK$4,236	HK$4,956
51	HK$4,476	HK$5,268
52	HK$4,716	HK$5,616
53	HK$5,088	HK$5,892
54	HK$5,460	HK$6,156
55	HK$5,856	HK$6,360
56	HK$6,156	HK$6,588
57	HK$6,468	HK$6,816
58	HK$6,816	HK$7,068
59	HK$7,200	HK$7,320
60	HK$7,656	HK$7,596
61	HK$8,292	HK$8,196
62	HK$8,976	HK$8,616
63	HK$9,612	HK$8,988
64	HK$9,876	HK$9,396
65	HK$10,116	HK$9,456
66	HK$10,716	HK$10,008
67	HK$11,136	HK$10,416
68	HK$11,556	HK$10,836
69	HK$12,096	HK$11,328
70	HK$12,708	HK$11,928
71	HK$13,296	HK$12,516
72	HK$13,776	HK$12,996
73	HK$14,232	HK$13,560
74	HK$14,652	HK$14,076
75	HK$15,012	HK$14,616
76	HK$15,588	HK$15,048
77	HK$16,212	HK$15,636
78	HK$16,836	HK$16,200
79	HK$17,376	HK$16,776
80	HK$17,856	HK$17,328
81	HK$18,288	HK$17,688
82	HK$18,876	HK$18,180
83	HK$19,416	HK$18,708
84	HK$19,908	HK$19,248
85	HK$20,352	HK$19,776
86	HK$20,820	HK$20,028
87	HK$21,216	HK$20,292
88	HK$21,516	HK$20,616
89	HK$21,792	HK$20,916
90	HK$21,972	HK$21,252
91	HK$22,236	HK$21,516
92	HK$22,476	HK$21,756
93	HK$22,692	HK$22,056
94	HK$22,980	HK$22,320
95	HK$23,160	HK$22,632
96	HK$23,400	HK$22,860
97	HK$23,616	HK$23,052
98	HK$23,880	HK$23,316
99	HK$24,120	HK$23,568

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

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: 2026-04-17