VHIS Terms and Benefits

CTF Life is deeply concerned about the fire at Wang Fuk Court in Tai Po and extends its heartfelt condolences to the victims, their families, and everyone affected by this incident.
We are deeply saddened by this event and wish all those injured a full and speedy recovery.
To support our customers during this difficult time, we have activated our 24-hour emergency hotline at +852 2866 8898 for claims assistance and insurance inquiries.
Our team stands ready to support our customers in every way we can.

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Policy Owner CTF Life Planner Intermediaries CIRCLE Member

Leveraging the financial strength and strategic investments of Chow Tai Fook Group’s ecosystem, CTF Life is committed to providing personalised planning solutions, lifelong protection and diverse lifestyle experiences to customers and their loved ones throughout the life journey of “Wellbeing, Growth, Healthcare and Legacy”, while continuously creating value beyond insurance.

VHIS Terms and Benefits (incl. Standard Terms and Conditions, Policy Schedule, Benefit Schedule and Supplement to the VHIS Certified Plan)

Latest Version

Benefit Level	Ward Class / Plan Name	Policy currency	VHIS Certified Plan certification number	English Version
"WiseCare'' Medical Insurance Plan (Effective from 22 July 2024)
-	N/A	HKD	S00028-01-000-03	Download here
"BetterCare'' Medical Insurance Plan (Effective from 22 July 2024) (This Certified Plan is not available for new application. Existing Policy Holders shall renew their policies at the time of renewal subject to the applicable Terms and Benefits.)
1	Ward	HKD	F00021-01-000-03	Download Here
2	Semi-private room		F00021-02-000-03	Download here
3	Standard Private room		F00021-03-000-03	Download here
1	Ward	USD	F00021-04-000-03	Download here
2	Semi-private room		F00021-05-000-03	Download here
3	Standard Private room		F00021-06-000-03	Download here
''TopCare'' Medical Insurance Plan (Effective from 22 July 2024)
1	Ward	HKD	F00037-01-000-03	Download here
2	Ward		F00037-02-000-03	Download here
3	Semi-private room		F00037-03-000-03	Download here
4	Standard Private room		F00037-04-000-03	Download here
1	Ward	USD	F00037-05-000-03	Download here
2	Ward		F00037-06-000-03	Download here
3	Semi-private room		F00037-07-000-03	Download here
4	Standard Private room		F00037-08-000-03	Download here
"FlexiCare" Medical Insurance Plan (Effective from 22 July 2024)
1	Standard Ward Room	HKD	F00064-01-000-02	Download here
2	Standard Semi-private room	HKD	F00064-02-000-02	Download here
1	Standard Ward Room	USD	F00064-03-000-02	Download here
2	Standard Semi-private room	USD	F00064-04-000-02	Download here
"ChampCare" Medical Insurance Plan (Effective from 10 January 2025) (including the Supplement on value-added tax & goods and services tax and inclusion of public & private hospitals in HK in the definition of Hospital)
1	Asia (HKD 36,000 Deductible + HKD 36,000 Benefit Contribution Amount)	HKD	F00077-01-000-01	Download here
2	Asia (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)		F00077-02-000-01	Download here
3	Asia (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)		F00077-03-000-01	Download here
4	Worldwide excluding USA (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)		F00077-04-000-01	Download here
5	Worldwide excluding USA (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)		F00077-05-000-01	Download here
6	Worldwide (HKD 18,000 Deductible + HKD 18,000 Benefit Contribution Amount)		F00077-06-000-01	Download here
7	Worldwide (HKD 0 Deductible + HKD 0 Benefit Contribution Amount)		F00077-07-000-01	Download here
1	Asia (USD 4,640 Deductible + USD 4,640 Benefit Contribution Amount)	USD	F00077-08-000-01	Download here
2	Asia (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)		F00077-09-000-01	Download here
3	Asia (USD 0 Deductible + USD 0 Benefit Contribution Amount)		F00077-10-000-01	Download here
4	Worldwide excluding USA (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)		F00077-11-000-01	Download here
5	Worldwide excluding USA (USD 0 Deductible + USD 0 Benefit Contribution Amount)		F00077-12-000-01	Download here
6	Worldwide (USD 2,320 Deductible + USD 2,320 Benefit Contribution Amount)		F00077-13-000-01	Download here
7	Worldwide (USD 0 Deductible + USD 0 Benefit Contribution Amount)		F00077-14-000-01	Download here

Supplement on value-added tax & goods and services tax (Effective from 1 March 2022)

Benefit Level	Ward Class	Policy currency	VHIS Certified Plan certification number	English Version
"WiseCare'' Medical Insurance Plan
-	N/A	HKD	S00028-01-000-03	Download here
"BetterCare'' Medical Insurance Plan (This Certified Plan is not available for new application. Existing Policy Holders shall renew their policies at the time of renewal subject to the applicable Terms and Benefits.)
1	Ward	HKD	F00021-01-000-03	Download here
2	Semi-private room		F00021-02-000-03
3	Standard Private room		F00021-03-000-03
1	Ward	USD	F00021-04-000-03
2	Semi-private room		F00021-05-000-03
3	Standard Private room		F00021-06-000-03
''TopCare'' Medical Insurance Plan
1	Ward	HKD	F00037-01-000-03	Download here
2	Ward		F00037-02-000-03
3	Semi-private room		F00037-03-000-03
4	Standard Private room		F00037-04-000-03
1	Ward	USD	F00037-05-000-03
2	Ward		F00037-06-000-03
3	Semi-private room		F00037-07-000-03
4	Standard Private room		F00037-08-000-03
"FlexiCare" Medical Insurance Plan
1	Standard Ward Room	HKD	F00064-01-000-02	Download here
2	Standard Semi-private room	HKD	F00064-02-000-02
1	Standard Ward Room	USD	F00064-03-000-02
2	Standard Semi-private room	USD	F00064-04-000-02

Supplement on inclusion of public & private hospitals in HK in the definition of Hospital (Effective from 14 January 2023)

Benefit Level	Ward Class	Policy currency	VHIS Certified Plan certification number	English Version
"WiseCare'' Medical Insurance Plan
-	N/A	HKD	S00028-01-000-03	Download here
"BetterCare'' Medical Insurance Plan
1	Ward	HKD	F00021-01-000-03	Download here
2	Semi-private room		F00021-02-000-03
3	Standard Private room		F00021-03-000-03
1	Ward	USD	F00021-04-000-03
2	Semi-private room		F00021-05-000-03
3	Standard Private room		F00021-06-000-03
''TopCare'' Medical Insurance Plan
1	Ward	HKD	F00037-01-000-03	Download here
2	Ward		F00037-02-000-03
3	Semi-private room		F00037-03-000-03
4	Standard Private room		F00037-04-000-03
1	Ward	USD	F00037-05-000-03
2	Ward		F00037-06-000-03
3	Semi-private room		F00037-07-000-03
4	Standard Private room		F00037-08-000-03
"FlexiCare" Medical Insurance Plan
1	Standard Ward Room	HKD	F00064-01-000-02	Download here
2	Standard Semi-private room	HKD	F00064-02-000-02
1	Standard Ward Room	USD	F00064-03-000-02
2	Standard Semi-private room	USD	F00064-04-000-02

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VHIS Terms and Benefits