How do I check VHIS intensive care benefit limits?

The Standard Plan schedule lists intensive care at HK$3,500 per day, for a maximum of 25 days per policy year. Read both fields: a daily amount does not remove the covered-day restriction, and the day count is not a fresh allowance for every admission. These are Standard Plan figures. [C2]

The official search page separates the maximum daily amount from the maximum days per policy year. Transfer both entries from the exact schedule applicable to your policy, including its notes, rather than relying on a search label. [C1]

The template covers eligible expenses charged for intensive care services when the insured person is admitted to an intensive care unit during confinement. It is an expense benefit under the policy, not a promise to pay the maximum daily amount regardless of the charge. [C2]

The template also distinguishes intensive care from room and board: eligible expenses payable as intensive care are not payable again under the room-and-board item. Ask which item each charge belongs to; do not add overlapping descriptions as separate reimbursement. [C2]

No. The Standard Plan schedule supplies the basic reference, while product rules allow Flexi Plans to enhance basic benefits and reflect changes in their schedules. Read your own intensive care row, limits and footnotes. An enhancement cannot be established merely from the word Flexi. [C2, C3]

Ask whether your schedule has an itemised daily or day-count limit and what other applicable terms govern the benefit. This guide does not calculate a ward adjustment or determine whether an admission was medically necessary. [C1, C4]

Ask it to identify the applicable intensive care clause, eligible charges, dates counted, relevant policy year, daily restriction and covered-day balance. Request the reason for any charge placed under a different item. These questions help connect the schedule to the individual expense without treating a maximum as an entitlement. [C1, C2, C4]

Your policy wording and circumstances govern the result. Use the insurer or a licensed broker to resolve unclear terms and keep medical documents out of the site’s general enquiry form. No universal claim outcome follows from the ICU label. [C4]

What is the Standard Plan daily ICU limit?

It is HK$3,500 per day in the cited Standard Plan schedule. [C2]

What is the Standard Plan covered-day limit?

A maximum of 25 days per policy year is stated. [C2]

Does the day allowance restart on each admission?

The stated restriction is per policy year, not per admission. [C2]

Is the daily maximum automatically paid as cash?

No. This benefit concerns eligible intensive care expenses. [C2]

Can the same ICU expense also be paid as room and board?

The template expressly prevents that overlap for expenses payable as intensive care. [C2]

Must a Flexi Plan use the quoted Standard Plan figures?

Check its own applicable schedule and enhanced terms. [C2, C3]

Who can explain how my days were counted?

Ask the insurer for the policy-year calculation and relevant clause; a licensed broker can help. [C1, C4]

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We provide information and referrals to a licensed Hong Kong broker; regulated advice and arrangements belong with that broker. Mainland visitors must sign in Hong Kong. Do not send identity, tax or medical documents through the general enquiry form. [C4]

General information, not advice.