ByCompany

Chubb Life Insurance Hong Kong Limited — same-insurer plan comparison

Chubb Life Insurance Hong Kong Limited · 15 plan series (40 variants, HKD/USD merged, sorted from basic to comprehensive)

Per-plan benefit prose falls back to Traditional Chinese where the source PDF was not translated.

15/15

Chubb VHIS - Standard Plan

安達自願醫保（標準）計劃

Ver. Apr 1, 2025

Score59/100

StandardCat 1Ward: N/ARegion: Worldwide

VHIS Cert. No.: S00044-01-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Chubb VHIS - Flexi Plan - Ward

安達自願醫保（靈活）計劃 - 普通HKD + USD

Ver. Apr 1, 2025

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00027-02-000-03Benefits PDF Premiums PDF
F00027-06-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$600,000(US$76,923)
Per-illness limit: —
SMM Supplemental Major Medical: —

Chubb VHIS - Flexi Plan - Ward with Top-up benefit

安達自願醫保（靈活）計劃 - 普通及附加額外保障HKD + USD

Ver. Apr 1, 2025

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00027-02-001-03Benefits PDF Premiums PDF
F00027-06-001-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$600,000(US$76,923)
Per-illness limit: —
SMM Supplemental Major Medical: $500,000 · 20% co-insurance

Chubb VHIS - Flexi Plan - Classic

安達自願醫保（靈活）計劃 - 基本HKD + USD

Ver. Apr 1, 2025

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00027-01-000-03Benefits PDF Premiums PDF
F00027-05-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$500,000(US$64,103)
Per-illness limit: —
SMM Supplemental Major Medical: —

Chubb VHIS - Flexi Plan - Classic with Top-up benefit

安達自願醫保（靈活）計劃 - 基本及附加額外保障HKD + USD

Ver. Apr 1, 2025

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00027-01-001-03Benefits PDF Premiums PDF
F00027-05-001-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$500,000(US$64,103)
Per-illness limit: —
SMM Supplemental Major Medical: $500,000 · 30% co-insurance

Chubb VHIS - Flexi Plan - Semi-Private

安達自願醫保（靈活）計劃 - 半私家HKD + USD

Ver. Apr 1, 2025

Score79/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00027-03-000-03Benefits PDF Premiums PDF
F00027-07-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$800,000(US$102,564)
Per-illness limit: —
SMM Supplemental Major Medical: —

Chubb VHIS - Flexi Plan - Semi-Private with Top-up benefit

安達自願醫保（靈活）計劃 - 半私家及附加額外保障HKD + USD

Ver. Apr 1, 2025

Score79/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00027-03-001-03Benefits PDF Premiums PDF
F00027-07-001-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$800,000(US$102,564)
Per-illness limit: —
SMM Supplemental Major Medical: $500,000 · 20% co-insurance

Chubb VHIS - Flexi Plan - Private

安達自願醫保（靈活）計劃 - 私家HKD + USD

Ver. Apr 1, 2025

Score91/100

FlexiCat 1Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00027-04-000-03Benefits PDF Premiums PDF
F00027-08-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$1,000,000(US$128,205)
Per-illness limit: —
SMM Supplemental Major Medical: —

Chubb VHIS - Flexi Plan - Private with Top-up benefit

安達自願醫保（靈活）計劃 - 私家及附加額外保障HKD + USD

Ver. Apr 1, 2025

Score91/100

FlexiCat 1Ward: Standard Private RoomRegion: Worldwide

VHIS Cert. No.: F00027-04-001-03Benefits PDF Premiums PDF
F00027-08-001-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$1,000,000(US$128,205)
Per-illness limit: —
SMM Supplemental Major Medical: $500,000 · 20% co-insurance

VHIS Series - Flexi Plan (SMM) - Flexi Plan SMM

自願醫保系列－靈活計劃（附加保障） - 靈活計劃(附加保障)

Renewal only

Ver. Nov 1, 2022

Score65/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00055-01-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$570,000
Per-illness limit: —
SMM Supplemental Major Medical: $150,000 · 10% co-insurance

Chubb VHIS - Superb Plan

安達自願醫保（摯裕）計劃

Ver. Dec 16, 2025

Score71/100

FlexiCat 3Ward: WardRegion: Greater China

VHIS Cert. No.: F00082-01-000-01Benefits PDF Premiums PDF
F00082-02-000-01Benefits PDF Premiums PDF
F00082-03-000-01Benefits PDF Premiums PDF
F00082-04-000-01Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$6,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$25K$50K$100K

VHIS Series - Flexi Plan (Superior) - Standard Ward

自願醫保系列－靈活計劃（優越） - 普通病房

Renewal only

Ver. Nov 1, 2022

Score71/100

FlexiCat 3Ward: WardRegion: Asia

VHIS Cert. No.: F00056-06-000-02Benefits PDF Premiums PDF
F00056-07-000-02Benefits PDF Premiums PDF
F00056-08-000-02Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$5,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$15K$25K

VHIS Series - Flexi Plan (Superior) - Semi-Private Room

自願醫保系列－靈活計劃（優越） - 半私家病房

Renewal only

Ver. Nov 1, 2022

Score88/100

FlexiCat 3Ward: Semi-Private RoomRegion: Asia

VHIS Cert. No.: F00056-01-000-03Benefits PDF Premiums PDF
F00056-02-000-03Benefits PDF Premiums PDF
F00056-03-000-03Benefits PDF Premiums PDF
F00056-04-000-03Benefits PDF Premiums PDF
F00056-05-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$30,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$15K$25K$50K$75K

Chubb VHIS - Prime Plan

安達自願醫保（優裕）計劃 (亞洲)

Ver. Apr 16, 2024

Score88/100

FlexiCat 3Ward: Semi-Private RoomRegion: Asia

VHIS Cert. No.: F00075-01-000-01Benefits PDF Premiums PDF
F00075-02-000-01Benefits PDF Premiums PDF
F00075-03-000-01Benefits PDF Premiums PDF
F00075-04-000-01Benefits PDF Premiums PDF
F00075-05-000-01Benefits PDF Premiums PDF
Lifetime Limit: HK$40,000,000
Annual Limit: HK$10,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$25K$50K$100K$150K

Chubb VHIS - Prime Plan

安達自願醫保（優裕）計劃 (全球不包括美國)

Ver. Apr 16, 2024

Score98/100

FlexiCat 3Ward: Standard Private RoomRegion: Worldwide (excluding United States)

VHIS Cert. No.: F00075-06-000-01Benefits PDF Premiums PDF
F00075-07-000-01Benefits PDF Premiums PDF
F00075-08-000-01Benefits PDF Premiums PDF
F00075-09-000-01Benefits PDF Premiums PDF
F00075-10-000-01Benefits PDF Premiums PDF
Lifetime Limit: HK$60,000,000
Annual Limit: HK$15,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$25K$50K$100K$150K

計劃名稱

Chubb VHIS - Standard Plan

安達自願醫保（標準）計劃

Cat 1

Ver. Apr 1, 2025

VHIS Cert. No.

S00044-01-000-03Benefits PDFPremiums PDF

Coverage Score

59/100

Plan Type

Standard

Coverage region

Worldwide

Ward class

N/A (capped)

Lifetime benefit limit

—

Annual benefit limit

HK$420,000

Per-illness benefit limit

—

SMM Supplemental Major Medical

—

Deductible Options

—

Basic Benefits Basic

(a) Room and board

$750 per day, maximum 180 days per Policy Year

(b) Miscellaneous charges

$14,000 per Policy Year

$750 per day, maximum 180 days per Policy Year

(d) Specialist's fee

$4,300 per Policy Year

(e) Intensive care

$3,500 per day, maximum 25 days per Policy Year

(f) Surgeon's fee

—

(f) Surgeon's fee — Minor

$5,000

(f) Surgeon's fee — Intermediate

$12,500

(f) Surgeon's fee — Major

$25,000

(f) Surgeon's fee — Complex

$50,000

(g) Anaesthetist's fee

35% of Surgeon's fee payable

(h) Operating theatre charges

35% of Surgeon's fee payable

(i) Prescribed Diagnostic Imaging Tests

$20,000 per Policy Year. Subject to 30% Coinsurance.

(j) Prescribed Non-surgical Cancer Treatments

$80,000 per Policy Year

(k) Pre- and post-Confinement / Day Case Procedure outpatient care

$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

$30,000 per Policy Year

Extra Benefits Extra

Outpatient kidney dialysis

—

Emergency outpatient treatment for Accident

—

Hospice and palliative care benefit

—

Isolation ward charges benefit

—

Daily post-surgery home nursing benefit

—

Reconstructive surgery for specified conditions

—

Medical implants / prosthetic devices

—

Post-Confinement / Day Case Procedure auxiliary therapy

—

Emergency dental benefit (Accident only)

—

Complications of pregnancy

—

Cancer / cardiac / stroke rehabilitation benefit

—

Organ transplant donor benefit

—

Post-discharge outpatient psychiatric treatment

—

Hospital companion bed fee reimbursement

—

Health check-up benefit

—

Designated family member daily cash benefit

—

Deductible for items (a)–(n)

—

Attending doctor's visit fee (top-up)

—

Intensive care (top-up)

—

Miscellaneous charges (top-up)

—

Pre- and post-Confinement / Day Case Procedure outpatient care (top-up)

—

Room and board (top-up)

—

Specialist's fee (top-up)

—

Cash Benefits Cash

Day surgery cash benefit

—

Daily hospital cash supplement

—

Lower ward class cash benefit

—

Event Benefits Event

Compassionate death benefit

$8,800

Medical accident and incident extension benefit

—

Accidental Death benefit

—

計劃名稱

Chubb VHIS - Standard Plan

安達自願醫保（標準）計劃

Cat 1

Ver. Apr 1, 2025

計劃 1 / 15

安達自願醫保（標準）計劃

Chubb VHIS - Standard Plan

標準Cat 1Ver. Apr 1, 2025保障評分 59/100

VHIS 認可編號: S00044-01-000-03
計劃類別: 標準
保障地域範圍: 全球 Worldwide
病房級別: 不適用（受賠償上限規限）
每年賠償限額: HK$420,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $750 per day, maximum 180 days per Policy Year
(b) 雜項開支: $14,000 per Policy Year
(c) 主診醫生巡房費: $750 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $3,500 per day, maximum 25 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $5,000
(f) 外科醫生費 — 中型: $12,500
(f) 外科醫生費 — 大型: $25,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(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) 精神科治療: $30,000 per Policy Year

額外保障 Extra

門診洗腎: —
意外急症門診治療費用賠償: —
善終服務: —
隔離病房費: —
家中看護: —
指定重建手術保障: —
醫療植入裝置: —
出院後 / 日間手術後的額外門診輔助治療: —
意外牙科治療: —
懷孕併發症: —
復康保障: —
器官移植的捐贈者保障: —
出院後精神科門診治療: —
住院陪床: —
身體檢查保障: —
指定家庭成員每日現金保障: —
保障項目(a) – (n)的自付費: —
主診醫生巡房費 (額外): —
深切治療 (額外): —
雜項開支 (額外): —
入院前後門診 (額外): —
病房及膳食 (額外): —
專科醫生費 (額外): —

現金保障 Cash

日間手術現金惠益: —
額外現金補貼保障: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $8,800
醫療意外事故保障: —
意外身故賠償: —

計劃 2 / 15

安達自願醫保（靈活）計劃 - 普通(港元)HKD + USD

Chubb VHIS - Flexi Plan - Ward (HKD)

靈活Cat 1Ver. Apr 1, 2025保障評分 65/100

VHIS 認可編號: F00027-02-000-03F00027-06-000-03
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: HK$600,000(US$76,923)
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,200(US$154)
(b) 雜項開支: $18,000(US$2,308)
(c) 主診醫生巡房費: $1,200(US$154)
(d) 專科醫生費: $5,500(US$705)
(e) 深切治療: $5,000(US$641)
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $6,000(US$769)
(f) 外科醫生費 — 中型: $15,000(US$1,923)
(f) 外科醫生費 — 大型: $30,000(US$3,846)
(f) 外科醫生費 — 複雜: $60,000(US$7,692)
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $30,000(US$3,846)
(j) 訂明非手術癌症治療: $80,000(US$10,256)
(k) 入院前或出院後／日間手術前後的門診護理: $900, (US$115,) per visit, $4,500 (US$577) 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) 精神科治療: $40,000(US$5,128)

額外保障 Extra

門診洗腎: $30,000(US$3,846)
意外急症門診治療費用賠償: $15,000(US$1,923)
善終服務: $30,000(US$3,846)
隔離病房費: $600(US$77)
家中看護: $800(US$103)
指定重建手術保障: —
醫療植入裝置: —
出院後 / 日間手術後的額外門診輔助治療: —
意外牙科治療: —
懷孕併發症: —
復康保障: —
器官移植的捐贈者保障: —
出院後精神科門診治療: —
住院陪床: $400(US$51)
身體檢查保障: $250(US$32)
指定家庭成員每日現金保障: —
保障項目(a) – (n)的自付費: —
主診醫生巡房費 (額外): —
深切治療 (額外): —
雜項開支 (額外): —
入院前後門診 (額外): —
病房及膳食 (額外): —
專科醫生費 (額外): —

現金保障 Cash

日間手術現金惠益: —
額外現金補貼保障: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000(US$1,282)
醫療意外事故保障: $10,000(US$1,282)
意外身故賠償: $10,000(US$1,282)

計劃 3 / 15

安達自願醫保（靈活）計劃 - 普通及附加額外保障(港元)HKD + USD

Chubb VHIS - Flexi Plan - Ward with Top-up benefit (HKD)

靈活Cat 1Ver. Apr 1, 2025保障評分 65/100

VHIS 認可編號: F00027-02-001-03F00027-06-001-03
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: HK$600,000(US$76,923)
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $500,000 · 20% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,200(US$154)
(b) 雜項開支: $18,000(US$2,308)
(c) 主診醫生巡房費: $1,200(US$154)
(d) 專科醫生費: $5,500(US$705)
(e) 深切治療: $5,000(US$641)
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $6,000(US$769)
(f) 外科醫生費 — 中型: $15,000(US$1,923)
(f) 外科醫生費 — 大型: $30,000(US$3,846)
(f) 外科醫生費 — 複雜: $60,000(US$7,692)
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $30,000(US$3,846)
(j) 訂明非手術癌症治療: $80,000(US$10,256)
(k) 入院前或出院後／日間手術前後的門診護理: $900, (US$115,) per visit, $4,500 (US$577) 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) 精神科治療: $40,000(US$5,128)

額外保障 Extra

門診洗腎: $30,000(US$3,846)
意外急症門診治療費用賠償: $15,000(US$1,923)
善終服務: $30,000(US$3,846)
隔離病房費: $600(US$77)
家中看護: $800(US$103)
指定重建手術保障: —
醫療植入裝置: —
出院後 / 日間手術後的額外門診輔助治療: —
意外牙科治療: —
懷孕併發症: —
復康保障: —
器官移植的捐贈者保障: —
出院後精神科門診治療: —
住院陪床: $400(US$51)
身體檢查保障: $250(US$32)
指定家庭成員每日現金保障: —
保障項目(a) – (n)的自付費: —
主診醫生巡房費 (額外): $500,000(shared)
深切治療 (額外): $500,000(shared)
雜項開支 (額外): $500,000(shared)
入院前後門診 (額外): $500,000(shared)
病房及膳食 (額外): $500,000(shared)
專科醫生費 (額外): $500,000(shared)

現金保障 Cash

日間手術現金惠益: —
額外現金補貼保障: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000(US$1,282)
醫療意外事故保障: $10,000(US$1,282)
意外身故賠償: $10,000(US$1,282)

計劃 4 / 15

安達自願醫保（靈活）計劃 - 基本(港元)HKD + USD

Chubb VHIS - Flexi Plan - Classic (HKD)

靈活Cat 1Ver. Apr 1, 2025保障評分 65/100 (65–66)

VHIS 認可編號: F00027-01-000-03F00027-05-000-03
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: HK$500,000(US$64,103)
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $850(US$109)
(b) 雜項開支: $14,000(US$1,795)
(c) 主診醫生巡房費: $850(US$109)
(d) 專科醫生費: $4,300(US$551)
(e) 深切治療: $3,500(US$449)
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $5,000(US$641)
(f) 外科醫生費 — 中型: $12,500(US$1,603)
(f) 外科醫生費 — 大型: $25,000(US$3,205)
(f) 外科醫生費 — 複雜: $50,000(US$6,410)
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000(US$2,564)
(j) 訂明非手術癌症治療: $80,000(US$10,256)
(k) 入院前或出院後／日間手術前後的門診護理: $700, (US$90,) per visit, $3,500 (US$449) 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) 精神科治療: $30,000(US$3,846)

額外保障 Extra

門診洗腎: $10,000(US$1,282)
意外急症門診治療費用賠償: $5,000(US$641)
善終服務: $15,000(US$1,923)
隔離病房費: $450(US$58)
家中看護: $500(US$64)
指定重建手術保障: —
醫療植入裝置: —
出院後 / 日間手術後的額外門診輔助治療: —
意外牙科治療: —
懷孕併發症: —
復康保障: —
器官移植的捐贈者保障: —
出院後精神科門診治療: —
住院陪床: $400(US$51)
身體檢查保障: $250(US$32)
指定家庭成員每日現金保障: —
保障項目(a) – (n)的自付費: —
主診醫生巡房費 (額外): —
深切治療 (額外): —
雜項開支 (額外): —
入院前後門診 (額外): —
病房及膳食 (額外): —
專科醫生費 (額外): —

現金保障 Cash

日間手術現金惠益: —
額外現金補貼保障: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000(US$1,282)
醫療意外事故保障: $10,000(US$1,282)
意外身故賠償: $10,000(US$1,282)

計劃 5 / 15

安達自願醫保（靈活）計劃 - 基本及附加額外保障(港元)HKD + USD

Chubb VHIS - Flexi Plan - Classic with Top-up benefit (HKD)

靈活Cat 1Ver. Apr 1, 2025保障評分 65/100 (65–66)

VHIS 認可編號: F00027-01-001-03F00027-05-001-03
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: HK$500,000(US$64,103)
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $500,000 · 30% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $850(US$109)
(b) 雜項開支: $14,000(US$1,795)
(c) 主診醫生巡房費: $850(US$109)
(d) 專科醫生費: $4,300(US$551)
(e) 深切治療: $3,500(US$449)
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $5,000(US$641)
(f) 外科醫生費 — 中型: $12,500(US$1,603)
(f) 外科醫生費 — 大型: $25,000(US$3,205)
(f) 外科醫生費 — 複雜: $50,000(US$6,410)
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000(US$2,564)
(j) 訂明非手術癌症治療: $80,000(US$10,256)
(k) 入院前或出院後／日間手術前後的門診護理: $700, (US$90,) per visit, $3,500 (US$449) 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) 精神科治療: $30,000(US$3,846)

額外保障 Extra

門診洗腎: $10,000(US$1,282)
意外急症門診治療費用賠償: $5,000(US$641)
善終服務: $15,000(US$1,923)
隔離病房費: $450(US$58)
家中看護: $500(US$64)
指定重建手術保障: —
醫療植入裝置: —
出院後 / 日間手術後的額外門診輔助治療: —
意外牙科治療: —
懷孕併發症: —
復康保障: —
器官移植的捐贈者保障: —
出院後精神科門診治療: —
住院陪床: $400(US$51)
身體檢查保障: $250(US$32)
指定家庭成員每日現金保障: —
保障項目(a) – (n)的自付費: —
主診醫生巡房費 (額外): $500,000(shared)
深切治療 (額外): $500,000(shared)
雜項開支 (額外): $500,000(shared)
入院前後門診 (額外): $500,000(shared)
病房及膳食 (額外): $500,000(shared)
專科醫生費 (額外): $500,000(shared)

現金保障 Cash

日間手術現金惠益: —
額外現金補貼保障: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000(US$1,282)
醫療意外事故保障: $10,000(US$1,282)
意外身故賠償: $10,000(US$1,282)

計劃 6 / 15

安達自願醫保（靈活）計劃 - 半私家(港元)HKD + USD

Chubb VHIS - Flexi Plan - Semi-Private (HKD)

靈活Cat 1Ver. Apr 1, 2025保障評分 79/100

VHIS 認可編號: F00027-03-000-03F00027-07-000-03
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$800,000(US$102,564)
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $2,500(US$321)
(b) 雜項開支: $26,000(US$3,333)
(c) 主診醫生巡房費: $2,500(US$321)
(d) 專科醫生費: $12,000(US$1,538)
(e) 深切治療: $7,500(US$962)
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $8,000(US$1,026)
(f) 外科醫生費 — 中型: $20,000(US$2,564)
(f) 外科醫生費 — 大型: $40,000(US$5,128)
(f) 外科醫生費 — 複雜: $75,000(US$9,615)
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $45,000(US$5,769)
(j) 訂明非手術癌症治療: $110,000(US$14,103)
(k) 入院前或出院後／日間手術前後的門診護理: $1,200, (US$154,) per visit, $6,500 (US$833) 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) 精神科治療: $60,000(US$7,692)

額外保障 Extra

門診洗腎: $60,000(US$7,692)
意外急症門診治療費用賠償: $22,000(US$2,821)
善終服務: $50,000(US$6,410)
隔離病房費: $1,200(US$154)
家中看護: $1,200(US$154)
指定重建手術保障: —
醫療植入裝置: —
出院後 / 日間手術後的額外門診輔助治療: —
意外牙科治療: —
懷孕併發症: —
復康保障: —
器官移植的捐贈者保障: —
出院後精神科門診治療: —
住院陪床: $600(US$77)
身體檢查保障: $400(US$51)
指定家庭成員每日現金保障: —
保障項目(a) – (n)的自付費: —
主診醫生巡房費 (額外): —
深切治療 (額外): —
雜項開支 (額外): —
入院前後門診 (額外): —
病房及膳食 (額外): —
專科醫生費 (額外): —

現金保障 Cash

日間手術現金惠益: —
額外現金補貼保障: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000(US$1,282)
醫療意外事故保障: $30,000(US$3,846)
意外身故賠償: $10,000(US$1,282)

計劃 7 / 15

安達自願醫保（靈活）計劃 - 半私家及附加額外保障(港元)HKD + USD

Chubb VHIS - Flexi Plan - Semi-Private with Top-up benefit (HKD)

靈活Cat 1Ver. Apr 1, 2025保障評分 79/100

VHIS 認可編號: F00027-03-001-03F00027-07-001-03
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$800,000(US$102,564)
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $500,000 · 20% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $2,500(US$321)
(b) 雜項開支: $26,000(US$3,333)
(c) 主診醫生巡房費: $2,500(US$321)
(d) 專科醫生費: $12,000(US$1,538)
(e) 深切治療: $7,500(US$962)
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $8,000(US$1,026)
(f) 外科醫生費 — 中型: $20,000(US$2,564)
(f) 外科醫生費 — 大型: $40,000(US$5,128)
(f) 外科醫生費 — 複雜: $75,000(US$9,615)
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $45,000(US$5,769)
(j) 訂明非手術癌症治療: $110,000(US$14,103)
(k) 入院前或出院後／日間手術前後的門診護理: $1,200, (US$154,) per visit, $6,500 (US$833) 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) 精神科治療: $60,000(US$7,692)

額外保障 Extra

門診洗腎: $60,000(US$7,692)
意外急症門診治療費用賠償: $22,000(US$2,821)
善終服務: $50,000(US$6,410)
隔離病房費: $1,200(US$154)
家中看護: $1,200(US$154)
指定重建手術保障: —
醫療植入裝置: —
出院後 / 日間手術後的額外門診輔助治療: —
意外牙科治療: —
懷孕併發症: —
復康保障: —
器官移植的捐贈者保障: —
出院後精神科門診治療: —
住院陪床: $600(US$77)
身體檢查保障: $400(US$51)
指定家庭成員每日現金保障: —
保障項目(a) – (n)的自付費: —
主診醫生巡房費 (額外): $500,000(shared)
深切治療 (額外): $500,000(shared)
雜項開支 (額外): $500,000(shared)
入院前後門診 (額外): $500,000(shared)
病房及膳食 (額外): $500,000(shared)
專科醫生費 (額外): $500,000(shared)

現金保障 Cash

日間手術現金惠益: —
額外現金補貼保障: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000(US$1,282)
醫療意外事故保障: $30,000(US$3,846)
意外身故賠償: $10,000(US$1,282)

計劃 8 / 15

安達自願醫保（靈活）計劃 - 私家(港元)HKD + USD

Chubb VHIS - Flexi Plan - Private (HKD)

靈活Cat 1Ver. Apr 1, 2025保障評分 91/100

VHIS 認可編號: F00027-04-000-03F00027-08-000-03
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 私家病房 Private
每年賠償限額: HK$1,000,000(US$128,205)
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $4,000(US$513)
(b) 雜項開支: $35,000(US$4,487)
(c) 主診醫生巡房費: $4,000(US$513)
(d) 專科醫生費: $25,000(US$3,205)
(e) 深切治療: $10,000(US$1,282)
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $12,000(US$1,538)
(f) 外科醫生費 — 中型: $30,000(US$3,846)
(f) 外科醫生費 — 大型: $60,000(US$7,692)
(f) 外科醫生費 — 複雜: $100,000(US$12,821)
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $60,000(US$7,692)
(j) 訂明非手術癌症治療: $160,000(US$20,513)
(k) 入院前或出院後／日間手術前後的門診護理: $2,000, (US$256,) per visit, $10,000 (US$1,282) 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) 精神科治療: $90,000(US$11,538)

額外保障 Extra

門診洗腎: $100,000(US$12,821)
意外急症門診治療費用賠償: $30,000(US$3,846)
善終服務: $80,000(US$10,256)
隔離病房費: $2,000(US$256)
家中看護: $2,000(US$256)
指定重建手術保障: —
醫療植入裝置: —
出院後 / 日間手術後的額外門診輔助治療: —
意外牙科治療: —
懷孕併發症: —
復康保障: —
器官移植的捐贈者保障: —
出院後精神科門診治療: —
住院陪床: $1,000(US$128)
身體檢查保障: $750(US$96)
指定家庭成員每日現金保障: —
保障項目(a) – (n)的自付費: —
主診醫生巡房費 (額外): —
深切治療 (額外): —
雜項開支 (額外): —
入院前後門診 (額外): —
病房及膳食 (額外): —
專科醫生費 (額外): —

現金保障 Cash

日間手術現金惠益: —
額外現金補貼保障: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000(US$1,282)
醫療意外事故保障: $50,000(US$6,410)
意外身故賠償: $10,000(US$1,282)

計劃 9 / 15

安達自願醫保（靈活）計劃 - 私家及附加額外保障(港元)HKD + USD

Chubb VHIS - Flexi Plan - Private with Top-up benefit (HKD)

靈活Cat 1Ver. Apr 1, 2025保障評分 91/100

VHIS 認可編號: F00027-04-001-03F00027-08-001-03
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 私家病房 Private
每年賠償限額: HK$1,000,000(US$128,205)
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $500,000 · 20% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $4,000(US$513)
(b) 雜項開支: $35,000(US$4,487)
(c) 主診醫生巡房費: $4,000(US$513)
(d) 專科醫生費: $25,000(US$3,205)
(e) 深切治療: $10,000(US$1,282)
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $12,000(US$1,538)
(f) 外科醫生費 — 中型: $30,000(US$3,846)
(f) 外科醫生費 — 大型: $60,000(US$7,692)
(f) 外科醫生費 — 複雜: $100,000(US$12,821)
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $60,000(US$7,692)
(j) 訂明非手術癌症治療: $160,000(US$20,513)
(k) 入院前或出院後／日間手術前後的門診護理: $2,000, (US$256,) per visit, $10,000 (US$1,282) 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) 精神科治療: $90,000(US$11,538)

額外保障 Extra

門診洗腎: $100,000(US$12,821)
意外急症門診治療費用賠償: $30,000(US$3,846)
善終服務: $80,000(US$10,256)
隔離病房費: $2,000(US$256)
家中看護: $2,000(US$256)
指定重建手術保障: —
醫療植入裝置: —
出院後 / 日間手術後的額外門診輔助治療: —
意外牙科治療: —
懷孕併發症: —
復康保障: —
器官移植的捐贈者保障: —
出院後精神科門診治療: —
住院陪床: $1,000(US$128)
身體檢查保障: $750(US$96)
指定家庭成員每日現金保障: —
保障項目(a) – (n)的自付費: —
主診醫生巡房費 (額外): $500,000(shared)
深切治療 (額外): $500,000(shared)
雜項開支 (額外): $500,000(shared)
入院前後門診 (額外): $500,000(shared)
病房及膳食 (額外): $500,000(shared)
專科醫生費 (額外): $500,000(shared)

現金保障 Cash

日間手術現金惠益: —
額外現金補貼保障: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000(US$1,282)
醫療意外事故保障: $50,000(US$6,410)
意外身故賠償: $10,000(US$1,282)

計劃 10 / 15

自願醫保系列－靈活計劃（附加保障） - 靈活計劃(附加保障)

VHIS Series - Flexi Plan (SMM) - Flexi Plan SMM

靈活Cat 1Ver. Nov 1, 2022保障評分 65/100

VHIS 認可編號: F00055-01-000-02
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: HK$570,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: $150,000 · 10% co-insurance
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,200 per day, maximum 180 days per Policy Year
(b) 雜項開支: $14,000 per Policy Year
(c) 主診醫生巡房費: $1,200 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $3,500 per day, maximum 25 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $ 8,750
(f) 外科醫生費 — 中型: $17,500
(f) 外科醫生費 — 大型: $35,000
(f) 外科醫生費 — 複雜: $70,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $1,000, per visit, $15,000 per Policy Year • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

門診洗腎: $30,000 per Policy Year
意外急症門診治療費用賠償: —
善終服務: —
隔離病房費: —
家中看護: $700 per day, maximum 15 days per Policy Year
指定重建手術保障: —
醫療植入裝置: —
出院後 / 日間手術後的額外門診輔助治療: —
意外牙科治療: —
懷孕併發症: —
復康保障: —
器官移植的捐贈者保障: —
出院後精神科門診治療: —
住院陪床: —
身體檢查保障: —
指定家庭成員每日現金保障: —
保障項目(a) – (n)的自付費: —
主診醫生巡房費 (額外): —
深切治療 (額外): —
雜項開支 (額外): —
入院前後門診 (額外): —
病房及膳食 (額外): —
專科醫生費 (額外): —

現金保障 Cash

日間手術現金惠益: —
額外現金補貼保障: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: —
意外身故賠償: —

計劃 11 / 15

安達自願醫保（摯裕）計劃

Chubb VHIS - Superb Plan

靈活Cat 3Ver. Dec 16, 2025保障評分 71/100 (42–71)

VHIS 認可編號: F00082-01-000-01F00082-02-000-01F00082-03-000-01F00082-04-000-01
計劃類別: 靈活
保障地域範圍: 大中華 Greater China
病房級別: 普通病房 Ward
每年賠償限額: HK$6,000,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $25K / $50K / $100K

基本保障 Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses Pre-Confinement/Day Case Procedure: • All outpatient visits within 30 days before Confinement/Day Case Procedure, up to 1 per day • 1 outpatient visit more than 30 days before Confinement/Day Case Procedure Post-Confinement/Day Case Procedure: • Up to 12 outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, up to 1 per day
(l) 精神科治療: $40,000

額外保障 Extra

門診洗腎: Full reimbursement
意外急症門診治療費用賠償: Full reimbursement
善終服務: —
隔離病房費: —
家中看護: Full reimbursement
指定重建手術保障: $160,000
醫療植入裝置: Full reimbursement
出院後 / 日間手術後的額外門診輔助治療: $1,000
意外牙科治療: —
懷孕併發症: —
復康保障: —
器官移植的捐贈者保障: —
出院後精神科門診治療: —
住院陪床: Full reimbursement
身體檢查保障: —
指定家庭成員每日現金保障: —
保障項目(a) – (n)的自付費: —
主診醫生巡房費 (額外): —
深切治療 (額外): —
雜項開支 (額外): —
入院前後門診 (額外): —
病房及膳食 (額外): —
專科醫生費 (額外): —

現金保障 Cash

日間手術現金惠益: $1,200
額外現金補貼保障: $800
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: —
醫療意外事故保障: —
意外身故賠償: —

計劃 12 / 15

自願醫保系列－靈活計劃（優越） - 普通病房

VHIS Series - Flexi Plan (Superior) - Standard Ward

靈活Cat 3Ver. Nov 1, 2022保障評分 71/100 (49–71)

VHIS 認可編號: F00056-06-000-02F00056-07-000-02F00056-08-000-02
計劃類別: 靈活
保障地域範圍: 亞洲 Asia
病房級別: 普通病房 Ward
每年賠償限額: HK$5,000,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $15K / $25K

基本保障 Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: Full reimbursement
(f) 外科醫生費 — 中型: Full reimbursement
(f) 外科醫生費 — 大型: Full reimbursement
(f) 外科醫生費 — 複雜: Full reimbursement
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: No monetary cap • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure; • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure; • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: Full reimbursement

額外保障 Extra

門診洗腎: Full reimbursement
意外急症門診治療費用賠償: —
善終服務: —
隔離病房費: —
家中看護: $800
指定重建手術保障: —
醫療植入裝置: —
出院後 / 日間手術後的額外門診輔助治療: —
意外牙科治療: —
懷孕併發症: —
復康保障: —
器官移植的捐贈者保障: —
出院後精神科門診治療: —
住院陪床: —
身體檢查保障: —
指定家庭成員每日現金保障: —
保障項目(a) – (n)的自付費: $15,000 - $25,000
主診醫生巡房費 (額外): —
深切治療 (額外): —
雜項開支 (額外): —
入院前後門診 (額外): —
病房及膳食 (額外): —
專科醫生費 (額外): —

現金保障 Cash

日間手術現金惠益: —
額外現金補貼保障: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: —
意外身故賠償: —

計劃 13 / 15

自願醫保系列－靈活計劃（優越） - 半私家病房

VHIS Series - Flexi Plan (Superior) - Semi-Private Room

靈活Cat 3Ver. Nov 1, 2022保障評分 88/100 (17–88)

VHIS 認可編號: F00056-01-000-03F00056-02-000-03F00056-03-000-03F00056-04-000-03F00056-05-000-03
計劃類別: 靈活
保障地域範圍: 亞洲 Asia
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$30,000,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $15K / $25K / $50K / $75K

基本保障 Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: Full reimbursement
(f) 外科醫生費 — 中型: Full reimbursement
(f) 外科醫生費 — 大型: Full reimbursement
(f) 外科醫生費 — 複雜: Full reimbursement
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: No monetary cap • 1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure; • All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure; • All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: Full reimbursement

額外保障 Extra

門診洗腎: Full reimbursement
意外急症門診治療費用賠償: —
善終服務: —
隔離病房費: —
家中看護: $1,000
指定重建手術保障: —
醫療植入裝置: —
出院後 / 日間手術後的額外門診輔助治療: —
意外牙科治療: —
懷孕併發症: —
復康保障: —
器官移植的捐贈者保障: —
出院後精神科門診治療: —
住院陪床: —
身體檢查保障: —
指定家庭成員每日現金保障: —
保障項目(a) – (n)的自付費: $15,000 - $75,000
主診醫生巡房費 (額外): —
深切治療 (額外): —
雜項開支 (額外): —
入院前後門診 (額外): —
病房及膳食 (額外): —
專科醫生費 (額外): —

現金保障 Cash

日間手術現金惠益: —
額外現金補貼保障: —
次級病房級別現金惠益: —

事件保障 Event

恩恤身故賠償: $40,000
醫療意外事故保障: —
意外身故賠償: —

計劃 14 / 15

安達自願醫保（優裕）計劃 (亞洲)

Chubb VHIS - Prime Plan

靈活Cat 3Ver. Apr 16, 2024保障評分 88/100 (11–88)

VHIS 認可編號: F00075-01-000-01F00075-02-000-01F00075-03-000-01F00075-04-000-01F00075-05-000-01
計劃類別: 靈活
保障地域範圍: 亞洲 Asia
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$10,000,000
終身賠償限額: HK$40,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $25K / $50K / $100K / $150K

基本保障 Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses Pre-Confinement/Day Case Procedure: • All outpatient visits within 30 days before Confinement/Day Case Procedure, up to 1 per day • 1 outpatient visit more than 30 days before Confinement/Day Case Procedure Post-Confinement/Day Case Procedure: • Up to 12 outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, up to 1 per day
(l) 精神科治療: $50,000

額外保障 Extra

門診洗腎: Full reimbursement
意外急症門診治療費用賠償: Full reimbursement
善終服務: $80,000
隔離病房費: —
家中看護: Full reimbursement
指定重建手術保障: $160,000
醫療植入裝置: Full reimbursement
出院後 / 日間手術後的額外門診輔助治療: $800
意外牙科治療: Full reimbursement
懷孕併發症: Full reimbursement
復康保障: $30,000
器官移植的捐贈者保障: $500,000
出院後精神科門診治療: $800
住院陪床: Full reimbursement
身體檢查保障: —
指定家庭成員每日現金保障: $800
保障項目(a) – (n)的自付費: —
主診醫生巡房費 (額外): —
深切治療 (額外): —
雜項開支 (額外): —
入院前後門診 (額外): —
病房及膳食 (額外): —
專科醫生費 (額外): —

現金保障 Cash

日間手術現金惠益: $1,000
額外現金補貼保障: $600
次級病房級別現金惠益: $800

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: $10,000
意外身故賠償: $10,000

計劃 15 / 15

安達自願醫保（優裕）計劃 (全球不包括美國)

Chubb VHIS - Prime Plan

靈活Cat 3Ver. Apr 16, 2024保障評分 98/100 (5–98)

VHIS 認可編號: F00075-06-000-01F00075-07-000-01F00075-08-000-01F00075-09-000-01F00075-10-000-01
計劃類別: 靈活
保障地域範圍: 全球 (不含美國)
病房級別: 私家病房 Private
每年賠償限額: HK$15,000,000
終身賠償限額: HK$60,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $25K / $50K / $100K / $150K

基本保障 Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement
(l) 精神科治療: $50,000

額外保障 Extra

門診洗腎: Full reimbursement
意外急症門診治療費用賠償: Full reimbursement
善終服務: $100,000
隔離病房費: —
家中看護: Full reimbursement
指定重建手術保障: $180,000
醫療植入裝置: Full reimbursement
出院後 / 日間手術後的額外門診輔助治療: $1,000
意外牙科治療: Full reimbursement
懷孕併發症: Full reimbursement
復康保障: $50,000
器官移植的捐贈者保障: $500,000
出院後精神科門診治療: $1,000
住院陪床: Full reimbursement
身體檢查保障: —
指定家庭成員每日現金保障: $800
保障項目(a) – (n)的自付費: —
主診醫生巡房費 (額外): —
深切治療 (額外): —
雜項開支 (額外): —
入院前後門診 (額外): —
病房及膳食 (額外): —
專科醫生費 (額外): —

現金保障 Cash

日間手術現金惠益: $1,200
額外現金補貼保障: $800
次級病房級別現金惠益: $1,200

事件保障 Event

恩恤身故賠償: $10,000
醫療意外事故保障: $10,000
意外身故賠償: $10,000