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Chubb Life — same-insurer plan comparison
Chubb Life Insurance Hong Kong Limited · 15 plan series · 40 variants
Chubb Life Insurance Hong Kong Limited offers 40 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 39 Flexi), covering Worldwide, Asia, Asia incl. AU/NZ, Worldwide (excluding United States) and Greater China, across Ward, Semi-Private Room, Standard Private Room and N/A (capped) ward classes. Premiums, coverage items, deductible tiers and annual limits are compared side-by-side below.
Data version: Dec 16, 2025
Display options
項目
VHIS Series - Flexi Plan (SMM)
VHIS Series - Flexi Plan (Superior) - Standard Ward - HKD0 Deductible
VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD0 Deductible
Highlights
VHIS cert no.
S00044-01-000-03Benefits PDFPremiums PDF
F00027-01-000-03Benefits PDFPremiums PDF
F00027-05-000-03Benefits PDFPremiums PDF
F00027-01-001-03Benefits PDFPremiums PDF
F00027-05-001-03Benefits PDFPremiums PDF
F00027-02-000-03Benefits PDFPremiums PDF
F00027-06-000-03Benefits PDFPremiums PDF
F00027-02-001-03Benefits PDFPremiums PDF
F00027-06-001-03Benefits PDFPremiums PDF
F00027-03-000-03Benefits PDFPremiums PDF
F00027-07-000-03Benefits PDFPremiums PDF
F00027-03-001-03Benefits PDFPremiums PDF
F00027-07-001-03Benefits PDFPremiums PDF
F00027-04-000-03Benefits PDFPremiums PDF
F00027-08-000-03Benefits PDFPremiums PDF
F00027-04-001-03Benefits PDFPremiums PDF
F00027-08-001-03Benefits PDFPremiums PDF
F00055-01-000-02Benefits PDFPremiums PDF
F00082-01-000-01Benefits PDFPremiums PDF
F00082-02-000-01Benefits PDFPremiums PDF
F00082-03-000-01Benefits PDFPremiums PDF
F00082-04-000-01Benefits PDFPremiums PDF
F00056-06-000-02Benefits PDFPremiums PDF
F00056-07-000-02Benefits PDFPremiums PDF
F00056-08-000-02Benefits PDFPremiums PDF
F00056-01-000-03Benefits PDFPremiums PDF
F00056-02-000-03Benefits PDFPremiums PDF
F00056-03-000-03Benefits PDFPremiums PDF
F00056-04-000-03Benefits PDFPremiums PDF
F00056-05-000-03Benefits PDFPremiums PDF
F00075-01-000-01Benefits PDFPremiums PDF
F00075-02-000-01Benefits PDFPremiums PDF
F00075-03-000-01Benefits PDFPremiums PDF
F00075-04-000-01Benefits PDFPremiums PDF
F00075-05-000-01Benefits PDFPremiums PDF
F00075-06-000-01Benefits PDFPremiums PDF
F00075-07-000-01Benefits PDFPremiums PDF
F00075-08-000-01Benefits PDFPremiums PDF
F00075-09-000-01Benefits PDFPremiums PDF
F00075-10-000-01Benefits PDFPremiums PDF
Plan type
Standard
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Flexi
Coverage region
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Worldwide
Greater China
Asia
Asia
Asia incl. AU/NZ
Worldwide (excluding United States)
Ward
N/A (capped)
Ward
Ward
Ward
Ward
Semi-Private Room
Semi-Private Room
Standard Private Room
Standard Private Room
Ward
Ward
Ward
Semi-Private Room
Semi-Private Room（HK / Macau / Mainland）
Standard Private Room（Rest of Asia）
Standard Private Room（Outside Asia (emergency)）
Standard Private Room
Lifetime limit
—
—
—
—
—
—
—
—
—
—
—
—
—
Annual limit
Per illness
—
—
—
—
—
—
—
—
—
—
—
—
—
—
—
SMM top-up
—
—
—
—
—
—
—
—
—
—
No-Claim Bonus
—
—
—
—
—
—
—
—
—
—
—
—
—
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
5% × 3 yrs
10% × 4 yrs
15% × 5 yrs+
Deductible
—
—
—
—
—
—
—
—
—
—
Deductible reduction at specified ages
Not applicable
Not applicable
Not applicable
Not applicable
Not applicable
Not applicable
Not applicable
Not applicable
Not applicable
Not applicable
Zero deductible selected
Zero deductible selected
Zero deductible selected
Zero deductible selected
Zero deductible selected
Version
Apr 1, 2025
Apr 1, 2025
Apr 1, 2025
Apr 1, 2025
Apr 1, 2025
Apr 1, 2025
Apr 1, 2025
Apr 1, 2025
Apr 1, 2025
Nov 1, 2022
Dec 16, 2025
Nov 1, 2022
Nov 1, 2022
Apr 16, 2024
Apr 16, 2024
Basic Benefits Basic
(a) Room and board
HK$750 per day, maximum 180 days per Policy Year
HK$850 per day, maximum 180 days per Policy Year(US$109 per day, maximum 180 days per Policy Year)
HK$850 per day, maximum 180 days per Policy Year(US$109 per day, maximum 180 days per Policy Year)
HK$1,200 per day, maximum 180 days per Policy Year(US$154 per day, maximum 180 days per Policy Year)
HK$1,200 per day, maximum 180 days per Policy Year(US$154 per day, maximum 180 days per Policy Year)
HK$2,500 per day, maximum 180 days per Policy Year(US$321 per day, maximum 180 days per Policy Year)
HK$2,500 per day, maximum 180 days per Policy Year(US$321 per day, maximum 180 days per Policy Year)
HK$4,000 per day, maximum 180 days per Policy Year(US$513 per day, maximum 180 days per Policy Year)
HK$4,000 per day, maximum 180 days per Policy Year(US$513 per day, maximum 180 days per Policy Year)
HK$1,200 per day, maximum 180 days per Policy Year
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
(b) Miscellaneous charges
HK$14,000 per Policy Year
HK$14,000 per Policy Year(US$1,795 per Policy Year)
HK$14,000 per Policy Year(US$1,795 per Policy Year)
HK$18,000 per Policy Year(US$2,308 per Policy Year)
HK$18,000 per Policy Year(US$2,308 per Policy Year)
HK$26,000 per Policy Year(US$3,333 per Policy Year)
HK$26,000 per Policy Year(US$3,333 per Policy Year)
HK$35,000 per Policy Year(US$4,487 per Policy Year)
HK$35,000 per Policy Year(US$4,487 per Policy Year)
HK$14,000 per Policy Year
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
(c) Attending doctor's visit fee
HK$750 per day, maximum 180 days per Policy Year
HK$850 per day, maximum 180 days per Policy Year(US$109 per day, maximum 180 days per Policy Year)
HK$850 per day, maximum 180 days per Policy Year(US$109 per day, maximum 180 days per Policy Year)
HK$1,200 per day, maximum 180 days per Policy Year(US$154 per day, maximum 180 days per Policy Year)
HK$1,200 per day, maximum 180 days per Policy Year(US$154 per day, maximum 180 days per Policy Year)
HK$2,500 per day, maximum 180 days per Policy Year(US$321 per day, maximum 180 days per Policy Year)
HK$2,500 per day, maximum 180 days per Policy Year(US$321 per day, maximum 180 days per Policy Year)
HK$4,000 per day, maximum 180 days per Policy Year(US$513 per day, maximum 180 days per Policy Year)
HK$4,000 per day, maximum 180 days per Policy Year(US$513 per day, maximum 180 days per Policy Year)
HK$1,200 per day, maximum 180 days per Policy Year
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
(d) Specialist's fee
HK$4,300 per Policy Year
HK$4,300 per Policy Year(US$551 per Policy Year)
HK$4,300 per Policy Year(US$551 per Policy Year)
HK$5,500 per Policy Year(US$705 per Policy Year)
HK$5,500 per Policy Year(US$705 per Policy Year)
HK$12,000 per Policy Year(US$1,538 per Policy Year)
HK$12,000 per Policy Year(US$1,538 per Policy Year)
HK$25,000 per Policy Year(US$3,205 per Policy Year)
HK$25,000 per Policy Year(US$3,205 per Policy Year)
HK$4,300 per Policy Year
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
(e) Intensive care
HK$3,500 per day, maximum 25 days per Policy Year
HK$3,500 per day, maximum 90 days per Policy Year(US$449 per day, maximum 90 days per Policy Year)
HK$3,500 per day, maximum 90 days per Policy Year(US$449 per day, maximum 90 days per Policy Year)
HK$5,000 per day, maximum 90 days per Policy Year(US$641 per day, maximum 90 days per Policy Year)
HK$5,000 per day, maximum 90 days per Policy Year(US$641 per day, maximum 90 days per Policy Year)
HK$7,500 per day, maximum 90 days per Policy Year(US$962 per day, maximum 90 days per Policy Year)
HK$7,500 per day, maximum 90 days per Policy Year(US$962 per day, maximum 90 days per Policy Year)
HK$10,000 per day, maximum 90 days per Policy Year(US$1,282 per day, maximum 90 days per Policy Year)
HK$10,000 per day, maximum 90 days per Policy Year(US$1,282 per day, maximum 90 days per Policy Year)
HK$3,500 per day, maximum 25 days per Policy Year
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
(f) Surgeon's fee
—
—
—
—
—
—
—
—
—
—
Full reimbursementR&C
—
—
Full reimbursementR&C
Full reimbursementR&C
Surgeon's fee — Minor
HK$5,000
HK$5,000(US$ 641)
HK$5,000(US$641)
HK$6,000(US$769)
HK$6,000(US$769)
HK$8,000(US$1,026)
HK$8,000(US$1,026)
HK$12,000(US$1,538)
HK$12,000(US$1,538)
HK$ 8,750
—
Full reimbursementR&C
Full reimbursementR&C
—
—
Surgeon's fee — Intermediate
HK$12,500
HK$12,500(US$1,603)
HK$12,500(US$1,603)
HK$15,000(US$1,923)
HK$15,000(US$1,923)
HK$20,000(US$2,564)
HK$20,000(US$2,564)
HK$30,000(US$3,846)
HK$30,000(US$3,846)
HK$17,500
—
Full reimbursementR&C
Full reimbursementR&C
—
—
Surgeon's fee — Major
HK$25,000
HK$25,000(US$3,205)
HK$25,000(US$3,205)
HK$30,000(US$3,846)
HK$30,000(US$3,846)
HK$40,000(US$5,128)
HK$40,000(US$5,128)
HK$60,000(US$7,692)
HK$60,000(US$7,692)
HK$35,000
—
Full reimbursementR&C
Full reimbursementR&C
—
—
Surgeon's fee — Complex
HK$50,000
HK$50,000(US$6,410)
HK$50,000(US$6,410)
HK$60,000(US$7,692)
HK$60,000(US$7,692)
HK$75,000(US$9,615)
HK$75,000(US$9,615)
HK$100,000(US$12,821)
HK$100,000(US$12,821)
HK$70,000
—
Full reimbursementR&C
Full reimbursementR&C
—
—
(g) Anaesthetist's fee
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
(h) Operating theatre charges
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
35% of Surgeon's fee payable
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
(i) Prescribed Diagnostic Imaging Tests
HK$20,000 per Policy YearSubject to 30% Coinsurance.
HK$20,000 per Policy YearSubject to 30% Coinsurance.(US$2,564 per Policy YearSubject to 30% Coinsurance.)
HK$20,000 per Policy YearSubject to 30% Coinsurance.(US$2,564 per Policy YearSubject to 30% Coinsurance.)
HK$30,000 per Policy YearSubject to 20% Coinsurance.(US$3,846 per Policy YearSubject to 20% Coinsurance.)
HK$30,000 per Policy YearSubject to 20% Coinsurance.(US$3,846 per Policy YearSubject to 20% Coinsurance.)
HK$45,000 per Policy YearSubject to 20% Coinsurance.(US$5,769 per Policy YearSubject to 20% Coinsurance.)
HK$45,000 per Policy YearSubject to 20% Coinsurance.(US$5,769 per Policy YearSubject to 20% Coinsurance.)
HK$60,000 per Policy YearSubject to 20% Coinsurance.(US$7,692 per Policy YearSubject to 20% Coinsurance.)
HK$60,000 per Policy YearSubject to 20% Coinsurance.(US$7,692 per Policy YearSubject to 20% Coinsurance.)
HK$20,000 per Policy YearSubject to 30% Coinsurance.
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
(j) Prescribed Non-surgical Cancer Treatments
HK$80,000 per Policy Year
HK$80,000 per Policy Year(US$10,256 per Policy Year)
HK$80,000 per Policy Year(US$10,256 per Policy Year)
HK$80,000 per Policy Year(US$10,256 per Policy Year)
HK$80,000 per Policy Year(US$10,256 per Policy Year)
HK$110,000 per Policy Year(US$14,103 per Policy Year)
HK$110,000 per Policy Year(US$14,103 per Policy Year)
HK$160,000 per Policy Year(US$20,513 per Policy Year)
HK$160,000 per Policy Year(US$20,513 per Policy Year)
HK$80,000 per Policy Year
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
HK$580, per visit, HK$3,000 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
HK$700, per visit, HK$3,500 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$90, per visit, US$449 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)
HK$700, per visit, HK$3,500 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$90, per visit, US$449 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)
HK$900, per visit, HK$4,500 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$115, per visit, US$577 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)
HK$900, per visit, HK$4,500 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$115, per visit, US$577 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)
HK$1,200, per visit, HK$6,500 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$154, per visit, US$833 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)
HK$1,200, per visit, HK$6,500 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$154, per visit, US$833 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)
HK$2,000, per visit, HK$10,000 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$256, per visit, US$1,282 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)
HK$2,000, per visit, HK$10,000 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure(US$256, per visit, US$1,282 per Policy YearUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure)
HK$1,000, per visit, HK$15,000 per Policy YearUp to 10 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
Full reimbursementAll outpatient visits within 30 days before Confinement/Day Case Procedure, up to 1 per day1 outpatient visit more than 30 days before Confinement/Day Case ProcedureUp to 12 outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, up to 1 per dayR&C
Full reimbursement1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case ProcedureAll outpatient visits or Emergency consultations within 30 days before Confinement/Day Case ProcedureAll follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C
Full reimbursement1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case ProcedureAll outpatient visits or Emergency consultations within 30 days before Confinement/Day Case ProcedureAll follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C
Full reimbursementAll outpatient visits within 30 days before Confinement/Day Case Procedure, up to 1 per day1 outpatient visit more than 30 days before Confinement/Day Case ProcedureUp to 12 outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, up to 1 per dayR&C
Full reimbursementR&C
(l) Psychiatric treatments
HK$30,000 per Policy Year
HK$30,000 per Policy Year(US$3,846 per Policy Year)
HK$30,000 per Policy Year(US$3,846 per Policy Year)
HK$40,000 per Policy Year(US$5,128 per Policy Year)
HK$40,000 per Policy Year(US$5,128 per Policy Year)
HK$60,000 per Policy Year(US$7,692 per Policy Year)
HK$60,000 per Policy Year(US$7,692 per Policy Year)
HK$90,000 per Policy Year(US$11,538 per Policy Year)
HK$90,000 per Policy Year(US$11,538 per Policy Year)
HK$30,000 per Policy Year
HK$40,000 per Policy Year
Full reimbursementR&C
Full reimbursementR&C
HK$50,000 per Policy Year
HK$50,000 per Policy Year
Extra Benefits Extra
Accident-related
Emergency dental benefit (Accident only)
—
HK$5,000 per Policy Year, shared with emergency accident outpatient treatmentwithin 31 days of the AccidentShared cap: HK$5,000(US$641 per Policy Year, shared with emergency accident outpatient treatmentwithin 31 days of the AccidentShared cap: HK$5,032)
HK$5,000 per Policy Year, shared with emergency accident outpatient treatmentwithin 31 days of the AccidentShared cap: HK$5,000(US$641 per Policy Year, shared with emergency accident outpatient treatmentwithin 31 days of the AccidentShared cap: HK$5,032)
HK$15,000 per Policy Year, shared with emergency accident outpatient treatmentwithin 31 days of the AccidentShared cap: HK$15,000(US$1,923 per Policy Year, shared with emergency accident outpatient treatmentwithin 31 days of the AccidentShared cap: HK$15,096)
HK$15,000 per Policy Year, shared with emergency accident outpatient treatmentwithin 31 days of the AccidentShared cap: HK$15,000(US$1,923 per Policy Year, shared with emergency accident outpatient treatmentwithin 31 days of the AccidentShared cap: HK$15,096)
HK$22,000 per Policy Year, shared with emergency accident outpatient treatmentwithin 31 days of the AccidentShared cap: HK$22,000(US$2,821 per Policy Year, shared with emergency accident outpatient treatmentwithin 31 days of the AccidentShared cap: HK$22,145)
HK$22,000 per Policy Year, shared with emergency accident outpatient treatmentwithin 31 days of the AccidentShared cap: HK$22,000(US$2,821 per Policy Year, shared with emergency accident outpatient treatmentwithin 31 days of the AccidentShared cap: HK$22,145)
HK$30,000 per Policy Year, shared with emergency accident outpatient treatmentwithin 31 days of the AccidentShared cap: HK$30,000(US$3,846 per Policy Year, shared with emergency accident outpatient treatmentwithin 31 days of the AccidentShared cap: HK$30,191)
HK$30,000 per Policy Year, shared with emergency accident outpatient treatmentwithin 31 days of the AccidentShared cap: HK$30,000(US$3,846 per Policy Year, shared with emergency accident outpatient treatmentwithin 31 days of the AccidentShared cap: HK$30,191)
—
—
—
—
Emergency outpatient treatment for Accident
—
HK$5,000 per Policy Year within 24 hours of the AccidentShared cap: HK$5,000(US$641 per Policy Year within 24 hours of the AccidentShared cap: HK$5,032)
HK$5,000 per Policy Year within 24 hours of the AccidentShared cap: HK$5,000(US$641 per Policy Year within 24 hours of the AccidentShared cap: HK$5,032)
HK$15,000 per Policy Year within 24 hours of the AccidentShared cap: HK$15,000(US$1,923 per Policy Year within 24 hours of the AccidentShared cap: HK$15,096)
HK$15,000 per Policy Year within 24 hours of the AccidentShared cap: HK$15,000(US$1,923 per Policy Year within 24 hours of the AccidentShared cap: HK$15,096)
HK$22,000 per Policy Year within 24 hours of the AccidentShared cap: HK$22,000(US$2,821 per Policy Year within 24 hours of the AccidentShared cap: HK$22,145)
HK$22,000 per Policy Year within 24 hours of the AccidentShared cap: HK$22,000(US$2,821 per Policy Year within 24 hours of the AccidentShared cap: HK$22,145)
HK$30,000 per Policy Year within 24 hours of the AccidentShared cap: HK$30,000(US$3,846 per Policy Year within 24 hours of the AccidentShared cap: HK$30,191)
HK$30,000 per Policy Year within 24 hours of the AccidentShared cap: HK$30,000(US$3,846 per Policy Year within 24 hours of the AccidentShared cap: HK$30,191)
—
—
—
Inpatient-related
Medical implants / prosthetic devices
—
—
—
—
—
—
—
—
—
—
—
—
Organ transplant donor benefit
—
—
—
—
—
—
—
—
—
—
—
—
—
HK$500,000 per major organ transplant (heart, kidney, liver, lung or bone marrow transplant)
HK$500,000 per major organ transplant (heart, kidney, liver, lung or bone marrow transplant)
Complications of pregnancy
—
—
—
—
—
—
—
—
—
—
—
—
—
Full reimbursementR&C
Full reimbursementR&C
Hospital companion bed fee reimbursement
—
HK$400 per day, maximum 180 days per Policy Year(US$51 per day, maximum 180 days per Policy Year)
HK$400 per day, maximum 180 days per Policy YearHK$400 per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement(US$51 per day, maximum 180 days per Policy YearUS$51 per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement)
HK$400 per day, maximum 180 days per Policy Year(US$51 per day, maximum 180 days per Policy Year)
HK$400 per day, maximum 180 days per Policy YearHK$400 per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement(US$51 per day, maximum 180 days per Policy YearUS$51 per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement)
HK$600 per day, maximum 180 days per Policy Year(US$77 per day, maximum 180 days per Policy Year)
HK$600 per day, maximum 180 days per Policy YearHK$600 per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement(US$77 per day, maximum 180 days per Policy YearUS$77 per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement)
HK$1,000 per day, maximum 180 days per Policy Year(US$128 per day, maximum 180 days per Policy Year)
HK$1,000 per day, maximum 180 days per Policy YearHK$1,000 per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement(US$128 per day, maximum 180 days per Policy YearUS$128 per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement)
—
Full reimbursementR&C
—
—
Full reimbursementR&C
Full reimbursementR&C
Private nursing fee (during Confinement)
—
—
—
—
—
—
—
—
—
—
—
—
—
Full reimbursementof Eligible Expenses (maximum 30 days per Policy Year, limited to services provided by up to 1 registered nurse(s) per day)R&C
Full reimbursementof Eligible Expenses (maximum 30 days per Policy Year, limited to services provided by up to 1 registered nurse per day)R&C
Isolation ward charges benefit
—
HK$450 per day, maximum 180 days per Policy Year (ward class: Basic/General Ward)(US$58 per day, maximum 180 days per Policy Year (ward class: Basic/General Ward))
HK$450 per day, maximum 180 days per Policy Year (ward class: Basic/General Ward)HK$450 per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement(US$58 per day, maximum 180 days per Policy Year (ward class: Basic/General Ward)US$58 per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement)
HK$600 per day, maximum 180 days per Policy Year (ward class: Basic/General Ward)(US$77 per day, maximum 180 days per Policy Year (ward class: Basic/General Ward))
HK$600 per day, maximum 180 days per Policy Year (ward class: Basic/General Ward)HK$600 per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement(US$77 per day, maximum 180 days per Policy Year (ward class: Basic/General Ward)US$77 per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement)
HK$1,200 per day, maximum 180 days per Policy Year (ward class: Semi-Private Room)(US$154 per day, maximum 180 days per Policy Year (ward class: Semi-Private Room))
HK$1,200 per day, maximum 180 days per Policy Year (ward class: Semi-Private Room)HK$1,200 per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement(US$154 per day, maximum 180 days per Policy Year (ward class: Semi-Private Room)US$154 per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement)
HK$2,000 per day, maximum 180 days per Policy Year (ward class: Standard Private Room)(US$256 per day, maximum 180 days per Policy Year (ward class: Standard Private Room))
HK$2,000 per day, maximum 180 days per Policy Year (ward class: Standard Private Room)HK$2,000 per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement(US$256 per day, maximum 180 days per Policy Year (ward class: Standard Private Room)US$256 per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement)
—
—
—
—
—
—
Outpatient-related
Post-stroke rehabilitation visits
—
—
—
—
—
—
—
—
—
—
—
—
—
HK$800 per visit (within 90 days post-dischargemax 30 visits per Policy Year
HK$1,000 per visit (within 90 days post-dischargemax 30 visits per Policy Year
Post-stroke home equipment upgrade
—
—
—
—
—
—
—
—
—
—
—
—
—
HK$30,000 per Accident
HK$50,000 per Accident
Outpatient kidney dialysis
—
HK$10,000 per Policy Year(US$1,282 per Policy Year)
HK$10,000 per Policy Year(US$1,282 per Policy Year)
HK$30,000 per Policy Year(US$3,846 per Policy Year)
HK$30,000 per Policy Year(US$3,846 per Policy Year)
HK$60,000 per Policy Year(US$7,692 per Policy Year)
HK$60,000 per Policy Year(US$7,692 per Policy Year)
HK$100,000 per Policy Year(US$12,821 per Policy Year)
HK$100,000 per Policy Year(US$12,821 per Policy Year)
HK$30,000 per Policy Year
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
Full reimbursementR&C
Health check-up benefit
—
HK$250 per Policy Year(US$32 per Policy Year)
HK$250 per Policy Year(US$32 per Policy Year)
HK$250 per Policy Year(US$32 per Policy Year)
HK$250 per Policy Year(US$32 per Policy Year)
HK$400 per Policy Year(US$51 per Policy Year)
HK$400 per Policy Year(US$51 per Policy Year)
HK$750 per Policy Year(US$96 per Policy Year)
HK$750 per Policy Year(US$96 per Policy Year)
—
—
—
—
—
—
Post-discharge outpatient psychiatric treatment
—
—
—
—
—
—
—
—
—
—
—
—
—
HK$800 per visit (within the post-discharge windowmaximum 10 visits per Policy Year
HK$1,000 per visit (within the post-discharge windowmaximum 10 visits per Policy Year
Hospice and palliative care benefit
—
HK$15,000 per Policy Year(US$1,923 per Policy Year)
HK$15,000 per Policy Year(US$1,923 per Policy Year)
HK$30,000 per Policy Year(US$3,846 per Policy Year)
HK$30,000 per Policy Year(US$3,846 per Policy Year)
HK$50,000 per Policy Year(US$6,410 per Policy Year)
HK$50,000 per Policy Year(US$6,410 per Policy Year)
HK$80,000 per Policy Year(US$10,256 per Policy Year)
HK$80,000 per Policy Year(US$10,256 per Policy Year)
—
—
—
—
HK$80,000 per Policy Year
HK$100,000 per Policy Year
Home nursing
—
HK$500 per visit1 visit per day, within 90 days after discharge from Hospital(US$64 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy Year)
HK$500 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy YearStarting from the 31th visit within 90 days after discharge from Hospital, 80% of Eligible Expenses in excess of the benefit limit under benefit item 2 (f), up to HK$500 per visit and maximum 15 visits per Policy Year(US$64 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy YearStarting from the 31th visit within 90 days after discharge from Hospital, 80% of Eligible Expenses in excess of the benefit limit under benefit item 2 (f), up to US$64 per visit and maximum 15 visits per Policy Year)
HK$800 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy Year(US$103 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy Year)
HK$800 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy YearStarting from the 31th visit within 90 days after discharge from Hospital, 80% of Eligible Expenses in excess of the benefit limit under benefit item 2 (f), up to HK$800 per visit and maximum 15 visits per Policy Year(US$103 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy YearStarting from the 31th visit within 90 days after discharge from Hospital, 80% of Eligible Expenses in excess of the benefit limit under benefit item 2 (f), up to US$103 per visit and maximum 15 visits per Policy Year)
HK$1,200 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy Year(US$154 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy Year)
HK$1,200 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy YearStarting from the 31th visit within 90 days after discharge from Hospital, 80% of Eligible Expenses in excess of the benefit limit under benefit item 2 (f), up to HK$1,200 per visit and maximum 15 visits per Policy Year(US$154 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy YearStarting from the 31th visit within 90 days after discharge from Hospital, 80% of Eligible Expenses in excess of the benefit limit under benefit item 2 (f), up to US$154 per visit and maximum 15 visits per Policy Year)
HK$2,000 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy Year(US$256 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy Year)
HK$2,000 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy YearStarting from the 31th visit within 90 days after discharge from Hospital, 80% of Eligible Expenses in excess of the benefit limit under benefit item 2 (f), up to HK$2,000 per visit and maximum 15 visits per Policy Year(US$256 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy YearStarting from the 31th visit within 90 days after discharge from Hospital, 80% of Eligible Expenses in excess of the benefit limit under benefit item 2 (f), up to US$256 per visit and maximum 15 visits per Policy Year)
HK$700 per day, maximum 15 days per Policy Year
Full reimbursementof Eligible Expenses, maximum 60 days per Policy Year (within the post-discharge window after surgery or Intensive Care Unit stay, limited to up to 1 registered nurse per day)R&C
HK$800 per day, maximum 90 days per Policy Year
HK$1,000 per day, maximum 90 days per Policy Year
Full reimbursementof Eligible Expenses (within 90 days after discharge from Hospital following surgery or Intensive Care Unit staylimited to home nursing services provided by up to 1 registered nurse(s) per day, maximum 60 days per Policy Year)R&C
Full reimbursementlimited to home nursing services provided by up to 1 registered nurse per day, maximum 60 days per Policy Year)R&C
Post-Confinement / Day Case Procedure auxiliary therapy
—
—
—
—
—
—
—
—
—
—
HK$1,000 per visit, maximum 30 visits per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure, up to 1 per day)
—
—
HK$800 per visit (within the post-discharge windowmaximum 30 visits per Policy Year
HK$1,000 per visit (within the post-discharge windowmaximum 30 visits per Policy Year
Cancer-related
Reconstructive surgery for specified conditions
—
—
—
—
—
—
—
—
—
—
HK$160,000 per Accident / per mastectomy
—
—
HK$160,000 per Accident / per mastectomy
HK$180,000 per Accident / per mastectomy
Aggregate Limits
Deductible scope
—
—
—
—
—
—
—
—
—
—
Cash Benefits Cash
Day surgery cash benefit
—
—
—
—
—
—
—
—
—
—
HK$1,200 per Day Case Procedure, maximum 10 Day Case Procedures per Policy Year, up to 1 per day
—
—
HK$1,000 per Day Case Procedure, maximum 10 Day Case Procedures per Policy Year, up to 1 per day
HK$1,200 per Day Case Procedure, maximum 10 Day Case Procedures per Policy Year, up to 1 per day
Second-claim cash allowance
—
—
—
—
—
—
—
—
—
—
HK$800 per day during Confinement, maximum 90 days per Policy Year
—
—
HK$600 per day during Confinement, maximum 90 days per Policy Year
HK$800 per day during Confinement, maximum 90 days per Policy Year
Lower ward class cash benefit
—
—
—
—
—
—
—
—
—
—
—
—
—
HK$800 per day during Confinement, maximum 30 days per Policy Year
HK$1,200 per day during Confinement, maximum 30 days per Policy Year
Event Benefits Event
Stroke disability allowance benefit
—
—
—
—
—
—
—
—
—
—
—
—
—
HK$3,000 per month, max 24 months per Accident
HK$5,000 per month, max 24 months per Accident
Medical accident and incident extension benefit
—
HK$10,000(US$1,282)
HK$10,000(US$1,282)
HK$10,000(US$1,282)
HK$10,000(US$1,282)
HK$30,000(US$3,846)
HK$30,000(US$3,846)
HK$50,000(US$6,410)
HK$50,000(US$6,410)
—
HK$10,000
—
—
HK$10,000
HK$10,000
Accidental Death benefit
—
HK$10,000(US$1,282)
HK$10,000(US$1,282)
HK$10,000(US$1,282)
HK$10,000(US$1,282)
HK$10,000(US$1,282)
HK$10,000(US$1,282)
HK$10,000(US$1,282)
HK$10,000(US$1,282)
—
HK$10,000
—
—
HK$10,000
HK$10,000
Compassionate death benefit
—
HK$10,000(US$1,282)
HK$10,000(US$1,282)
HK$10,000(US$1,282)
HK$10,000(US$1,282)
HK$10,000(US$1,282)
HK$10,000(US$1,282)
HK$10,000(US$1,282)
HK$10,000(US$1,282)
HK$10,000
HK$10,000
HK$10,000
HK$40,000
HK$10,000
HK$10,000
Designated family member daily cash benefit
—
—
—
—
—
—
—
—
—
—
—
—
—
HK$800 per day, maximum 30 days per Policy Year (if the Insured Person is continuously Confined for 3 days or more and the designated family member is also an Insured Person under another "Chubb Voluntary Health Insurance (Privileged) Plan" policy)
HK$800 per day, maximum 30 days per Policy Year (if the Insured Person is continuously Confined for 3 days or more and the designated family member is also an Insured Person under another "Chubb Voluntary Health Insurance (Privileged) Plan" policy)
VHIS cert no.
S00044-01-000-03Benefits PDFPremiums PDF
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
—
No-Claim Bonus
—
Deductible Options
—
Deductible reduction at specified ages
Not applicable
Basic Benefits Basic
(a) Room and board
HK$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
HK$14,000 per Policy Year
(c) Attending doctor's visit fee
HK$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
HK$4,300 per Policy Year
(e) Intensive care
HK$3,500 per day, maximum 25 days per Policy Year
(f) Surgeon's fee
—
Surgeon's fee — Minor
HK$5,000
Surgeon's fee — Intermediate
HK$12,500
Surgeon's fee — Major
HK$25,000
Surgeon's fee — Complex
HK$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
HK$20,000 per Policy YearSubject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
HK$80,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
HK$580, per visit, HK$3,000 per Policy YearUp 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
HK$30,000 per Policy Year
Extra Benefits Extra
Accident-related
Emergency dental benefit (Accident only)
—
Emergency outpatient treatment for Accident
—
Inpatient-related
Medical implants / prosthetic devices
—
Organ transplant donor benefit
—
Complications of pregnancy
—
Hospital companion bed fee reimbursement
—
Private nursing fee (during Confinement)
—
Isolation ward charges benefit
—
Outpatient-related
Post-stroke rehabilitation visits
—
Post-stroke home equipment upgrade
—
Outpatient kidney dialysis
—
Health check-up benefit
—
Post-discharge outpatient psychiatric treatment
—
Hospice and palliative care benefit
—
Home nursing
—
Post-Confinement / Day Case Procedure auxiliary therapy
—
Cancer-related
Reconstructive surgery for specified conditions
—
Aggregate Limits
Deductible scope
—
Cash Benefits Cash
Day surgery cash benefit
—
Second-claim cash allowanceAfter other pays
—
Lower ward class cash benefit
—
Event Benefits Event
Stroke disability allowance benefit
—
Medical accident and incident extension benefit
—
Accidental Death benefit
—
Compassionate death benefit
—
Designated family member daily cash benefit
—
Plan 1 / 15
安達自願醫保（標準）計劃
Chubb VHIS - Standard Plan
Standard PlanVer. Apr 1, 2025
- VHIS cert no.
- S00044-01-000-03
- Plan Type
- Standard
- Coverage region
- Worldwide
- Ward class
- N/A (capped)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- HK$750 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$14,000 per Policy Year
- (c) 主診醫生巡房費
- HK$750 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$4,300 per Policy Year
- (e) 深切治療
- HK$3,500 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HK$5,000
- 外科醫生費 — 中型
- HK$12,500
- 外科醫生費 — 大型
- HK$25,000
- 外科醫生費 — 複雜
- HK$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
- HK$20,000 per Policy YearSubject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- HK$80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$580, per visit, HK$3,000 per Policy Year 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
- HK$30,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 門診洗腎
- —
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 身體檢查保障
- —
- 出院後精神科門診治療
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- —
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 隔離病房費
- —
- 自付費適用範圍
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
Cash Benefits Cash
- 日間手術現金惠益
- —
- 第二索償現金津貼
- —
- 較低級別病房現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 醫療意外事故保障
- —
- 意外身故賠償
- —
- 恩恤身故賠償
- —
- 指定家庭成員每日現金保障
- —
Plan 2 / 15
安達自願醫保（靈活）計劃 - 基本(港元)HKD + USD
Chubb VHIS - Flexi Plan - Classic (HKD)
Itemised LimitsVer. Apr 1, 2025
- VHIS cert no.
- F00027-01-000-03F00027-05-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$500,000(US$64,103)
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- HK$850 per day, maximum 180 days per Policy Year(US$109)
- (b) 雜項開支
- $14,000(US$1,795)
- (c) 主診醫生巡房費
- HK$850 per day, maximum 180 days per Policy Year(US$109)
- (d) 專科醫生費
- $4,300(US$551)
- (e) 深切治療
- HK$3,500 per day, maximum 90 days per Policy Year(US$449)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $5,000(US$641)
- 外科醫生費 — 中型
- $12,500(US$1,603)
- 外科醫生費 — 大型
- $25,000(US$3,205)
- 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
- HK$20,000 per Policy YearSubject to 30% Coinsurance.(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
- HK$700, (US$90,) per visit, HK$3,500 (US$449) per Policy Year 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)
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 門診洗腎
- $10,000(US$1,282)
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 身體檢查保障
- $250(US$32)
- 出院後精神科門診治療
- —
- 住院陪床
- HK$400 per day, maximum 180 days per Policy Year(US$51)
- 私家看護費 (住院期間)
- —
- 善終服務
- $15,000(US$1,923)
- 家中看護
- HKD$500USDUS$64
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 隔離病房費
- HK$450 per day, maximum 180 days per Policy Year (ward class: Basic/General Ward)(US$58)
- 自付費適用範圍
- —
- 意外牙科治療
- $5,000(shared)
- 意外急症門診治療費用賠償
- $5,000(shared)
Cash Benefits Cash
- 日間手術現金惠益
- —
- 第二索償現金津貼
- —
- 較低級別病房現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 醫療意外事故保障
- $10,000(US$1,282)
- 意外身故賠償
- $10,000(US$1,282)
- 恩恤身故賠償
- $10,000(US$1,282)
- 指定家庭成員每日現金保障
- —
Plan 3 / 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)
Itemised LimitsVer. Apr 1, 2025
- VHIS cert no.
- F00027-01-001-03F00027-05-001-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$500,000(US$64,103)
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$100,000／per policy year, 30% coinsuranceUS$12,821／per policy year, 30% coinsurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- HK$850 per day, maximum 180 days per Policy Year(US$109)
- (b) 雜項開支
- $14,000(US$1,795)
- (c) 主診醫生巡房費
- HK$850 per day, maximum 180 days per Policy Year(US$109)
- (d) 專科醫生費
- $4,300(US$551)
- (e) 深切治療
- HK$3,500 per day, maximum 90 days per Policy Year(US$449)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $5,000(US$641)
- 外科醫生費 — 中型
- $12,500(US$1,603)
- 外科醫生費 — 大型
- $25,000(US$3,205)
- 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
- HK$20,000 per Policy YearSubject to 30% Coinsurance.(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
- HK$700, (US$90,) per visit, HK$3,500 (US$449) per Policy Year 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)
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 門診洗腎
- $10,000(US$1,282)
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 身體檢查保障
- $250(US$32)
- 出院後精神科門診治療
- —
- 住院陪床
- HK$400 (US$51) per day, maximum 180 days per Policy YearHK$400 (US$51) per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement
- 私家看護費 (住院期間)
- —
- 善終服務
- $15,000(US$1,923)
- 家中看護
- HK$500 (US$64) per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy YearStarting from the 31th visit within 90 days after discharge from Hospital, 80% of Eligible Expenses in excess of the benefit limit under benefit item 2 (f), up to HK$500 (US$64) per visit and maximum 15 visits per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 隔離病房費
- HK$450 (US$58) per day, maximum 180 days per Policy Year (ward class: Basic/General Ward)HK$450 (US$58) per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement
- 自付費適用範圍
- —
- 意外牙科治療
- $5,000(shared)
- 意外急症門診治療費用賠償
- $5,000(shared)
Cash Benefits Cash
- 日間手術現金惠益
- —
- 第二索償現金津貼
- —
- 較低級別病房現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 醫療意外事故保障
- $10,000(US$1,282)
- 意外身故賠償
- $10,000(US$1,282)
- 恩恤身故賠償
- $10,000(US$1,282)
- 指定家庭成員每日現金保障
- —
Plan 4 / 15
安達自願醫保（靈活）計劃 - 普通(港元)HKD + USD
Chubb VHIS - Flexi Plan - Ward (HKD)
Itemised LimitsVer. Apr 1, 2025
- VHIS cert no.
- F00027-02-000-03F00027-06-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$600,000(US$76,923)
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- HK$1,200 per day, maximum 180 days per Policy Year(US$154)
- (b) 雜項開支
- $18,000(US$2,308)
- (c) 主診醫生巡房費
- HK$1,200 per day, maximum 180 days per Policy Year(US$154)
- (d) 專科醫生費
- $5,500(US$705)
- (e) 深切治療
- HK$5,000 per day, maximum 90 days per Policy Year(US$641)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $6,000(US$769)
- 外科醫生費 — 中型
- $15,000(US$1,923)
- 外科醫生費 — 大型
- $30,000(US$3,846)
- 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
- HK$30,000 per Policy YearSubject to 20% Coinsurance.(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
- HK$900, (US$115,) per visit, HK$4,500 (US$577) per Policy Year 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)
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 門診洗腎
- $30,000(US$3,846)
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 身體檢查保障
- $250(US$32)
- 出院後精神科門診治療
- —
- 住院陪床
- HK$400 per day, maximum 180 days per Policy Year(US$51)
- 私家看護費 (住院期間)
- —
- 善終服務
- $30,000(US$3,846)
- 家中看護
- HK$800 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy Year(US$103)
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 隔離病房費
- HK$600 per day, maximum 180 days per Policy Year (ward class: Basic/General Ward)(US$77)
- 自付費適用範圍
- —
- 意外牙科治療
- $15,000(shared)
- 意外急症門診治療費用賠償
- $15,000(shared)
Cash Benefits Cash
- 日間手術現金惠益
- —
- 第二索償現金津貼
- —
- 較低級別病房現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 醫療意外事故保障
- $10,000(US$1,282)
- 意外身故賠償
- $10,000(US$1,282)
- 恩恤身故賠償
- $10,000(US$1,282)
- 指定家庭成員每日現金保障
- —
Plan 5 / 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)
Itemised LimitsVer. Apr 1, 2025
- VHIS cert no.
- F00027-02-001-03F00027-06-001-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$600,000(US$76,923)
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$180,000／per policy year, 20% coinsuranceUS$23,077／per policy year, 20% coinsurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- HK$1,200 per day, maximum 180 days per Policy Year(US$154)
- (b) 雜項開支
- $18,000(US$2,308)
- (c) 主診醫生巡房費
- HK$1,200 per day, maximum 180 days per Policy Year(US$154)
- (d) 專科醫生費
- $5,500(US$705)
- (e) 深切治療
- HK$5,000 per day, maximum 90 days per Policy Year(US$641)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $6,000(US$769)
- 外科醫生費 — 中型
- $15,000(US$1,923)
- 外科醫生費 — 大型
- $30,000(US$3,846)
- 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
- HK$30,000 per Policy YearSubject to 20% Coinsurance.(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
- HK$900, (US$115,) per visit, HK$4,500 (US$577) per Policy Year 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)
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 門診洗腎
- $30,000(US$3,846)
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 身體檢查保障
- $250(US$32)
- 出院後精神科門診治療
- —
- 住院陪床
- HK$400 (US$51) per day, maximum 180 days per Policy YearHK$400 (US$51) per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement
- 私家看護費 (住院期間)
- —
- 善終服務
- $30,000(US$3,846)
- 家中看護
- HK$800 (US$103) per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy YearStarting from the 31th visit within 90 days after discharge from Hospital, 80% of Eligible Expenses in excess of the benefit limit under benefit item 2 (f), up to HK$800 (US$103) per visit and maximum 15 visits per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 隔離病房費
- HK$600 (US$77) per day, maximum 180 days per Policy Year (ward class: Basic/General Ward)HK$600 (US$77) per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement
- 自付費適用範圍
- —
- 意外牙科治療
- $15,000(shared)
- 意外急症門診治療費用賠償
- $15,000(shared)
Cash Benefits Cash
- 日間手術現金惠益
- —
- 第二索償現金津貼
- —
- 較低級別病房現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 醫療意外事故保障
- $10,000(US$1,282)
- 意外身故賠償
- $10,000(US$1,282)
- 恩恤身故賠償
- $10,000(US$1,282)
- 指定家庭成員每日現金保障
- —
Plan 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)
Itemised LimitsVer. Apr 1, 2025
- VHIS cert no.
- F00027-03-000-03F00027-07-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$800,000(US$102,564)
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- HK$2,500 per day, maximum 180 days per Policy Year(US$321)
- (b) 雜項開支
- $26,000(US$3,333)
- (c) 主診醫生巡房費
- HK$2,500 per day, maximum 180 days per Policy Year(US$321)
- (d) 專科醫生費
- $12,000(US$1,538)
- (e) 深切治療
- HK$7,500 per day, maximum 90 days per Policy Year(US$962)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $8,000(US$1,026)
- 外科醫生費 — 中型
- $20,000(US$2,564)
- 外科醫生費 — 大型
- $40,000(US$5,128)
- 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
- HK$45,000 per Policy YearSubject to 20% Coinsurance.(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
- HK$1,200, (US$154,) per visit, HK$6,500 (US$833) per Policy Year 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)
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 門診洗腎
- $60,000(US$7,692)
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 身體檢查保障
- $400(US$51)
- 出院後精神科門診治療
- —
- 住院陪床
- HK$600 per day, maximum 180 days per Policy Year(US$77)
- 私家看護費 (住院期間)
- —
- 善終服務
- $50,000(US$6,410)
- 家中看護
- HK$1,200 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy Year(US$154)
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 隔離病房費
- HK$1,200 per day, maximum 180 days per Policy Year (ward class: Semi-Private Room)(US$154)
- 自付費適用範圍
- —
- 意外牙科治療
- $22,000(shared)
- 意外急症門診治療費用賠償
- $22,000(shared)
Cash Benefits Cash
- 日間手術現金惠益
- —
- 第二索償現金津貼
- —
- 較低級別病房現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 醫療意外事故保障
- $30,000(US$3,846)
- 意外身故賠償
- $10,000(US$1,282)
- 恩恤身故賠償
- $10,000(US$1,282)
- 指定家庭成員每日現金保障
- —
Plan 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)
Itemised LimitsVer. Apr 1, 2025
- VHIS cert no.
- F00027-03-001-03F00027-07-001-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$800,000(US$102,564)
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$250,000／per policy year, 20% coinsuranceUS$32,051／per policy year, 20% coinsurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- HK$2,500 per day, maximum 180 days per Policy Year(US$321)
- (b) 雜項開支
- $26,000(US$3,333)
- (c) 主診醫生巡房費
- HK$2,500 per day, maximum 180 days per Policy Year(US$321)
- (d) 專科醫生費
- $12,000(US$1,538)
- (e) 深切治療
- HK$7,500 per day, maximum 90 days per Policy Year(US$962)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $8,000(US$1,026)
- 外科醫生費 — 中型
- $20,000(US$2,564)
- 外科醫生費 — 大型
- $40,000(US$5,128)
- 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
- HK$45,000 per Policy YearSubject to 20% Coinsurance.(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
- HK$1,200, (US$154,) per visit, HK$6,500 (US$833) per Policy Year 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)
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 門診洗腎
- $60,000(US$7,692)
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 身體檢查保障
- $400(US$51)
- 出院後精神科門診治療
- —
- 住院陪床
- HK$600 (US$77) per day, maximum 180 days per Policy YearHK$600 (US$77) per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement
- 私家看護費 (住院期間)
- —
- 善終服務
- $50,000(US$6,410)
- 家中看護
- HK$1,200 (US$154) per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy YearStarting from the 31th visit within 90 days after discharge from Hospital, 80% of Eligible Expenses in excess of the benefit limit under benefit item 2 (f), up to HK$1,200 (US$154) per visit and maximum 15 visits per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 隔離病房費
- HK$1,200 (US$154) per day, maximum 180 days per Policy Year (ward class: Semi-Private Room)HK$1,200 (US$154) per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement
- 自付費適用範圍
- —
- 意外牙科治療
- $22,000(shared)
- 意外急症門診治療費用賠償
- $22,000(shared)
Cash Benefits Cash
- 日間手術現金惠益
- —
- 第二索償現金津貼
- —
- 較低級別病房現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 醫療意外事故保障
- $30,000(US$3,846)
- 意外身故賠償
- $10,000(US$1,282)
- 恩恤身故賠償
- $10,000(US$1,282)
- 指定家庭成員每日現金保障
- —
Plan 8 / 15
安達自願醫保（靈活）計劃 - 私家(港元)HKD + USD
Chubb VHIS - Flexi Plan - Private (HKD)
Itemised LimitsVer. Apr 1, 2025
- VHIS cert no.
- F00027-04-000-03F00027-08-000-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$1,000,000(US$128,205)
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- HK$4,000 per day, maximum 180 days per Policy Year(US$513)
- (b) 雜項開支
- $35,000(US$4,487)
- (c) 主診醫生巡房費
- HK$4,000 per day, maximum 180 days per Policy Year(US$513)
- (d) 專科醫生費
- $25,000(US$3,205)
- (e) 深切治療
- HK$10,000 per day, maximum 90 days per Policy Year(US$1,282)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $12,000(US$1,538)
- 外科醫生費 — 中型
- $30,000(US$3,846)
- 外科醫生費 — 大型
- $60,000(US$7,692)
- 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
- HK$60,000 per Policy YearSubject to 20% Coinsurance.(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
- HK$2,000, (US$256,) per visit, HK$10,000 (US$1,282) per Policy Year 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)
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 門診洗腎
- $100,000(US$12,821)
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 身體檢查保障
- $750(US$96)
- 出院後精神科門診治療
- —
- 住院陪床
- HK$1,000 per day, maximum 180 days per Policy Year(US$128)
- 私家看護費 (住院期間)
- —
- 善終服務
- $80,000(US$10,256)
- 家中看護
- HK$2,000 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy Year(US$256)
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 隔離病房費
- HK$2,000 per day, maximum 180 days per Policy Year (ward class: Standard Private Room)(US$256)
- 自付費適用範圍
- —
- 意外牙科治療
- $30,000(shared)
- 意外急症門診治療費用賠償
- $30,000(shared)
Cash Benefits Cash
- 日間手術現金惠益
- —
- 第二索償現金津貼
- —
- 較低級別病房現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 醫療意外事故保障
- $50,000(US$6,410)
- 意外身故賠償
- $10,000(US$1,282)
- 恩恤身故賠償
- $10,000(US$1,282)
- 指定家庭成員每日現金保障
- —
Plan 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)
Itemised LimitsVer. Apr 1, 2025
- VHIS cert no.
- F00027-04-001-03F00027-08-001-03
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$1,000,000(US$128,205)
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$500,000／per policy year, 20% coinsuranceUS$64,103／per policy year, 20% coinsurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- HK$4,000 per day, maximum 180 days per Policy Year(US$513)
- (b) 雜項開支
- $35,000(US$4,487)
- (c) 主診醫生巡房費
- HK$4,000 per day, maximum 180 days per Policy Year(US$513)
- (d) 專科醫生費
- $25,000(US$3,205)
- (e) 深切治療
- HK$10,000 per day, maximum 90 days per Policy Year(US$1,282)
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- $12,000(US$1,538)
- 外科醫生費 — 中型
- $30,000(US$3,846)
- 外科醫生費 — 大型
- $60,000(US$7,692)
- 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
- HK$60,000 per Policy YearSubject to 20% Coinsurance.(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
- HK$2,000, (US$256,) per visit, HK$10,000 (US$1,282) per Policy Year 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)
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 門診洗腎
- $100,000(US$12,821)
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 身體檢查保障
- $750(US$96)
- 出院後精神科門診治療
- —
- 住院陪床
- HK$1,000 (US$128) per day, maximum 180 days per Policy YearHK$1,000 (US$128) per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement
- 私家看護費 (住院期間)
- —
- 善終服務
- $80,000(US$10,256)
- 家中看護
- HK$2,000 (US$256) per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy YearStarting from the 31th visit within 90 days after discharge from Hospital, 80% of Eligible Expenses in excess of the benefit limit under benefit item 2 (f), up to HK$2,000 (US$256) per visit and maximum 15 visits per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 隔離病房費
- HK$2,000 (US$256) per day, maximum 180 days per Policy Year (ward class: Standard Private Room)HK$2,000 (US$256) per day80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy YearEffective from day 181 of confinement
- 自付費適用範圍
- —
- 意外牙科治療
- $30,000(shared)
- 意外急症門診治療費用賠償
- $30,000(shared)
Cash Benefits Cash
- 日間手術現金惠益
- —
- 第二索償現金津貼
- —
- 較低級別病房現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 醫療意外事故保障
- $50,000(US$6,410)
- 意外身故賠償
- $10,000(US$1,282)
- 恩恤身故賠償
- $10,000(US$1,282)
- 指定家庭成員每日現金保障
- —
Plan 10 / 15
自願醫保系列－靈活計劃（附加保障）
VHIS Series - Flexi Plan (SMM)
Itemised LimitsVer. Nov 1, 2022
- VHIS cert no.
- F00055-01-000-02
- Plan Type
- Flexi
- Coverage region
- Worldwide
- Ward class
- Ward
- Annual benefit limit
- HK$570,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- HK$150,000／per policy year, 10% coinsurance
- Deductible Options
- —
Basic Benefits Basic
- (a) 病房及膳食
- HK$1,200 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$14,000 per Policy Year
- (c) 主診醫生巡房費
- HK$1,200 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$4,300 per Policy Year
- (e) 深切治療
- HK$3,500 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HK$ 8,750
- 外科醫生費 — 中型
- HK$17,500
- 外科醫生費 — 大型
- HK$35,000
- 外科醫生費 — 複雜
- HK$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
- HK$20,000 per Policy YearSubject to 30% Coinsurance.
- (j) 訂明非手術癌症治療
- HK$80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$1,000, per visit, HK$15,000 per Policy Year 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
- HK$30,000 per Policy Year
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 門診洗腎
- HK$30,000 per Policy Year
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 身體檢查保障
- —
- 出院後精神科門診治療
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- HK$700 per day, maximum 15 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 隔離病房費
- —
- 自付費適用範圍
- —
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
Cash Benefits Cash
- 日間手術現金惠益
- —
- 第二索償現金津貼
- —
- 較低級別病房現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 醫療意外事故保障
- —
- 意外身故賠償
- —
- 恩恤身故賠償
- HK$10,000
- 指定家庭成員每日現金保障
- —
Plan 11 / 15
安達自願醫保（摯裕）計劃
Chubb VHIS - Superb Plan
High-limitVer. Dec 16, 2025
- VHIS cert no.
- F00082-01-000-01F00082-02-000-01F00082-03-000-01F00082-04-000-01
- Plan Type
- Flexi
- Coverage region
- Greater China
- Ward class
- Ward
- Annual benefit limit
- HK$6,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $25K / $50K / $100K
Basic Benefits 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
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 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 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 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
Extra Benefits Extra
- 指定重建手術保障
- $160,000
- 中風復康治療
- —
- 中風家居設備提升
- —
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Full reimbursementnon-specified items: HK$100,000 per Policy Year
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 身體檢查保障
- —
- 出院後精神科門診治療
- —
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- Full reimbursementof Eligible Expenses, maximum 60 days per Policy Year (within the post-discharge window after surgery or Intensive Care Unit stay, limited to up to 1 registered nurse per day)
- 出院後 / 日間手術後的額外門診輔助治療
- HK$1,000 per visit, maximum 30 visits per Policy Year (within 90 days after discharge from Hospital or completion of Day Case Procedure, up to 1 per day)
- 隔離病房費
- —
- 自付費適用範圍
- $25,000 - $100,000
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- Full reimbursementof Eligible Expenses within 24 hours of the Accident
Cash Benefits Cash
- 日間手術現金惠益
- $1,200
- 第二索償現金津貼
- $800
- 較低級別病房現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 醫療意外事故保障
- $10,000
- 意外身故賠償
- $10,000
- 恩恤身故賠償
- $10,000
- 指定家庭成員每日現金保障
- —
Plan 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
High-limitVer. Nov 1, 2022
- VHIS cert no.
- F00056-06-000-02F00056-07-000-02F00056-08-000-02
- Plan Type
- Flexi
- Coverage region
- Asia
- Ward class
- Ward
- Annual benefit limit
- HK$5,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $15K / $25K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursementNo monetary cap, maximum 180 days per Policy Year
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursementNo monetary cap, maximum 180 days per Policy Year
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursementNo monetary cap, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- Full reimbursement
- 外科醫生費 — 中型
- Full reimbursement
- 外科醫生費 — 大型
- Full reimbursement
- 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
- Full reimbursement 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 身體檢查保障
- —
- 出院後精神科門診治療
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- HK$800 per day, maximum 90 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 隔離病房費
- —
- 自付費適用範圍
- $15,000 - $25,000
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
Cash Benefits Cash
- 日間手術現金惠益
- —
- 第二索償現金津貼
- —
- 較低級別病房現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 醫療意外事故保障
- —
- 意外身故賠償
- —
- 恩恤身故賠償
- $10,000
- 指定家庭成員每日現金保障
- —
Plan 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
High-limitVer. Nov 1, 2022
- VHIS cert no.
- F00056-01-000-03F00056-02-000-03F00056-03-000-03F00056-04-000-03F00056-05-000-03
- Plan Type
- Flexi
- Coverage region
- Asia
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$30,000,000
- Lifetime benefit limit
- —
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $15K / $25K / $50K / $75K
Basic Benefits Basic
- (a) 病房及膳食
- Full reimbursementNo monetary cap, maximum 180 days per Policy Year
- (b) 雜項開支
- Full reimbursement
- (c) 主診醫生巡房費
- Full reimbursementNo monetary cap, maximum 180 days per Policy Year
- (d) 專科醫生費
- Full reimbursement
- (e) 深切治療
- Full reimbursementNo monetary cap, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- Full reimbursement
- 外科醫生費 — 中型
- Full reimbursement
- 外科醫生費 — 大型
- Full reimbursement
- 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
- Full reimbursement 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
Extra Benefits Extra
- 指定重建手術保障
- —
- 中風復康治療
- —
- 中風家居設備提升
- —
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- —
- 器官移植的捐贈者保障
- —
- 懷孕併發症
- —
- 身體檢查保障
- —
- 出院後精神科門診治療
- —
- 住院陪床
- —
- 私家看護費 (住院期間)
- —
- 善終服務
- —
- 家中看護
- HK$1,000 per day, maximum 90 days per Policy Year
- 出院後 / 日間手術後的額外門診輔助治療
- —
- 隔離病房費
- —
- 自付費適用範圍
- $15,000 - $75,000
- 意外牙科治療
- —
- 意外急症門診治療費用賠償
- —
Cash Benefits Cash
- 日間手術現金惠益
- —
- 第二索償現金津貼
- —
- 較低級別病房現金保障
- —
Event Benefits Event
- 中風傷殘津貼保障
- —
- 醫療意外事故保障
- —
- 意外身故賠償
- —
- 恩恤身故賠償
- $40,000
- 指定家庭成員每日現金保障
- —
Plan 14 / 15
安達自願醫保（優裕）計劃 (亞洲)
Chubb VHIS - Prime Plan
High-limitVer. Apr 16, 2024
- VHIS cert no.
- F00075-01-000-01F00075-02-000-01F00075-03-000-01F00075-04-000-01F00075-05-000-01
- Plan Type
- Flexi
- Coverage region
- Asia incl. AU/NZ
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$10,000,000
- Lifetime benefit limit
- HK$40,000,000
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $25K / $50K / $100K / $150K
Basic Benefits 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
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 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 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 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
Extra Benefits Extra
- 指定重建手術保障
- $160,000
- 中風復康治療
- HK$800 per visit (within 90 days post-dischargemax 30 visits per Policy Year
- 中風家居設備提升
- $30,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Full reimbursementnon-specified items: HK$100,000 per Policy Year
- 器官移植的捐贈者保障
- $500,000
- 懷孕併發症
- Full reimbursement
- 身體檢查保障
- —
- 出院後精神科門診治療
- HK$800 per visit (within the post-discharge windowmaximum 10 visits per Policy Year
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursementof Eligible Expenses (maximum 30 days per Policy Year, limited to services provided by up to 1 registered nurse(s) per day)
- 善終服務
- $80,000
- 家中看護
- Full reimbursementof Eligible Expenses (within 90 days after discharge from Hospital following surgery or Intensive Care Unit staylimited to home nursing services provided by up to 1 registered nurse(s) per day, maximum 60 days per Policy Year)
- 出院後 / 日間手術後的額外門診輔助治療
- HK$800 per visit (within the post-discharge windowmaximum 30 visits per Policy Year
- 隔離病房費
- —
- 自付費適用範圍
- $25,000 - $150,000
- 意外牙科治療
- Full reimbursementof Eligible Expenses within 31 days of the Accident
- 意外急症門診治療費用賠償
- Full reimbursementof Eligible Expenses within 24 hours of the Accident
Cash Benefits Cash
- 日間手術現金惠益
- $1,000
- 第二索償現金津貼
- $600
- 較低級別病房現金保障
- $800
Event Benefits Event
- 中風傷殘津貼保障
- HK$3,000 per month, max 24 months per Accident
- 醫療意外事故保障
- $10,000
- 意外身故賠償
- $10,000
- 恩恤身故賠償
- $10,000
- 指定家庭成員每日現金保障
- HK$800 per day, maximum 30 days per Policy Year (if the Insured Person is continuously Confined for 3 days or more and the designated family member is also an Insured Person under another "Chubb Voluntary Health Insurance (Privileged) Plan" policy)
Plan 15 / 15
安達自願醫保（優裕）計劃 (全球不包括美國)
Chubb VHIS - Prime Plan
High-limitVer. Apr 16, 2024
- VHIS cert no.
- F00075-06-000-01F00075-07-000-01F00075-08-000-01F00075-09-000-01F00075-10-000-01
- Plan Type
- Flexi
- Coverage region
- Worldwide (excluding United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$15,000,000
- Lifetime benefit limit
- HK$60,000,000
- 每傷病保障期
- —
- SMM Supplemental Major Medical
- —
- Deductible Options
- $0 / $25K / $50K / $100K / $150K
Basic Benefits 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
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 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
Extra Benefits Extra
- 指定重建手術保障
- $180,000
- 中風復康治療
- HK$1,000 per visit (within 90 days post-dischargemax 30 visits per Policy Year
- 中風家居設備提升
- $50,000
- 門診洗腎
- Full reimbursement
- 醫療植入裝置
- Full reimbursementnon-specified items: HK$100,000 per Policy Year
- 器官移植的捐贈者保障
- $500,000
- 懷孕併發症
- Full reimbursement
- 身體檢查保障
- —
- 出院後精神科門診治療
- HK$1,000 per visit (within the post-discharge windowmaximum 10 visits per Policy Year
- 住院陪床
- Full reimbursement
- 私家看護費 (住院期間)
- Full reimbursementof Eligible Expenses (maximum 30 days per Policy Year, limited to services provided by up to 1 registered nurse per day)
- 善終服務
- $100,000
- 家中看護
- Full reimbursementlimited to home nursing services provided by up to 1 registered nurse per day, maximum 60 days per Policy Year)
- 出院後 / 日間手術後的額外門診輔助治療
- HK$1,000 per visit (within the post-discharge windowmaximum 30 visits per Policy Year
- 隔離病房費
- —
- 自付費適用範圍
- $25,000 - $150,000
- 意外牙科治療
- Full reimbursementof Eligible Expenses within 31 days of the Accident
- 意外急症門診治療費用賠償
- Full reimbursementof Eligible Expenses within 24 hours of the Accident
Cash Benefits Cash
- 日間手術現金惠益
- $1,200
- 第二索償現金津貼
- $800
- 較低級別病房現金保障
- $1,200
Event Benefits Event
- 中風傷殘津貼保障
- HK$5,000 per month, max 24 months per Accident
- 醫療意外事故保障
- $10,000
- 意外身故賠償
- $10,000
- 恩恤身故賠償
- $10,000
- 指定家庭成員每日現金保障
- HK$800 per day, maximum 30 days per Policy Year (if the Insured Person is continuously Confined for 3 days or more and the designated family member is also an Insured Person under another "Chubb Voluntary Health Insurance (Privileged) Plan" policy)