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

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

Display optionsMerge deductible variantsMerge HKD / USD twins

項目

Chubb VHIS - Standard Plan

Chubb VHIS - Flexi Plan - Classic (HKD)

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

Chubb VHIS - Flexi Plan - Ward (HKD)

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

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

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

Chubb VHIS - Flexi Plan - Private (HKD)

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

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

Chubb VHIS - Superb Plan - HKD0 Deductible

VHIS Series - Flexi Plan (Superior) - Standard Ward - HKD0 Deductible

VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD0 Deductible

Chubb VHIS - Prime Plan - HKD0 Deductible (Asia)

Chubb VHIS - Prime Plan - HKD0 Deductible (Worldwide excluding USA)

Highlights

VHIS cert no.

S00044-01-000-03

F00027-01-000-03

F00027-05-000-03

F00027-01-001-03

F00027-05-001-03

F00027-02-000-03

F00027-06-000-03

F00027-02-001-03

F00027-06-001-03

F00027-03-000-03

F00027-07-000-03

F00027-03-001-03

F00027-07-001-03

F00027-04-000-03

F00027-08-000-03

F00027-04-001-03

F00027-08-001-03

F00055-01-000-02

F00082-01-000-01

F00082-02-000-01

F00082-03-000-01

F00082-04-000-01

F00056-06-000-02

F00056-07-000-02

F00056-08-000-02

F00056-01-000-03

F00056-02-000-03

F00056-03-000-03

F00056-04-000-03

F00056-05-000-03

F00075-01-000-01

F00075-02-000-01

F00075-03-000-01

F00075-04-000-01

F00075-05-000-01

F00075-06-000-01

F00075-07-000-01

F00075-08-000-01

F00075-09-000-01

F00075-10-000-01

Plan type

Standard

Flexi

Coverage region

Worldwide

Greater China

Asia

Asia incl. AU/NZ

Worldwide (excluding United States)

Ward

N/A (capped)

Ward

Semi-Private Room

Standard Private Room

Ward

Semi-Private Room

Standard Private Room

Lifetime limit

—

Annual limit

Per illness

—

SMM top-up

—

— see shared limit below

—

Deductible

—

Version

Apr 1, 2025

Nov 1, 2022

Dec 16, 2025

Nov 1, 2022

Apr 16, 2024

Basic Benefits Basic

(a) Room and board

$750 per day, maximum 180 days per Policy Year

$850 per day, maximum 180 days per Policy Year(US$109 per day, maximum 180 days per Policy Year)

$1,200 per day, maximum 180 days per Policy Year(US$154 per day, maximum 180 days per Policy Year)

$2,500 per day, maximum 180 days per Policy Year(US$321 per day, maximum 180 days per Policy Year)

$4,000 per day, maximum 180 days per Policy Year(US$513 per day, maximum 180 days per Policy Year)

$1,200 per day, maximum 180 days per Policy Year

Full reimbursement of Eligible Expenses

No monetary cap, maximum 180 days per Policy Year

Full reimbursement of Eligible Expenses

(b) Miscellaneous charges

$14,000 per Policy Year

$14,000 per Policy Year(US$1,795 per Policy Year)

$18,000 per Policy Year(US$2,308 per Policy Year)

$26,000 per Policy Year(US$3,333 per Policy Year)

$35,000 per Policy Year(US$4,487 per Policy Year)

$14,000 per Policy Year

Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit Medical Devices)

No monetary cap

Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit Medical Devices)

$750 per day, maximum 180 days per Policy Year

$850 per day, maximum 180 days per Policy Year(US$109 per day, maximum 180 days per Policy Year)

$1,200 per day, maximum 180 days per Policy Year(US$154 per day, maximum 180 days per Policy Year)

$2,500 per day, maximum 180 days per Policy Year(US$321 per day, maximum 180 days per Policy Year)

$4,000 per day, maximum 180 days per Policy Year(US$513 per day, maximum 180 days per Policy Year)

$1,200 per day, maximum 180 days per Policy Year

Full reimbursement of Eligible Expenses

No monetary cap, maximum 180 days per Policy Year

Full reimbursement of Eligible Expenses

(d) Specialist's fee

$4,300 per Policy Year

$4,300 per Policy Year(US$551 per Policy Year)

$5,500 per Policy Year(US$705 per Policy Year)

$12,000 per Policy Year(US$1,538 per Policy Year)

$25,000 per Policy Year(US$3,205 per Policy Year)

$4,300 per Policy Year

Full reimbursement of Eligible Expenses

No monetary cap

Full reimbursement of Eligible Expenses

(e) Intensive care

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

$3,500 per day, maximum 90 days per Policy Year(US$449 per day, maximum 90 days per Policy Year)

$5,000 per day, maximum 90 days per Policy Year(US$641 per day, maximum 90 days per Policy Year)

$7,500 per day, maximum 90 days per Policy Year(US$962 per day, maximum 90 days per Policy Year)

$10,000 per day, maximum 90 days per Policy Year(US$1,282 per day, maximum 90 days per Policy Year)

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

Full reimbursement of Eligible Expenses

No monetary cap, maximum 25 days per Policy Year

Full reimbursement of Eligible Expenses

(f) Surgeon's fee

—

Full reimbursement of Eligible Expenses regardless of surgical category

—

Full reimbursement of Eligible Expenses regardless of surgical category

Surgeon's fee — Minor

$5,000

$5,000(US$ 641)

$5,000(US$641)

$6,000(US$769)

$8,000(US$1,026)

$12,000(US$1,538)

$ 8,750

—

No monetary cap

—

Surgeon's fee — Intermediate

$12,500

$12,500(US$1,603)

$15,000(US$1,923)

$20,000(US$2,564)

$30,000(US$3,846)

$17,500

—

No monetary cap

—

Surgeon's fee — Major

$25,000

$25,000(US$3,205)

$30,000(US$3,846)

$40,000(US$5,128)

$60,000(US$7,692)

$35,000

—

No monetary cap

—

Surgeon's fee — Complex

$50,000

$50,000(US$6,410)

$60,000(US$7,692)

$75,000(US$9,615)

$100,000(US$12,821)

$70,000

—

No monetary cap

—

(g) Anaesthetist's fee

35% of Surgeon's fee payable

Full reimbursement of Eligible Expenses

No monetary cap

Full reimbursement of Eligible Expenses

(h) Operating theatre charges

35% of Surgeon's fee payable

Full reimbursement of Eligible Expenses

No monetary cap

Full reimbursement of Eligible Expenses

(i) Prescribed Diagnostic Imaging Tests

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

$20,000 per Policy Year. Subject to 30% Coinsurance.(US$2,564 per Policy Year. Subject to 30% Coinsurance.)

$30,000 per Policy Year. Subject to 20% Coinsurance.(US$3,846 per Policy Year. Subject to 20% Coinsurance.)

$45,000 per Policy Year. Subject to 20% Coinsurance.(US$5,769 per Policy Year. Subject to 20% Coinsurance.)

$60,000 per Policy Year. Subject to 20% Coinsurance.(US$7,692 per Policy Year. Subject to 20% Coinsurance.)

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

Full reimbursement of Eligible Expenses

No monetary cap

Full reimbursement of Eligible Expenses

(j) Prescribed Non-surgical Cancer Treatments

$80,000 per Policy Year

$80,000 per Policy Year(US$10,256 per Policy Year)

$110,000 per Policy Year(US$14,103 per Policy Year)

$160,000 per Policy Year(US$20,513 per Policy Year)

$80,000 per Policy Year

Full reimbursement of Eligible Expenses

No monetary cap

Full reimbursement of Eligible Expenses

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

$580, per visit, $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

$700, per visit, $3,500 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case ProcedurePre-admission covers: consultation, prescribed western medication or diagnostic testPost-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic testPost-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner(US$90, per visit, US$449 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case ProcedurePre-admission covers: consultation, prescribed western medication or diagnostic testPost-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic testPost-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner)

$900, per visit, $4,500 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case ProcedurePre-admission covers: consultation, prescribed western medication or diagnostic testPost-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic testPost-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner(US$115, per visit, US$577 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case ProcedurePre-admission covers: consultation, prescribed western medication or diagnostic testPost-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic testPost-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner)

$1,200, per visit, $6,500 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case ProcedurePre-admission covers: consultation, prescribed western medication or diagnostic testPost-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic testPost-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner(US$154, per visit, US$833 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case ProcedurePre-admission covers: consultation, prescribed western medication or diagnostic testPost-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic testPost-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner)

$2,000, per visit, $10,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case ProcedurePre-admission covers: consultation, prescribed western medication or diagnostic testPost-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic testPost-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner(US$256, per visit, US$1,282 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case ProcedurePre-admission covers: consultation, prescribed western medication or diagnostic testPost-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic testPost-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner)

$1,000, per visit, $15,000 per Policy YearUp to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp 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 reimbursement of Eligible Expenses Pre-Confinement/Day Case Procedure:All 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 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

No monetary cap1 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

Full reimbursement of Eligible Expenses. Pre-Confinement / Day Case Procedure:

(l) Psychiatric treatments

$30,000 per Policy Year

$30,000 per Policy Year(US$3,846 per Policy Year)

$40,000 per Policy Year(US$5,128 per Policy Year)

$60,000 per Policy Year(US$7,692 per Policy Year)

$90,000 per Policy Year(US$11,538 per Policy Year)

$30,000 per Policy Year

$40,000 per Policy Year

No monetary cap

$50,000 per Policy Year

Extra Benefits Extra

Accident-related

Emergency dental benefit (Accident only)

—

$5,000 per Policy Year, within 31 days of the Accident(US$5,000 per Policy Year, within 31 days of the Accident)

—

Full reimbursement of Eligible Expenses within 31 days of the Accident

Emergency outpatient treatment for Accident

—

$5,000 per Policy Year within 24 hours of the Accident(US$641 per Policy Year within 24 hours of the Accident)

$15,000 per Policy Year within 24 hours of the Accident(US$1,923 per Policy Year within 24 hours of the Accident)

$22,000 per Policy Year within 24 hours of the Accident(US$2,821 per Policy Year within 24 hours of the Accident)

$30,000 per Policy Year within 24 hours of the Accident(US$3,846 per Policy Year within 24 hours of the Accident)

—

Full reimbursement of Eligible Expenses within 24 hours of the Accident

—

Full reimbursement of Eligible Expenses within 24 hours of the Accident

Inpatient-related

Medical implants / prosthetic devices

—

Specified items: Full reimbursement of Eligible Expenses; non-specified items: $100,000 per Policy Year

—

Specified items: Full reimbursement of Eligible Expenses; non-specified items: $100,000 per Policy Year

Organ transplant donor benefit

—

$500,000 per major organ transplant (heart, kidney, liver, lung or bone marrow transplant)

Complications of pregnancy

—

Full reimbursement of Eligible Expenses

Hospital companion bed fee reimbursement

—

$400 per day, maximum 180 days per Policy Year(US$51 per day, maximum 180 days per Policy Year)

$600 per day, maximum 180 days per Policy Year(US$77 per day, maximum 180 days per Policy Year)

$1,000 per day, maximum 180 days per Policy Year(US$128 per day, maximum 180 days per Policy Year)

—

Full reimbursement of Eligible Expenses

—

Full reimbursement of Eligible Expenses

Private nursing fee (during Confinement)

—

Full reimbursement of Eligible Expenses (maximum 30 days per Policy Year, limited to services provided by up to 1 registered nurse(s) per day)

Full reimbursement of Eligible Expenses (maximum 30 days per Policy Year, limited to services provided by up to 1 registered nurse per day)

Isolation ward charges benefit

—

$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))

$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))

$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))

$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))

—

Outpatient-related

Post-stroke rehabilitation visits

—

$800 per visit (within 90 days post-discharge; max 30 visits per Policy Year; max 1 per day)

$1,000 per visit (within 90 days post-discharge; max 30 visits per Policy Year; max 1 per day)

Post-stroke home equipment upgrade

—

$30,000 per Accident

$50,000 per Accident

Outpatient kidney dialysis

—

$10,000 per Policy Year(US$1,282 per Policy Year)

$30,000 per Policy Year(US$3,846 per Policy Year)

$60,000 per Policy Year(US$7,692 per Policy Year)

$100,000 per Policy Year(US$12,821 per Policy Year)

$30,000 per Policy Year

Full reimbursement of Eligible Expenses

No monetary cap

Full reimbursement of Eligible Expenses

Health check-up benefit

—

$250 per Policy Year(US$32 per Policy Year)

$400 per Policy Year(US$51 per Policy Year)

$750 per Policy Year(US$96 per Policy Year)

—

Post-discharge outpatient psychiatric treatment

—

$800 per visit (within the post-discharge window; maximum 10 visits per Policy Year; up to 1 per day)

$1,000 per visit (within the post-discharge window; maximum 10 visits per Policy Year; up to 1 per day)

Hospice and palliative care benefit

—

$15,000 per Policy Year(US$1,923 per Policy Year)

$30,000 per Policy Year(US$3,846 per Policy Year)

$50,000 per Policy Year(US$6,410 per Policy Year)

$80,000 per Policy Year(US$10,256 per Policy Year)

—

$80,000 per Policy Year

$100,000 per Policy Year

Daily post-surgery home nursing benefit

—

$500 per visit • 1 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)

$500 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy Year(US$64 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy Year)

$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)

$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)

$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)

$700 per day, maximum 15 days per Policy Year

Full reimbursement of 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)

$800 per day, maximum 90 days per Policy Year

$1,000 per day, maximum 90 days per Policy Year

Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital following surgery or Intensive Care Unit stay; limited to home nursing services provided by up to 1 registered nurse(s) per day, maximum 60 days per Policy Year)

Full reimbursement of Eligible Expenses (within the post-discharge window after surgery or Intensive Care Unit stay; limited to home nursing services provided by up to 1 registered nurse per day, maximum 60 days per Policy Year)

Post-Confinement / Day Case Procedure auxiliary therapy

—

$1,000 per visit, maximum 30 visits per Policy Year (within the post-discharge window after Confinement or Day Case Procedure, up to 1 per day)

—

$800 per visit (within the post-discharge window; maximum 30 visits per Policy Year; up to 1 per day)

$1,000 per visit (within the post-discharge window; maximum 30 visits per Policy Year; up to 1 per day)

Cancer-related

Reconstructive surgery for specified conditions

—

$160,000 per Accident / per mastectomy

—

$160,000 per Accident / per mastectomy

$180,000 per Accident / per mastectomy

Aggregate Limits

Deductible for items (a)–(n)

—

Cash Benefits Cash

Day surgery cash benefit

—

$1,200 per Day Case Procedure, maximum 10 Day Case Procedures per Policy Year, up to 1 per day

—

$1,000 per Day Case Procedure, maximum 10 Day Case Procedures per Policy Year, up to 1 per day

$1,200 per Day Case Procedure, maximum 10 Day Case Procedures per Policy Year, up to 1 per day

Second-claim cash allowance

—

$800 per day during Confinement, maximum 90 days per Policy Year

—

$600 per day during Confinement, maximum 90 days per Policy Year

$800 per day during Confinement, maximum 90 days per Policy Year

Lower ward class cash benefit

—

$800 per day during Confinement, maximum 30 days per Policy Year

$1,200 per day during Confinement, maximum 30 days per Policy Year

Event Benefits Event

Stroke disability allowance benefit

—

$3,000 per month, max 24 months per Accident

$5,000 per month, max 24 months per Accident

Medical accident and incident extension benefit

—

$10,000(US$1,282)

$30,000(US$3,846)

$50,000(US$6,410)

—

$10,000

—

$10,000

Accidental Death benefit

—

$10,000(US$1,282)

—

$10,000

—

$10,000

Compassionate death benefit

—

$10,000(US$1,282)

$10,000

$40,000

$10,000

Designated family member daily cash benefit

—

$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 name

Chubb VHIS - Standard Plan

安達自願醫保（標準）計劃

Entry-level Pick

Ver. Apr 1, 2025

VHIS cert no.

S00044-01-000-03

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

—

Surgeon's fee — Minor

$5,000

Surgeon's fee — Intermediate

$12,500

Surgeon's fee — Major

$25,000

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

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

—

Daily post-surgery home nursing benefit

—

Post-Confinement / Day Case Procedure auxiliary therapy

—

Cancer-related

Reconstructive surgery for specified conditions

—

Aggregate Limits

Deductible for items (a)–(n)

—

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 name

Chubb VHIS - Standard Plan

安達自願醫保（標準）計劃

Entry-level Pick

Ver. Apr 1, 2025

Plan 1 / 15

安達自願醫保（標準）計劃

Chubb VHIS - Standard Plan

Entry-level PickVer. 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: $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: —
　　外科醫生費 — 小型: $5,000
　　外科醫生費 — 中型: $12,500
　　外科醫生費 — 大型: $25,000
　　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

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: —
保障項目(a) – (n)的自付費: —
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: —
次級病房級別現金惠益: —

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)

Step UpVer. 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: — see shared limit below
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: $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: $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: $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: $20,000 per Policy Year. Subject 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: $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 • Pre-admission covers: consultation, prescribed western medication or diagnostic test • Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test • Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
(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: $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: $450 per day, maximum 180 days per Policy Year (ward class: Basic/General Ward)(US$58)
保障項目(a) – (n)的自付費: —
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: —
次級病房級別現金惠益: —

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)

Step UpVer. 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 · 30% co-insurance(US$12,821 · 30% co-insurance)
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: $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: $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: $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: $20,000 per Policy Year. Subject 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: $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 • Pre-admission covers: consultation, prescribed western medication or diagnostic test • Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test • Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
(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: $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: $500 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy Year(US$64)
出院後 / 日間手術後的額外門診輔助治療: —
隔離病房費: $450 per day, maximum 180 days per Policy Year (ward class: Basic/General Ward)(US$58)
保障項目(a) – (n)的自付費: —
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: —
次級病房級別現金惠益: —

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)

Step UpVer. 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: — see shared limit below
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: $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: $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: $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: $30,000 per Policy Year. Subject 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: $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 • Pre-admission covers: consultation, prescribed western medication or diagnostic test • Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test • Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
(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: $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: $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: $600 per day, maximum 180 days per Policy Year (ward class: Basic/General Ward)(US$77)
保障項目(a) – (n)的自付費: —
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: —
次級病房級別現金惠益: —

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)

Step UpVer. 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 · 20% co-insurance(US$23,077 · 20% co-insurance)
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: $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: $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: $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: $30,000 per Policy Year. Subject 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: $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 • Pre-admission covers: consultation, prescribed western medication or diagnostic test • Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test • Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
(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: $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: $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: $600 per day, maximum 180 days per Policy Year (ward class: Basic/General Ward)(US$77)
保障項目(a) – (n)的自付費: —
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: —
次級病房級別現金惠益: —

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)

Step UpVer. 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: — see shared limit below
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: $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: $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: $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: $45,000 per Policy Year. Subject 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: $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 • Pre-admission covers: consultation, prescribed western medication or diagnostic test • Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test • Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
(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: $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: $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: $1,200 per day, maximum 180 days per Policy Year (ward class: Semi-Private Room)(US$154)
保障項目(a) – (n)的自付費: —
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: —
次級病房級別現金惠益: —

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)

Step UpVer. 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 · 20% co-insurance(US$32,051 · 20% co-insurance)
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: $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: $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: $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: $45,000 per Policy Year. Subject 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: $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 • Pre-admission covers: consultation, prescribed western medication or diagnostic test • Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test • Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
(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: $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: $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: $1,200 per day, maximum 180 days per Policy Year (ward class: Semi-Private Room)(US$154)
保障項目(a) – (n)的自付費: —
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: —
次級病房級別現金惠益: —

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)

Step UpVer. 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: — see shared limit below
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: $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: $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: $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: $60,000 per Policy Year. Subject 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: $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 • Pre-admission covers: consultation, prescribed western medication or diagnostic test • Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test • Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
(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: $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: $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: $2,000 per day, maximum 180 days per Policy Year (ward class: Standard Private Room)(US$256)
保障項目(a) – (n)的自付費: —
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: —
次級病房級別現金惠益: —

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)

Step UpVer. 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 · 20% co-insurance(US$64,103 · 20% co-insurance)
Deductible Options: —

Basic Benefits Basic

(a) 病房及膳食: $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: $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: $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: $60,000 per Policy Year. Subject 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: $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 • Pre-admission covers: consultation, prescribed western medication or diagnostic test • Post-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic test • Post-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
(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: $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: $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: $2,000 per day, maximum 180 days per Policy Year (ward class: Standard Private Room)(US$256)
保障項目(a) – (n)的自付費: —
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: —
次級病房級別現金惠益: —

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） - 靈活計劃(附加保障)

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

Step UpVer. 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 · 10% co-insurance
Deductible Options: —

Basic Benefits 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: —
　　外科醫生費 — 小型: $ 8,750
　　外科醫生費 — 中型: $17,500
　　外科醫生費 — 大型: $35,000
　　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

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 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: $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: —
保障項目(a) – (n)的自付費: —
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: —
次級病房級別現金惠益: —

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 11 / 15

安達自願醫保（摯裕）計劃

Chubb VHIS - Superb Plan

High-endVer. 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 of Eligible Expenses (subject to the benefit limit of additional benefit Medical Devices)
(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 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

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: Specified items: Full reimbursement of Eligible Expenses; non-specified items: $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 reimbursement of 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: $1,000 per visit, maximum 30 visits per Policy Year (within the post-discharge window after Confinement or Day Case Procedure, up to 1 per day)
隔離病房費: —
保障項目(a) – (n)的自付費: $25,000 - $100,000
意外牙科治療: —
意外急症門診治療費用賠償: Full reimbursement of 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
次級病房級別現金惠益: —

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-endVer. 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: No monetary cap, maximum 180 days per Policy Year
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: No monetary cap, maximum 180 days per Policy Year
(d) 專科醫生費: Full reimbursement
(e) 深切治療: No 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: 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

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: $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: —
保障項目(a) – (n)的自付費: $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: —
次級病房級別現金惠益: —

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-endVer. 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: No monetary cap, maximum 180 days per Policy Year
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: No monetary cap, maximum 180 days per Policy Year
(d) 專科醫生費: Full reimbursement
(e) 深切治療: No 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: 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

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: $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: —
保障項目(a) – (n)的自付費: $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: —
次級病房級別現金惠益: —

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-endVer. 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 of Eligible Expenses (subject to the benefit limit of additional benefit Medical Devices)
(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 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

Extra Benefits Extra

指定重建手術保障: $160,000
中風復康治療: $800 per visit (within 90 days post-discharge; max 30 visits per Policy Year; max 1 per day)
中風家居設備提升: $30,000
門診洗腎: Full reimbursement
醫療植入裝置: Specified items: Full reimbursement of Eligible Expenses; non-specified items: $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: $800 per visit (within the post-discharge window; maximum 10 visits per Policy Year; up to 1 per day)
住院陪床: Full reimbursement
私家看護費 (住院期間): Full reimbursement of 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 reimbursement of Eligible Expenses (within 90 days after discharge from Hospital following surgery or Intensive Care Unit stay; limited 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: $800 per visit (within the post-discharge window; maximum 30 visits per Policy Year; up to 1 per day)
隔離病房費: —
保障項目(a) – (n)的自付費: $25,000 - $150,000
意外牙科治療: Full reimbursement of Eligible Expenses within 31 days of the Accident
意外急症門診治療費用賠償: Full reimbursement of 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
次級病房級別現金惠益: $800

Event Benefits Event

中風傷殘津貼保障: $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: $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-endVer. 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 of Eligible Expenses (subject to the benefit limit of additional benefit Medical Devices)
(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 of Eligible Expenses. Pre-Confinement / Day Case Procedure:
(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: $1,000 per visit (within 90 days post-discharge; max 30 visits per Policy Year; max 1 per day)
中風家居設備提升: $50,000
門診洗腎: Full reimbursement
醫療植入裝置: Specified items: Full reimbursement of Eligible Expenses; non-specified items: $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: $1,000 per visit (within the post-discharge window; maximum 10 visits per Policy Year; up to 1 per day)
住院陪床: Full reimbursement
私家看護費 (住院期間): Full reimbursement of 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 reimbursement of Eligible Expenses (within the post-discharge window after surgery or Intensive Care Unit stay; limited 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: $1,000 per visit (within the post-discharge window; maximum 30 visits per Policy Year; up to 1 per day)
隔離病房費: —
保障項目(a) – (n)的自付費: $25,000 - $150,000
意外牙科治療: Full reimbursement of Eligible Expenses within 31 days of the Accident
意外急症門診治療費用賠償: Full reimbursement of 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
次級病房級別現金惠益: $1,200

Event Benefits Event

中風傷殘津貼保障: $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: $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)