Chubb VHIS - Flexi Plan is a VHIS Flexi plan offered by Chubb Life Insurance Hong Kong Limited, with basic and extra: No ward-class restriction; Isolation-room benefit: Ward, Worldwide (including United States) coverage and HK$500,000 annual benefit limit. Latest plan-document version: Oct 1, 2026.
Plan options
16 options — premiums differ; deductible, ward class or cover may also differPlan option
Classic (HKD)
Entry premium (Age 30 male non-smoker)
HK$5,264 /yr
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Plan option
Classic with Top-up benefit (HKD)
Entry premium (Age 30 male non-smoker)
HK$6,172 /yr
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Plan option
Ward (HKD)
Entry premium (Age 30 male non-smoker)
HK$6,183 /yr
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Plan option
Ward with Top-up benefit (HKD)
Entry premium (Age 30 male non-smoker)
HK$7,189 /yr
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Plan option
Semi-Private (HKD)
Entry premium (Age 30 male non-smoker)
HK$7,835 /yr
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Plan option
Semi-Private with Top-up benefit (HKD)
Entry premium (Age 30 male non-smoker)
HK$11,321 /yr
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Plan option
Private (HKD)
Entry premium (Age 30 male non-smoker)
HK$14,837 /yr
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Plan option
Private with Top-up benefit (HKD)
Entry premium (Age 30 male non-smoker)
HK$19,148 /yr
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Plan option
Classic (USD)
Entry premium (Age 30 male non-smoker)
US$675/yr
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Plan option
Classic with Top-up benefit (USD)
Entry premium (Age 30 male non-smoker)
US$791/yr
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Plan option
Ward (USD)
Entry premium (Age 30 male non-smoker)
US$793/yr
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Plan option
Ward with Top-up benefit (USD)
Entry premium (Age 30 male non-smoker)
US$922/yr
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Plan option
Semi-Private (USD)
Entry premium (Age 30 male non-smoker)
US$1,004/yr
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Plan option
Semi-Private with Top-up benefit (USD)
Entry premium (Age 30 male non-smoker)
US$1,451/yr
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Plan option
Private (USD)
Entry premium (Age 30 male non-smoker)
US$1,902/yr
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Plan option
Private with Top-up benefit (USD)
Entry premium (Age 30 male non-smoker)
US$2,455/yr
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Premiums by age
Yearly premium of every option by age and sex| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| Classic (HKD) | HK$6,548 | HK$4,315 | HK$4,437 | HK$5,264 | HK$6,972 | HK$11,127 | HK$16,989 | HK$24,712 | HK$36,183 |
| Classic with Top-up benefit (HKD) | HK$7,585 | HK$5,024 | HK$5,161 | HK$6,172 | HK$8,809 | HK$14,132 | HK$21,245 | HK$30,218 | HK$44,311 |
| Ward (HKD) | HK$7,731 | HK$4,825 | HK$5,185 | HK$6,183 | HK$8,241 | HK$13,256 | HK$20,325 | HK$29,635 | HK$43,472 |
| Ward with Top-up benefit (HKD) | HK$8,871 | HK$5,828 | HK$5,988 | HK$7,189 | HK$10,331 | HK$16,665 | HK$25,125 | HK$35,800 | HK$53,937 |
| Semi-Private (HKD) | HK$9,235 | HK$6,311 | HK$6,572 | HK$7,835 | HK$11,007 | HK$17,157 | HK$26,056 | HK$42,270 | HK$69,542 |
| Semi-Private with Top-up benefit (HKD) | HK$13,850 | HK$9,160 | HK$9,535 | HK$11,321 | HK$16,223 | HK$26,989 | HK$43,081 | HK$60,710 | HK$86,724 |
| Private (HKD) | HK$16,154 | HK$11,561 | HK$11,968 | HK$14,837 | HK$20,343 | HK$31,203 | HK$47,434 | HK$73,658 | HK$110,484 |
| Private with Top-up benefit (HKD) | HK$24,367 | HK$16,428 | HK$16,595 | HK$19,148 | HK$26,439 | HK$41,639 | HK$70,527 | HK$100,326 | HK$148,874 |
| Classic (USD) | US$839 | US$553 | US$569 | US$675 | US$894 | US$1,427 | US$2,178 | US$3,168 | US$4,639 |
| Classic with Top-up benefit (USD) | US$972 | US$644 | US$662 | US$791 | US$1,129 | US$1,812 | US$2,724 | US$3,874 | US$5,681 |
| Ward (USD) | US$991 | US$619 | US$665 | US$793 | US$1,057 | US$1,699 | US$2,606 | US$3,799 | US$5,573 |
| Ward with Top-up benefit (USD) | US$1,137 | US$747 | US$768 | US$922 | US$1,324 | US$2,137 | US$3,221 | US$4,590 | US$6,915 |
| Semi-Private (USD) | US$1,184 | US$809 | US$843 | US$1,004 | US$1,411 | US$2,200 | US$3,341 | US$5,419 | US$8,916 |
| Semi-Private with Top-up benefit (USD) | US$1,776 | US$1,174 | US$1,222 | US$1,451 | US$2,080 | US$3,460 | US$5,523 | US$7,783 | US$11,118 |
| Private (USD) | US$2,071 | US$1,482 | US$1,534 | US$1,902 | US$2,608 | US$4,000 | US$6,081 | US$9,443 | US$14,165 |
| Private with Top-up benefit (USD) | US$3,124 | US$2,106 | US$2,128 | US$2,455 | US$3,390 | US$5,338 | US$9,042 | US$12,862 | US$19,086 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| Classic (HKD) | HK$5,526 | HK$3,862 | HK$4,610 | HK$6,629 | HK$8,936 | HK$11,998 | HK$16,201 | HK$22,862 | HK$35,732 |
| Classic with Top-up benefit (HKD) | HK$7,585 | HK$5,352 | HK$6,142 | HK$8,061 | HK$10,772 | HK$15,027 | HK$20,365 | HK$29,785 | HK$45,338 |
| Ward (HKD) | HK$6,553 | HK$4,419 | HK$5,438 | HK$7,896 | HK$10,704 | HK$14,433 | HK$19,548 | HK$27,661 | HK$43,326 |
| Ward with Top-up benefit (HKD) | HK$8,871 | HK$6,216 | HK$7,154 | HK$9,438 | HK$12,664 | HK$17,726 | HK$24,079 | HK$35,286 | HK$53,956 |
| Semi-Private (HKD) | HK$7,423 | HK$5,744 | HK$6,820 | HK$9,826 | HK$13,670 | HK$18,517 | HK$25,863 | HK$41,693 | HK$65,159 |
| Semi-Private with Top-up benefit (HKD) | HK$11,568 | HK$8,129 | HK$9,222 | HK$12,488 | HK$17,459 | HK$24,917 | HK$37,478 | HK$52,926 | HK$81,250 |
| Private (HKD) | HK$14,150 | HK$10,313 | HK$13,271 | HK$17,829 | HK$24,956 | HK$34,775 | HK$46,251 | HK$70,733 | HK$103,592 |
| Private with Top-up benefit (HKD) | HK$23,503 | HK$16,238 | HK$17,486 | HK$22,841 | HK$32,192 | HK$44,029 | HK$65,216 | HK$91,549 | HK$139,566 |
| Classic (USD) | US$708 | US$495 | US$591 | US$850 | US$1,146 | US$1,538 | US$2,077 | US$2,931 | US$4,581 |
| Classic with Top-up benefit (USD) | US$972 | US$686 | US$787 | US$1,033 | US$1,381 | US$1,927 | US$2,611 | US$3,819 | US$5,813 |
| Ward (USD) | US$840 | US$567 | US$697 | US$1,012 | US$1,372 | US$1,850 | US$2,506 | US$3,546 | US$5,555 |
| Ward with Top-up benefit (USD) | US$1,137 | US$797 | US$917 | US$1,210 | US$1,624 | US$2,273 | US$3,087 | US$4,524 | US$6,917 |
| Semi-Private (USD) | US$952 | US$736 | US$874 | US$1,260 | US$1,753 | US$2,374 | US$3,316 | US$5,345 | US$8,354 |
| Semi-Private with Top-up benefit (USD) | US$1,483 | US$1,042 | US$1,182 | US$1,601 | US$2,238 | US$3,194 | US$4,805 | US$6,785 | US$10,417 |
| Private (USD) | US$1,814 | US$1,322 | US$1,701 | US$2,286 | US$3,199 | US$4,458 | US$5,930 | US$9,068 | US$13,281 |
| Private with Top-up benefit (USD) | US$3,013 | US$2,082 | US$2,242 | US$2,928 | US$4,127 | US$5,645 | US$8,361 | US$11,737 | US$17,893 |
How to apply for this plan
This plan is offered by Chubb Life Insurance Hong Kong Limited. To apply, contact Chubb Life Insurance Hong Kong Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
This site's licensed insurance agent can only arrange FWD plans.
- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Oct 1, 2026
- Plan data updated
- 2026-10-05