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

安達自願醫保（靈活）計劃 - 半私家及附加額外保障(港元)

Chubb VHIS - Flexi Plan - Semi-Private with Top-up benefit (HKD) is a VHIS Flexi plan offered by Chubb Life Insurance Hong Kong Limited, with basic and extra: No ward-class restriction; Isolation-room benefit: Semi-Private Room; SMM: Semi-Private Room, Worldwide (including United States) coverage and HK$800,000 annual benefit limit. Latest plan-document version: Oct 1, 2026.

VHIS FlexiF00027-03-001-03

Plan at a glance

Ward class: Basic and extra: No ward-class restriction; Isolation-room benefit: Semi-Private Room; SMM: Semi-Private Room
Coverage region: Worldwide (including United States)
Deductible: —
Annual benefit limit: HK$800,000
Per-illness annual limit: —
Lifetime benefit limit: No cap
SMM Supplemental Major Medical: HK$250,000／per policy year, 20% coinsurance

Benefits

Full benefit schedule · grouped by basic / extra / cash / event

Benefit Item	Limit
Basic Benefits
(a) Room and board (a) 病房及膳食	每日 $2,500 每保單年度最多 180 日
(b) Miscellaneous charges (b) 雜項開支	每保單年度$26,000
(c) Attending doctor's visit fee (c) 主診醫生巡房費	每日 $2,500 每保單年度最多 180 日
(d) Specialist's fee (d) 專科醫生費	每保單年度$12,000
(e) Intensive care (e) 深切治療	每日 $7,500 每保單年度最多 90日
Surgeon's fee — Minor 外科醫生費 — 小型	$8,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$20,000
Surgeon's fee — Major 外科醫生費 — 大型	$40,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$75,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	外科醫生費的 35%
(h) Operating theatre charges (h) 手術室費	外科醫生費的 35%
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	每保單年度 $45,000 設 20% 共同保險
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	每保單年度 $110,000
(k) Pre- and post-Confinement / Day Case Procedure outpatient care (k) 入院前或出院後／日間手術前後的門診護理	每次$1,200，每保單年度$6,500住院 / 日間手術前最多 1 次門診或急症診症出院 / 日間手術後 90 日內最多 3 次跟進門診
(l) Psychiatric treatments (l) 精神科治療	每保單年度 $60,000
Room and board (a) 病房及膳食	每日 $2,500 每保單年度住院第181日起的合資格費用之80%
Miscellaneous charges (b) 雜項開支	每保單年度內超出保障項目1（b）下可賠償雜項開支的合資格費用之80%
Attending doctor's visit fee (c) 主診醫生巡房費	每日 $2,500 每保單年度住院第181日起的合資格費用之80%
Specialist's fee (d) 專科醫生費	每保單年度內超出保障項目1（d）下可賠償專科醫生費的合資格費用之80%
Intensive care (e) 深切治療	每日 $7,500 每保單年度住院第91日起的合資格費用之80%
Surgeon's fee (f) 外科醫生費	每保單年度內超出保障項目1（f）下可賠償外科醫生費的合資格費用之80%
Anaesthetist's fee (g) 麻醉科醫生費	每保單年度內超出保障項目1（g）下可賠償麻醉科醫生費的合資格費用之80%
Operating theatre charges (h) 手術室費	每保單年度內超出保障項目1（h）下可賠償手術室費的合資格費用之80%
Pre- and post-Confinement / Day Case Procedure outpatient care (i) 入院前或出院後 / 日間手術前後的門診護理	超出保障項目1（k）下可賠償合資格費用的80%，並受限於﹕住院 / 日間手術前額外1次門診或急症診症出院 / 日間手術後90日內額外3次跟進門診每次最多$1,200及每保單年度最多$6,500
Extra Benefits
Outpatient kidney dialysis 門診腎臟透析治療	每保單年度$60,000
Emergency outpatient treatment for Accident 緊急意外門診治療保障	每保單年度$22,000
Emergency dental benefit (Accident only) 緊急意外門診治療保障 — 牙齒治療	每保單年度$22,000
Hospital companion bed fee reimbursement 住院陪床費	每日 $600 每保單年度最多180日
Hospice and palliative care benefit 安寧療護及紓緩護理費	每保單年度$50,000
Isolation ward charges benefit 隔離病房費	每日 $1,200 每保單年度最多180日（所屬病房級別﹕半私家房）
Home nursing 住院後居家看護	每次 $1,200每日1次，於出院後90日每保單年度30次
Health check-up benefit 健康檢查	每保單年度$400
Hospital companion bed fee reimbursement 住院陪床費	每日 $600 每保單年度住院第181日起的合資格費用之80%
Isolation ward charges benefit 隔離病房費	每日 $1,200 每保單年度住院第181日起的合資格費用之80%
Home nursing 住院後居家看護	於出院後90日內第31次探訪開始，超出保障項目2（f）下可賠償合資格費用的80%，每次探訪最多$1,200及每保單年度最多15次探訪
Event Benefits
Medical accident and incident extension benefit 醫療疏忽事故賠償	$30,000
Accidental Death benefit 意外身故賠償	$10,000
Compassionate death benefit 身故保障	$10,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
每日 $2,500 每保單年度最多 180 日
(b) Miscellaneous charges
(b) 雜項開支
每保單年度$26,000
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
每日 $2,500 每保單年度最多 180 日
(d) Specialist's fee
(d) 專科醫生費
每保單年度$12,000
(e) Intensive care
(e) 深切治療
每日 $7,500 每保單年度最多 90日
Surgeon's fee — Minor
外科醫生費 — 小型
$8,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$20,000
Surgeon's fee — Major
外科醫生費 — 大型
$40,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$75,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
外科醫生費的 35%
(h) Operating theatre charges
(h) 手術室費
外科醫生費的 35%
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
每保單年度 $45,000 設 20% 共同保險
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
每保單年度 $110,000
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
(k) 入院前或出院後／日間手術前後的門診護理
每次$1,200，每保單年度$6,500住院 / 日間手術前最多 1 次門診或急症診症出院 / 日間手術後 90 日內最多 3 次跟進門診
(l) Psychiatric treatments
(l) 精神科治療
每保單年度 $60,000
Room and board
(a) 病房及膳食
每日 $2,500 每保單年度住院第181日起的合資格費用之80%
Miscellaneous charges
(b) 雜項開支
每保單年度內超出保障項目1（b）下可賠償雜項開支的合資格費用之80%
Attending doctor's visit fee
(c) 主診醫生巡房費
每日 $2,500 每保單年度住院第181日起的合資格費用之80%
Specialist's fee
(d) 專科醫生費
每保單年度內超出保障項目1（d）下可賠償專科醫生費的合資格費用之80%
Intensive care
(e) 深切治療
每日 $7,500 每保單年度住院第91日起的合資格費用之80%
Surgeon's fee
(f) 外科醫生費
每保單年度內超出保障項目1（f）下可賠償外科醫生費的合資格費用之80%
Anaesthetist's fee
(g) 麻醉科醫生費
每保單年度內超出保障項目1（g）下可賠償麻醉科醫生費的合資格費用之80%
Operating theatre charges
(h) 手術室費
每保單年度內超出保障項目1（h）下可賠償手術室費的合資格費用之80%
Pre- and post-Confinement / Day Case Procedure outpatient care
(i) 入院前或出院後 / 日間手術前後的門診護理
超出保障項目1（k）下可賠償合資格費用的80%，並受限於﹕住院 / 日間手術前額外1次門診或急症診症出院 / 日間手術後90日內額外3次跟進門診每次最多$1,200及每保單年度最多$6,500

Extra Benefits

Outpatient kidney dialysis
門診腎臟透析治療
每保單年度$60,000
Emergency outpatient treatment for Accident
緊急意外門診治療保障
每保單年度$22,000
Emergency dental benefit (Accident only)
緊急意外門診治療保障 — 牙齒治療
每保單年度$22,000
Hospital companion bed fee reimbursement
住院陪床費
每日 $600 每保單年度最多180日
Hospice and palliative care benefit
安寧療護及紓緩護理費
每保單年度$50,000
Isolation ward charges benefit
隔離病房費
每日 $1,200 每保單年度最多180日（所屬病房級別﹕半私家房）
Home nursing
住院後居家看護
每次 $1,200每日1次，於出院後90日每保單年度30次
Health check-up benefit
健康檢查
每保單年度$400
Hospital companion bed fee reimbursement
住院陪床費
每日 $600 每保單年度住院第181日起的合資格費用之80%
Isolation ward charges benefit
隔離病房費
每日 $1,200 每保單年度住院第181日起的合資格費用之80%
Home nursing
住院後居家看護
於出院後90日內第31次探訪開始，超出保障項目2（f）下可賠償合資格費用的80%，每次探訪最多$1,200及每保單年度最多15次探訪

Event Benefits

Medical accident and incident extension benefit
醫療疏忽事故賠償
$30,000
Accidental Death benefit
意外身故賠償
$10,000
Compassionate death benefit
身故保障
$10,000

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$13,850	HK$11,568
1	HK$10,469	HK$8,795
2	HK$10,469	HK$8,795
3	HK$10,469	HK$8,795
4	HK$10,469	HK$8,795
5	HK$10,469	HK$8,795
6	HK$9,276	HK$8,232
7	HK$9,276	HK$8,232
8	HK$9,276	HK$8,232
9	HK$9,276	HK$8,232
10	HK$9,160	HK$8,129
11	HK$9,043	HK$8,025
12	HK$8,927	HK$7,923
13	HK$8,812	HK$7,819
14	HK$8,696	HK$7,717
15	HK$8,696	HK$7,717
16	HK$8,812	HK$8,003
17	HK$8,927	HK$8,254
18	HK$9,043	HK$8,563
19	HK$9,309	HK$8,902
20	HK$9,535	HK$9,222
21	HK$9,661	HK$9,468
22	HK$9,798	HK$9,703
23	HK$9,949	HK$9,949
24	HK$10,114	HK$10,265
25	HK$10,279	HK$10,580
26	HK$10,469	HK$10,924
27	HK$10,650	HK$11,267
28	HK$10,828	HK$11,611
29	HK$11,060	HK$12,037
30	HK$11,321	HK$12,488
31	HK$11,584	HK$12,958
32	HK$11,843	HK$13,435
33	HK$12,105	HK$13,930
34	HK$12,599	HK$14,384
35	HK$13,094	HK$14,864
36	HK$13,601	HK$15,360
37	HK$14,138	HK$15,879
38	HK$14,699	HK$16,402
39	HK$15,441	HK$16,924
40	HK$16,223	HK$17,459
41	HK$17,076	HK$18,036
42	HK$17,941	HK$18,599
43	HK$18,847	HK$19,178
44	HK$19,874	HK$19,874
45	HK$20,960	HK$20,603
46	HK$22,114	HK$21,346
47	HK$23,350	HK$22,141
48	HK$24,626	HK$22,966
49	HK$25,793	HK$23,912
50	HK$26,989	HK$24,917
51	HK$28,238	HK$25,960
52	HK$29,555	HK$27,057
53	HK$30,944	HK$28,198
54	HK$32,468	HK$29,555
55	HK$34,073	HK$30,998
56	HK$35,750	HK$32,508
57	HK$37,522	HK$34,129
58	HK$39,402	HK$35,762
59	HK$41,198	HK$36,627
60	HK$43,081	HK$37,478
61	HK$45,073	HK$38,359
62	HK$47,131	HK$39,264
63	HK$49,329	HK$40,184
64	HK$50,385	HK$41,681
65	HK$51,454	HK$43,204
66	HK$52,582	HK$44,797
67	HK$53,708	HK$46,431
68	HK$54,862	HK$48,149
69	HK$57,719	HK$50,469
70	HK$60,710	HK$52,926
71	HK$63,869	HK$55,493
72	HK$67,179	HK$58,169
73	HK$70,679	HK$61,012
74	HK$74,152	HK$63,828
75	HK$76,248	HK$65,681
76	HK$78,343	HK$69,047
77	HK$80,439	HK$71,860
78	HK$82,534	HK$75,174
79	HK$84,630	HK$78,228
80	HK$86,724	HK$81,250
81	HK$90,071	HK$84,268
82	HK$93,399	HK$87,290
83	HK$96,761	HK$90,311
84	HK$99,905	HK$93,177
85	HK$103,130	HK$96,130
86	HK$106,462	HK$99,149
87	HK$109,929	HK$102,274
88	HK$113,482	HK$105,501
89	HK$116,637	HK$108,367
90	HK$119,882	HK$111,303
91	HK$123,247	HK$114,340
92	HK$126,680	HK$117,428
93	HK$130,215	HK$120,639
94	HK$133,406	HK$123,538
95	HK$136,651	HK$126,473
96	HK$139,999	HK$129,530
97	HK$143,430	HK$132,618
98	HK$146,933	HK$135,811
99	HK$150,450	HK$138,967
100	HK$153,970	HK$142,126

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)
Benefit schedule PDF Premium table PDF

This site's licensed insurance agent can only arrange FWD plans.

Other deductible options in this series

16 deductibles — same benefit schedule, premium scales with deductible

Classic (HKD)

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Classic with Top-up benefit (HKD)

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Ward (HKD)

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Ward with Top-up benefit (HKD)

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Semi-Private (HKD)

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Semi-Private with Top-up benefit (HKD)

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Private (HKD)

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Private with Top-up benefit (HKD)

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Classic (USD)

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Classic with Top-up benefit (USD)

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Ward (USD)

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Ward with Top-up benefit (USD)

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Semi-Private (USD)

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Semi-Private with Top-up benefit (USD)

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Private (USD)

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Private with Top-up benefit (USD)

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Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Oct 1, 2026
Plan data updated: 2026-10-05

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

Plan at a glance

Benefits

Premium Schedule

How to apply for this plan

Other deductible options in this series

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款