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

安達自願醫保（靈活）計劃 - 半私家(港元)

Chubb VHIS - Flexi Plan - Semi-Private (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, Worldwide (including United States) coverage and HK$800,000 annual benefit limit. Latest plan-document version: Oct 1, 2026.

VHIS FlexiF00027-03-000-03

Plan at a glance

Ward class: Basic and extra: No ward-class restriction; Isolation-room benefit: 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: —

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
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
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

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

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$9,235	HK$7,423
1	HK$8,550	HK$7,313
2	HK$8,550	HK$7,313
3	HK$8,550	HK$7,313
4	HK$8,550	HK$7,313
5	HK$8,550	HK$7,313
6	HK$6,393	HK$5,815
7	HK$6,393	HK$5,815
8	HK$6,393	HK$5,815
9	HK$6,393	HK$5,815
10	HK$6,311	HK$5,744
11	HK$6,232	HK$5,671
12	HK$6,153	HK$5,597
13	HK$6,073	HK$5,526
14	HK$5,992	HK$5,452
15	HK$5,992	HK$5,452
16	HK$6,073	HK$5,681
17	HK$6,166	HK$5,929
18	HK$6,246	HK$6,165
19	HK$6,394	HK$6,503
20	HK$6,572	HK$6,820
21	HK$6,653	HK$7,108
22	HK$6,749	HK$7,384
23	HK$6,820	HK$7,684
24	HK$6,956	HK$7,958
25	HK$7,065	HK$8,219
26	HK$7,177	HK$8,506
27	HK$7,313	HK$8,795
28	HK$7,450	HK$9,125
29	HK$7,642	HK$9,468
30	HK$7,835	HK$9,826
31	HK$8,055	HK$10,197
32	HK$8,261	HK$10,596
33	HK$8,506	HK$10,991
34	HK$8,852	HK$11,348
35	HK$9,207	HK$11,720
36	HK$9,565	HK$12,091
37	HK$9,963	HK$12,501
38	HK$10,348	HK$12,916
39	HK$10,677	HK$13,271
40	HK$11,007	HK$13,670
41	HK$11,365	HK$14,094
42	HK$11,720	HK$14,507
43	HK$12,078	HK$14,945
44	HK$12,710	HK$15,385
45	HK$13,367	HK$15,867
46	HK$14,067	HK$16,361
47	HK$14,796	HK$16,883
48	HK$15,567	HK$17,389
49	HK$16,349	HK$17,967
50	HK$17,157	HK$18,517
51	HK$18,051	HK$19,121
52	HK$18,969	HK$19,726
53	HK$19,930	HK$20,343
54	HK$20,644	HK$21,059
55	HK$21,399	HK$21,798
56	HK$22,156	HK$22,580
57	HK$22,966	HK$23,378
58	HK$23,790	HK$24,201
59	HK$24,901	HK$25,011
60	HK$26,056	HK$25,863
61	HK$27,264	HK$26,714
62	HK$28,552	HK$27,621
63	HK$29,873	HK$28,568
64	HK$31,245	HK$29,899
65	HK$32,686	HK$31,355
66	HK$34,200	HK$33,154
67	HK$35,750	HK$34,417
68	HK$37,409	HK$36,063
69	HK$39,773	HK$38,865
70	HK$42,270	HK$41,693
71	HK$44,948	HK$44,509
72	HK$47,775	HK$46,349
73	HK$50,798	HK$48,174
74	HK$53,215	HK$50,385
75	HK$55,781	HK$52,707
76	HK$58,446	HK$55,397
77	HK$61,246	HK$57,649
78	HK$64,187	HK$60,299
79	HK$66,848	HK$62,744
80	HK$69,542	HK$65,159
81	HK$72,218	HK$67,576
82	HK$74,882	HK$69,993
83	HK$77,573	HK$72,408
84	HK$80,085	HK$74,703
85	HK$82,667	HK$77,064
86	HK$85,329	HK$79,480
87	HK$88,104	HK$81,981
88	HK$90,946	HK$84,561
89	HK$93,472	HK$86,853
90	HK$96,068	HK$89,202
91	HK$98,758	HK$91,632
92	HK$101,504	HK$94,105
93	HK$104,333	HK$96,672
94	HK$106,884	HK$98,993
95	HK$109,481	HK$101,340
96	HK$112,159	HK$103,783
97	HK$114,906	HK$106,256
98	HK$117,707	HK$108,809
99	HK$120,521	HK$111,336
100	HK$123,336	HK$113,862

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)

Current page

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 (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