Chubb VHIS - Flexi Plan - Classic (USD)
安達自願醫保（靈活）計劃 - 基本(美元)
Chubb Life Insurance Hong Kong Limited
Chubb VHIS - Flexi Plan - Classic (USD) 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 US$64,103 annual benefit limit. Latest plan-document version: Oct 1, 2026.
Your premium
US$675 /yr
Plan at a glance
- Ward class
- Basic and extra: No ward-class restriction; Isolation-room benefit: Ward
- Coverage region
- Worldwide (including United States)
- Deductible
- —
- Annual benefit limit
- US$64,103
- 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 $109 每保單年度最多 180 日 |
(b) Miscellaneous charges (b) 雜項開支 | 每保單年度$1,795 |
(c) Attending doctor's visit fee (c) 主診醫生巡房費 | 每日 $109 每保單年度最多 180 日 |
(d) Specialist's fee (d) 專科醫生費 | 每保單年度$551 |
(e) Intensive care (e) 深切治療 | 每日 $449 每保單年度最多 90日 |
Surgeon's fee — Minor 外科醫生費 — 小型 | $ 641 |
Surgeon's fee — Intermediate 外科醫生費 — 中型 | $1,603 |
Surgeon's fee — Major 外科醫生費 — 大型 | $3,205 |
Surgeon's fee — Complex 外科醫生費 — 複雜 | $6,410 |
(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 $2,564 設 30% 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 $10,256 |
(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$90，每保單年度$449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 $3,846 |
| Extra Benefits | |
Outpatient kidney dialysis 門診腎臟透析治療 | 每保單年度$1,282 |
Emergency outpatient treatment for Accident 緊急意外門診治療保障 | 每保單年度$641 |
Emergency dental benefit (Accident only) 緊急意外門診治療保障 — 牙齒治療 | 每保單年度$641 |
Hospital companion bed fee reimbursement 住院陪床費 | 每日 $51 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$1,923 |
Isolation ward charges benefit 隔離病房費 | 每日 $58 每保單年度最多180日 （所屬病房級別﹕基本/普通房） |
Home nursing 住院後居家看護 | 每次 $64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$32 |
| Event Benefits | |
Medical accident and incident extension benefit 醫療疏忽事故賠償 | $1,282 |
Accidental Death benefit 意外身故賠償 | $1,282 |
Compassionate death benefit 身故保障 | $1,282 |
- (a) Room and board(a) 病房及膳食每日 $109 每保單年度最多 180 日
- (b) Miscellaneous charges(b) 雜項開支每保單年度$1,795
- (c) Attending doctor's visit fee(c) 主診醫生巡房費每日 $109 每保單年度最多 180 日
- (d) Specialist's fee(d) 專科醫生費每保單年度$551
- (e) Intensive care(e) 深切治療每日 $449 每保單年度最多 90日
- Surgeon's fee — Minor外科醫生費 — 小型$ 641
- Surgeon's fee — Intermediate外科醫生費 — 中型$1,603
- Surgeon's fee — Major外科醫生費 — 大型$3,205
- Surgeon's fee — Complex外科醫生費 — 複雜$6,410
- (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 $2,564 設 30% 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 $10,256
- (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$90，每保單年度$449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 $3,846
- Outpatient kidney dialysis門診腎臟透析治療每保單年度$1,282
- Emergency outpatient treatment for Accident緊急意外門診治療保障每保單年度$641
- Emergency dental benefit (Accident only)緊急意外門診治療保障 — 牙齒治療每保單年度$641
- Hospital companion bed fee reimbursement住院陪床費每日 $51 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$1,923
- Isolation ward charges benefit隔離病房費每日 $58 每保單年度最多180日 （所屬病房級別﹕基本/普通房）
- Home nursing住院後居家看護每次 $64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$32
- Medical accident and incident extension benefit醫療疏忽事故賠償$1,282
- Accidental Death benefit意外身故賠償$1,282
- Compassionate death benefit身故保障$1,282
Premium Schedule
Annual premium · Premium varies by gender (smoking-agnostic) · USD
| Age | Male | Female |
|---|---|---|
| 0 | US$839 | US$708 |
| 5 | US$776 | US$664 |
| 10 | US$553 | US$495 |
| 15 | US$525 | US$470 |
| 20 | US$569 | US$591 |
| 25 | US$612 | US$712 |
| 30 | US$675 | US$850 |
| 35 | US$757 | US$988 |
| 40 | US$894 | US$1,146 |
| 45 | US$1,123 | US$1,338 |
| 50 | US$1,427 | US$1,538 |
| 55 | US$1,797 | US$1,775 |
| 60 | US$2,178 | US$2,077 |
| 65 | US$2,592 | US$2,405 |
| 70 | US$3,168 | US$2,931 |
| 75 | US$3,896 | US$3,749 |
| 80 | US$4,639 | US$4,581 |
| 85 | US$5,356 | US$5,377 |
| 90 | US$6,086 | US$6,188 |
| 95 | US$6,814 | US$7,002 |
| 100 | US$7,559 | US$7,842 |
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.
Other deductible options in this series
16 deductibles — same benefit schedule, premium scales with deductible
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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