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

安達自願醫保（靈活）計劃 - 普通及附加額外保障(美元)

Chubb Life Insurance Hong Kong Limited

Chubb VHIS - Flexi Plan - Ward with Top-up benefit (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; SMM: Ward, Worldwide (including United States) coverage and US$76,923 annual benefit limit. Latest plan-document version: Oct 1, 2026.

VHIS FlexiF00027-06-001-03

Your premium

US$922 /yr

age
US$
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Plan at a glance

Ward class
Basic and extra: No ward-class restriction; Isolation-room benefit: Ward; SMM: Ward
Coverage region
Worldwide (including United States)
Deductible
—
Annual benefit limit
US$76,923
Per-illness annual limit
—
Lifetime benefit limit
No cap
SMM Supplemental Major Medical
US$181,154／per policy year, 20% coinsurance

Benefits

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

Basic Benefits
  • (a) Room and board
    (a) 病房及膳食
    每日 $154 每保單年度最多 180 日
  • (b) Miscellaneous charges
    (b) 雜項開支
    每保單年度$2,308
  • (c) Attending doctor's visit fee
    (c) 主診醫生巡房費
    每日 $154 每保單年度最多 180 日
  • (d) Specialist's fee
    (d) 專科醫生費
    每保單年度$705
  • (e) Intensive care
    (e) 深切治療
    每日 $641 每保單年度最多 90日
  •     Surgeon's fee — Minor
    外科醫生費 — 小型
    $769
  •     Surgeon's fee — Intermediate
    外科醫生費 — 中型
    $1,923
  •     Surgeon's fee — Major
    外科醫生費 — 大型
    $3,846
  •     Surgeon's fee — Complex
    外科醫生費 — 複雜
    $7,692
  • (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 $3,846 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 $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$115，每保單年度$577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 $5,128
  • Room and board
    (a) 病房及膳食
    每日 $154 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 $154 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 $641 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$115及每保單年度最多$577
Extra Benefits
  • Outpatient kidney dialysis
    門診腎臟透析治療
    每保單年度$3,846
  • Emergency outpatient treatment for Accident
    緊急意外門診治療保障
    每保單年度$1,923
  • Emergency dental benefit (Accident only)
    緊急意外門診治療保障 — 牙齒治療
    每保單年度$1,923
  • 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$3,846
  • Isolation ward charges benefit
    隔離病房費
    每日 $77 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 $103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
  • Hospital companion bed fee reimbursement
    住院陪床費
    每日 $51 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 $77 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$103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
    $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

AgeMaleFemale
0US$1,137US$1,137
5US$1,035US$996
10US$747US$797
15US$709US$757
20US$768US$917
25US$831US$1,043
30US$922US$1,210
35US$1,082US$1,404
40US$1,324US$1,624
45US$1,630US$1,910
50US$2,137US$2,273
55US$2,682US$2,645
60US$3,221US$3,087
65US$3,767US$3,666
70US$4,590US$4,524
75US$5,799US$5,651
80US$6,915US$6,917
85US$7,992US$8,128
90US$9,088US$9,363
95US$10,181US$10,602
100US$11,300US$11,880

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 PDFPremium 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)

View details →

Classic with Top-up benefit (HKD)

View details →

Ward (HKD)

View details →

Ward with Top-up benefit (HKD)

View details →

Semi-Private (HKD)

View details →

Semi-Private with Top-up benefit (HKD)

View details →

Private (HKD)

View details →

Private with Top-up benefit (HKD)

View details →

Classic (USD)

View details →

Classic with Top-up benefit (USD)

View details →

Ward (USD)

View details →

Ward with Top-up benefit (USD)

Current page

Semi-Private (USD)

View details →

Semi-Private with Top-up benefit (USD)

View details →

Private (USD)

View details →

Private with Top-up benefit (USD)

View details →

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