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Chubb VHIS - Flexi Plan - Ward (HKD)

安達自願醫保（靈活）計劃 - 普通(港元)

Chubb VHIS - Flexi Plan - Ward (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: Ward, Worldwide (including United States) coverage and HK$600,000 annual benefit limit. Latest plan-document version: Oct 1, 2026.

VHIS FlexiF00027-02-000-03

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: HK$600,000
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 $1,200 每保單年度最多 180 日
(b) Miscellaneous charges (b) 雜項開支	每保單年度$18,000
(c) Attending doctor's visit fee (c) 主診醫生巡房費	每日 $1,200 每保單年度最多 180 日
(d) Specialist's fee (d) 專科醫生費	每保單年度$5,500
(e) Intensive care (e) 深切治療	每日 $5,000 每保單年度最多 90日
Surgeon's fee — Minor 外科醫生費 — 小型	$6,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$15,000
Surgeon's fee — Major 外科醫生費 — 大型	$30,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$60,000
(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 $30,000 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 $80,000
(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$900，每保單年度$4,500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 $40,000
Extra Benefits
Outpatient kidney dialysis 門診腎臟透析治療	每保單年度$30,000
Emergency outpatient treatment for Accident 緊急意外門診治療保障	每保單年度$15,000
Emergency dental benefit (Accident only) 緊急意外門診治療保障 — 牙齒治療	每保單年度$15,000
Hospital companion bed fee reimbursement 住院陪床費	每日 $400 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$30,000
Isolation ward charges benefit 隔離病房費	每日 $600 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 $800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$250
Event Benefits
Medical accident and incident extension benefit 醫療疏忽事故賠償	$10,000
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 $1,200 每保單年度最多 180 日
(b) Miscellaneous charges
(b) 雜項開支
每保單年度$18,000
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
每日 $1,200 每保單年度最多 180 日
(d) Specialist's fee
(d) 專科醫生費
每保單年度$5,500
(e) Intensive care
(e) 深切治療
每日 $5,000 每保單年度最多 90日
Surgeon's fee — Minor
外科醫生費 — 小型
$6,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$15,000
Surgeon's fee — Major
外科醫生費 — 大型
$30,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$60,000
(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 $30,000 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 $80,000
(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$900，每保單年度$4,500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 $40,000

Extra Benefits

Outpatient kidney dialysis
門診腎臟透析治療
每保單年度$30,000
Emergency outpatient treatment for Accident
緊急意外門診治療保障
每保單年度$15,000
Emergency dental benefit (Accident only)
緊急意外門診治療保障 — 牙齒治療
每保單年度$15,000
Hospital companion bed fee reimbursement
住院陪床費
每日 $400 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$30,000
Isolation ward charges benefit
隔離病房費
每日 $600 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 $800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$250

Event Benefits

Medical accident and incident extension benefit
醫療疏忽事故賠償
$10,000
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$7,731	HK$6,553
1	HK$6,974	HK$5,879
2	HK$6,974	HK$5,879
3	HK$6,974	HK$5,879
4	HK$6,974	HK$5,879
5	HK$6,974	HK$5,879
6	HK$4,885	HK$4,478
7	HK$4,885	HK$4,478
8	HK$4,885	HK$4,478
9	HK$4,885	HK$4,478
10	HK$4,825	HK$4,419
11	HK$4,764	HK$4,364
12	HK$4,702	HK$4,308
13	HK$4,642	HK$4,252
14	HK$4,580	HK$4,196
15	HK$4,580	HK$4,196
16	HK$4,616	HK$4,398
17	HK$4,756	HK$4,642
18	HK$4,918	HK$4,909
19	HK$5,041	HK$5,141
20	HK$5,185	HK$5,438
21	HK$5,247	HK$5,628
22	HK$5,329	HK$5,879
23	HK$5,390	HK$6,110
24	HK$5,491	HK$6,359
25	HK$5,592	HK$6,591
26	HK$5,735	HK$6,859
27	HK$5,815	HK$7,090
28	HK$5,899	HK$7,359
29	HK$6,061	HK$7,628
30	HK$6,183	HK$7,896
31	HK$6,326	HK$8,127
32	HK$6,449	HK$8,417
33	HK$6,591	HK$8,704
34	HK$6,794	HK$8,974
35	HK$6,957	HK$9,204
36	HK$7,121	HK$9,493
37	HK$7,345	HK$9,741
38	HK$7,548	HK$10,069
39	HK$7,874	HK$10,379
40	HK$8,241	HK$10,704
41	HK$8,607	HK$11,069
42	HK$8,995	HK$11,416
43	HK$9,443	HK$11,800
44	HK$9,912	HK$12,127
45	HK$10,402	HK$12,530
46	HK$10,931	HK$12,916
47	HK$11,442	HK$13,318
48	HK$12,030	HK$13,723
49	HK$12,601	HK$14,089
50	HK$13,256	HK$14,433
51	HK$13,906	HK$14,837
52	HK$14,621	HK$15,222
53	HK$15,352	HK$15,626
54	HK$16,006	HK$16,126
55	HK$16,739	HK$16,681
56	HK$17,451	HK$17,240
57	HK$18,206	HK$17,817
58	HK$19,020	HK$18,412
59	HK$19,653	HK$18,969
60	HK$20,325	HK$19,548
61	HK$21,037	HK$20,125
62	HK$21,709	HK$20,740
63	HK$22,465	HK$21,393
64	HK$23,342	HK$22,045
65	HK$24,216	HK$22,660
66	HK$25,133	HK$23,373
67	HK$26,070	HK$24,102
68	HK$27,069	HK$24,852
69	HK$28,311	HK$26,218
70	HK$29,635	HK$27,661
71	HK$30,960	HK$29,715
72	HK$32,407	HK$30,849
73	HK$33,897	HK$32,502
74	HK$35,159	HK$33,924
75	HK$36,483	HK$35,425
76	HK$37,890	HK$36,963
77	HK$39,274	HK$38,538
78	HK$40,741	HK$40,211
79	HK$42,128	HK$41,787
80	HK$43,472	HK$43,326
81	HK$44,858	HK$44,844
82	HK$46,224	HK$46,400
83	HK$47,568	HK$47,939
84	HK$48,873	HK$49,401
85	HK$50,217	HK$50,879
86	HK$51,582	HK$52,435
87	HK$52,989	HK$53,994
88	HK$54,456	HK$55,629
89	HK$55,718	HK$57,088
90	HK$57,084	HK$58,588
91	HK$58,408	HK$60,145
92	HK$59,855	HK$61,704
93	HK$61,279	HK$63,356
94	HK$62,583	HK$64,817
95	HK$63,928	HK$66,316
96	HK$65,297	HK$67,834
97	HK$66,700	HK$69,429
98	HK$68,126	HK$71,027
99	HK$69,533	HK$72,659
100	HK$70,939	HK$74,292

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 - Ward (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