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VHIS Flexi · F00027-03-000-03

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

安達自願醫保（靈活）計劃 - 半私家(港元)

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$7,123 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

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	$2,500 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$26,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$2,500 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$12,000 per Policy Year
(e) Intensive care (e) 深切治療	$7,500 per day, maximum 90 days per Policy Year
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	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$45,000 per Policy Year. Subject to 20% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$110,000 per Policy Year
(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	$1,200, per visit, $6,500 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case ProcedurePre-admission covers: consultation, prescribed western medication or diagnostic testPost-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic testPost-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
(l) Psychiatric treatments (l) 精神科治療	$60,000 per Policy Year
Extra Benefits
Outpatient kidney dialysis 門診腎臟透析治療	$60,000 per Policy Year
Emergency outpatient treatment for Accident 緊急意外門診治療保障 — 急症門診	$22,000 per Policy Year within 24 hours of the Accident
Emergency dental benefit (Accident only) 緊急意外門診治療保障 — 牙齒治療	$5,000 per Policy Year, within 31 days of the Accident
Hospital companion bed fee reimbursement 住院陪床費	$600 per day, maximum 180 days per Policy Year
Hospice and palliative care benefit 安寧療護及紓緩護理費	$50,000 per Policy Year
Isolation ward charges benefit 隔離病房費	$1,200 per day, maximum 180 days per Policy Year (ward class: Semi-Private Room)
Daily post-surgery home nursing benefit 住院後居家看護	$1,200 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy Year
Health check-up benefit 健康檢查	$400 per Policy Year
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
$2,500 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$26,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$2,500 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$12,000 per Policy Year
(e) Intensive care
(e) 深切治療
$7,500 per day, maximum 90 days per Policy Year
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
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$45,000 per Policy Year. Subject to 20% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$110,000 per Policy Year
(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
$1,200, per visit, $6,500 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case ProcedurePre-admission covers: consultation, prescribed western medication or diagnostic testPost-discharge covers: consultation, prescribed western medication, dressings, physiotherapy, occupational therapy, speech therapy or diagnostic testPost-discharge follow-ups must be provided or recommended in writing by the attending Registered Medical Practitioner
(l) Psychiatric treatments
(l) 精神科治療
$60,000 per Policy Year

Extra Benefits

Outpatient kidney dialysis
門診腎臟透析治療
$60,000 per Policy Year
Emergency outpatient treatment for Accident
緊急意外門診治療保障 — 急症門診
$22,000 per Policy Year within 24 hours of the Accident
Emergency dental benefit (Accident only)
緊急意外門診治療保障 — 牙齒治療
$5,000 per Policy Year, within 31 days of the Accident
Hospital companion bed fee reimbursement
住院陪床費
$600 per day, maximum 180 days per Policy Year
Hospice and palliative care benefit
安寧療護及紓緩護理費
$50,000 per Policy Year
Isolation ward charges benefit
隔離病房費
$1,200 per day, maximum 180 days per Policy Year (ward class: Semi-Private Room)
Daily post-surgery home nursing benefit
住院後居家看護
$1,200 per visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy Year
Health check-up benefit
健康檢查
$400 per Policy Year

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$8,396	HK$6,749
1	HK$7,773	HK$6,649
2	HK$7,773	HK$6,649
3	HK$7,773	HK$6,649
4	HK$7,773	HK$6,649
5	HK$7,773	HK$6,649
6	HK$5,812	HK$5,287
7	HK$5,812	HK$5,287
8	HK$5,812	HK$5,287
9	HK$5,812	HK$5,287
10	HK$5,738	HK$5,222
11	HK$5,666	HK$5,156
12	HK$5,594	HK$5,089
13	HK$5,521	HK$5,024
14	HK$5,448	HK$4,957
15	HK$5,448	HK$4,957
16	HK$5,521	HK$5,165
17	HK$5,606	HK$5,390
18	HK$5,679	HK$5,605
19	HK$5,813	HK$5,912
20	HK$5,975	HK$6,200
21	HK$6,049	HK$6,462
22	HK$6,136	HK$6,713
23	HK$6,200	HK$6,986
24	HK$6,324	HK$7,235
25	HK$6,423	HK$7,472
26	HK$6,525	HK$7,733
27	HK$6,649	HK$7,996
28	HK$6,773	HK$8,296
29	HK$6,948	HK$8,608
30	HK$7,123	HK$8,933
31	HK$7,323	HK$9,270
32	HK$7,510	HK$9,633
33	HK$7,733	HK$9,992
34	HK$8,048	HK$10,317
35	HK$8,370	HK$10,655
36	HK$8,696	HK$10,992
37	HK$9,058	HK$11,365
38	HK$9,408	HK$11,742
39	HK$9,707	HK$12,065
40	HK$10,007	HK$12,428
41	HK$10,332	HK$12,813
42	HK$10,655	HK$13,189
43	HK$10,980	HK$13,587
44	HK$11,555	HK$13,987
45	HK$12,152	HK$14,425
46	HK$12,789	HK$14,874
47	HK$13,451	HK$15,349
48	HK$14,152	HK$15,809
49	HK$14,863	HK$16,334
50	HK$15,598	HK$16,834
51	HK$16,410	HK$17,383
52	HK$17,245	HK$17,933
53	HK$18,119	HK$18,494
54	HK$18,768	HK$19,145
55	HK$19,454	HK$19,817
56	HK$20,142	HK$20,528
57	HK$20,879	HK$21,253
58	HK$21,628	HK$22,001
59	HK$22,638	HK$22,738
60	HK$23,688	HK$23,512
61	HK$24,786	HK$24,286
62	HK$25,957	HK$25,110
63	HK$27,158	HK$25,971
64	HK$28,405	HK$27,181
65	HK$29,715	HK$28,505
66	HK$31,091	HK$30,140
67	HK$32,500	HK$31,289
68	HK$34,009	HK$32,785
69	HK$36,158	HK$35,332
70	HK$38,428	HK$37,903
71	HK$40,862	HK$40,463
72	HK$43,432	HK$42,136
73	HK$46,180	HK$43,795
74	HK$48,378	HK$45,805
75	HK$50,710	HK$47,916
76	HK$53,133	HK$50,361
77	HK$55,679	HK$52,409
78	HK$58,352	HK$54,818
79	HK$60,771	HK$57,040
80	HK$63,220	HK$59,236
81	HK$65,653	HK$61,433
82	HK$68,075	HK$63,630
83	HK$70,521	HK$65,826
84	HK$72,805	HK$67,912
85	HK$75,152	HK$70,059
86	HK$77,572	HK$72,255
87	HK$80,095	HK$74,529
88	HK$82,679	HK$76,874
89	HK$84,975	HK$78,958
90	HK$87,335	HK$81,093
91	HK$89,780	HK$83,302
92	HK$92,277	HK$85,550
93	HK$94,849	HK$87,884
94	HK$97,168	HK$89,994
95	HK$99,529	HK$92,128
96	HK$101,963	HK$94,349
97	HK$104,460	HK$96,597
98	HK$107,007	HK$98,918
99	HK$109,565	HK$101,215
100	HK$112,124	HK$103,511

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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Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Apr 1, 2025
Last verified: 2026-04-25

Terms and premiums on this page reflect the latest documents published by each insurer and the Insurance Authority's VHIS platform. In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.