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VHIS Flexi · F00027-07-000-03

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

安達自願醫保（靈活）計劃 - 半私家(美元)

Chubb Life Insurance Hong Kong Limited

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Your premium

US$913 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

US$102,564

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	$321 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$3,333 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$321 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$1,538 per Policy Year
(e) Intensive care (e) 深切治療	$962 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$1,026
Surgeon's fee — Intermediate 外科醫生費 — 中型	$2,564
Surgeon's fee — Major 外科醫生費 — 大型	$5,128
Surgeon's fee — Complex 外科醫生費 — 複雜	$9,615
(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	$5,769 per Policy Year. Subject to 20% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$14,103 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	$154, per visit, $833 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	$7,692 per Policy Year
Extra Benefits
Outpatient kidney dialysis 門診腎臟透析治療	$7,692 per Policy Year
Emergency outpatient treatment for Accident 緊急意外門診治療保障 — 急症門診	$2,821 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	$77 per day, maximum 180 days per Policy Year
Hospice and palliative care benefit 安寧療護及紓緩護理費	$6,410 per Policy Year
Isolation ward charges benefit 隔離病房費	$154 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	$154 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	$51 per Policy Year
Event Benefits
Medical accident and incident extension benefit 醫療疏忽事故賠償	$3,846
Accidental Death benefit 意外身故賠償	$1,282
Compassionate death benefit 身故保障	$1,282

Basic Benefits

(a) Room and board
(a) 病房及膳食
$321 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$3,333 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$321 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$1,538 per Policy Year
(e) Intensive care
(e) 深切治療
$962 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$1,026
Surgeon's fee — Intermediate
外科醫生費 — 中型
$2,564
Surgeon's fee — Major
外科醫生費 — 大型
$5,128
Surgeon's fee — Complex
外科醫生費 — 複雜
$9,615
(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
$5,769 per Policy Year. Subject to 20% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$14,103 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
$154, per visit, $833 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
$7,692 per Policy Year

Extra Benefits

Outpatient kidney dialysis
門診腎臟透析治療
$7,692 per Policy Year
Emergency outpatient treatment for Accident
緊急意外門診治療保障 — 急症門診
$2,821 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
$77 per day, maximum 180 days per Policy Year
Hospice and palliative care benefit
安寧療護及紓緩護理費
$6,410 per Policy Year
Isolation ward charges benefit
隔離病房費
$154 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
$154 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
$51 per Policy Year

Event Benefits

Medical accident and incident extension benefit
醫療疏忽事故賠償
$3,846
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$1,076	US$865
1	US$997	US$852
2	US$997	US$852
3	US$997	US$852
4	US$997	US$852
5	US$997	US$852
6	US$745	US$678
7	US$745	US$678
8	US$745	US$678
9	US$745	US$678
10	US$736	US$669
11	US$726	US$661
12	US$717	US$652
13	US$708	US$644
14	US$698	US$636
15	US$698	US$636
16	US$708	US$662
17	US$719	US$691
18	US$728	US$719
19	US$745	US$758
20	US$766	US$795
21	US$776	US$828
22	US$787	US$861
23	US$795	US$896
24	US$811	US$928
25	US$823	US$958
26	US$837	US$991
27	US$852	US$1,025
28	US$868	US$1,064
29	US$891	US$1,104
30	US$913	US$1,145
31	US$939	US$1,188
32	US$963	US$1,235
33	US$991	US$1,281
34	US$1,032	US$1,323
35	US$1,073	US$1,366
36	US$1,115	US$1,409
37	US$1,161	US$1,457
38	US$1,206	US$1,505
39	US$1,244	US$1,547
40	US$1,283	US$1,593
41	US$1,325	US$1,643
42	US$1,366	US$1,691
43	US$1,408	US$1,742
44	US$1,481	US$1,793
45	US$1,558	US$1,849
46	US$1,640	US$1,907
47	US$1,724	US$1,968
48	US$1,814	US$2,027
49	US$1,906	US$2,094
50	US$2,000	US$2,158
51	US$2,104	US$2,229
52	US$2,211	US$2,299
53	US$2,323	US$2,371
54	US$2,406	US$2,454
55	US$2,494	US$2,541
56	US$2,582	US$2,632
57	US$2,677	US$2,725
58	US$2,773	US$2,821
59	US$2,902	US$2,915
60	US$3,037	US$3,014
61	US$3,178	US$3,114
62	US$3,328	US$3,219
63	US$3,482	US$3,330
64	US$3,642	US$3,485
65	US$3,810	US$3,654
66	US$3,986	US$3,864
67	US$4,167	US$4,011
68	US$4,360	US$4,203
69	US$4,636	US$4,530
70	US$4,927	US$4,859
71	US$5,239	US$5,188
72	US$5,568	US$5,402
73	US$5,921	US$5,615
74	US$6,202	US$5,872
75	US$6,501	US$6,143
76	US$6,812	US$6,457
77	US$7,138	US$6,719
78	US$7,481	US$7,028
79	US$7,791	US$7,313
80	US$8,105	US$7,594
81	US$8,417	US$7,876
82	US$8,728	US$8,158
83	US$9,041	US$8,439
84	US$9,334	US$8,707
85	US$9,635	US$8,982
86	US$9,945	US$9,263
87	US$10,269	US$9,555
88	US$10,600	US$9,856
89	US$10,894	US$10,123
90	US$11,197	US$10,397
91	US$11,510	US$10,680
92	US$11,830	US$10,968
93	US$12,160	US$11,267
94	US$12,457	US$11,538
95	US$12,760	US$11,811
96	US$13,072	US$12,096
97	US$13,392	US$12,384
98	US$13,719	US$12,682
99	US$14,047	US$12,976
100	US$14,375	US$13,271

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)

Current page

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.