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VHIS Flexi · F00027-03-001-03

Chubb VHIS - Flexi Plan - Semi-Private with Top-up benefit (HKD)

安達自願醫保（靈活）計劃 - 半私家及附加額外保障(港元)

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$10,292 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$800,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

HK$250,000

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
Hospital companion bed fee reimbursement 住院陪床費	$600 per day; 80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy Year
Isolation ward charges benefit 隔離病房費	$1,200 per day; 80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy Year
Daily post-surgery home nursing benefit 住院後居家看護	Starting from the 31th visit within 90 days after discharge from Hospital, 80% of Eligible Expenses in excess of the benefit limit under benefit item 2 (f), up to $1,200 per visit and maximum 15 visits 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
Hospital companion bed fee reimbursement
住院陪床費
$600 per day; 80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy Year
Isolation ward charges benefit
隔離病房費
$1,200 per day; 80% of Eligible Expenses incurred starting from the 181st day of Confinement per Policy Year
Daily post-surgery home nursing benefit
住院後居家看護
Starting from the 31th visit within 90 days after discharge from Hospital, 80% of Eligible Expenses in excess of the benefit limit under benefit item 2 (f), up to $1,200 per visit and maximum 15 visits 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$12,591	HK$10,517
1	HK$9,518	HK$7,996
2	HK$9,518	HK$7,996
3	HK$9,518	HK$7,996
4	HK$9,518	HK$7,996
5	HK$9,518	HK$7,996
6	HK$8,433	HK$7,484
7	HK$8,433	HK$7,484
8	HK$8,433	HK$7,484
9	HK$8,433	HK$7,484
10	HK$8,328	HK$7,390
11	HK$8,221	HK$7,296
12	HK$8,116	HK$7,203
13	HK$8,011	HK$7,109
14	HK$7,906	HK$7,016
15	HK$7,906	HK$7,016
16	HK$8,011	HK$7,276
17	HK$8,116	HK$7,504
18	HK$8,221	HK$7,785
19	HK$8,463	HK$8,093
20	HK$8,669	HK$8,384
21	HK$8,783	HK$8,608
22	HK$8,908	HK$8,821
23	HK$9,045	HK$9,045
24	HK$9,195	HK$9,332
25	HK$9,345	HK$9,619
26	HK$9,518	HK$9,931
27	HK$9,682	HK$10,243
28	HK$9,844	HK$10,556
29	HK$10,055	HK$10,943
30	HK$10,292	HK$11,353
31	HK$10,531	HK$11,780
32	HK$10,767	HK$12,214
33	HK$11,005	HK$12,664
34	HK$11,454	HK$13,077
35	HK$11,904	HK$13,513
36	HK$12,365	HK$13,964
37	HK$12,853	HK$14,436
38	HK$13,363	HK$14,911
39	HK$14,038	HK$15,386
40	HK$14,749	HK$15,872
41	HK$15,524	HK$16,397
42	HK$16,310	HK$16,909
43	HK$17,134	HK$17,435
44	HK$18,068	HK$18,068
45	HK$19,055	HK$18,730
46	HK$20,104	HK$19,406
47	HK$21,228	HK$20,129
48	HK$22,388	HK$20,879
49	HK$23,449	HK$21,739
50	HK$24,536	HK$22,652
51	HK$25,671	HK$23,600
52	HK$26,869	HK$24,598
53	HK$28,131	HK$25,635
54	HK$29,517	HK$26,869
55	HK$30,976	HK$28,180
56	HK$32,500	HK$29,553
57	HK$34,111	HK$31,027
58	HK$35,820	HK$32,511
59	HK$37,453	HK$33,298
60	HK$39,165	HK$34,071
61	HK$40,976	HK$34,872
62	HK$42,847	HK$35,695
63	HK$44,845	HK$36,531
64	HK$45,805	HK$37,892
65	HK$46,777	HK$39,277
66	HK$47,802	HK$40,725
67	HK$48,826	HK$42,210
68	HK$49,875	HK$43,772
69	HK$52,472	HK$45,881
70	HK$55,191	HK$48,115
71	HK$58,063	HK$50,449
72	HK$61,072	HK$52,881
73	HK$64,254	HK$55,466
74	HK$67,411	HK$58,026
75	HK$69,317	HK$59,710
76	HK$71,221	HK$62,770
77	HK$73,127	HK$65,328
78	HK$75,031	HK$68,340
79	HK$76,937	HK$71,117
80	HK$78,840	HK$73,864
81	HK$81,883	HK$76,608
82	HK$84,909	HK$79,355
83	HK$87,965	HK$82,101
84	HK$90,823	HK$84,707
85	HK$93,755	HK$87,391
86	HK$96,784	HK$90,136
87	HK$99,936	HK$92,977
88	HK$103,166	HK$95,910
89	HK$106,034	HK$98,516
90	HK$108,984	HK$101,185
91	HK$112,043	HK$103,946
92	HK$115,164	HK$106,753
93	HK$118,378	HK$109,672
94	HK$121,279	HK$112,308
95	HK$124,229	HK$114,976
96	HK$127,272	HK$117,755
97	HK$130,391	HK$120,562
98	HK$133,576	HK$123,465
99	HK$136,773	HK$126,334
100	HK$139,973	HK$129,206

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.