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VHIS Flexi · F00027-07-001-03

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

安達自願醫保（靈活）計劃 - 半私家及附加額外保障(美元)

Chubb Life Insurance Hong Kong Limited

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Your premium

US$1,319 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

US$102,564

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

US$251,600

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
Supplementary Major Medical Benefit 額外醫療保障	US$32,051 per Policy Year; subject to 30% Coinsurance (70% reimbursement rate)
Hospital companion bed fee reimbursement 住院陪床費	$77 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	$154 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 $154 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	$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
Supplementary Major Medical Benefit
額外醫療保障
US$32,051 per Policy Year; subject to 30% Coinsurance (70% reimbursement rate)
Hospital companion bed fee reimbursement
住院陪床費
$77 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
$154 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 $154 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
$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$1,614	US$1,348
1	US$1,220	US$1,025
2	US$1,220	US$1,025
3	US$1,220	US$1,025
4	US$1,220	US$1,025
5	US$1,220	US$1,025
6	US$1,081	US$959
7	US$1,081	US$959
8	US$1,081	US$959
9	US$1,081	US$959
10	US$1,068	US$947
11	US$1,054	US$935
12	US$1,041	US$923
13	US$1,027	US$911
14	US$1,014	US$899
15	US$1,014	US$899
16	US$1,027	US$933
17	US$1,041	US$962
18	US$1,054	US$998
19	US$1,085	US$1,038
20	US$1,111	US$1,075
21	US$1,126	US$1,104
22	US$1,142	US$1,131
23	US$1,160	US$1,160
24	US$1,179	US$1,196
25	US$1,198	US$1,233
26	US$1,220	US$1,273
27	US$1,241	US$1,313
28	US$1,262	US$1,353
29	US$1,289	US$1,403
30	US$1,319	US$1,456
31	US$1,350	US$1,510
32	US$1,380	US$1,566
33	US$1,411	US$1,624
34	US$1,468	US$1,677
35	US$1,526	US$1,732
36	US$1,585	US$1,790
37	US$1,648	US$1,851
38	US$1,713	US$1,912
39	US$1,800	US$1,973
40	US$1,891	US$2,035
41	US$1,990	US$2,102
42	US$2,091	US$2,168
43	US$2,197	US$2,235
44	US$2,316	US$2,316
45	US$2,443	US$2,401
46	US$2,577	US$2,488
47	US$2,722	US$2,581
48	US$2,870	US$2,677
49	US$3,006	US$2,787
50	US$3,146	US$2,904
51	US$3,291	US$3,026
52	US$3,445	US$3,154
53	US$3,607	US$3,287
54	US$3,784	US$3,445
55	US$3,971	US$3,613
56	US$4,167	US$3,789
57	US$4,373	US$3,978
58	US$4,592	US$4,168
59	US$4,802	US$4,269
60	US$5,021	US$4,368
61	US$5,253	US$4,471
62	US$5,493	US$4,576
63	US$5,749	US$4,683
64	US$5,872	US$4,858
65	US$5,997	US$5,036
66	US$6,128	US$5,221
67	US$6,260	US$5,412
68	US$6,394	US$5,612
69	US$6,727	US$5,882
70	US$7,076	US$6,169
71	US$7,444	US$6,468
72	US$7,830	US$6,780
73	US$8,238	US$7,111
74	US$8,642	US$7,439
75	US$8,887	US$7,655
76	US$9,131	US$8,047
77	US$9,375	US$8,375
78	US$9,619	US$8,762
79	US$9,864	US$9,118
80	US$10,108	US$9,470
81	US$10,498	US$9,822
82	US$10,886	US$10,174
83	US$11,278	US$10,526
84	US$11,644	US$10,860
85	US$12,020	US$11,204
86	US$12,408	US$11,556
87	US$12,812	US$11,920
88	US$13,226	US$12,296
89	US$13,594	US$12,630
90	US$13,972	US$12,972
91	US$14,364	US$13,326
92	US$14,765	US$13,686
93	US$15,177	US$14,061
94	US$15,549	US$14,398
95	US$15,927	US$14,741
96	US$16,317	US$15,097
97	US$16,717	US$15,457
98	US$17,125	US$15,829
99	US$17,535	US$16,197
100	US$17,945	US$16,565

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.