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VHIS Flexi · F00027-01-000-03

Chubb VHIS - Flexi Plan - Classic (HKD)

安達自願醫保（靈活）計劃 - 基本(港元)

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$4,786 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$500,000

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	$850 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$850 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(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	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 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	$700, per visit, $3,500 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	$30,000 per Policy Year
Extra Benefits
Outpatient kidney dialysis 門診腎臟透析治療	$10,000 per Policy Year
Emergency outpatient treatment for Accident 緊急意外門診治療保障 — 急症門診	$5,000 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	$400 per day, maximum 180 days per Policy Year
Hospice and palliative care benefit 安寧療護及紓緩護理費	$15,000 per Policy Year
Isolation ward charges benefit 隔離病房費	$450 per day, maximum 180 days per Policy Year (ward class: Basic/General Ward)
Daily post-surgery home nursing benefit 住院後居家看護	$500 per visit • 1 visit per day, within 90 days after discharge from Hospital
Health check-up benefit 健康檢查	$250 per Policy Year
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
$850 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$850 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(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
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 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
$700, per visit, $3,500 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
$30,000 per Policy Year

Extra Benefits

Outpatient kidney dialysis
門診腎臟透析治療
$10,000 per Policy Year
Emergency outpatient treatment for Accident
緊急意外門診治療保障 — 急症門診
$5,000 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
$400 per day, maximum 180 days per Policy Year
Hospice and palliative care benefit
安寧療護及紓緩護理費
$15,000 per Policy Year
Isolation ward charges benefit
隔離病房費
$450 per day, maximum 180 days per Policy Year (ward class: Basic/General Ward)
Daily post-surgery home nursing benefit
住院後居家看護
$500 per visit • 1 visit per day, within 90 days after discharge from Hospital
Health check-up benefit
健康檢查
$250 per Policy Year

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$5,953	HK$5,024
1	HK$5,501	HK$4,710
2	HK$5,501	HK$4,710
3	HK$5,501	HK$4,710
4	HK$5,501	HK$4,710
5	HK$5,501	HK$4,710
6	HK$3,972	HK$3,556
7	HK$3,972	HK$3,556
8	HK$3,972	HK$3,556
9	HK$3,972	HK$3,556
10	HK$3,923	HK$3,511
11	HK$3,874	HK$3,466
12	HK$3,823	HK$3,421
13	HK$3,774	HK$3,377
14	HK$3,725	HK$3,333
15	HK$3,725	HK$3,333
16	HK$3,727	HK$3,409
17	HK$3,754	HK$3,591
18	HK$3,829	HK$3,792
19	HK$3,923	HK$3,968
20	HK$4,034	HK$4,191
21	HK$4,079	HK$4,335
22	HK$4,140	HK$4,522
23	HK$4,188	HK$4,695
24	HK$4,263	HK$4,879
25	HK$4,342	HK$5,052
26	HK$4,449	HK$5,253
27	HK$4,511	HK$5,425
28	HK$4,572	HK$5,626
29	HK$4,696	HK$5,828
30	HK$4,786	HK$6,027
31	HK$4,894	HK$6,201
32	HK$4,986	HK$6,416
33	HK$5,096	HK$6,632
34	HK$5,248	HK$6,832
35	HK$5,371	HK$7,004
36	HK$5,494	HK$7,220
37	HK$5,661	HK$7,406
38	HK$5,815	HK$7,651
39	HK$6,060	HK$7,881
40	HK$6,339	HK$8,124
41	HK$6,614	HK$8,397
42	HK$6,905	HK$8,657
43	HK$7,244	HK$8,943
44	HK$7,598	HK$9,187
45	HK$7,965	HK$9,488
46	HK$8,365	HK$9,775
47	HK$8,749	HK$10,076
48	HK$9,195	HK$10,379
49	HK$9,625	HK$10,651
50	HK$10,116	HK$10,908
51	HK$10,609	HK$11,210
52	HK$11,145	HK$11,497
53	HK$11,698	HK$11,800
54	HK$12,192	HK$12,173
55	HK$12,743	HK$12,588
56	HK$13,280	HK$13,005
57	HK$13,849	HK$13,435
58	HK$14,463	HK$13,881
59	HK$14,939	HK$14,297
60	HK$15,445	HK$14,729
61	HK$15,984	HK$15,158
62	HK$16,490	HK$15,617
63	HK$17,058	HK$16,106
64	HK$17,720	HK$16,593
65	HK$18,380	HK$17,052
66	HK$19,070	HK$17,585
67	HK$19,778	HK$18,130
68	HK$20,530	HK$18,690
69	HK$21,468	HK$19,708
70	HK$22,466	HK$20,784
71	HK$23,464	HK$22,321
72	HK$24,554	HK$23,169
73	HK$25,677	HK$24,403
74	HK$26,629	HK$25,466
75	HK$27,627	HK$26,585
76	HK$28,686	HK$27,733
77	HK$29,730	HK$28,910
78	HK$30,836	HK$30,158
79	HK$31,879	HK$31,337
80	HK$32,894	HK$32,484
81	HK$33,939	HK$33,617
82	HK$34,968	HK$34,781
83	HK$35,982	HK$35,929
84	HK$36,964	HK$37,020
85	HK$37,979	HK$38,125
86	HK$39,006	HK$39,289
87	HK$40,069	HK$40,451
88	HK$41,173	HK$41,672
89	HK$42,126	HK$42,762
90	HK$43,154	HK$43,882
91	HK$44,152	HK$45,044
92	HK$45,244	HK$46,206
93	HK$46,318	HK$47,442
94	HK$47,300	HK$48,532
95	HK$48,316	HK$49,654
96	HK$49,344	HK$50,788
97	HK$50,404	HK$51,979
98	HK$51,479	HK$53,169
99	HK$52,539	HK$54,390
100	HK$53,598	HK$55,609

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.