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VHIS Flexi · F00027-05-000-03

Chubb VHIS - Flexi Plan - Classic (USD)

安達自願醫保（靈活）計劃 - 基本(美元)

Chubb Life Insurance Hong Kong Limited

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Your premium

US$614 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

US$64,103

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	$109 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$1,795 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$109 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$551 per Policy Year
(e) Intensive care (e) 深切治療	$449 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 641
Surgeon's fee — Intermediate 外科醫生費 — 中型	$1,603
Surgeon's fee — Major 外科醫生費 — 大型	$3,205
Surgeon's fee — Complex 外科醫生費 — 複雜	$6,410
(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	$2,564 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$10,256 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	$90, per visit, $449 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	$3,846 per Policy Year
Extra Benefits
Outpatient kidney dialysis 門診腎臟透析治療	$1,282 per Policy Year
Emergency outpatient treatment for Accident 緊急意外門診治療保障 — 急症門診	$641 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	$51 per day, maximum 180 days per Policy Year
Hospice and palliative care benefit 安寧療護及紓緩護理費	$1,923 per Policy Year
Isolation ward charges benefit 隔離病房費	$58 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	$64 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	$32 per Policy Year
Event Benefits
Medical accident and incident extension benefit 醫療疏忽事故賠償	$1,282
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
$109 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$1,795 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$109 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$551 per Policy Year
(e) Intensive care
(e) 深切治療
$449 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 641
Surgeon's fee — Intermediate
外科醫生費 — 中型
$1,603
Surgeon's fee — Major
外科醫生費 — 大型
$3,205
Surgeon's fee — Complex
外科醫生費 — 複雜
$6,410
(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
$2,564 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$10,256 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
$90, per visit, $449 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
$3,846 per Policy Year

Extra Benefits

Outpatient kidney dialysis
門診腎臟透析治療
$1,282 per Policy Year
Emergency outpatient treatment for Accident
緊急意外門診治療保障 — 急症門診
$641 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
$51 per day, maximum 180 days per Policy Year
Hospice and palliative care benefit
安寧療護及紓緩護理費
$1,923 per Policy Year
Isolation ward charges benefit
隔離病房費
$58 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
$64 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
$32 per Policy Year

Event Benefits

Medical accident and incident extension benefit
醫療疏忽事故賠償
$1,282
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$763	US$644
1	US$705	US$604
2	US$705	US$604
3	US$705	US$604
4	US$705	US$604
5	US$705	US$604
6	US$509	US$456
7	US$509	US$456
8	US$509	US$456
9	US$509	US$456
10	US$503	US$450
11	US$497	US$444
12	US$490	US$439
13	US$484	US$433
14	US$478	US$427
15	US$478	US$427
16	US$478	US$437
17	US$481	US$460
18	US$491	US$486
19	US$503	US$509
20	US$517	US$537
21	US$523	US$556
22	US$531	US$580
23	US$537	US$602
24	US$547	US$626
25	US$557	US$648
26	US$570	US$673
27	US$578	US$696
28	US$586	US$721
29	US$602	US$747
30	US$614	US$773
31	US$627	US$795
32	US$639	US$823
33	US$653	US$850
34	US$673	US$876
35	US$689	US$898
36	US$704	US$926
37	US$726	US$949
38	US$746	US$981
39	US$777	US$1,010
40	US$813	US$1,042
41	US$848	US$1,077
42	US$885	US$1,110
43	US$929	US$1,147
44	US$974	US$1,178
45	US$1,021	US$1,216
46	US$1,072	US$1,253
47	US$1,122	US$1,292
48	US$1,179	US$1,331
49	US$1,234	US$1,366
50	US$1,297	US$1,398
51	US$1,360	US$1,437
52	US$1,429	US$1,474
53	US$1,500	US$1,513
54	US$1,563	US$1,561
55	US$1,634	US$1,614
56	US$1,703	US$1,667
57	US$1,776	US$1,722
58	US$1,854	US$1,780
59	US$1,915	US$1,833
60	US$1,980	US$1,888
61	US$2,049	US$1,943
62	US$2,114	US$2,002
63	US$2,187	US$2,065
64	US$2,272	US$2,127
65	US$2,356	US$2,186
66	US$2,445	US$2,254
67	US$2,536	US$2,324
68	US$2,632	US$2,396
69	US$2,752	US$2,527
70	US$2,880	US$2,665
71	US$3,008	US$2,862
72	US$3,148	US$2,970
73	US$3,292	US$3,129
74	US$3,414	US$3,265
75	US$3,542	US$3,408
76	US$3,678	US$3,556
77	US$3,812	US$3,706
78	US$3,953	US$3,866
79	US$4,087	US$4,018
80	US$4,217	US$4,165
81	US$4,351	US$4,310
82	US$4,483	US$4,459
83	US$4,613	US$4,606
84	US$4,739	US$4,746
85	US$4,869	US$4,888
86	US$5,001	US$5,037
87	US$5,137	US$5,186
88	US$5,279	US$5,343
89	US$5,401	US$5,482
90	US$5,533	US$5,626
91	US$5,661	US$5,775
92	US$5,801	US$5,924
93	US$5,938	US$6,082
94	US$6,064	US$6,222
95	US$6,194	US$6,366
96	US$6,326	US$6,511
97	US$6,462	US$6,664
98	US$6,600	US$6,817
99	US$6,736	US$6,973
100	US$6,872	US$7,129

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.