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VHIS Flexi · F00027-01-001-03

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

安達自願醫保（靈活）計劃 - 基本及附加額外保障(港元)

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$5,611 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$500,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

HK$100,000

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	$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 visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy Year
Health check-up benefit 健康檢查	$250 per Policy Year
Hospital companion bed fee reimbursement 住院陪床費	$400 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	$450 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 $500 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	$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 visit1 visit per day, within 90 days after discharge from HospitalMaximum 30 visits per Policy Year
Health check-up benefit
健康檢查
$250 per Policy Year
Hospital companion bed fee reimbursement
住院陪床費
$400 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
$450 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 $500 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
$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$6,896	HK$6,896
1	HK$6,330	HK$6,055
2	HK$6,330	HK$6,055
3	HK$6,330	HK$6,055
4	HK$6,330	HK$6,055
5	HK$6,330	HK$6,055
6	HK$4,626	HK$4,929
7	HK$4,626	HK$4,929
8	HK$4,626	HK$4,929
9	HK$4,626	HK$4,929
10	HK$4,568	HK$4,866
11	HK$4,510	HK$4,804
12	HK$4,453	HK$4,743
13	HK$4,394	HK$4,681
14	HK$4,336	HK$4,620
15	HK$4,336	HK$4,620
16	HK$4,394	HK$4,808
17	HK$4,439	HK$4,996
18	HK$4,486	HK$5,188
19	HK$4,594	HK$5,371
20	HK$4,692	HK$5,584
21	HK$4,743	HK$5,689
22	HK$4,798	HK$5,845
23	HK$4,863	HK$5,965
24	HK$4,953	HK$6,135
25	HK$5,073	HK$6,331
26	HK$5,164	HK$6,528
27	HK$5,269	HK$6,724
28	HK$5,360	HK$6,933
29	HK$5,479	HK$7,118
30	HK$5,611	HK$7,329
31	HK$5,728	HK$7,564
32	HK$5,859	HK$7,760
33	HK$5,965	HK$7,996
34	HK$6,252	HK$8,246
35	HK$6,567	HK$8,484
36	HK$6,868	HK$8,757
37	HK$7,171	HK$9,018
38	HK$7,525	HK$9,296
39	HK$7,775	HK$9,545
40	HK$8,009	HK$9,793
41	HK$8,273	HK$10,081
42	HK$8,522	HK$10,372
43	HK$8,785	HK$10,657
44	HK$9,308	HK$11,067
45	HK$9,833	HK$11,499
46	HK$10,437	HK$11,942
47	HK$11,053	HK$12,429
48	HK$11,721	HK$12,914
49	HK$12,259	HK$13,296
50	HK$12,848	HK$13,661
51	HK$13,452	HK$14,082
52	HK$14,108	HK$14,489
53	HK$14,777	HK$14,894
54	HK$15,432	HK$15,352
55	HK$16,101	HK$15,880
56	HK$16,810	HK$16,390
57	HK$17,558	HK$16,927
58	HK$18,332	HK$17,466
59	HK$18,816	HK$17,976
60	HK$19,314	HK$18,514
61	HK$19,827	HK$19,064
62	HK$20,351	HK$19,642
63	HK$20,901	HK$20,220
64	HK$21,702	HK$21,071
65	HK$22,566	HK$21,963
66	HK$23,444	HK$22,908
67	HK$24,364	HK$23,851
68	HK$25,320	HK$24,861
69	HK$26,370	HK$25,935
70	HK$27,471	HK$27,078
71	HK$28,611	HK$28,246
72	HK$29,818	HK$29,464
73	HK$31,092	HK$30,749
74	HK$32,324	HK$32,009
75	HK$33,804	HK$33,694
76	HK$35,108	HK$35,159
77	HK$36,391	HK$36,658
78	HK$37,752	HK$38,250
79	HK$39,035	HK$39,753
80	HK$40,283	HK$41,217
81	HK$41,567	HK$42,661
82	HK$42,833	HK$44,144
83	HK$44,079	HK$45,609
84	HK$45,288	HK$46,999
85	HK$46,534	HK$48,409
86	HK$47,801	HK$49,891
87	HK$49,105	HK$51,373
88	HK$50,463	HK$52,930
89	HK$51,635	HK$54,322
90	HK$52,900	HK$55,748
91	HK$54,127	HK$57,230
92	HK$55,469	HK$58,714
93	HK$56,792	HK$60,286
94	HK$58,000	HK$61,678
95	HK$59,246	HK$63,106
96	HK$60,513	HK$64,551
97	HK$61,816	HK$66,069
98	HK$63,137	HK$67,590
99	HK$64,442	HK$69,146
100	HK$65,744	HK$70,701

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.