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VHIS Flexi · F00027-05-001-03
Chubb VHIS - Flexi Plan - Classic with Top-up benefit (USD)
安達自願醫保（靈活）計劃 - 基本及附加額外保障(美元)
Your premium
US$719 /yr
age
US$Ward class
Ward
Coverage region
Worldwide
Deductible
—
Annual benefit limit
US$64,103
Per-illness annual limit
—
Lifetime benefit limit
—
SMM Supplemental Major Medical
US$100,645
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 |
Supplementary Major Medical Benefit 額外醫療保障 | US$12,821 per Policy Year; subject to 30% Coinsurance (70% reimbursement rate) |
Hospital companion bed fee reimbursement 住院陪床費 | $51 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 | $58 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 $64 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 | $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
- Supplementary Major Medical Benefit額外醫療保障US$12,821 per Policy Year; subject to 30% Coinsurance (70% reimbursement rate)
- Hospital companion bed fee reimbursement住院陪床費$51 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$58 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 $64 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$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
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.