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VHIS Flexi · F00027-02-000-03

Chubb VHIS - Flexi Plan - Ward (HKD)

安達自願醫保（靈活）計劃 - 普通(港元)

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$5,621 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$600,000

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	$1,200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$18,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$1,200 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$5,500 per Policy Year
(e) Intensive care (e) 深切治療	$5,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$6,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$15,000
Surgeon's fee — Major 外科醫生費 — 大型	$30,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$60,000
(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	$30,000 per Policy Year. Subject to 20% 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	$900, per visit, $4,500 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	$40,000 per Policy Year
Extra Benefits
Outpatient kidney dialysis 門診腎臟透析治療	$30,000 per Policy Year
Emergency outpatient treatment for Accident 緊急意外門診治療保障 — 急症門診	$15,000 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	$30,000 per Policy Year
Isolation ward charges benefit 隔離病房費	$600 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	$800 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
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
$1,200 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$18,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$1,200 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$5,500 per Policy Year
(e) Intensive care
(e) 深切治療
$5,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$6,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$15,000
Surgeon's fee — Major
外科醫生費 — 大型
$30,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$60,000
(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
$30,000 per Policy Year. Subject to 20% 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
$900, per visit, $4,500 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
$40,000 per Policy Year

Extra Benefits

Outpatient kidney dialysis
門診腎臟透析治療
$30,000 per Policy Year
Emergency outpatient treatment for Accident
緊急意外門診治療保障 — 急症門診
$15,000 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
$30,000 per Policy Year
Isolation ward charges benefit
隔離病房費
$600 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
$800 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

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$7,029	HK$5,958
1	HK$6,340	HK$5,345
2	HK$6,340	HK$5,345
3	HK$6,340	HK$5,345
4	HK$6,340	HK$5,345
5	HK$6,340	HK$5,345
6	HK$4,441	HK$4,071
7	HK$4,441	HK$4,071
8	HK$4,441	HK$4,071
9	HK$4,441	HK$4,071
10	HK$4,387	HK$4,018
11	HK$4,331	HK$3,968
12	HK$4,275	HK$3,917
13	HK$4,220	HK$3,866
14	HK$4,164	HK$3,815
15	HK$4,164	HK$3,815
16	HK$4,197	HK$3,999
17	HK$4,324	HK$4,220
18	HK$4,471	HK$4,463
19	HK$4,583	HK$4,674
20	HK$4,714	HK$4,944
21	HK$4,770	HK$5,117
22	HK$4,845	HK$5,345
23	HK$4,900	HK$5,555
24	HK$4,992	HK$5,781
25	HK$5,084	HK$5,992
26	HK$5,214	HK$6,236
27	HK$5,287	HK$6,446
28	HK$5,363	HK$6,690
29	HK$5,510	HK$6,935
30	HK$5,621	HK$7,179
31	HK$5,751	HK$7,389
32	HK$5,863	HK$7,652
33	HK$5,992	HK$7,913
34	HK$6,177	HK$8,159
35	HK$6,325	HK$8,368
36	HK$6,474	HK$8,630
37	HK$6,678	HK$8,856
38	HK$6,862	HK$9,154
39	HK$7,159	HK$9,436
40	HK$7,492	HK$9,731
41	HK$7,825	HK$10,063
42	HK$8,178	HK$10,379
43	HK$8,585	HK$10,728
44	HK$9,011	HK$11,025
45	HK$9,457	HK$11,391
46	HK$9,938	HK$11,742
47	HK$10,402	HK$12,108
48	HK$10,937	HK$12,476
49	HK$11,456	HK$12,809
50	HK$12,051	HK$13,121
51	HK$12,642	HK$13,489
52	HK$13,292	HK$13,839
53	HK$13,957	HK$14,206
54	HK$14,551	HK$14,660
55	HK$15,218	HK$15,165
56	HK$15,865	HK$15,673
57	HK$16,551	HK$16,198
58	HK$17,291	HK$16,739
59	HK$17,867	HK$17,245
60	HK$18,478	HK$17,771
61	HK$19,125	HK$18,296
62	HK$19,736	HK$18,855
63	HK$20,423	HK$19,449
64	HK$21,220	HK$20,041
65	HK$22,015	HK$20,600
66	HK$22,849	HK$21,249
67	HK$23,700	HK$21,911
68	HK$24,609	HK$22,593
69	HK$25,738	HK$23,835
70	HK$26,941	HK$25,147
71	HK$28,146	HK$27,014
72	HK$29,461	HK$28,045
73	HK$30,816	HK$29,548
74	HK$31,963	HK$30,840
75	HK$33,167	HK$32,205
76	HK$34,446	HK$33,603
77	HK$35,704	HK$35,035
78	HK$37,038	HK$36,556
79	HK$38,299	HK$37,989
80	HK$39,520	HK$39,388
81	HK$40,780	HK$40,768
82	HK$42,022	HK$42,182
83	HK$43,244	HK$43,581
84	HK$44,430	HK$44,910
85	HK$45,652	HK$46,254
86	HK$46,893	HK$47,669
87	HK$48,172	HK$49,086
88	HK$49,506	HK$50,572
89	HK$50,653	HK$51,899
90	HK$51,895	HK$53,262
91	HK$53,099	HK$54,678
92	HK$54,414	HK$56,095
93	HK$55,709	HK$57,597
94	HK$56,894	HK$58,925
95	HK$58,117	HK$60,288
96	HK$59,361	HK$61,668
97	HK$60,637	HK$63,118
98	HK$61,933	HK$64,570
99	HK$63,212	HK$66,054
100	HK$64,490	HK$67,539

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.