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VHIS Flexi · F00027-06-000-03

Chubb VHIS - Flexi Plan - Ward (USD)

安達自願醫保（靈活）計劃 - 普通(美元)

Chubb Life Insurance Hong Kong Limited

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Your premium

US$721 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

US$76,923

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	$154 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$2,308 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$154 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$705 per Policy Year
(e) Intensive care (e) 深切治療	$641 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$769
Surgeon's fee — Intermediate 外科醫生費 — 中型	$1,923
Surgeon's fee — Major 外科醫生費 — 大型	$3,846
Surgeon's fee — Complex 外科醫生費 — 複雜	$7,692
(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	$3,846 per Policy Year. Subject to 20% 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	$115, per visit, $577 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	$5,128 per Policy Year
Extra Benefits
Outpatient kidney dialysis 門診腎臟透析治療	$3,846 per Policy Year
Emergency outpatient treatment for Accident 緊急意外門診治療保障 — 急症門診	$1,923 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	$3,846 per Policy Year
Isolation ward charges benefit 隔離病房費	$77 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	$103 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
$154 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$2,308 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$154 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$705 per Policy Year
(e) Intensive care
(e) 深切治療
$641 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$769
Surgeon's fee — Intermediate
外科醫生費 — 中型
$1,923
Surgeon's fee — Major
外科醫生費 — 大型
$3,846
Surgeon's fee — Complex
外科醫生費 — 複雜
$7,692
(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
$3,846 per Policy Year. Subject to 20% 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
$115, per visit, $577 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
$5,128 per Policy Year

Extra Benefits

Outpatient kidney dialysis
門診腎臟透析治療
$3,846 per Policy Year
Emergency outpatient treatment for Accident
緊急意外門診治療保障 — 急症門診
$1,923 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
$3,846 per Policy Year
Isolation ward charges benefit
隔離病房費
$77 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
$103 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$901	US$764
1	US$813	US$685
2	US$813	US$685
3	US$813	US$685
4	US$813	US$685
5	US$813	US$685
6	US$569	US$522
7	US$569	US$522
8	US$569	US$522
9	US$569	US$522
10	US$562	US$515
11	US$555	US$509
12	US$548	US$502
13	US$541	US$496
14	US$534	US$489
15	US$534	US$489
16	US$538	US$513
17	US$554	US$541
18	US$573	US$572
19	US$588	US$599
20	US$604	US$634
21	US$612	US$656
22	US$621	US$685
23	US$628	US$712
24	US$640	US$741
25	US$652	US$768
26	US$668	US$799
27	US$678	US$826
28	US$688	US$858
29	US$706	US$889
30	US$721	US$920
31	US$737	US$947
32	US$752	US$981
33	US$768	US$1,014
34	US$792	US$1,046
35	US$811	US$1,073
36	US$830	US$1,106
37	US$856	US$1,135
38	US$880	US$1,174
39	US$918	US$1,210
40	US$961	US$1,248
41	US$1,003	US$1,290
42	US$1,048	US$1,331
43	US$1,101	US$1,375
44	US$1,155	US$1,413
45	US$1,212	US$1,460
46	US$1,274	US$1,505
47	US$1,334	US$1,552
48	US$1,402	US$1,599
49	US$1,469	US$1,642
50	US$1,545	US$1,682
51	US$1,621	US$1,729
52	US$1,704	US$1,774
53	US$1,789	US$1,821
54	US$1,866	US$1,879
55	US$1,951	US$1,944
56	US$2,034	US$2,009
57	US$2,122	US$2,077
58	US$2,217	US$2,146
59	US$2,291	US$2,211
60	US$2,369	US$2,278
61	US$2,452	US$2,346
62	US$2,530	US$2,417
63	US$2,618	US$2,493
64	US$2,721	US$2,569
65	US$2,822	US$2,641
66	US$2,929	US$2,724
67	US$3,038	US$2,809
68	US$3,155	US$2,897
69	US$3,300	US$3,056
70	US$3,454	US$3,224
71	US$3,608	US$3,463
72	US$3,777	US$3,596
73	US$3,951	US$3,788
74	US$4,098	US$3,954
75	US$4,252	US$4,129
76	US$4,416	US$4,308
77	US$4,577	US$4,492
78	US$4,748	US$4,687
79	US$4,910	US$4,870
80	US$5,067	US$5,050
81	US$5,228	US$5,227
82	US$5,387	US$5,408
83	US$5,544	US$5,587
84	US$5,696	US$5,758
85	US$5,853	US$5,930
86	US$6,012	US$6,111
87	US$6,176	US$6,293
88	US$6,347	US$6,484
89	US$6,494	US$6,654
90	US$6,653	US$6,828
91	US$6,808	US$7,010
92	US$6,976	US$7,192
93	US$7,142	US$7,384
94	US$7,294	US$7,554
95	US$7,451	US$7,729
96	US$7,610	US$7,906
97	US$7,774	US$8,092
98	US$7,940	US$8,278
99	US$8,104	US$8,468
100	US$8,268	US$8,659

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)

Current page

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.