← Back to Chubb VHIS - Flexi Plan series

VHIS Flexi · F00027-02-001-03

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

安達自願醫保（靈活）計劃 - 普通及附加額外保障(港元)

Chubb Life Insurance Hong Kong Limited

Add to compare

Your premium

HK$6,536 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$600,000

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

HK$180,000

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	$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
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	$600 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 $800 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
$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
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
$600 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 $800 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$8,065	HK$8,065
1	HK$7,337	HK$7,066
2	HK$7,337	HK$7,066
3	HK$7,337	HK$7,066
4	HK$7,337	HK$7,066
5	HK$7,337	HK$7,066
6	HK$5,365	HK$5,723
7	HK$5,365	HK$5,723
8	HK$5,365	HK$5,723
9	HK$5,365	HK$5,723
10	HK$5,299	HK$5,651
11	HK$5,232	HK$5,580
12	HK$5,165	HK$5,509
13	HK$5,098	HK$5,437
14	HK$5,031	HK$5,365
15	HK$5,031	HK$5,365
16	HK$5,098	HK$5,587
17	HK$5,149	HK$5,810
18	HK$5,203	HK$6,039
19	HK$5,331	HK$6,254
20	HK$5,444	HK$6,504
21	HK$5,505	HK$6,629
22	HK$5,568	HK$6,816
23	HK$5,647	HK$6,957
24	HK$5,755	HK$7,159
25	HK$5,896	HK$7,395
26	HK$6,006	HK$7,628
27	HK$6,132	HK$7,863
28	HK$6,238	HK$8,113
29	HK$6,380	HK$8,331
30	HK$6,536	HK$8,580
31	HK$6,677	HK$8,861
32	HK$6,832	HK$9,095
33	HK$6,957	HK$9,376
34	HK$7,300	HK$9,673
35	HK$7,674	HK$9,953
36	HK$8,034	HK$10,281
37	HK$8,393	HK$10,592
38	HK$8,815	HK$10,922
39	HK$9,110	HK$11,216
40	HK$9,392	HK$11,513
41	HK$9,703	HK$11,858
42	HK$10,001	HK$12,200
43	HK$10,312	HK$12,542
44	HK$10,936	HK$13,027
45	HK$11,560	HK$13,541
46	HK$12,277	HK$14,072
47	HK$13,009	HK$14,648
48	HK$13,808	HK$15,227
49	HK$14,446	HK$15,680
50	HK$15,150	HK$16,115
51	HK$15,867	HK$16,615
52	HK$16,648	HK$17,101
53	HK$17,442	HK$17,581
54	HK$18,223	HK$18,129
55	HK$19,018	HK$18,754
56	HK$19,860	HK$19,362
57	HK$20,750	HK$20,002
58	HK$21,672	HK$20,642
59	HK$22,247	HK$21,250
60	HK$22,841	HK$21,890
61	HK$23,449	HK$22,545
62	HK$24,074	HK$23,232
63	HK$24,729	HK$23,916
64	HK$25,680	HK$24,933
65	HK$26,710	HK$25,992
66	HK$27,755	HK$27,116
67	HK$28,848	HK$28,239
68	HK$29,988	HK$29,440
69	HK$31,235	HK$30,720
70	HK$32,546	HK$32,079
71	HK$33,903	HK$33,467
72	HK$35,339	HK$34,918
73	HK$36,853	HK$36,447
74	HK$38,320	HK$37,944
75	HK$41,123	HK$40,072
76	HK$42,714	HK$41,821
77	HK$44,282	HK$43,611
78	HK$45,943	HK$45,513
79	HK$47,512	HK$47,302
80	HK$49,034	HK$49,051
81	HK$50,603	HK$50,776
82	HK$52,149	HK$52,545
83	HK$53,671	HK$54,294
84	HK$55,147	HK$55,952
85	HK$56,670	HK$57,635
86	HK$58,215	HK$59,404
87	HK$59,809	HK$61,176
88	HK$61,467	HK$63,031
89	HK$62,899	HK$64,691
90	HK$64,444	HK$66,395
91	HK$65,943	HK$68,165
92	HK$67,581	HK$69,935
93	HK$69,196	HK$71,811
94	HK$70,672	HK$73,473
95	HK$72,194	HK$75,177
96	HK$73,740	HK$76,902
97	HK$75,331	HK$78,716
98	HK$76,947	HK$80,526
99	HK$78,537	HK$82,383
100	HK$80,130	HK$84,241

Other deductible options in this series

16 deductibles — same benefit schedule, premium scales with deductible

Classic (HKD)

View details →

Classic with Top-up benefit (HKD)

View details →

Ward (HKD)

View details →

Ward with Top-up benefit (HKD)

Current page

Semi-Private (HKD)

View details →

Semi-Private with Top-up benefit (HKD)

View details →

Private (HKD)

View details →

Private with Top-up benefit (HKD)

View details →

Classic (USD)

View details →

Classic with Top-up benefit (USD)

View details →

Ward (USD)

View details →

Ward with Top-up benefit (USD)

View details →

Semi-Private (USD)

View details →

Semi-Private with Top-up benefit (USD)

View details →

Private (USD)

View details →

Private with Top-up benefit (USD)

View details →

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.