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VHIS Flexi · F00027-06-001-03

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

安達自願醫保（靈活）計劃 - 普通及附加額外保障(美元)

Chubb Life Insurance Hong Kong Limited

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Your premium

US$838 /yr

age

Ward class

Ward

Coverage region

Worldwide

Deductible

—

Annual benefit limit

US$76,923

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

US$181,154

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
Supplementary Major Medical Benefit 額外醫療保障	US$23,077 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	$77 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 $103 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
$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
Supplementary Major Medical Benefit
額外醫療保障
US$23,077 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
$77 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 $103 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

Age	Male	Female
0	US$1,034	US$1,034
1	US$941	US$906
2	US$941	US$906
3	US$941	US$906
4	US$941	US$906
5	US$941	US$906
6	US$688	US$734
7	US$688	US$734
8	US$688	US$734
9	US$688	US$734
10	US$679	US$724
11	US$671	US$715
12	US$662	US$706
13	US$654	US$697
14	US$645	US$688
15	US$645	US$688
16	US$654	US$716
17	US$660	US$745
18	US$667	US$774
19	US$683	US$802
20	US$698	US$834
21	US$706	US$850
22	US$714	US$874
23	US$724	US$892
24	US$738	US$918
25	US$756	US$948
26	US$770	US$978
27	US$786	US$1,008
28	US$800	US$1,040
29	US$818	US$1,068
30	US$838	US$1,100
31	US$856	US$1,136
32	US$876	US$1,166
33	US$892	US$1,202
34	US$936	US$1,240
35	US$984	US$1,276
36	US$1,030	US$1,318
37	US$1,076	US$1,358
38	US$1,130	US$1,400
39	US$1,168	US$1,438
40	US$1,204	US$1,476
41	US$1,244	US$1,520
42	US$1,282	US$1,564
43	US$1,322	US$1,608
44	US$1,402	US$1,670
45	US$1,482	US$1,736
46	US$1,574	US$1,804
47	US$1,668	US$1,878
48	US$1,770	US$1,952
49	US$1,852	US$2,010
50	US$1,942	US$2,066
51	US$2,034	US$2,130
52	US$2,134	US$2,192
53	US$2,236	US$2,254
54	US$2,336	US$2,324
55	US$2,438	US$2,404
56	US$2,546	US$2,482
57	US$2,660	US$2,564
58	US$2,778	US$2,646
59	US$2,852	US$2,724
60	US$2,928	US$2,806
61	US$3,006	US$2,890
62	US$3,086	US$2,978
63	US$3,170	US$3,066
64	US$3,292	US$3,197
65	US$3,424	US$3,332
66	US$3,558	US$3,476
67	US$3,698	US$3,620
68	US$3,845	US$3,774
69	US$4,004	US$3,938
70	US$4,173	US$4,113
71	US$4,347	US$4,291
72	US$4,531	US$4,477
73	US$4,725	US$4,673
74	US$4,913	US$4,865
75	US$5,272	US$5,137
76	US$5,476	US$5,362
77	US$5,677	US$5,591
78	US$5,890	US$5,835
79	US$6,091	US$6,064
80	US$6,286	US$6,289
81	US$6,488	US$6,510
82	US$6,686	US$6,737
83	US$6,881	US$6,961
84	US$7,070	US$7,173
85	US$7,265	US$7,389
86	US$7,463	US$7,616
87	US$7,668	US$7,843
88	US$7,880	US$8,081
89	US$8,064	US$8,294
90	US$8,262	US$8,512
91	US$8,454	US$8,739
92	US$8,664	US$8,966
93	US$8,871	US$9,207
94	US$9,061	US$9,420
95	US$9,256	US$9,638
96	US$9,454	US$9,859
97	US$9,658	US$10,092
98	US$9,865	US$10,324
99	US$10,069	US$10,562
100	US$10,273	US$10,800

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)

Current page

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.