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VHIS Flexi · F00027-04-000-03

Chubb VHIS - Flexi Plan - Private (HKD)

安達自願醫保（靈活）計劃 - 私家(港元)

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$13,489 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$1,000,000

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	$4,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$35,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$4,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$25,000 per Policy Year
(e) Intensive care (e) 深切治療	$10,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$12,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$30,000
Surgeon's fee — Major 外科醫生費 — 大型	$60,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$100,000
(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	$60,000 per Policy Year. Subject to 20% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$160,000 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	$2,000, per visit, $10,000 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	$90,000 per Policy Year
Extra Benefits
Outpatient kidney dialysis 門診腎臟透析治療	$100,000 per Policy Year
Emergency outpatient treatment for Accident 緊急意外門診治療保障 — 急症門診	$30,000 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	$1,000 per day, maximum 180 days per Policy Year
Hospice and palliative care benefit 安寧療護及紓緩護理費	$80,000 per Policy Year
Isolation ward charges benefit 隔離病房費	$2,000 per day, maximum 180 days per Policy Year (ward class: Standard Private Room)
Daily post-surgery home nursing benefit 住院後居家看護	$2,000 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	$750 per Policy Year
Event Benefits
Medical accident and incident extension benefit 醫療疏忽事故賠償	$50,000
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
$4,000 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$35,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$4,000 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$25,000 per Policy Year
(e) Intensive care
(e) 深切治療
$10,000 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$12,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$30,000
Surgeon's fee — Major
外科醫生費 — 大型
$60,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$100,000
(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
$60,000 per Policy Year. Subject to 20% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$160,000 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
$2,000, per visit, $10,000 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
$90,000 per Policy Year

Extra Benefits

Outpatient kidney dialysis
門診腎臟透析治療
$100,000 per Policy Year
Emergency outpatient treatment for Accident
緊急意外門診治療保障 — 急症門診
$30,000 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
$1,000 per day, maximum 180 days per Policy Year
Hospice and palliative care benefit
安寧療護及紓緩護理費
$80,000 per Policy Year
Isolation ward charges benefit
隔離病房費
$2,000 per day, maximum 180 days per Policy Year (ward class: Standard Private Room)
Daily post-surgery home nursing benefit
住院後居家看護
$2,000 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
$750 per Policy Year

Event Benefits

Medical accident and incident extension benefit
醫療疏忽事故賠償
$50,000
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$14,686	HK$12,864
1	HK$13,538	HK$10,332
2	HK$13,538	HK$10,332
3	HK$13,538	HK$10,332
4	HK$13,538	HK$10,332
5	HK$13,538	HK$10,332
6	HK$10,642	HK$9,495
7	HK$10,642	HK$9,495
8	HK$10,642	HK$9,495
9	HK$10,642	HK$9,495
10	HK$10,510	HK$9,376
11	HK$10,376	HK$9,257
12	HK$10,243	HK$9,139
13	HK$10,110	HK$9,019
14	HK$9,976	HK$8,900
15	HK$9,976	HK$8,900
16	HK$10,039	HK$9,541
17	HK$10,087	HK$10,269
18	HK$10,146	HK$11,046
19	HK$10,510	HK$11,544
20	HK$10,880	HK$12,065
21	HK$11,130	HK$12,477
22	HK$11,380	HK$12,864
23	HK$11,643	HK$13,291
24	HK$11,891	HK$13,662
25	HK$12,152	HK$14,075
26	HK$12,390	HK$14,450
27	HK$12,664	HK$14,850
28	HK$12,939	HK$15,262
29	HK$13,202	HK$15,736
30	HK$13,489	HK$16,209
31	HK$13,777	HK$16,710
32	HK$14,088	HK$17,245
33	HK$14,387	HK$17,771
34	HK$14,850	HK$18,369
35	HK$15,349	HK$19,018
36	HK$15,835	HK$19,679
37	HK$16,359	HK$20,353
38	HK$16,897	HK$21,066
39	HK$17,669	HK$21,875
40	HK$18,494	HK$22,688
41	HK$19,379	HK$23,587
42	HK$20,292	HK$24,486
43	HK$21,228	HK$25,409
44	HK$22,102	HK$26,258
45	HK$23,024	HK$27,118
46	HK$23,985	HK$28,030
47	HK$24,984	HK$28,930
48	HK$26,046	HK$29,879
49	HK$27,168	HK$30,739
50	HK$28,367	HK$31,614
51	HK$29,591	HK$32,500
52	HK$30,890	HK$33,435
53	HK$32,249	HK$34,386
54	HK$33,723	HK$35,257
55	HK$35,257	HK$36,169
56	HK$36,882	HK$37,093
57	HK$38,566	HK$38,029
58	HK$40,326	HK$39,002
59	HK$41,711	HK$40,500
60	HK$43,122	HK$42,047
61	HK$44,607	HK$43,646
62	HK$46,131	HK$45,318
63	HK$47,704	HK$47,054
64	HK$50,137	HK$49,188
65	HK$52,671	HK$51,434
66	HK$55,356	HK$53,782
67	HK$58,149	HK$56,254
68	HK$61,109	HK$58,824
69	HK$63,955	HK$61,509
70	HK$66,962	HK$64,303
71	HK$70,084	HK$67,262
72	HK$73,366	HK$70,321
73	HK$76,814	HK$73,554
74	HK$79,932	HK$76,274
75	HK$83,165	HK$79,121
76	HK$86,549	HK$82,053
77	HK$90,044	HK$85,137
78	HK$93,702	HK$88,282
79	HK$97,071	HK$91,228
80	HK$100,440	HK$94,175
81	HK$103,824	HK$97,133
82	HK$107,206	HK$100,079
83	HK$110,564	HK$103,037
84	HK$113,759	HK$105,809
85	HK$117,042	HK$108,668
86	HK$120,398	HK$111,624
87	HK$123,883	HK$114,658
88	HK$127,452	HK$117,755
89	HK$130,660	HK$120,562
90	HK$133,955	HK$123,445
91	HK$137,313	HK$126,392
92	HK$140,784	HK$129,412
93	HK$144,341	HK$132,494
94	HK$147,562	HK$135,303
95	HK$150,858	HK$138,187
96	HK$154,240	HK$141,146
97	HK$157,687	HK$144,155
98	HK$160,755	HK$147,224
99	HK$163,886	HK$150,308
100	HK$167,018	HK$153,390

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.