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VHIS Flexi · F00027-08-000-03

Chubb VHIS - Flexi Plan - Private (USD)

安達自願醫保（靈活）計劃 - 私家(美元)

Chubb Life Insurance Hong Kong Limited

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Your premium

US$1,729 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

US$128,205

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	$513 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$4,487 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$513 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$3,205 per Policy Year
(e) Intensive care (e) 深切治療	$1,282 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$1,538
Surgeon's fee — Intermediate 外科醫生費 — 中型	$3,846
Surgeon's fee — Major 外科醫生費 — 大型	$7,692
Surgeon's fee — Complex 外科醫生費 — 複雜	$12,821
(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	$7,692 per Policy Year. Subject to 20% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$20,513 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	$256, per visit, $1,282 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	$11,538 per Policy Year
Extra Benefits
Outpatient kidney dialysis 門診腎臟透析治療	$12,821 per Policy Year
Emergency outpatient treatment for Accident 緊急意外門診治療保障 — 急症門診	$3,846 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	$128 per day, maximum 180 days per Policy Year
Hospice and palliative care benefit 安寧療護及紓緩護理費	$10,256 per Policy Year
Isolation ward charges benefit 隔離病房費	$256 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	$256 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	$96 per Policy Year
Event Benefits
Medical accident and incident extension benefit 醫療疏忽事故賠償	$6,410
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
$513 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$4,487 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$513 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$3,205 per Policy Year
(e) Intensive care
(e) 深切治療
$1,282 per day, maximum 90 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$1,538
Surgeon's fee — Intermediate
外科醫生費 — 中型
$3,846
Surgeon's fee — Major
外科醫生費 — 大型
$7,692
Surgeon's fee — Complex
外科醫生費 — 複雜
$12,821
(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
$7,692 per Policy Year. Subject to 20% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$20,513 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
$256, per visit, $1,282 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
$11,538 per Policy Year

Extra Benefits

Outpatient kidney dialysis
門診腎臟透析治療
$12,821 per Policy Year
Emergency outpatient treatment for Accident
緊急意外門診治療保障 — 急症門診
$3,846 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
$128 per day, maximum 180 days per Policy Year
Hospice and palliative care benefit
安寧療護及紓緩護理費
$10,256 per Policy Year
Isolation ward charges benefit
隔離病房費
$256 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
$256 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
$96 per Policy Year

Event Benefits

Medical accident and incident extension benefit
醫療疏忽事故賠償
$6,410
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$1,883	US$1,649
1	US$1,736	US$1,325
2	US$1,736	US$1,325
3	US$1,736	US$1,325
4	US$1,736	US$1,325
5	US$1,736	US$1,325
6	US$1,364	US$1,217
7	US$1,364	US$1,217
8	US$1,364	US$1,217
9	US$1,364	US$1,217
10	US$1,347	US$1,202
11	US$1,330	US$1,187
12	US$1,313	US$1,172
13	US$1,296	US$1,156
14	US$1,279	US$1,141
15	US$1,279	US$1,141
16	US$1,287	US$1,223
17	US$1,293	US$1,317
18	US$1,301	US$1,416
19	US$1,347	US$1,480
20	US$1,395	US$1,547
21	US$1,427	US$1,600
22	US$1,459	US$1,649
23	US$1,493	US$1,704
24	US$1,524	US$1,752
25	US$1,558	US$1,804
26	US$1,588	US$1,853
27	US$1,624	US$1,904
28	US$1,659	US$1,957
29	US$1,693	US$2,017
30	US$1,729	US$2,078
31	US$1,766	US$2,142
32	US$1,806	US$2,211
33	US$1,844	US$2,278
34	US$1,904	US$2,355
35	US$1,968	US$2,438
36	US$2,030	US$2,523
37	US$2,097	US$2,609
38	US$2,166	US$2,701
39	US$2,265	US$2,804
40	US$2,371	US$2,909
41	US$2,484	US$3,024
42	US$2,602	US$3,139
43	US$2,722	US$3,258
44	US$2,834	US$3,366
45	US$2,952	US$3,477
46	US$3,075	US$3,594
47	US$3,203	US$3,709
48	US$3,339	US$3,831
49	US$3,483	US$3,941
50	US$3,637	US$4,053
51	US$3,794	US$4,167
52	US$3,960	US$4,287
53	US$4,134	US$4,408
54	US$4,323	US$4,520
55	US$4,520	US$4,637
56	US$4,728	US$4,756
57	US$4,944	US$4,876
58	US$5,170	US$5,000
59	US$5,348	US$5,192
60	US$5,528	US$5,391
61	US$5,719	US$5,596
62	US$5,914	US$5,810
63	US$6,116	US$6,033
64	US$6,428	US$6,306
65	US$6,753	US$6,594
66	US$7,097	US$6,895
67	US$7,455	US$7,212
68	US$7,834	US$7,542
69	US$8,199	US$7,886
70	US$8,585	US$8,244
71	US$8,985	US$8,623
72	US$9,406	US$9,016
73	US$9,848	US$9,430
74	US$10,248	US$9,779
75	US$10,662	US$10,144
76	US$11,096	US$10,520
77	US$11,544	US$10,915
78	US$12,013	US$11,318
79	US$12,445	US$11,696
80	US$12,877	US$12,074
81	US$13,311	US$12,453
82	US$13,744	US$12,831
83	US$14,175	US$13,210
84	US$14,584	US$13,565
85	US$15,005	US$13,932
86	US$15,436	US$14,311
87	US$15,882	US$14,700
88	US$16,340	US$15,097
89	US$16,751	US$15,457
90	US$17,174	US$15,826
91	US$17,604	US$16,204
92	US$18,049	US$16,591
93	US$18,505	US$16,986
94	US$18,918	US$17,347
95	US$19,341	US$17,716
96	US$19,774	US$18,096
97	US$20,216	US$18,481
98	US$20,610	US$18,875
99	US$21,011	US$19,270
100	US$21,413	US$19,665

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)

Current page

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.