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VHIS Flexi · F00027-04-001-03

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

安達自願醫保（靈活）計劃 - 私家及附加額外保障(港元)

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$17,408 /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

—

SMM Supplemental Major Medical

HK$500,000

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	$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
Hospital companion bed fee reimbursement 住院陪床費	$1,000 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	$2,000 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 $2,000 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	$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
Hospital companion bed fee reimbursement
住院陪床費
$1,000 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
$2,000 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 $2,000 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
$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$22,152	HK$21,367
1	HK$16,684	HK$16,684
2	HK$16,684	HK$16,684
3	HK$16,684	HK$16,684
4	HK$16,684	HK$16,684
5	HK$16,684	HK$16,684
6	HK$15,125	HK$14,949
7	HK$15,125	HK$14,949
8	HK$15,125	HK$14,949
9	HK$15,125	HK$14,949
10	HK$14,935	HK$14,762
11	HK$14,747	HK$14,576
12	HK$14,557	HK$14,388
13	HK$14,368	HK$14,202
14	HK$14,179	HK$14,014
15	HK$14,179	HK$14,014
16	HK$14,321	HK$14,273
17	HK$14,472	HK$14,508
18	HK$14,586	HK$14,747
19	HK$14,848	HK$15,329
20	HK$15,087	HK$15,897
21	HK$15,150	HK$16,285
22	HK$15,212	HK$16,710
23	HK$15,262	HK$17,134
24	HK$15,535	HK$17,571
25	HK$15,809	HK$18,020
26	HK$16,073	HK$18,456
27	HK$16,373	HK$18,932
28	HK$16,658	HK$19,406
29	HK$17,020	HK$20,091
30	HK$17,408	HK$20,765
31	HK$17,794	HK$21,504
32	HK$18,206	HK$22,227
33	HK$18,632	HK$23,014
34	HK$19,280	HK$23,812
35	HK$19,953	HK$24,635
36	HK$20,655	HK$25,522
37	HK$21,389	HK$26,396
38	HK$22,152	HK$27,306
39	HK$23,061	HK$28,268
40	HK$24,036	HK$29,266
41	HK$25,110	HK$30,339
42	HK$26,159	HK$31,389
43	HK$27,268	HK$32,486
44	HK$28,443	HK$33,461
45	HK$29,691	HK$34,483
46	HK$30,976	HK$35,507
47	HK$32,324	HK$36,581
48	HK$33,748	HK$37,691
49	HK$35,719	HK$38,841
50	HK$37,854	HK$40,027
51	HK$40,090	HK$41,237
52	HK$42,473	HK$42,509
53	HK$45,006	HK$43,808
54	HK$47,678	HK$45,928
55	HK$50,512	HK$48,089
56	HK$53,519	HK$50,400
57	HK$56,728	HK$52,808
58	HK$60,096	HK$55,331
59	HK$62,070	HK$57,264
60	HK$64,116	HK$59,288
61	HK$66,226	HK$61,345
62	HK$68,397	HK$63,506
63	HK$70,632	HK$65,752
64	HK$73,379	HK$67,848
65	HK$76,238	HK$70,047
66	HK$79,184	HK$72,307
67	HK$82,266	HK$74,614
68	HK$85,461	HK$77,036
69	HK$88,282	HK$80,057
70	HK$91,206	HK$83,227
71	HK$94,236	HK$86,486
72	HK$97,358	HK$89,894
73	HK$100,590	HK$93,438
74	HK$103,824	HK$96,970
75	HK$109,076	HK$101,955
76	HK$114,328	HK$106,940
77	HK$119,582	HK$111,923
78	HK$124,834	HK$116,910
79	HK$130,085	HK$121,895
80	HK$135,340	HK$126,879
81	HK$139,905	HK$130,873
82	HK$144,472	HK$134,850
83	HK$149,005	HK$138,845
84	HK$153,319	HK$142,584
85	HK$157,752	HK$146,444
86	HK$162,284	HK$150,437
87	HK$166,986	HK$154,532
88	HK$171,804	HK$158,710
89	HK$176,136	HK$162,504
90	HK$180,585	HK$166,396
91	HK$185,119	HK$170,373
92	HK$189,801	HK$174,451
93	HK$194,605	HK$178,613
94	HK$198,952	HK$182,405
95	HK$203,400	HK$186,297
96	HK$207,967	HK$190,290
97	HK$212,619	HK$194,353
98	HK$216,764	HK$198,498
99	HK$220,989	HK$202,660
100	HK$225,217	HK$206,821

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.