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VHIS Flexi · F00027-08-001-03

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

安達自願醫保（靈活）計劃 - 私家及附加額外保障(美元)

Chubb Life Insurance Hong Kong Limited

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Your premium

US$2,232 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

US$128,205

Per-illness annual limit

—

Lifetime benefit limit

—

SMM Supplemental Major Medical

US$503,209

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
Supplementary Major Medical Benefit 額外醫療保障	US$64,103 per Policy Year; subject to 30% Coinsurance (70% reimbursement rate)
Hospital companion bed fee reimbursement 住院陪床費	$128 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	$256 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 $256 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	$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
Supplementary Major Medical Benefit
額外醫療保障
US$64,103 per Policy Year; subject to 30% Coinsurance (70% reimbursement rate)
Hospital companion bed fee reimbursement
住院陪床費
$128 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
$256 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 $256 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
$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$2,840	US$2,739
1	US$2,139	US$2,139
2	US$2,139	US$2,139
3	US$2,139	US$2,139
4	US$2,139	US$2,139
5	US$2,139	US$2,139
6	US$1,939	US$1,917
7	US$1,939	US$1,917
8	US$1,939	US$1,917
9	US$1,939	US$1,917
10	US$1,915	US$1,893
11	US$1,891	US$1,869
12	US$1,866	US$1,845
13	US$1,842	US$1,821
14	US$1,818	US$1,797
15	US$1,818	US$1,797
16	US$1,836	US$1,830
17	US$1,855	US$1,860
18	US$1,870	US$1,891
19	US$1,904	US$1,965
20	US$1,934	US$2,038
21	US$1,942	US$2,088
22	US$1,950	US$2,142
23	US$1,957	US$2,197
24	US$1,992	US$2,253
25	US$2,027	US$2,310
26	US$2,061	US$2,366
27	US$2,099	US$2,427
28	US$2,136	US$2,488
29	US$2,182	US$2,576
30	US$2,232	US$2,662
31	US$2,281	US$2,757
32	US$2,334	US$2,850
33	US$2,389	US$2,951
34	US$2,472	US$3,053
35	US$2,558	US$3,158
36	US$2,648	US$3,272
37	US$2,742	US$3,384
38	US$2,840	US$3,501
39	US$2,957	US$3,624
40	US$3,082	US$3,752
41	US$3,219	US$3,890
42	US$3,354	US$4,024
43	US$3,496	US$4,165
44	US$3,647	US$4,290
45	US$3,807	US$4,421
46	US$3,971	US$4,552
47	US$4,144	US$4,690
48	US$4,327	US$4,832
49	US$4,579	US$4,980
50	US$4,853	US$5,132
51	US$5,140	US$5,287
52	US$5,445	US$5,450
53	US$5,770	US$5,616
54	US$6,113	US$5,888
55	US$6,476	US$6,165
56	US$6,861	US$6,462
57	US$7,273	US$6,770
58	US$7,705	US$7,094
59	US$7,958	US$7,342
60	US$8,220	US$7,601
61	US$8,491	US$7,865
62	US$8,769	US$8,142
63	US$9,055	US$8,430
64	US$9,408	US$8,698
65	US$9,774	US$8,980
66	US$10,152	US$9,270
67	US$10,547	US$9,566
68	US$10,957	US$9,876
69	US$11,318	US$10,264
70	US$11,693	US$10,670
71	US$12,082	US$11,088
72	US$12,482	US$11,525
73	US$12,896	US$11,979
74	US$13,311	US$12,432
75	US$13,984	US$13,071
76	US$14,657	US$13,710
77	US$15,331	US$14,349
78	US$16,004	US$14,988
79	US$16,678	US$15,628
80	US$17,351	US$16,267
81	US$17,937	US$16,779
82	US$18,522	US$17,288
83	US$19,103	US$17,801
84	US$19,656	US$18,280
85	US$20,225	US$18,775
86	US$20,806	US$19,287
87	US$21,408	US$19,812
88	US$22,026	US$20,347
89	US$22,582	US$20,834
90	US$23,152	US$21,333
91	US$23,733	US$21,843
92	US$24,333	US$22,366
93	US$24,949	US$22,899
94	US$25,507	US$23,385
95	US$26,077	US$23,884
96	US$26,662	US$24,396
97	US$27,259	US$24,917
98	US$27,790	US$25,448
99	US$28,332	US$25,982
100	US$28,874	US$26,516

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)

Current page

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.