VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD0 Deductible

自願醫保系列－靈活計劃（優越） - 半私家病房 - 0 港元自付費

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$9,423 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia

Deductible

Annual benefit limit

HK$30,000,000

Per-illness annual limit

—

Lifetime benefit limit

—

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	No monetary cap, maximum 180 days per Policy YearR&C
(b) Miscellaneous charges (b) 雜項開支	No monetary capR&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	No monetary cap, maximum 180 days per Policy YearR&C
(d) Specialist's fee (d) 專科醫生費	No monetary capR&C
(e) Intensive care (e) 深切治療	No monetary cap, maximum 25 days per Policy YearR&C
Surgeon's fee — Minor 外科醫生費 — 小型	No monetary capR&C
Surgeon's fee — Intermediate 外科醫生費 — 中型	No monetary capR&C
Surgeon's fee — Major 外科醫生費 — 大型	No monetary capR&C
Surgeon's fee — Complex 外科醫生費 — 複雜	No monetary capR&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	No monetary capR&C
(h) Operating theatre charges (h) 手術室費	No monetary capR&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	No monetary capR&C
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	No monetary capR&C
(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	No monetary cap1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure;All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure;All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C
(l) Psychiatric treatments (l) 精神科治療	No monetary capR&C
Extra Benefits
Outpatient kidney dialysis 門診腎透析	No monetary capR&C
Daily post-surgery home nursing benefit 出院後家中看護	$1,000 per day, maximum 90 days per Policy Year
Deductible for items (a)–(n) 保障項目(a) – (n)的自付費	$0 per Policy Year
Event Benefits
Compassionate death benefit 身故恩恤保障	$40,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
No monetary cap, maximum 180 days per Policy YearR&C
(b) Miscellaneous charges
(b) 雜項開支
No monetary capR&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
No monetary cap, maximum 180 days per Policy YearR&C
(d) Specialist's fee
(d) 專科醫生費
No monetary capR&C
(e) Intensive care
(e) 深切治療
No monetary cap, maximum 25 days per Policy YearR&C
Surgeon's fee — Minor
外科醫生費 — 小型
No monetary capR&C
Surgeon's fee — Intermediate
外科醫生費 — 中型
No monetary capR&C
Surgeon's fee — Major
外科醫生費 — 大型
No monetary capR&C
Surgeon's fee — Complex
外科醫生費 — 複雜
No monetary capR&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
No monetary capR&C
(h) Operating theatre charges
(h) 手術室費
No monetary capR&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
No monetary capR&C
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
No monetary capR&C
(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
No monetary cap1 outpatient visit or Emergency consultation more than 30 days before Confinement/Day Case Procedure;All outpatient visits or Emergency consultations within 30 days before Confinement/Day Case Procedure;All follow-up outpatient visits within 90 days after discharge from Hospital or completion of Day Case ProcedureR&C
(l) Psychiatric treatments
(l) 精神科治療
No monetary capR&C

Extra Benefits

Outpatient kidney dialysis
門診腎透析
No monetary capR&C
Daily post-surgery home nursing benefit
出院後家中看護
$1,000 per day, maximum 90 days per Policy Year
Deductible for items (a)–(n)
保障項目(a) – (n)的自付費
$0 per Policy Year

Event Benefits

Compassionate death benefit
身故恩恤保障
$40,000

Premium Schedule

Annual premium · Premium varies by smoking (gender-agnostic) · HKD

Age	Non-smoker	Smoker
0	HK$11,188	—
1	HK$10,069	—
2	HK$8,951	—
3	HK$8,951	—
4	HK$8,951	—
5	HK$8,737	—
6	HK$8,524	—
7	HK$8,311	—
8	HK$8,098	—
9	HK$7,885	—
10	HK$7,671	—
11	HK$7,459	—
12	HK$7,246	—
13	HK$7,032	—
14	HK$6,819	—
15	HK$6,607	—
16	HK$6,681	—
17	HK$6,738	—
18	HK$6,774	HK$7,663
19	HK$7,042	HK$7,967
20	HK$7,311	HK$8,270
21	HK$7,498	HK$8,482
22	HK$7,692	HK$8,702
23	HK$7,888	HK$8,924
24	HK$8,093	HK$9,155
25	HK$8,301	HK$9,390
26	HK$8,514	HK$9,632
27	HK$8,732	HK$9,878
28	HK$8,957	HK$10,134
29	HK$9,188	HK$10,395
30	HK$9,423	HK$10,660
31	HK$9,668	HK$10,938
32	HK$9,915	HK$11,218
33	HK$10,171	HK$11,506
34	HK$10,434	HK$11,804
35	HK$10,701	HK$12,106
36	HK$10,976	HK$12,417
37	HK$11,260	HK$12,738
38	HK$11,548	HK$13,064
39	HK$11,844	HK$13,399
40	HK$12,197	HK$13,798
41	HK$12,682	HK$14,347
42	HK$13,234	HK$14,972
43	HK$13,813	HK$15,626
44	HK$14,417	HK$16,309
45	HK$15,046	HK$17,022
46	HK$15,704	HK$17,765
47	HK$16,388	HK$18,539
48	HK$17,105	HK$19,351
49	HK$17,852	HK$20,196
50	HK$18,631	HK$21,077
51	HK$19,544	HK$22,110
52	HK$20,502	HK$23,194
53	HK$21,506	HK$24,330
54	HK$22,560	HK$25,523
55	HK$23,665	HK$26,772
56	HK$24,825	HK$28,085
57	HK$26,041	HK$29,460
58	HK$27,317	HK$30,904
59	HK$28,656	HK$32,420
60	HK$30,060	HK$34,007
61	HK$31,533	HK$35,673
62	HK$33,078	HK$37,421
63	HK$34,698	HK$39,255
64	HK$36,399	HK$41,179
65	HK$38,182	HK$43,196
66	HK$40,053	HK$45,313
67	HK$42,016	HK$47,533
68	HK$44,075	HK$49,862
69	HK$46,234	HK$52,305
70	HK$48,500	HK$54,869
71	HK$50,876	HK$57,557
72	HK$53,369	HK$60,377
73	HK$55,983	HK$63,335
74	HK$58,727	HK$66,438
75	HK$61,604	HK$69,694
76	HK$64,623	HK$73,109
77	HK$67,790	HK$76,691
78	HK$71,112	HK$80,450
79	HK$74,597	HK$84,392
80	HK$78,252	HK$88,527
81	HK$81,695	HK$92,422
82	HK$85,290	HK$96,489
83	HK$89,043	HK$100,735
84	HK$92,961	HK$105,168
85	HK$97,051	HK$109,795
86	HK$101,321	HK$114,625
87	HK$105,779	HK$119,670
88	HK$110,433	HK$124,935
89	HK$115,292	HK$130,432
90	HK$120,365	HK$136,171
91	HK$125,662	HK$142,163
92	HK$131,190	HK$148,418
93	HK$136,963	HK$154,949
94	HK$142,990	HK$161,766
95	HK$149,282	HK$168,885
96	HK$155,850	HK$176,315
97	HK$162,708	HK$184,073
98	HK$169,866	HK$192,172
99	HK$177,341	HK$200,628

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

HK$0

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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: Nov 1, 2022
Last verified: 2026-04-18

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.