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VHIS Flexi · F00056-05-000-03

VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD75,000 Deductible

自願醫保系列－靈活計劃（優越） - 半私家病房 - 75,000 港元自付費

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$3,575 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia

Deductible

HK$75,000

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
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

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$4,245	—
1	HK$3,820	—
2	HK$3,395	—
3	HK$3,395	—
4	HK$3,395	—
5	HK$3,315	—
6	HK$3,234	—
7	HK$3,152	—
8	HK$3,072	—
9	HK$2,992	—
10	HK$2,910	—
11	HK$2,830	—
12	HK$2,749	—
13	HK$2,668	—
14	HK$2,587	—
15	HK$2,506	—
16	HK$2,535	—
17	HK$2,556	—
18	HK$2,570	HK$2,908
19	HK$2,672	HK$3,024
20	HK$2,773	HK$3,139
21	HK$2,844	HK$3,219
22	HK$2,918	HK$3,303
23	HK$2,993	HK$3,388
24	HK$3,070	HK$3,475
25	HK$3,149	HK$3,564
26	HK$3,230	HK$3,656
27	HK$3,313	HK$3,750
28	HK$3,398	HK$3,847
29	HK$3,486	HK$3,946
30	HK$3,575	HK$4,046
31	HK$3,668	HK$4,152
32	HK$3,761	HK$4,258
33	HK$3,858	HK$4,367
34	HK$3,958	HK$4,480
35	HK$4,060	HK$4,595
36	HK$4,163	HK$4,713
37	HK$4,271	HK$4,834
38	HK$4,381	HK$4,958
39	HK$4,493	HK$5,086
40	HK$4,627	HK$5,237
41	HK$4,811	HK$5,446
42	HK$5,020	HK$5,683
43	HK$5,240	HK$5,931
44	HK$5,469	HK$6,190
45	HK$5,707	HK$6,460
46	HK$5,958	HK$6,743
47	HK$6,217	HK$7,037
48	HK$6,490	HK$7,344
49	HK$6,772	HK$7,665
50	HK$7,067	HK$8,000
51	HK$7,414	HK$8,392
52	HK$7,778	HK$8,804
53	HK$8,159	HK$9,234
54	HK$8,559	HK$9,687
55	HK$8,977	HK$10,162
56	HK$9,418	HK$10,660
57	HK$9,879	HK$11,182
58	HK$10,363	HK$11,729
59	HK$10,871	HK$12,305
60	HK$11,404	HK$12,908
61	HK$11,963	HK$13,540
62	HK$12,549	HK$14,204
63	HK$13,163	HK$14,899
64	HK$13,808	HK$15,630
65	HK$14,485	HK$16,396
66	HK$15,195	HK$17,199
67	HK$15,939	HK$18,042
68	HK$16,721	HK$18,926
69	HK$17,539	HK$19,852
70	HK$18,399	HK$20,826
71	HK$19,301	HK$21,846
72	HK$20,247	HK$22,916
73	HK$21,238	HK$24,039
74	HK$22,278	HK$25,217
75	HK$23,371	HK$26,453
76	HK$24,516	HK$27,749
77	HK$25,717	HK$29,108
78	HK$26,977	HK$30,535
79	HK$28,299	HK$32,032
80	HK$29,686	HK$33,600
81	HK$30,993	HK$35,079
82	HK$32,356	HK$36,623
83	HK$33,780	HK$38,234
84	HK$35,266	HK$39,917
85	HK$36,818	HK$41,673
86	HK$38,438	HK$43,506
87	HK$40,129	HK$45,421
88	HK$41,895	HK$47,419
89	HK$43,737	HK$49,506
90	HK$45,662	HK$51,685
91	HK$47,672	HK$53,958
92	HK$49,769	HK$56,332
93	HK$51,959	HK$58,811
94	HK$54,245	HK$61,399
95	HK$56,632	HK$64,101
96	HK$59,124	HK$66,921
97	HK$61,725	HK$69,866
98	HK$64,441	HK$72,940
99	HK$67,276	HK$76,148

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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HK$75K

Current page

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.