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VHIS Flexi · F00056-08-000-02

VHIS Series - Flexi Plan (Superior) - Standard Ward - HKD25,000 Deductible

自願醫保系列－靈活計劃（優越） - 普通病房 - 25,000 港元自付費

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$4,034 /yr

age

Ward class

Ward

Coverage region

Asia

Deductible

HK$25,000

Annual benefit limit

HK$5,000,000

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	$800 per day, maximum 90 days per Policy Year
Event Benefits
Compassionate death benefit 身故恩恤保障	$10,000

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
$800 per day, maximum 90 days per Policy Year

Event Benefits

Compassionate death benefit
身故恩恤保障
$10,000

Premium Schedule

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

Age	Non-smoker	Smoker
0	HK$4,790	—
1	HK$4,311	—
2	HK$3,832	—
3	HK$3,832	—
4	HK$3,832	—
5	HK$3,742	—
6	HK$3,650	—
7	HK$3,559	—
8	HK$3,468	—
9	HK$3,376	—
10	HK$3,285	—
11	HK$3,194	—
12	HK$3,103	—
13	HK$3,011	—
14	HK$2,920	—
15	HK$2,829	—
16	HK$2,860	—
17	HK$2,884	—
18	HK$2,899	HK$3,281
19	HK$3,015	HK$3,412
20	HK$3,130	HK$3,543
21	HK$3,209	HK$3,633
22	HK$3,293	HK$3,727
23	HK$3,379	HK$3,825
24	HK$3,464	HK$3,921
25	HK$3,553	HK$4,022
26	HK$3,646	HK$4,126
27	HK$3,738	HK$4,231
28	HK$3,834	HK$4,340
29	HK$3,933	HK$4,452
30	HK$4,034	HK$4,567
31	HK$4,139	HK$4,684
32	HK$4,244	HK$4,804
33	HK$4,353	HK$4,927
34	HK$4,466	HK$5,055
35	HK$4,580	HK$5,183
36	HK$4,697	HK$5,317
37	HK$4,820	HK$5,456
38	HK$4,943	HK$5,595
39	HK$5,070	HK$5,739
40	HK$5,221	HK$5,910
41	HK$5,427	HK$6,142
42	HK$5,664	HK$6,411
43	HK$5,912	HK$6,692
44	HK$6,171	HK$6,985
45	HK$6,440	HK$7,289
46	HK$6,720	HK$7,606
47	HK$7,014	HK$7,939
48	HK$7,320	HK$8,285
49	HK$7,641	HK$8,648
50	HK$7,974	HK$9,025
51	HK$8,364	HK$9,467
52	HK$8,774	HK$9,931
53	HK$9,204	HK$10,418
54	HK$9,655	HK$10,928
55	HK$10,128	HK$11,464
56	HK$10,625	HK$12,026
57	HK$11,145	HK$12,615
58	HK$11,691	HK$13,233
59	HK$12,264	HK$13,881
60	HK$12,865	HK$14,562
61	HK$13,495	HK$15,275
62	HK$14,156	HK$16,022
63	HK$14,849	HK$16,807
64	HK$15,577	HK$17,631
65	HK$16,340	HK$18,495
66	HK$17,141	HK$19,401
67	HK$17,980	HK$20,352
68	HK$18,861	HK$21,348
69	HK$19,786	HK$22,395
70	HK$20,755	HK$23,493
71	HK$21,772	HK$24,644
72	HK$22,839	HK$25,851
73	HK$23,958	HK$27,117
74	HK$25,131	HK$28,446
75	HK$26,363	HK$29,840
76	HK$27,655	HK$31,302
77	HK$29,010	HK$32,836
78	HK$30,432	HK$34,445
79	HK$31,923	HK$36,133
80	HK$33,487	HK$37,903
81	HK$34,960	HK$39,570
82	HK$36,498	HK$41,312
83	HK$38,104	HK$43,129
84	HK$39,781	HK$45,027
85	HK$41,531	HK$47,009
86	HK$43,359	HK$49,077
87	HK$45,267	HK$51,237
88	HK$47,259	HK$53,491
89	HK$49,338	HK$55,845
90	HK$51,509	HK$58,302
91	HK$53,776	HK$60,867
92	HK$56,142	HK$63,545
93	HK$58,612	HK$66,342
94	HK$61,191	HK$69,261
95	HK$63,883	HK$72,308
96	HK$66,694	HK$75,490
97	HK$69,629	HK$78,811
98	HK$72,692	HK$82,279
99	HK$75,891	HK$85,900

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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HK$25K

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HK$50K

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HK$75K

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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.