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VHIS Flexi · F00056-02-000-03

VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD15,000 Deductible

自願醫保系列－靈活計劃（優越） - 半私家病房 - 15,000 港元自付費

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$5,683 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia

Deductible

HK$15,000

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$6,747	—
1	HK$6,072	—
2	HK$5,398	—
3	HK$5,398	—
4	HK$5,398	—
5	HK$5,270	—
6	HK$5,141	—
7	HK$5,012	—
8	HK$4,883	—
9	HK$4,755	—
10	HK$4,627	—
11	HK$4,498	—
12	HK$4,370	—
13	HK$4,241	—
14	HK$4,113	—
15	HK$3,985	—
16	HK$4,030	—
17	HK$4,063	—
18	HK$4,085	HK$4,624
19	HK$4,248	HK$4,808
20	HK$4,409	HK$4,991
21	HK$4,522	HK$5,119
22	HK$4,638	HK$5,251
23	HK$4,757	HK$5,385
24	HK$4,880	HK$5,524
25	HK$5,005	HK$5,666
26	HK$5,135	HK$5,812
27	HK$5,267	HK$5,961
28	HK$5,401	HK$6,114
29	HK$5,542	HK$6,272
30	HK$5,683	HK$6,432
31	HK$5,830	HK$6,599
32	HK$5,980	HK$6,769
33	HK$6,134	HK$6,943
34	HK$6,293	HK$7,122
35	HK$6,453	HK$7,304
36	HK$6,620	HK$7,493
37	HK$6,790	HK$7,686
38	HK$6,965	HK$7,883
39	HK$7,142	HK$8,085
40	HK$7,355	HK$8,325
41	HK$7,648	HK$8,657
42	HK$7,982	HK$9,035
43	HK$8,331	HK$9,430
44	HK$8,695	HK$9,842
45	HK$9,074	HK$10,270
46	HK$9,472	HK$10,721
47	HK$9,884	HK$11,187
48	HK$10,316	HK$11,676
49	HK$10,766	HK$12,186
50	HK$11,236	HK$12,718
51	HK$11,787	HK$13,342
52	HK$12,365	HK$13,996
53	HK$12,971	HK$14,681
54	HK$13,606	HK$15,401
55	HK$14,273	HK$16,155
56	HK$14,973	HK$16,947
57	HK$15,707	HK$17,778
58	HK$16,476	HK$18,649
59	HK$17,284	HK$19,563
60	HK$18,130	HK$20,521
61	HK$19,018	HK$21,526
62	HK$19,950	HK$22,582
63	HK$20,928	HK$23,688
64	HK$21,953	HK$24,849
65	HK$23,029	HK$26,065
66	HK$24,157	HK$27,344
67	HK$25,341	HK$28,682
68	HK$26,582	HK$30,087
69	HK$27,884	HK$31,562
70	HK$29,251	HK$33,108
71	HK$30,684	HK$34,731
72	HK$32,188	HK$36,432
73	HK$33,765	HK$38,218
74	HK$35,419	HK$40,090
75	HK$37,155	HK$42,054
76	HK$38,975	HK$44,114
77	HK$40,885	HK$46,277
78	HK$42,888	HK$48,544
79	HK$44,989	HK$50,923
80	HK$47,193	HK$53,418
81	HK$49,270	HK$55,768
82	HK$51,438	HK$58,221
83	HK$53,701	HK$60,783
84	HK$56,064	HK$63,458
85	HK$58,530	HK$66,249
86	HK$61,106	HK$69,164
87	HK$63,794	HK$72,208
88	HK$66,601	HK$75,384
89	HK$69,532	HK$78,701
90	HK$72,591	HK$82,164
91	HK$75,785	HK$85,780
92	HK$79,119	HK$89,553
93	HK$82,600	HK$93,493
94	HK$86,235	HK$97,607
95	HK$90,029	HK$101,902
96	HK$93,990	HK$106,385
97	HK$98,125	HK$111,067
98	HK$102,443	HK$115,953
99	HK$106,951	HK$121,055

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

HK$0

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HK$0

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HK$15K

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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.