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VHIS Flexi · F00056-03-000-03

VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD25,000 Deductible

自願醫保系列－靈活計劃（優越） - 半私家病房 - 25,000 港元自付費

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$5,043 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia

Deductible

HK$25,000

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$5,988	—
1	HK$5,389	—
2	HK$4,790	—
3	HK$4,790	—
4	HK$4,790	—
5	HK$4,677	—
6	HK$4,562	—
7	HK$4,449	—
8	HK$4,335	—
9	HK$4,220	—
10	HK$4,107	—
11	HK$3,992	—
12	HK$3,879	—
13	HK$3,764	—
14	HK$3,650	—
15	HK$3,536	—
16	HK$3,575	—
17	HK$3,605	—
18	HK$3,624	HK$4,102
19	HK$3,769	HK$4,265
20	HK$3,913	HK$4,429
21	HK$4,011	HK$4,541
22	HK$4,116	HK$4,659
23	HK$4,223	HK$4,781
24	HK$4,330	HK$4,902
25	HK$4,442	HK$5,027
26	HK$4,557	HK$5,158
27	HK$4,673	HK$5,289
28	HK$4,793	HK$5,425
29	HK$4,917	HK$5,566
30	HK$5,043	HK$5,708
31	HK$5,173	HK$5,855
32	HK$5,305	HK$6,005
33	HK$5,441	HK$6,159
34	HK$5,582	HK$6,319
35	HK$5,725	HK$6,479
36	HK$5,871	HK$6,646
37	HK$6,025	HK$6,820
38	HK$6,178	HK$6,993
39	HK$6,338	HK$7,173
40	HK$6,526	HK$7,387
41	HK$6,784	HK$7,678
42	HK$7,080	HK$8,014
43	HK$7,390	HK$8,365
44	HK$7,714	HK$8,731
45	HK$8,050	HK$9,111
46	HK$8,401	HK$9,508
47	HK$8,768	HK$9,923
48	HK$9,150	HK$10,356
49	HK$9,551	HK$10,811
50	HK$9,967	HK$11,282
51	HK$10,455	HK$11,834
52	HK$10,968	HK$12,414
53	HK$11,505	HK$13,022
54	HK$12,069	HK$13,660
55	HK$12,660	HK$14,330
56	HK$13,281	HK$15,032
57	HK$13,931	HK$15,769
58	HK$14,614	HK$16,542
59	HK$15,330	HK$17,352
60	HK$16,081	HK$18,202
61	HK$16,869	HK$19,094
62	HK$17,695	HK$20,028
63	HK$18,561	HK$21,009
64	HK$19,471	HK$22,039
65	HK$20,425	HK$23,119
66	HK$21,426	HK$24,251
67	HK$22,475	HK$25,440
68	HK$23,576	HK$26,685
69	HK$24,732	HK$27,993
70	HK$25,944	HK$29,366
71	HK$27,215	HK$30,804
72	HK$28,549	HK$32,314
73	HK$29,947	HK$33,897
74	HK$31,414	HK$35,557
75	HK$32,954	HK$37,300
76	HK$34,568	HK$39,128
77	HK$36,262	HK$41,045
78	HK$38,040	HK$43,056
79	HK$39,904	HK$45,166
80	HK$41,858	HK$47,379
81	HK$43,700	HK$49,463
82	HK$45,623	HK$51,640
83	HK$47,630	HK$53,911
84	HK$49,726	HK$56,284
85	HK$51,914	HK$58,761
86	HK$54,199	HK$61,346
87	HK$56,584	HK$64,046
88	HK$59,074	HK$66,864
89	HK$61,673	HK$69,806
90	HK$64,386	HK$72,877
91	HK$67,220	HK$76,084
92	HK$70,177	HK$79,432
93	HK$73,265	HK$82,927
94	HK$76,489	HK$86,577
95	HK$79,854	HK$90,385
96	HK$83,368	HK$94,362
97	HK$87,036	HK$98,514
98	HK$90,865	HK$102,849
99	HK$94,864	HK$107,375

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$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.