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VHIS Flexi · F00056-04-000-03

VHIS Series - Flexi Plan (Superior) - Semi-Private Room - HKD50,000 Deductible

自願醫保系列－靈活計劃（優越） - 半私家病房 - 50,000 港元自付費

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$4,217 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia

Deductible

HK$50,000

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$5,010	—
1	HK$4,509	—
2	HK$4,005	—
3	HK$4,005	—
4	HK$4,005	—
5	HK$3,910	—
6	HK$3,815	—
7	HK$3,719	—
8	HK$3,624	—
9	HK$3,529	—
10	HK$3,434	—
11	HK$3,337	—
12	HK$3,242	—
13	HK$3,147	—
14	HK$3,052	—
15	HK$2,956	—
16	HK$2,992	—
17	HK$3,015	—
18	HK$3,032	HK$3,432
19	HK$3,152	HK$3,568
20	HK$3,272	HK$3,704
21	HK$3,357	HK$3,800
22	HK$3,443	HK$3,898
23	HK$3,531	HK$3,997
24	HK$3,622	HK$4,099
25	HK$3,715	HK$4,205
26	HK$3,811	HK$4,314
27	HK$3,909	HK$4,424
28	HK$4,009	HK$4,538
29	HK$4,113	HK$4,655
30	HK$4,217	HK$4,773
31	HK$4,327	HK$4,897
32	HK$4,438	HK$5,024
33	HK$4,551	HK$5,151
34	HK$4,668	HK$5,284
35	HK$4,788	HK$5,419
36	HK$4,911	HK$5,559
37	HK$5,039	HK$5,703
38	HK$5,168	HK$5,850
39	HK$5,301	HK$5,999
40	HK$5,459	HK$6,179
41	HK$5,673	HK$6,421
42	HK$5,921	HK$6,702
43	HK$6,179	HK$6,995
44	HK$6,449	HK$7,300
45	HK$6,730	HK$7,618
46	HK$7,027	HK$7,954
47	HK$7,333	HK$8,299
48	HK$7,652	HK$8,661
49	HK$7,985	HK$9,038
50	HK$8,335	HK$9,435
51	HK$8,744	HK$9,897
52	HK$9,172	HK$10,381
53	HK$9,621	HK$10,890
54	HK$10,093	HK$11,424
55	HK$10,588	HK$11,983
56	HK$11,107	HK$12,571
57	HK$11,651	HK$13,188
58	HK$12,223	HK$13,834
59	HK$12,822	HK$14,512
60	HK$13,450	HK$15,224
61	HK$14,109	HK$15,970
62	HK$14,800	HK$16,752
63	HK$15,526	HK$17,573
64	HK$16,286	HK$18,434
65	HK$17,085	HK$19,338
66	HK$17,921	HK$20,285
67	HK$18,800	HK$21,279
68	HK$19,721	HK$22,322
69	HK$20,687	HK$23,415
70	HK$21,701	HK$24,562
71	HK$22,764	HK$25,767
72	HK$23,879	HK$27,029
73	HK$25,050	HK$28,353
74	HK$26,277	HK$29,743
75	HK$27,564	HK$31,199
76	HK$28,915	HK$32,728
77	HK$30,331	HK$34,332
78	HK$31,818	HK$36,014
79	HK$33,377	HK$37,778
80	HK$35,011	HK$39,629
81	HK$36,552	HK$41,373
82	HK$38,160	HK$43,193
83	HK$39,839	HK$45,093
84	HK$41,592	HK$47,077
85	HK$43,422	HK$49,148
86	HK$45,333	HK$51,311
87	HK$47,327	HK$53,569
88	HK$49,409	HK$55,926
89	HK$51,584	HK$58,387
90	HK$53,853	HK$60,955
91	HK$56,223	HK$63,637
92	HK$58,697	HK$66,438
93	HK$61,280	HK$69,361
94	HK$63,976	HK$72,413
95	HK$66,792	HK$75,600
96	HK$69,731	HK$78,927
97	HK$72,799	HK$82,400
98	HK$76,002	HK$86,025
99	HK$79,346	HK$89,809

Other deductible options in this series

8 deductibles — same benefit schedule, premium scales with deductible

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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.