VHIS Series - Flexi Plan (Superior) - Standard Ward - HKD0 Deductible

自願醫保系列－靈活計劃（優越） - 普通病房 - 0 港元自付費

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$8,480 /yr

age

Ward class

Ward

Coverage region

Asia

Deductible

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
Deductible for items (a)–(n) 保障項目(a) – (n)的自付費	$0 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
Deductible for items (a)–(n)
保障項目(a) – (n)的自付費
$0 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$10,069	—
1	HK$9,062	—
2	HK$8,056	—
3	HK$8,056	—
4	HK$8,056	—
5	HK$7,864	—
6	HK$7,672	—
7	HK$7,479	—
8	HK$7,288	—
9	HK$7,096	—
10	HK$6,904	—
11	HK$6,713	—
12	HK$6,521	—
13	HK$6,329	—
14	HK$6,137	—
15	HK$5,946	—
16	HK$6,013	—
17	HK$6,064	—
18	HK$6,096	HK$6,897
19	HK$6,338	HK$7,170
20	HK$6,580	HK$7,443
21	HK$6,748	HK$7,634
22	HK$6,923	HK$7,832
23	HK$7,099	HK$8,032
24	HK$7,283	HK$8,239
25	HK$7,471	HK$8,451
26	HK$7,663	HK$8,669
27	HK$7,859	HK$8,891
28	HK$8,062	HK$9,120
29	HK$8,269	HK$9,355
30	HK$8,480	HK$9,594
31	HK$8,701	HK$9,844
32	HK$8,924	HK$10,096
33	HK$9,154	HK$10,355
34	HK$9,390	HK$10,623
35	HK$9,631	HK$10,895
36	HK$9,878	HK$11,176
37	HK$10,134	HK$11,464
38	HK$10,393	HK$11,757
39	HK$10,659	HK$12,059
40	HK$10,977	HK$12,419
41	HK$11,414	HK$12,912
42	HK$11,911	HK$13,475
43	HK$12,431	HK$14,064
44	HK$12,975	HK$14,678
45	HK$13,541	HK$15,320
46	HK$14,133	HK$15,989
47	HK$14,749	HK$16,685
48	HK$15,395	HK$17,416
49	HK$16,067	HK$18,176
50	HK$16,768	HK$18,970
51	HK$17,589	HK$19,899
52	HK$18,452	HK$20,875
53	HK$19,355	HK$21,897
54	HK$20,304	HK$22,970
55	HK$21,299	HK$24,095
56	HK$22,342	HK$25,277
57	HK$23,437	HK$26,514
58	HK$24,586	HK$27,814
59	HK$25,790	HK$29,178
60	HK$27,054	HK$30,606
61	HK$28,379	HK$32,106
62	HK$29,770	HK$33,679
63	HK$31,229	HK$35,329
64	HK$32,759	HK$37,061
65	HK$34,364	HK$38,877
66	HK$36,048	HK$40,782
67	HK$37,814	HK$42,780
68	HK$39,667	HK$44,876
69	HK$41,611	HK$47,075
70	HK$43,650	HK$49,382
71	HK$45,788	HK$51,801
72	HK$48,032	HK$54,339
73	HK$50,385	HK$57,001
74	HK$52,854	HK$59,795
75	HK$55,444	HK$62,725
76	HK$58,161	HK$65,798
77	HK$61,011	HK$69,022
78	HK$64,001	HK$72,405
79	HK$67,137	HK$75,953
80	HK$70,427	HK$79,674
81	HK$73,525	HK$83,180
82	HK$76,761	HK$86,840
83	HK$80,139	HK$90,662
84	HK$83,665	HK$94,651
85	HK$87,346	HK$98,815
86	HK$91,189	HK$103,163
87	HK$95,201	HK$107,703
88	HK$99,390	HK$112,441
89	HK$103,763	HK$117,389
90	HK$108,329	HK$122,554
91	HK$113,096	HK$127,946
92	HK$118,071	HK$133,576
93	HK$123,267	HK$139,454
94	HK$128,691	HK$145,589
95	HK$134,354	HK$151,996
96	HK$140,265	HK$158,683
97	HK$146,437	HK$165,666
98	HK$152,880	HK$172,955
99	HK$159,607	HK$180,565

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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.