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VHIS Flexi · F00056-07-000-02

VHIS Series - Flexi Plan (Superior) - Standard Ward - HKD15,000 Deductible

自願醫保系列－靈活計劃（優越） - 普通病房 - 15,000 港元自付費

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$4,546 /yr

age

Ward class

Ward

Coverage region

Asia

Deductible

HK$15,000

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$5,398	—
1	HK$4,858	—
2	HK$4,319	—
3	HK$4,319	—
4	HK$4,319	—
5	HK$4,216	—
6	HK$4,113	—
7	HK$4,010	—
8	HK$3,907	—
9	HK$3,804	—
10	HK$3,701	—
11	HK$3,599	—
12	HK$3,496	—
13	HK$3,393	—
14	HK$3,290	—
15	HK$3,188	—
16	HK$3,224	—
17	HK$3,250	—
18	HK$3,268	HK$3,699
19	HK$3,398	HK$3,846
20	HK$3,528	HK$3,993
21	HK$3,617	HK$4,095
22	HK$3,711	HK$4,200
23	HK$3,806	HK$4,308
24	HK$3,904	HK$4,419
25	HK$4,004	HK$4,533
26	HK$4,108	HK$4,650
27	HK$4,213	HK$4,769
28	HK$4,321	HK$4,891
29	HK$4,433	HK$5,017
30	HK$4,546	HK$5,146
31	HK$4,664	HK$5,279
32	HK$4,784	HK$5,415
33	HK$4,907	HK$5,555
34	HK$5,034	HK$5,698
35	HK$5,163	HK$5,843
36	HK$5,296	HK$5,994
37	HK$5,432	HK$6,148
38	HK$5,572	HK$6,306
39	HK$5,714	HK$6,468
40	HK$5,884	HK$6,660
41	HK$6,119	HK$6,925
42	HK$6,386	HK$7,228
43	HK$6,665	HK$7,544
44	HK$6,956	HK$7,873
45	HK$7,259	HK$8,216
46	HK$7,577	HK$8,577
47	HK$7,907	HK$8,949
48	HK$8,253	HK$9,341
49	HK$8,613	HK$9,749
50	HK$8,989	HK$10,174
51	HK$9,430	HK$10,673
52	HK$9,892	HK$11,196
53	HK$10,376	HK$11,745
54	HK$10,885	HK$12,320
55	HK$11,418	HK$12,924
56	HK$11,978	HK$13,558
57	HK$12,565	HK$14,222
58	HK$13,181	HK$14,919
59	HK$13,827	HK$15,651
60	HK$14,504	HK$16,417
61	HK$15,215	HK$17,221
62	HK$15,960	HK$18,065
63	HK$16,743	HK$18,950
64	HK$17,563	HK$19,879
65	HK$18,423	HK$20,852
66	HK$19,326	HK$21,875
67	HK$20,273	HK$22,946
68	HK$21,266	HK$24,070
69	HK$22,307	HK$25,250
70	HK$23,400	HK$26,486
71	HK$24,548	HK$27,785
72	HK$25,750	HK$29,146
73	HK$27,012	HK$30,574
74	HK$28,335	HK$32,072
75	HK$29,724	HK$33,644
76	HK$31,180	HK$35,292
77	HK$32,708	HK$37,022
78	HK$34,310	HK$38,835
79	HK$35,991	HK$40,738
80	HK$37,755	HK$42,734
81	HK$39,416	HK$44,614
82	HK$41,150	HK$46,577
83	HK$42,961	HK$48,626
84	HK$44,851	HK$50,766
85	HK$46,824	HK$52,999
86	HK$48,884	HK$55,331
87	HK$51,036	HK$57,767
88	HK$53,281	HK$60,308
89	HK$55,625	HK$62,961
90	HK$58,073	HK$65,731
91	HK$60,628	HK$68,624
92	HK$63,295	HK$71,643
93	HK$66,080	HK$74,794
94	HK$68,988	HK$78,086
95	HK$72,023	HK$81,522
96	HK$75,192	HK$85,108
97	HK$78,500	HK$88,853
98	HK$81,954	HK$92,762
99	HK$85,561	HK$96,844

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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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.