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Chubb VHIS - Prime Plan - HKD25,000 Deductible (Worldwide excluding USA)

安達自願醫保（優裕）計劃 - 25,000 港元自付費 (全球不包括美國)

Chubb VHIS - Prime Plan - HKD25,000 Deductible (Worldwide excluding USA) is a VHIS Flexi plan offered by Chubb Life Insurance Hong Kong Limited, with ward class Standard Private Room, Worldwide (excluding United States) coverage, HK$15,000,000 annual benefit limit and HK$25,000 deductible. Latest plan-document version: Oct 1, 2026.

VHIS FlexiF00075-07-000-02

Plan at a glance

Ward class: Standard Private Room
Coverage region: Worldwide (excluding United States)
Deductible: HK$25,000
Annual benefit limit: HK$15,000,000
Per-illness annual limit: —
Lifetime benefit limit: 不設終身賠償限額
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	Full cover(5)R&C
(b) Miscellaneous charges (b) 雜項開支	Full cover(5)(subject to the benefit limit of Enhanced benefit 10Medical appliances benefit)R&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	Full cover(5)R&C
(d) Specialist's fee (d) 專科醫生費	Full cover(5)R&C
(e) Intensive care (e) 深切治療	Full cover(5)R&C
(f) Surgeon's fee (f) 外科醫生費	Full cover(5) regardless of surgical categoryR&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	Full cover(5)R&C
(h) Operating theatre charges (h) 手術室費	Full cover(5)R&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	Full cover(5)R&C
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	Full cover(5)R&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	Full cover(5)Before Confinement / Day Case Procedure: All outpatient visits (within 30 days prior toConfinement/Day Case Procedure, maximum 1outpatient visit per day) Maximum 1 outpatient visit (more than 30 daysprior to Confinement/Day Case Procedure)After Confinement / Day Case Procedure: Maximum 12 outpatient visits (within 90 daysafter discharge from Hospital/completion of DayCase Procedure, subject to 1 outpatient visit perday)R&C
(l) Psychiatric treatments (l) 精神科治療	$50,000 per Policy Year
Extra Benefits
Hospital companion bed fee reimbursement 住院陪床費保障	Full cover(5)R&C
Private nursing fee (during Confinement) 私家看護費保障	Full cover(5)Maximum 30 days per Policy Year (subject to 1Registered Nurse per day)R&C
Home nursing 居家看護費保障	Full cover(5)Maximum 60 days per Policy Year (within 90 daysafter discharge from Hospital following a surgicalprocedure or admission to Intensive Care Unit,subject to 1 Registered Nurse per day)R&C
Outpatient kidney dialysis 門診腎臟透析治療保障	Full cover(5)R&C
Emergency outpatient treatment for Accident 緊急門診治療保障	Full cover(5)R&C
Emergency dental benefit (Accident only) 緊急牙科治療保障	Full cover(5)R&C
Complications of pregnancy 懷孕併發症保障	Full cover(5)R&C
Post-stroke home equipment upgrade 家居設備提升保障	$50,000 per Incident
Post-stroke rehabilitation visits 中風輔助保障	$1,000 per visitMaximum 30 visits per Policy Year (within 90 daysafter discharge from Hospital, subject to 1 visit perday)
Reconstructive surgery for specified conditions 重建手術保障	$180,000 per Accident / per mastectomy
Medical implants / prosthetic devices 醫療裝置保障	Specified items(9): Full cover(5)Non-specified items(9): $100,000 per Policy YearR&C
Organ transplant donor benefit 器官捐贈者保障	$500,000 per major organ transplant(for transplantation of heart, kidney, liver, lung orbone marrow)
Post-Confinement / Day Case Procedure auxiliary therapy 出院／日間手術後門診輔助保障	$1,200 per visitMaximum 30 visits per Policy Year (within 90 daysafter discharge from Hospital/completion of DayCase Procedure, subject to 1 visit per day)
Post-discharge outpatient psychiatric treatment 出院後精神科門診治療（只適用於香港）	$1,000 per visitMaximum 10 visits per Policy Year (within 180 daysafter discharge from Hospital, subject to 1 visit perday)
Hospice and palliative care benefit 善終服務保障	$100,000 per Policy Year
Back-You-Up Deductible (eligible Mainland treatment) 內地醫療自付費（摯為您）	Back-You-Up deductible: HK$0 per policy year.For eligible Mainland home nursing, home facility enhancement, registered hospice stays, or a non-designated Class 2-or-above hospital and its outpatient unit.
Cash Benefits
Lower ward class cash benefit 次級病房現金保障（只適用於香港及澳門住院）	$1,200 per day of ConfinementMaximum 30 days per Policy Year
Day surgery cash benefit 日間手術現金保障	$1,400 per Day Case ProcedureMaximum 10 Day Case Procedures per Policy Year,subject to 1 Day Case Procedure per day
Second-claim cash allowanceAfter other pays 額外現金補貼保障	$1,100 per day of ConfinementMaximum 90 days per Policy Year
Event Benefits
Stroke disability allowance benefit 傷殘津貼保障	$5,000 per monthMaximum 24 months per Incident
Designated family member daily cash benefit 指定家庭成員每日現金保障	$800 per dayMaximum 30 days per Policy Year(Payable only if the Insured Person is Confined in aHospital for at least 3 consecutive days and theDesignated Family Member is also an Insured Personunder another Chubb VHIS – Prime Plan policy)
Compassionate death benefit 恩恤身故保障	$10,000
Accidental Death benefit 意外身故保障	$10,000
Medical accident and incident extension benefit 醫療疏忽事故保障	$10,000

Basic Benefits

(a) Room and board
(a) 病房及膳食
Full cover(5)R&C
(b) Miscellaneous charges
(b) 雜項開支
Full cover(5)(subject to the benefit limit of Enhanced benefit 10Medical appliances benefit)R&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
Full cover(5)R&C
(d) Specialist's fee
(d) 專科醫生費
Full cover(5)R&C
(e) Intensive care
(e) 深切治療
Full cover(5)R&C
(f) Surgeon's fee
(f) 外科醫生費
Full cover(5) regardless of surgical categoryR&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
Full cover(5)R&C
(h) Operating theatre charges
(h) 手術室費
Full cover(5)R&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
Full cover(5)R&C
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
Full cover(5)R&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
Full cover(5)Before Confinement / Day Case Procedure: All outpatient visits (within 30 days prior toConfinement/Day Case Procedure, maximum 1outpatient visit per day) Maximum 1 outpatient visit (more than 30 daysprior to Confinement/Day Case Procedure)After Confinement / Day Case Procedure: Maximum 12 outpatient visits (within 90 daysafter discharge from Hospital/completion of DayCase Procedure, subject to 1 outpatient visit perday)R&C
(l) Psychiatric treatments
(l) 精神科治療
$50,000 per Policy Year

Extra Benefits

Hospital companion bed fee reimbursement
住院陪床費保障
Full cover(5)R&C
Private nursing fee (during Confinement)
私家看護費保障
Full cover(5)Maximum 30 days per Policy Year (subject to 1Registered Nurse per day)R&C
Home nursing
居家看護費保障
Full cover(5)Maximum 60 days per Policy Year (within 90 daysafter discharge from Hospital following a surgicalprocedure or admission to Intensive Care Unit,subject to 1 Registered Nurse per day)R&C
Outpatient kidney dialysis
門診腎臟透析治療保障
Full cover(5)R&C
Emergency outpatient treatment for Accident
緊急門診治療保障
Full cover(5)R&C
Emergency dental benefit (Accident only)
緊急牙科治療保障
Full cover(5)R&C
Complications of pregnancy
懷孕併發症保障
Full cover(5)R&C
Post-stroke home equipment upgrade
家居設備提升保障
$50,000 per Incident
Post-stroke rehabilitation visits
中風輔助保障
$1,000 per visitMaximum 30 visits per Policy Year (within 90 daysafter discharge from Hospital, subject to 1 visit perday)
Reconstructive surgery for specified conditions
重建手術保障
$180,000 per Accident / per mastectomy
Medical implants / prosthetic devices
醫療裝置保障
Specified items(9): Full cover(5)Non-specified items(9): $100,000 per Policy YearR&C
Organ transplant donor benefit
器官捐贈者保障
$500,000 per major organ transplant(for transplantation of heart, kidney, liver, lung orbone marrow)
Post-Confinement / Day Case Procedure auxiliary therapy
出院／日間手術後門診輔助保障
$1,200 per visitMaximum 30 visits per Policy Year (within 90 daysafter discharge from Hospital/completion of DayCase Procedure, subject to 1 visit per day)
Post-discharge outpatient psychiatric treatment
出院後精神科門診治療（只適用於香港）
$1,000 per visitMaximum 10 visits per Policy Year (within 180 daysafter discharge from Hospital, subject to 1 visit perday)
Hospice and palliative care benefit
善終服務保障
$100,000 per Policy Year
Back-You-Up Deductible (eligible Mainland treatment)
內地醫療自付費（摯為您）
Back-You-Up deductible: HK$0 per policy year.For eligible Mainland home nursing, home facility enhancement, registered hospice stays, or a non-designated Class 2-or-above hospital and its outpatient unit.

Cash Benefits

Lower ward class cash benefit
次級病房現金保障（只適用於香港及澳門住院）
$1,200 per day of ConfinementMaximum 30 days per Policy Year
Day surgery cash benefit
日間手術現金保障
$1,400 per Day Case ProcedureMaximum 10 Day Case Procedures per Policy Year,subject to 1 Day Case Procedure per day
Second-claim cash allowanceAfter other pays
額外現金補貼保障
$1,100 per day of ConfinementMaximum 90 days per Policy Year

Event Benefits

Stroke disability allowance benefit
傷殘津貼保障
$5,000 per monthMaximum 24 months per Incident
Designated family member daily cash benefit
指定家庭成員每日現金保障
$800 per dayMaximum 30 days per Policy Year(Payable only if the Insured Person is Confined in aHospital for at least 3 consecutive days and theDesignated Family Member is also an Insured Personunder another Chubb VHIS – Prime Plan policy)
Compassionate death benefit
恩恤身故保障
$10,000
Accidental Death benefit
意外身故保障
$10,000
Medical accident and incident extension benefit
醫療疏忽事故保障
$10,000

No-Claim Bonus

Renewal premium discount earned by staying claim-free

Discount netted off renewal premium

Discount schedule

Consecutive claim-free years	Discount
3 yrs	5%
4 yrs	10%
5 yrs	15%

Verbatim clause

補充文件 – 保費條文安達自願醫保（優裕）計劃 (本文件旨在補充條款及保障第三部分的保費條文) 1. 無索償保費折扣如於下表定義的無索償期內未有支付本條款及保障下的賠償，無索償保費折扣將於緊接無索償期的保單年度，按本條款及保障之應繳保費扣除，條件為保單已連續生效最少有三（3）個保單年度。無索償保費折扣將等於在緊接無索償期的保單年度，按本條款及保障之應繳標準保費及附加保費（如有）乘以下表所列之無索償保費折扣百分比 – 緊接保單續保前之無索償時期（無索償期）無索償保費折扣連續三(3)個保單年度 5% 連續四(4)個保單年度 10% 連續五(5)個保單年度或以上 15% 若在扣除無索償折扣後，根據本條款及保障就無索償期作出索償並支付賠償，則無索償折扣應納入相關已付索償而重新計算，及在本公司的合理要求下，保單持有人須立即向本公司退回實際符合資格的無索償保費折扣金額和已收到的無索償保費折扣金額的差額。為免存疑，決定無索償保費折扣時將參考招致醫療費用的保單年度，而並非入院或出院時的保單年度。無索償保費折扣僅針對上述其中一個無索償期選項而提供，不會同時提供多於一個選項的無索償折扣。

https://www.vhis.gov.hk/doc/certifiedplan/fp/F00075/F00075-07-000-02-PlanDoc-c.pdf · p.44

Premium Schedule

Annual premium · Premium varies by smoking (gender-agnostic) · HKD

Age	Non-smoker	Smoker
0	HK$16,218	HK$16,218
1	HK$16,218	HK$16,218
2	HK$16,218	HK$16,218
3	HK$16,218	HK$16,218
4	HK$16,218	HK$16,218
5	HK$15,252	HK$15,252
6	HK$15,252	HK$15,252
7	HK$15,252	HK$15,252
8	HK$15,252	HK$15,252
9	HK$15,252	HK$15,252
10	HK$15,252	HK$15,252
11	HK$15,252	HK$15,252
12	HK$15,252	HK$15,252
13	HK$15,252	HK$15,252
14	HK$15,252	HK$15,252
15	HK$15,252	HK$15,252
16	HK$15,252	HK$15,252
17	HK$15,252	HK$15,252
18	HK$7,680	HK$8,448
19	HK$7,734	HK$8,508
20	HK$7,789	HK$8,568
21	HK$8,084	HK$8,892
22	HK$8,390	HK$9,229
23	HK$8,708	HK$9,579
24	HK$9,038	HK$9,942
25	HK$9,380	HK$10,318
26	HK$9,901	HK$10,891
27	HK$10,450	HK$11,495
28	HK$11,030	HK$12,133
29	HK$11,393	HK$12,532
30	HK$11,642	HK$12,806
31	HK$11,862	HK$13,048
32	HK$12,086	HK$13,295
33	HK$12,315	HK$13,547
34	HK$12,454	HK$13,699
35	HK$12,548	HK$13,803
36	HK$12,680	HK$13,948
37	HK$12,813	HK$14,094
38	HK$12,948	HK$14,243
39	HK$13,029	HK$14,332
40	HK$13,084	HK$14,392
41	HK$13,776	HK$15,154
42	HK$14,504	HK$15,954
43	HK$15,271	HK$16,798
44	HK$15,751	HK$17,326
45	HK$16,079	HK$17,687
46	HK$16,858	HK$18,544
47	HK$17,675	HK$19,443
48	HK$18,531	HK$20,384
49	HK$19,064	HK$20,970
50	HK$19,428	HK$21,371
51	HK$20,163	HK$22,179
52	HK$20,926	HK$23,019
53	HK$21,718	HK$23,890
54	HK$22,540	HK$24,794
55	HK$23,393	HK$25,732
56	HK$24,868	HK$27,355
57	HK$26,436	HK$29,080
58	HK$28,103	HK$30,913
59	HK$29,875	HK$32,863
60	HK$31,760	HK$34,936
61	HK$34,730	HK$38,203
62	HK$37,978	HK$41,776
63	HK$41,530	HK$45,683
64	HK$45,414	HK$49,955
65	HK$49,660	HK$54,626
66	HK$52,406	HK$57,647
67	HK$55,304	HK$60,834
68	HK$58,363	HK$64,199
69	HK$60,279	HK$66,307
70	HK$61,591	HK$67,750
71	HK$64,160	HK$70,576
72	HK$66,836	HK$73,520
73	HK$69,624	HK$76,586
74	HK$72,528	HK$79,781
75	HK$75,553	HK$83,108
76	HK$80,353	HK$88,388
77	HK$85,458	HK$94,004
78	HK$90,888	HK$99,977
79	HK$96,663	HK$106,329
80	HK$102,805	HK$113,086
81	HK$104,285	HK$114,714
82	HK$106,586	HK$117,245
83	HK$108,395	HK$119,235
84	HK$110,532	HK$121,585
85	HK$112,012	HK$123,213
86	HK$113,821	HK$125,203
87	HK$115,627	HK$127,190
88	HK$117,601	HK$129,361
89	HK$119,410	HK$131,351
90	HK$121,382	HK$133,520
91	HK$123,519	HK$135,871
92	HK$125,493	HK$138,042
93	HK$127,137	HK$139,851
94	HK$129,274	HK$142,201
95	HK$130,424	HK$143,466
96	HK$132,891	HK$146,180
97	HK$134,534	HK$147,987
98	HK$136,507	HK$150,158
99	HK$138,316	HK$152,148
100	HK$140,189	HK$154,208
101	HK$142,045	HK$156,250
102	HK$143,925	HK$158,318
103	HK$145,833	HK$160,416
104	HK$147,763	HK$162,539
105	HK$149,720	HK$164,692
106	HK$151,703	HK$166,873
107	HK$153,713	HK$169,084
108	HK$155,748	HK$171,323
109	HK$157,810	HK$173,591
110	HK$159,901	HK$175,891
111	HK$162,018	HK$178,220
112	HK$164,165	HK$180,582
113	HK$166,340	HK$182,974
114	HK$168,543	HK$185,397
115	HK$170,775	HK$187,853
116	HK$173,039	HK$190,343
117	HK$175,330	HK$192,863
118	HK$177,653	HK$195,418
119	HK$180,007	HK$198,008
120	HK$182,392	HK$200,631
121	HK$184,809	HK$203,290
122	HK$187,257	HK$205,983
123	HK$189,739	HK$208,713
124	HK$192,252	HK$211,477
125	HK$194,799	HK$214,279
126	HK$197,382	HK$217,120
127	HK$199,997	HK$219,997

How to apply for this plan

This plan is offered by Chubb Life Insurance Hong Kong Limited. To apply, contact Chubb Life Insurance Hong Kong Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
Benefit schedule PDF Premium table PDF

This site's licensed insurance agent can only arrange FWD plans.

Other deductible options in this series

10 deductibles — same benefit schedule, premium scales with deductible

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HK$25K

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Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Oct 1, 2026
Plan data updated: 2026-10-05

Chubb VHIS - Prime Plan - HKD25,000 Deductible (Worldwide excluding USA)

Plan at a glance

Benefits

No-Claim Bonus

Discount schedule

Premium Schedule

How to apply for this plan

Other deductible options in this series

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款