← Back to Chubb VHIS - Prime Plan - HKD series

Chubb VHIS - Prime Plan - HKD50,000 Deductible (Worldwide excluding USA)

安達自願醫保（優裕）計劃 - 50,000 港元自付費 (全球不包括美國)

Chubb VHIS - Prime Plan - HKD50,000 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$50,000 deductible. Latest plan-document version: Oct 1, 2026.

VHIS FlexiF00075-08-000-02

Plan at a glance

Ward class: Standard Private Room
Coverage region: Worldwide (excluding United States)
Deductible: HK$50,000
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$25,000 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$25,000 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/F00075-08-000-02-PlanDoc-c.pdf · p.44

Premium Schedule

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

Age	Non-smoker	Smoker
0	HK$12,590	HK$12,590
1	HK$12,590	HK$12,590
2	HK$12,590	HK$12,590
3	HK$12,590	HK$12,590
4	HK$12,590	HK$12,590
5	HK$11,852	HK$11,852
6	HK$11,852	HK$11,852
7	HK$11,852	HK$11,852
8	HK$11,852	HK$11,852
9	HK$11,852	HK$11,852
10	HK$11,852	HK$11,852
11	HK$11,852	HK$11,852
12	HK$11,852	HK$11,852
13	HK$11,852	HK$11,852
14	HK$11,852	HK$11,852
15	HK$11,852	HK$11,852
16	HK$11,852	HK$11,852
17	HK$11,852	HK$11,852
18	HK$5,944	HK$6,538
19	HK$5,961	HK$6,557
20	HK$5,979	HK$6,577
21	HK$6,187	HK$6,806
22	HK$6,402	HK$7,042
23	HK$6,625	HK$7,288
24	HK$6,855	HK$7,541
25	HK$7,093	HK$7,802
26	HK$7,462	HK$8,208
27	HK$7,851	HK$8,636
28	HK$8,260	HK$9,086
29	HK$8,515	HK$9,367
30	HK$8,690	HK$9,559
31	HK$8,853	HK$9,738
32	HK$9,019	HK$9,921
33	HK$9,188	HK$10,107
34	HK$9,291	HK$10,220
35	HK$9,360	HK$10,296
36	HK$9,556	HK$10,512
37	HK$9,756	HK$10,732
38	HK$9,960	HK$10,956
39	HK$10,084	HK$11,092
40	HK$10,167	HK$11,184
41	HK$10,671	HK$11,738
42	HK$11,200	HK$12,320
43	HK$11,755	HK$12,931
44	HK$12,101	HK$13,311
45	HK$12,338	HK$13,572
46	HK$12,929	HK$14,222
47	HK$13,443	HK$14,787
48	HK$13,869	HK$15,256
49	HK$14,198	HK$15,618
50	HK$14,422	HK$15,864
51	HK$14,964	HK$16,460
52	HK$15,527	HK$17,080
53	HK$16,111	HK$17,722
54	HK$16,717	HK$18,389
55	HK$17,346	HK$19,081
56	HK$18,435	HK$20,279
57	HK$19,592	HK$21,551
58	HK$20,822	HK$22,904
59	HK$22,129	HK$24,342
60	HK$23,517	HK$25,869
61	HK$25,632	HK$28,195
62	HK$27,937	HK$30,731
63	HK$30,450	HK$33,495
64	HK$33,189	HK$36,508
65	HK$36,173	HK$39,790
66	HK$38,313	HK$42,144
67	HK$40,580	HK$44,638
68	HK$42,981	HK$47,279
69	HK$44,489	HK$48,938
70	HK$45,525	HK$50,078
71	HK$47,421	HK$52,163
72	HK$49,396	HK$54,336
73	HK$51,454	HK$56,599
74	HK$53,597	HK$58,957
75	HK$55,830	HK$61,413
76	HK$59,426	HK$65,369
77	HK$63,253	HK$69,578
78	HK$67,327	HK$74,060
79	HK$71,663	HK$78,829
80	HK$76,278	HK$83,906
81	HK$77,375	HK$85,113
82	HK$79,079	HK$86,987
83	HK$80,420	HK$88,462
84	HK$82,003	HK$90,203
85	HK$83,100	HK$91,410
86	HK$84,440	HK$92,884
87	HK$85,779	HK$94,357
88	HK$87,241	HK$95,965
89	HK$88,581	HK$97,439
90	HK$90,043	HK$99,047
91	HK$91,626	HK$100,789
92	HK$93,088	HK$102,397
93	HK$94,307	HK$103,738
94	HK$95,890	HK$105,479
95	HK$96,742	HK$106,416
96	HK$98,570	HK$108,427
97	HK$99,788	HK$109,767
98	HK$101,249	HK$111,374
99	HK$102,590	HK$112,849
100	HK$103,977	HK$114,375
101	HK$105,353	HK$115,888
102	HK$106,746	HK$117,421
103	HK$108,159	HK$118,975
104	HK$109,590	HK$120,549
105	HK$111,039	HK$122,143
106	HK$112,509	HK$123,760
107	HK$113,998	HK$125,398
108	HK$115,506	HK$127,057
109	HK$117,034	HK$128,737
110	HK$118,583	HK$130,441
111	HK$120,152	HK$132,167
112	HK$121,742	HK$133,916
113	HK$123,354	HK$135,689
114	HK$124,987	HK$137,486
115	HK$126,640	HK$139,304
116	HK$128,317	HK$141,149
117	HK$130,015	HK$143,017
118	HK$131,737	HK$144,911
119	HK$133,481	HK$146,829
120	HK$135,248	HK$148,773
121	HK$137,039	HK$150,743
122	HK$138,852	HK$152,737
123	HK$140,691	HK$154,760
124	HK$142,554	HK$156,809
125	HK$144,441	HK$158,885
126	HK$146,354	HK$160,989
127	HK$148,292	HK$163,121

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

View details →

View details →

View details →

View details →

View details →

HK$50K

Current page

View details →

View details →

View details →

View details →

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 - HKD50,000 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