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VHIS Flexi · F00075-01-000-01

Chubb VHIS - Prime Plan - HKD0 Deductible (Asia)

安達自願醫保（優裕）計劃 - 0 港元自付費 (亞洲)

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$11,144 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

Annual benefit limit

HK$10,000,000

Per-illness annual limit

—

Lifetime benefit limit

HK$40,000,000

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 reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges (b) 雜項開支	Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit Medical Devices)R&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee (d) 專科醫生費	Full reimbursement of Eligible ExpensesR&C
(e) Intensive care (e) 深切治療	Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee (f) 外科醫生費	Full reimbursement of Eligible Expenses regardless of surgical categoryR&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges (h) 手術室費	Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	Full reimbursement of Eligible ExpensesR&C
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	Full reimbursement of Eligible ExpensesR&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 reimbursement of Eligible Expenses Pre-Confinement/Day Case Procedure:All outpatient visits within 30 days before Confinement/Day Case Procedure, up to 1 per day1 outpatient visit more than 30 days before Confinement/Day Case Procedure Post-Confinement/Day Case Procedure:Up to 12 outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, up to 1 per dayR&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 reimbursement of Eligible ExpensesR&C
Private nursing fee (during Confinement) 私家看護費保障	Full reimbursement of Eligible Expenses (maximum 30 days per Policy Year, limited to services provided by up to 1 registered nurse(s) per day)R&C
Daily post-surgery home nursing benefit 居家看護費保障	Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital following surgery or Intensive Care Unit stay; limited to home nursing services provided by up to 1 registered nurse(s) per day, maximum 60 days per Policy Year)R&C
Outpatient kidney dialysis 門診腎臟透析治療保障	Full reimbursement of Eligible ExpensesR&C
Emergency outpatient treatment for Accident 緊急門診治療保障	Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C
Emergency dental benefit (Accident only) 緊急牙科治療保障	Full reimbursement of Eligible Expenses within 31 days of the AccidentR&C
Complications of pregnancy 懷孕併發症保障	Full reimbursement of Eligible ExpensesR&C
Post-stroke home equipment upgrade 中風康復保障 (a) 家居設備提升保障	$30,000 per Accident
Post-stroke rehabilitation visits 中風康復保障 (b) 中風輔助保障	$800 per visit (within 90 days post-discharge; max 30 visits per Policy Year; max 1 per day)
Reconstructive surgery for specified conditions 重建手術保障	$160,000 per Accident / per mastectomy
Medical implants / prosthetic devices 醫療裝置保障	Specified items: Full reimbursement of Eligible Expenses; non-specified items: $100,000 per Policy YearR&C
Organ transplant donor benefit 器官捐贈者保障	$500,000 per major organ transplant (heart, kidney, liver, lung or bone marrow transplant)
Post-Confinement / Day Case Procedure auxiliary therapy 出院／日間手術後門診輔助保障	$800 per visit (within the post-discharge window; maximum 30 visits per Policy Year; up to 1 per day)
Post-discharge outpatient psychiatric treatment 出院後精神科門診治療（只適用	$800 per visit (within the post-discharge window; maximum 10 visits per Policy Year; up to 1 per day)
Hospice and palliative care benefit 善終服務保障	$80,000 per Policy Year
Cash Benefits
Lower ward class cash benefit 次級病房現金保障（只適用於香港	$800 per day during Confinement, maximum 30 days per Policy Year
Day surgery cash benefit 日間手術現金保障	$1,000 per Day Case Procedure, maximum 10 Day Case Procedures per Policy Year, up to 1 per day
Second-claim cash allowanceAfter other pays 額外現金補貼保障	$600 per day during Confinement, maximum 90 days per Policy Year
Event Benefits
Stroke disability allowance benefit 中風康復保障 (c) 傷殘津貼保障	$3,000 per month, max 24 months per Accident
Designated family member daily cash benefit 指定家庭成員每日現金保障	$800 per day, maximum 30 days per Policy Year (if the Insured Person is continuously Confined for 3 days or more and the designated family member is also an Insured Person under another "Chubb Voluntary Health Insurance (Privileged) 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 reimbursement of Eligible ExpensesR&C
(b) Miscellaneous charges
(b) 雜項開支
Full reimbursement of Eligible Expenses (subject to the benefit limit of additional benefit Medical Devices)R&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
Full reimbursement of Eligible ExpensesR&C
(d) Specialist's fee
(d) 專科醫生費
Full reimbursement of Eligible ExpensesR&C
(e) Intensive care
(e) 深切治療
Full reimbursement of Eligible ExpensesR&C
(f) Surgeon's fee
(f) 外科醫生費
Full reimbursement of Eligible Expenses regardless of surgical categoryR&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
Full reimbursement of Eligible ExpensesR&C
(h) Operating theatre charges
(h) 手術室費
Full reimbursement of Eligible ExpensesR&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
Full reimbursement of Eligible ExpensesR&C
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
Full reimbursement of Eligible ExpensesR&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 reimbursement of Eligible Expenses Pre-Confinement/Day Case Procedure:All outpatient visits within 30 days before Confinement/Day Case Procedure, up to 1 per day1 outpatient visit more than 30 days before Confinement/Day Case Procedure Post-Confinement/Day Case Procedure:Up to 12 outpatient visits within 90 days after discharge from Hospital or completion of Day Case Procedure, up to 1 per dayR&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 reimbursement of Eligible ExpensesR&C
Private nursing fee (during Confinement)
私家看護費保障
Full reimbursement of Eligible Expenses (maximum 30 days per Policy Year, limited to services provided by up to 1 registered nurse(s) per day)R&C
Daily post-surgery home nursing benefit
居家看護費保障
Full reimbursement of Eligible Expenses (within 90 days after discharge from Hospital following surgery or Intensive Care Unit stay; limited to home nursing services provided by up to 1 registered nurse(s) per day, maximum 60 days per Policy Year)R&C
Outpatient kidney dialysis
門診腎臟透析治療保障
Full reimbursement of Eligible ExpensesR&C
Emergency outpatient treatment for Accident
緊急門診治療保障
Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C
Emergency dental benefit (Accident only)
緊急牙科治療保障
Full reimbursement of Eligible Expenses within 31 days of the AccidentR&C
Complications of pregnancy
懷孕併發症保障
Full reimbursement of Eligible ExpensesR&C
Post-stroke home equipment upgrade
中風康復保障 (a) 家居設備提升保障
$30,000 per Accident
Post-stroke rehabilitation visits
中風康復保障 (b) 中風輔助保障
$800 per visit (within 90 days post-discharge; max 30 visits per Policy Year; max 1 per day)
Reconstructive surgery for specified conditions
重建手術保障
$160,000 per Accident / per mastectomy
Medical implants / prosthetic devices
醫療裝置保障
Specified items: Full reimbursement of Eligible Expenses; non-specified items: $100,000 per Policy YearR&C
Organ transplant donor benefit
器官捐贈者保障
$500,000 per major organ transplant (heart, kidney, liver, lung or bone marrow transplant)
Post-Confinement / Day Case Procedure auxiliary therapy
出院／日間手術後門診輔助保障
$800 per visit (within the post-discharge window; maximum 30 visits per Policy Year; up to 1 per day)
Post-discharge outpatient psychiatric treatment
出院後精神科門診治療（只適用
$800 per visit (within the post-discharge window; maximum 10 visits per Policy Year; up to 1 per day)
Hospice and palliative care benefit
善終服務保障
$80,000 per Policy Year

Cash Benefits

Lower ward class cash benefit
次級病房現金保障（只適用於香港
$800 per day during Confinement, maximum 30 days per Policy Year
Day surgery cash benefit
日間手術現金保障
$1,000 per Day Case Procedure, maximum 10 Day Case Procedures per Policy Year, up to 1 per day
Second-claim cash allowanceAfter other pays
額外現金補貼保障
$600 per day during Confinement, maximum 90 days per Policy Year

Event Benefits

Stroke disability allowance benefit
中風康復保障 (c) 傷殘津貼保障
$3,000 per month, max 24 months per Accident
Designated family member daily cash benefit
指定家庭成員每日現金保障
$800 per day, maximum 30 days per Policy Year (if the Insured Person is continuously Confined for 3 days or more and the designated family member is also an Insured Person under another "Chubb Voluntary Health Insurance (Privileged) 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

Premium Schedule

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

Age	Non-smoker	Smoker
0	HK$15,532	HK$15,532
1	HK$15,532	HK$15,532
2	HK$15,532	HK$15,532
3	HK$15,532	HK$15,532
4	HK$15,532	HK$15,532
5	HK$14,770	HK$14,770
6	HK$14,770	HK$14,770
7	HK$14,770	HK$14,770
8	HK$14,770	HK$14,770
9	HK$14,770	HK$14,770
10	HK$14,770	HK$14,770
11	HK$14,770	HK$14,770
12	HK$14,770	HK$14,770
13	HK$14,770	HK$14,770
14	HK$14,770	HK$14,770
15	HK$14,770	HK$14,770
16	HK$14,770	HK$14,770
17	HK$14,770	HK$14,770
18	HK$7,396	HK$8,136
19	HK$7,408	HK$8,148
20	HK$7,419	HK$8,161
21	HK$7,724	HK$8,496
22	HK$8,042	HK$8,846
23	HK$8,373	HK$9,210
24	HK$8,717	HK$9,589
25	HK$9,075	HK$9,983
26	HK$9,553	HK$10,508
27	HK$10,056	HK$11,062
28	HK$10,586	HK$11,645
29	HK$10,917	HK$12,009
30	HK$11,144	HK$12,258
31	HK$11,324	HK$12,456
32	HK$11,507	HK$12,658
33	HK$11,693	HK$12,862
34	HK$11,806	HK$12,987
35	HK$11,881	HK$13,069
36	HK$12,069	HK$13,276
37	HK$12,260	HK$13,486
38	HK$12,454	HK$13,699
39	HK$12,572	HK$13,829
40	HK$12,650	HK$13,915
41	HK$13,284	HK$14,612
42	HK$13,950	HK$15,345
43	HK$14,649	HK$16,114
44	HK$15,085	HK$16,594
45	HK$15,383	HK$16,921
46	HK$16,127	HK$17,740
47	HK$16,907	HK$18,598
48	HK$17,725	HK$19,498
49	HK$18,235	HK$20,059
50	HK$18,582	HK$20,440
51	HK$19,530	HK$21,483
52	HK$20,357	HK$22,393
53	HK$21,043	HK$23,147
54	HK$21,573	HK$23,730
55	HK$21,933	HK$21,933
56	HK$23,316	HK$23,316
57	HK$24,786	HK$24,786
58	HK$26,349	HK$26,349
59	HK$28,010	HK$28,010
60	HK$29,775	HK$29,775
61	HK$32,471	HK$32,471
62	HK$35,581	HK$35,581
63	HK$39,178	HK$39,178
64	HK$43,346	HK$43,346
65	HK$48,189	HK$48,189
66	HK$50,587	HK$50,587
67	HK$52,988	HK$52,988
68	HK$55,380	HK$55,380
69	HK$57,752	HK$57,752
70	HK$60,094	HK$60,094
71	HK$61,797	HK$61,797
72	HK$64,097	HK$64,097
73	HK$66,912	HK$66,912
74	HK$70,303	HK$70,303
75	HK$74,503	HK$74,503
76	HK$79,687	HK$79,687
77	HK$85,003	HK$85,003
78	HK$90,430	HK$90,430
79	HK$94,917	HK$94,917
80	HK$97,505	HK$97,505
81	HK$98,910	HK$98,910
82	HK$101,092	HK$101,092
83	HK$102,808	HK$102,808
84	HK$104,834	HK$104,834
85	HK$108,651	HK$108,651
86	HK$110,406	HK$110,406
87	HK$112,159	HK$112,159
88	HK$114,072	HK$114,072
89	HK$115,825	HK$115,825
90	HK$117,741	HK$117,741
91	HK$119,812	HK$119,812
92	HK$121,726	HK$121,726
93	HK$123,319	HK$123,319
94	HK$125,392	HK$125,392
95	HK$126,510	HK$126,510
96	HK$128,900	HK$128,900
97	HK$130,495	HK$130,495
98	HK$132,409	HK$132,409
99	HK$134,162	HK$134,162
100	HK$135,978	HK$135,978
101	HK$137,779	HK$137,779
102	HK$139,602	HK$139,602
103	HK$141,451	HK$141,451
104	HK$143,323	HK$143,323
105	HK$145,224	HK$145,224
106	HK$147,145	HK$147,145
107	HK$149,095	HK$149,095
108	HK$151,069	HK$151,069
109	HK$153,069	HK$153,069
110	HK$155,097	HK$155,097
111	HK$157,152	HK$157,152
112	HK$159,231	HK$159,231
113	HK$161,339	HK$161,339
114	HK$163,479	HK$163,479
115	HK$165,643	HK$165,643
116	HK$167,838	HK$167,838
117	HK$170,061	HK$170,061
118	HK$172,313	HK$172,313
119	HK$174,597	HK$174,597
120	HK$176,910	HK$176,910
121	HK$179,254	HK$179,254
122	HK$181,628	HK$181,628
123	HK$184,033	HK$184,033
124	HK$186,473	HK$186,473
125	HK$188,942	HK$188,942
126	HK$191,447	HK$191,447
127	HK$193,985	HK$193,985

Other deductible options in this series

10 deductibles — same benefit schedule, premium scales with deductible

HK$0

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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: Apr 16, 2024
Last verified: 2026-04-25

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.