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VHIS Flexi · F00075-06-000-01

Chubb VHIS - Prime Plan - HKD0 Deductible (Worldwide excluding USA)

安達自願醫保（優裕）計劃 - 0 港元自付費 (全球不包括美國)

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$18,715 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

Annual benefit limit

HK$15,000,000

Per-illness annual limit

—

Lifetime benefit limit

HK$60,000,000

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: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 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 per day)R&C
Daily post-surgery home nursing benefit 居家看護費保障	Full reimbursement of Eligible Expenses (within the post-discharge window after surgery or Intensive Care Unit stay; limited to home nursing services provided by up to 1 registered nurse 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	$50,000 per Accident
Post-stroke rehabilitation visits 中風康復保障 (b) 中風輔助保障	$1,000 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	$180,000 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	$1,000 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	$1,000 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	$100,000 per Policy Year
Cash Benefits
Lower ward class cash benefit 次級病房現金保障（只適用於香港	$1,200 per day during Confinement, maximum 30 days per Policy Year
Day surgery cash benefit 日間手術現金保障	$1,200 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	$800 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	$5,000 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: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 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 per day)R&C
Daily post-surgery home nursing benefit
居家看護費保障
Full reimbursement of Eligible Expenses (within the post-discharge window after surgery or Intensive Care Unit stay; limited to home nursing services provided by up to 1 registered nurse 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
$50,000 per Accident
Post-stroke rehabilitation visits
中風康復保障 (b) 中風輔助保障
$1,000 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
$180,000 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
$1,000 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
$1,000 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
$100,000 per Policy Year

Cash Benefits

Lower ward class cash benefit
次級病房現金保障（只適用於香港
$1,200 per day during Confinement, maximum 30 days per Policy Year
Day surgery cash benefit
日間手術現金保障
$1,200 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
$800 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
$5,000 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$25,600	HK$25,600
1	HK$25,600	HK$25,600
2	HK$25,600	HK$25,600
3	HK$25,600	HK$25,600
4	HK$25,600	HK$25,600
5	HK$23,994	HK$23,994
6	HK$23,994	HK$23,994
7	HK$23,994	HK$23,994
8	HK$23,994	HK$23,994
9	HK$23,994	HK$23,994
10	HK$23,994	HK$23,994
11	HK$23,994	HK$23,994
12	HK$23,994	HK$23,994
13	HK$23,994	HK$23,994
14	HK$23,994	HK$23,994
15	HK$23,994	HK$23,994
16	HK$23,994	HK$23,994
17	HK$23,994	HK$23,994
18	HK$12,096	HK$13,305
19	HK$12,195	HK$13,414
20	HK$12,295	HK$13,525
21	HK$12,545	HK$13,800
22	HK$12,801	HK$14,081
23	HK$13,328	HK$14,661
24	HK$14,017	HK$15,419
25	HK$15,042	HK$16,546
26	HK$15,886	HK$17,475
27	HK$16,778	HK$18,456
28	HK$17,720	HK$19,492
29	HK$18,310	HK$20,141
30	HK$18,715	HK$20,587
31	HK$18,998	HK$20,898
32	HK$19,286	HK$21,215
33	HK$19,578	HK$21,536
34	HK$19,755	HK$21,731
35	HK$19,875	HK$21,863
36	HK$20,325	HK$22,358
37	HK$20,785	HK$22,864
38	HK$21,255	HK$23,381
39	HK$21,542	HK$23,696
40	HK$21,736	HK$23,910
41	HK$22,784	HK$25,062
42	HK$23,883	HK$26,271
43	HK$25,035	HK$27,539
44	HK$25,753	HK$28,328
45	HK$26,243	HK$28,867
46	HK$27,531	HK$30,284
47	HK$28,883	HK$31,771
48	HK$30,301	HK$33,331
49	HK$31,185	HK$34,304
50	HK$31,789	HK$34,968
51	HK$33,128	HK$36,441
52	HK$34,524	HK$37,976
53	HK$35,979	HK$39,577
54	HK$37,495	HK$41,245
55	HK$39,075	HK$39,075
56	HK$41,718	HK$41,718
57	HK$44,539	HK$44,539
58	HK$47,551	HK$47,551
59	HK$50,767	HK$50,767
60	HK$54,200	HK$54,200
61	HK$59,230	HK$59,230
62	HK$64,727	HK$64,727
63	HK$70,734	HK$70,734
64	HK$77,299	HK$77,299
65	HK$84,474	HK$84,474
66	HK$88,603	HK$88,603
67	HK$92,933	HK$92,933
68	HK$97,475	HK$97,475
69	HK$100,306	HK$100,306
70	HK$102,239	HK$102,239
71	HK$106,506	HK$106,506
72	HK$110,951	HK$110,951
73	HK$115,581	HK$115,581
74	HK$120,405	HK$120,405
75	HK$125,429	HK$125,429
76	HK$134,006	HK$134,006
77	HK$143,170	HK$143,170
78	HK$152,960	HK$152,960
79	HK$163,420	HK$163,420
80	HK$174,595	HK$174,595
81	HK$177,112	HK$177,112
82	HK$181,025	HK$181,025
83	HK$184,102	HK$184,102
84	HK$187,737	HK$187,737
85	HK$190,254	HK$190,254
86	HK$193,331	HK$193,331
87	HK$196,404	HK$196,404
88	HK$199,761	HK$199,761
89	HK$202,838	HK$202,838
90	HK$206,193	HK$206,193
91	HK$209,828	HK$209,828
92	HK$213,185	HK$213,185
93	HK$215,982	HK$215,982
94	HK$219,617	HK$219,617
95	HK$221,573	HK$221,573
96	HK$225,769	HK$225,769
97	HK$228,564	HK$228,564
98	HK$231,919	HK$231,919
99	HK$234,996	HK$234,996
100	HK$238,182	HK$238,182
101	HK$241,339	HK$241,339
102	HK$244,538	HK$244,538
103	HK$247,782	HK$247,782
104	HK$251,066	HK$251,066
105	HK$254,394	HK$254,394
106	HK$257,767	HK$257,767
107	HK$261,186	HK$261,186
108	HK$264,648	HK$264,648
109	HK$268,156	HK$268,156
110	HK$271,713	HK$271,713
111	HK$275,313	HK$275,313
112	HK$278,964	HK$278,964
113	HK$282,665	HK$282,665
114	HK$286,412	HK$286,412
115	HK$290,209	HK$290,209
116	HK$294,058	HK$294,058
117	HK$297,957	HK$297,957
118	HK$301,908	HK$301,908
119	HK$305,912	HK$305,912
120	HK$309,968	HK$309,968
121	HK$314,079	HK$314,079
122	HK$318,243	HK$318,243
123	HK$322,465	HK$322,465
124	HK$326,740	HK$326,740
125	HK$331,072	HK$331,072
126	HK$335,465	HK$335,465
127	HK$339,913	HK$339,913

Other deductible options in this series

10 deductibles — same benefit schedule, premium scales with deductible

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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.