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VHIS Flexi · F00075-04-000-01

Chubb VHIS - Prime Plan - HKD100,000 Deductible (Asia)

安達自願醫保（優裕）計劃 - 100,000 港元自付費 (亞洲)

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$4,070 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$100,000

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$6,428	HK$6,428
1	HK$6,428	HK$6,428
2	HK$6,428	HK$6,428
3	HK$6,428	HK$6,428
4	HK$6,428	HK$6,428
5	HK$6,176	HK$6,176
6	HK$6,176	HK$6,176
7	HK$6,176	HK$6,176
8	HK$6,176	HK$6,176
9	HK$6,176	HK$6,176
10	HK$6,176	HK$6,176
11	HK$6,176	HK$6,176
12	HK$6,176	HK$6,176
13	HK$6,176	HK$6,176
14	HK$6,176	HK$6,176
15	HK$6,176	HK$6,176
16	HK$6,176	HK$6,176
17	HK$6,176	HK$6,176
18	HK$3,102	HK$3,412
19	HK$3,117	HK$3,428
20	HK$3,131	HK$3,444
21	HK$3,202	HK$3,522
22	HK$3,275	HK$3,603
23	HK$3,350	HK$3,685
24	HK$3,426	HK$3,769
25	HK$3,505	HK$3,856
26	HK$3,638	HK$4,002
27	HK$3,776	HK$4,154
28	HK$3,920	HK$4,312
29	HK$4,009	HK$4,410
30	HK$4,070	HK$4,477
31	HK$4,144	HK$4,558
32	HK$4,219	HK$4,641
33	HK$4,295	HK$4,725
34	HK$4,342	HK$4,776
35	HK$4,373	HK$4,810
36	HK$4,422	HK$4,864
37	HK$4,459	HK$4,905
38	HK$4,471	HK$4,918
39	HK$4,483	HK$4,931
40	HK$4,496	HK$4,946
41	HK$4,719	HK$5,191
42	HK$4,953	HK$5,448
43	HK$5,199	HK$5,719
44	HK$5,352	HK$5,887
45	HK$5,456	HK$6,002
46	HK$5,879	HK$6,467
47	HK$6,217	HK$6,839
48	HK$6,334	HK$6,967
49	HK$6,453	HK$7,098
50	HK$6,575	HK$7,233
51	HK$6,803	HK$7,483
52	HK$6,999	HK$7,699
53	HK$7,160	HK$7,876
54	HK$7,283	HK$8,011
55	HK$7,366	HK$7,366
56	HK$7,780	HK$7,780
57	HK$8,217	HK$8,217
58	HK$8,679	HK$8,679
59	HK$9,167	HK$9,167
60	HK$9,682	HK$9,682
61	HK$10,522	HK$10,522
62	HK$11,541	HK$11,541
63	HK$12,776	HK$12,776
64	HK$14,078	HK$14,078
65	HK$15,372	HK$15,372
66	HK$16,315	HK$16,315
67	HK$16,875	HK$16,875
68	HK$17,316	HK$17,316
69	HK$17,875	HK$17,875
70	HK$18,746	HK$18,746
71	HK$19,721	HK$19,721
72	HK$20,579	HK$20,579
73	HK$21,387	HK$21,387
74	HK$22,182	HK$22,182
75	HK$22,961	HK$22,961
76	HK$24,007	HK$24,007
77	HK$25,225	HK$25,225
78	HK$26,835	HK$26,835
79	HK$28,197	HK$28,197
80	HK$29,409	HK$29,409
81	HK$29,829	HK$29,829
82	HK$30,480	HK$30,480
83	HK$30,993	HK$30,993
84	HK$31,598	HK$31,598
85	HK$32,017	HK$32,017
86	HK$32,529	HK$32,529
87	HK$33,041	HK$33,041
88	HK$33,600	HK$33,600
89	HK$34,112	HK$34,112
90	HK$34,671	HK$34,671
91	HK$35,276	HK$35,276
92	HK$35,834	HK$35,834
93	HK$36,300	HK$36,300
94	HK$36,905	HK$36,905
95	HK$37,231	HK$37,231
96	HK$37,929	HK$37,929
97	HK$38,395	HK$38,395
98	HK$38,954	HK$38,954
99	HK$39,466	HK$39,466
100	HK$39,996	HK$39,996
101	HK$40,522	HK$40,522
102	HK$41,054	HK$41,054
103	HK$41,594	HK$41,594
104	HK$42,141	HK$42,141
105	HK$42,696	HK$42,696
106	HK$43,256	HK$43,256
107	HK$43,826	HK$43,826
108	HK$44,402	HK$44,402
109	HK$44,986	HK$44,986
110	HK$45,578	HK$45,578
111	HK$46,178	HK$46,178
112	HK$46,785	HK$46,785
113	HK$47,401	HK$47,401
114	HK$48,026	HK$48,026
115	HK$48,658	HK$48,658
116	HK$49,299	HK$49,299
117	HK$49,948	HK$49,948
118	HK$50,605	HK$50,605
119	HK$51,272	HK$51,272
120	HK$51,947	HK$51,947
121	HK$52,632	HK$52,632
122	HK$53,325	HK$53,325
123	HK$54,027	HK$54,027
124	HK$54,740	HK$54,740
125	HK$55,461	HK$55,461
126	HK$56,192	HK$56,192
127	HK$56,933	HK$56,933

Other deductible options in this series

10 deductibles — same benefit schedule, premium scales with deductible

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HK$100K

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HK$100K

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HK$150K

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HK$150K

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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.