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VHIS Flexi · F00075-09-000-01

Chubb VHIS - Prime Plan - HKD100,000 Deductible (Worldwide excluding USA)

安達自願醫保（優裕）計劃 - 100,000 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$7,736 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$100,000

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$10,908	HK$10,908
1	HK$10,908	HK$10,908
2	HK$10,908	HK$10,908
3	HK$10,908	HK$10,908
4	HK$10,908	HK$10,908
5	HK$10,276	HK$10,276
6	HK$10,276	HK$10,276
7	HK$10,276	HK$10,276
8	HK$10,276	HK$10,276
9	HK$10,276	HK$10,276
10	HK$10,276	HK$10,276
11	HK$10,276	HK$10,276
12	HK$10,276	HK$10,276
13	HK$10,276	HK$10,276
14	HK$10,276	HK$10,276
15	HK$10,276	HK$10,276
16	HK$10,276	HK$10,276
17	HK$10,276	HK$10,276
18	HK$5,171	HK$5,689
19	HK$5,205	HK$5,726
20	HK$5,239	HK$5,763
21	HK$5,404	HK$5,944
22	HK$5,574	HK$6,131
23	HK$5,750	HK$6,325
24	HK$5,931	HK$6,524
25	HK$6,118	HK$6,730
26	HK$6,488	HK$7,137
27	HK$6,880	HK$7,568
28	HK$7,296	HK$8,026
29	HK$7,557	HK$8,313
30	HK$7,736	HK$8,510
31	HK$7,859	HK$8,645
32	HK$7,984	HK$8,782
33	HK$8,111	HK$8,922
34	HK$8,188	HK$9,007
35	HK$8,239	HK$9,063
36	HK$8,364	HK$9,200
37	HK$8,459	HK$9,305
38	HK$8,491	HK$9,340
39	HK$8,523	HK$9,375
40	HK$8,555	HK$9,411
41	HK$9,000	HK$9,900
42	HK$9,468	HK$10,415
43	HK$9,961	HK$10,957
44	HK$10,269	HK$11,296
45	HK$10,479	HK$11,527
46	HK$11,043	HK$12,147
47	HK$11,536	HK$12,690
48	HK$11,946	HK$13,141
49	HK$12,263	HK$13,489
50	HK$12,479	HK$13,727
51	HK$12,985	HK$14,284
52	HK$13,422	HK$14,764
53	HK$13,782	HK$15,160
54	HK$14,059	HK$15,465
55	HK$14,246	HK$14,246
56	HK$15,137	HK$15,137
57	HK$16,084	HK$16,084
58	HK$17,090	HK$17,090
59	HK$18,159	HK$18,159
60	HK$19,293	HK$19,293
61	HK$21,107	HK$21,107
62	HK$23,092	HK$23,092
63	HK$25,263	HK$25,263
64	HK$27,638	HK$27,638
65	HK$30,237	HK$30,237
66	HK$32,027	HK$32,027
67	HK$33,923	HK$33,923
68	HK$35,931	HK$35,931
69	HK$37,192	HK$37,192
70	HK$38,057	HK$38,057
71	HK$39,079	HK$39,079
72	HK$40,457	HK$40,457
73	HK$42,141	HK$42,141
74	HK$44,164	HK$44,164
75	HK$46,663	HK$46,663
76	HK$49,925	HK$49,925
77	HK$53,251	HK$53,251
78	HK$56,625	HK$56,625
79	HK$60,028	HK$60,028
80	HK$63,441	HK$63,441
81	HK$64,352	HK$64,352
82	HK$65,768	HK$65,768
83	HK$66,882	HK$66,882
84	HK$68,197	HK$68,197
85	HK$69,108	HK$69,108
86	HK$70,222	HK$70,222
87	HK$71,334	HK$71,334
88	HK$72,549	HK$72,549
89	HK$73,662	HK$73,662
90	HK$74,876	HK$74,876
91	HK$76,192	HK$76,192
92	HK$77,407	HK$77,407
93	HK$78,419	HK$78,419
94	HK$79,735	HK$79,735
95	HK$80,442	HK$80,442
96	HK$81,961	HK$81,961
97	HK$82,973	HK$82,973
98	HK$84,187	HK$84,187
99	HK$85,300	HK$85,300
100	HK$86,453	HK$86,453
101	HK$87,596	HK$87,596
102	HK$88,754	HK$88,754
103	HK$89,928	HK$89,928
104	HK$91,116	HK$91,116
105	HK$92,320	HK$92,320
106	HK$93,541	HK$93,541
107	HK$94,778	HK$94,778
108	HK$96,031	HK$96,031
109	HK$97,301	HK$97,301
110	HK$98,588	HK$98,588
111	HK$99,891	HK$99,891
112	HK$101,213	HK$101,213
113	HK$102,552	HK$102,552
114	HK$103,908	HK$103,908
115	HK$105,282	HK$105,282
116	HK$106,675	HK$106,675
117	HK$108,086	HK$108,086
118	HK$109,516	HK$109,516
119	HK$110,965	HK$110,965
120	HK$112,433	HK$112,433
121	HK$113,921	HK$113,921
122	HK$115,428	HK$115,428
123	HK$116,956	HK$116,956
124	HK$118,503	HK$118,503
125	HK$120,071	HK$120,071
126	HK$121,661	HK$121,661
127	HK$123,270	HK$123,270

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$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.