← Back to Chubb VHIS - Prime Plan - HKD series

VHIS Flexi · F00075-05-000-01

Chubb VHIS - Prime Plan - HKD150,000 Deductible (Asia)

安達自願醫保（優裕）計劃 - 150,000 港元自付費 (亞洲)

Chubb Life Insurance Hong Kong Limited

Add to compare

Your premium

HK$3,355 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$150,000

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$5,528	HK$5,528
1	HK$5,528	HK$5,528
2	HK$5,528	HK$5,528
3	HK$5,528	HK$5,528
4	HK$5,528	HK$5,528
5	HK$5,336	HK$5,336
6	HK$5,336	HK$5,336
7	HK$5,336	HK$5,336
8	HK$5,336	HK$5,336
9	HK$5,336	HK$5,336
10	HK$5,336	HK$5,336
11	HK$5,336	HK$5,336
12	HK$5,336	HK$5,336
13	HK$5,336	HK$5,336
14	HK$5,336	HK$5,336
15	HK$5,336	HK$5,336
16	HK$5,336	HK$5,336
17	HK$5,336	HK$5,336
18	HK$2,677	HK$2,945
19	HK$2,687	HK$2,955
20	HK$2,696	HK$2,966
21	HK$2,748	HK$3,023
22	HK$2,801	HK$3,081
23	HK$2,855	HK$3,141
24	HK$2,910	HK$3,201
25	HK$2,964	HK$3,260
26	HK$3,057	HK$3,363
27	HK$3,153	HK$3,468
28	HK$3,252	HK$3,577
29	HK$3,313	HK$3,644
30	HK$3,355	HK$3,691
31	HK$3,415	HK$3,757
32	HK$3,476	HK$3,824
33	HK$3,538	HK$3,892
34	HK$3,576	HK$3,934
35	HK$3,602	HK$3,962
36	HK$3,642	HK$4,006
37	HK$3,672	HK$4,039
38	HK$3,682	HK$4,050
39	HK$3,692	HK$4,061
40	HK$3,702	HK$4,072
41	HK$3,959	HK$4,355
42	HK$4,164	HK$4,580
43	HK$4,235	HK$4,659
44	HK$4,307	HK$4,738
45	HK$4,379	HK$4,817
46	HK$4,708	HK$5,179
47	HK$4,971	HK$5,468
48	HK$5,062	HK$5,568
49	HK$5,154	HK$5,669
50	HK$5,248	HK$5,773
51	HK$5,427	HK$5,970
52	HK$5,581	HK$6,139
53	HK$5,707	HK$6,278
54	HK$5,804	HK$6,384
55	HK$5,870	HK$5,870
56	HK$6,163	HK$6,163
57	HK$6,471	HK$6,471
58	HK$6,794	HK$6,794
59	HK$7,134	HK$7,134
60	HK$7,491	HK$7,491
61	HK$8,171	HK$8,171
62	HK$8,913	HK$8,913
63	HK$9,722	HK$9,722
64	HK$10,605	HK$10,605
65	HK$11,569	HK$11,569
66	HK$12,188	HK$12,188
67	HK$12,841	HK$12,841
68	HK$13,529	HK$13,529
69	HK$13,959	HK$13,959
70	HK$14,253	HK$14,253
71	HK$14,991	HK$14,991
72	HK$15,767	HK$15,767
73	HK$16,583	HK$16,583
74	HK$17,093	HK$17,093
75	HK$17,441	HK$17,441
76	HK$18,259	HK$18,259
77	HK$19,116	HK$19,116
78	HK$20,013	HK$20,013
79	HK$20,952	HK$20,952
80	HK$21,935	HK$21,935
81	HK$22,246	HK$22,246
82	HK$22,730	HK$22,730
83	HK$23,110	HK$23,110
84	HK$23,559	HK$23,559
85	HK$24,159	HK$24,159
86	HK$24,544	HK$24,544
87	HK$24,928	HK$24,928
88	HK$25,348	HK$25,348
89	HK$25,732	HK$25,732
90	HK$26,153	HK$26,153
91	HK$26,607	HK$26,607
92	HK$27,027	HK$27,027
93	HK$27,376	HK$27,376
94	HK$27,831	HK$27,831
95	HK$28,076	HK$28,076
96	HK$28,600	HK$28,600
97	HK$28,950	HK$28,950
98	HK$29,369	HK$29,369
99	HK$29,754	HK$29,754
100	HK$30,152	HK$30,152
101	HK$30,547	HK$30,547
102	HK$30,947	HK$30,947
103	HK$31,352	HK$31,352
104	HK$31,763	HK$31,763
105	HK$32,180	HK$32,180
106	HK$32,601	HK$32,601
107	HK$33,029	HK$33,029
108	HK$33,462	HK$33,462
109	HK$33,901	HK$33,901
110	HK$34,345	HK$34,345
111	HK$34,796	HK$34,796
112	HK$35,252	HK$35,252
113	HK$35,714	HK$35,714
114	HK$36,184	HK$36,184
115	HK$36,658	HK$36,658
116	HK$37,140	HK$37,140
117	HK$37,627	HK$37,627
118	HK$38,121	HK$38,121
119	HK$38,622	HK$38,622
120	HK$39,129	HK$39,129
121	HK$39,643	HK$39,643
122	HK$40,164	HK$40,164
123	HK$40,691	HK$40,691
124	HK$41,226	HK$41,226
125	HK$41,768	HK$41,768
126	HK$42,317	HK$42,317
127	HK$42,874	HK$42,874

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 →

View details →

View details →

View details →

HK$150K

Current page

HK$150K

View details →

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.