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VHIS Flexi · F00075-10-000-01

Chubb VHIS - Prime Plan - HKD150,000 Deductible (Worldwide excluding USA)

安達自願醫保（優裕）計劃 - 150,000 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$6,693 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$150,000

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$9,810	HK$9,810
1	HK$9,810	HK$9,810
2	HK$9,810	HK$9,810
3	HK$9,810	HK$9,810
4	HK$9,810	HK$9,810
5	HK$9,248	HK$9,248
6	HK$9,248	HK$9,248
7	HK$9,248	HK$9,248
8	HK$9,248	HK$9,248
9	HK$9,248	HK$9,248
10	HK$9,248	HK$9,248
11	HK$9,248	HK$9,248
12	HK$9,248	HK$9,248
13	HK$9,248	HK$9,248
14	HK$9,248	HK$9,248
15	HK$9,248	HK$9,248
16	HK$9,248	HK$9,248
17	HK$9,248	HK$9,248
18	HK$4,672	HK$5,139
19	HK$4,720	HK$5,191
20	HK$4,768	HK$5,245
21	HK$4,925	HK$5,418
22	HK$5,088	HK$5,597
23	HK$5,256	HK$5,782
24	HK$5,430	HK$5,973
25	HK$5,609	HK$6,170
26	HK$5,862	HK$6,448
27	HK$6,127	HK$6,740
28	HK$6,404	HK$7,044
29	HK$6,576	HK$7,234
30	HK$6,693	HK$7,362
31	HK$6,857	HK$7,543
32	HK$7,025	HK$7,728
33	HK$7,197	HK$7,917
34	HK$7,302	HK$8,032
35	HK$7,374	HK$8,111
36	HK$7,448	HK$8,193
37	HK$7,504	HK$8,254
38	HK$7,523	HK$8,275
39	HK$7,542	HK$8,296
40	HK$7,560	HK$8,316
41	HK$8,195	HK$9,015
42	HK$8,706	HK$9,577
43	HK$8,883	HK$9,771
44	HK$9,064	HK$9,970
45	HK$9,250	HK$10,175
46	HK$9,807	HK$10,788
47	HK$10,296	HK$11,326
48	HK$10,705	HK$11,776
49	HK$11,022	HK$12,124
50	HK$11,239	HK$12,363
51	HK$11,650	HK$12,815
52	HK$12,004	HK$13,204
53	HK$12,295	HK$13,525
54	HK$12,518	HK$13,770
55	HK$12,670	HK$12,670
56	HK$13,460	HK$13,460
57	HK$14,299	HK$14,299
58	HK$15,190	HK$15,190
59	HK$16,137	HK$16,137
60	HK$17,142	HK$17,142
61	HK$18,712	HK$18,712
62	HK$20,426	HK$20,426
63	HK$22,296	HK$22,296
64	HK$24,338	HK$24,338
65	HK$26,566	HK$26,566
66	HK$27,902	HK$27,902
67	HK$29,306	HK$29,306
68	HK$30,780	HK$30,780
69	HK$31,700	HK$31,700
70	HK$32,329	HK$32,329
71	HK$33,346	HK$33,346
72	HK$34,537	HK$34,537
73	HK$36,067	HK$36,067
74	HK$37,977	HK$37,977
75	HK$39,742	HK$39,742
76	HK$42,766	HK$42,766
77	HK$45,866	HK$45,866
78	HK$49,028	HK$49,028
79	HK$52,233	HK$52,233
80	HK$55,462	HK$55,462
81	HK$56,258	HK$56,258
82	HK$57,494	HK$57,494
83	HK$58,467	HK$58,467
84	HK$59,616	HK$59,616
85	HK$60,412	HK$60,412
86	HK$61,384	HK$61,384
87	HK$62,356	HK$62,356
88	HK$63,417	HK$63,417
89	HK$64,389	HK$64,389
90	HK$65,450	HK$65,450
91	HK$66,599	HK$66,599
92	HK$67,660	HK$67,660
93	HK$68,544	HK$68,544
94	HK$69,693	HK$69,693
95	HK$70,311	HK$70,311
96	HK$71,638	HK$71,638
97	HK$72,521	HK$72,521
98	HK$73,582	HK$73,582
99	HK$74,554	HK$74,554
100	HK$75,561	HK$75,561
101	HK$76,559	HK$76,559
102	HK$77,570	HK$77,570
103	HK$78,596	HK$78,596
104	HK$79,634	HK$79,634
105	HK$80,686	HK$80,686
106	HK$81,752	HK$81,752
107	HK$82,833	HK$82,833
108	HK$83,927	HK$83,927
109	HK$85,036	HK$85,036
110	HK$86,160	HK$86,160
111	HK$87,298	HK$87,298
112	HK$88,452	HK$88,452
113	HK$89,622	HK$89,622
114	HK$90,806	HK$90,806
115	HK$92,006	HK$92,006
116	HK$93,223	HK$93,223
117	HK$94,455	HK$94,455
118	HK$95,704	HK$95,704
119	HK$96,970	HK$96,970
120	HK$98,252	HK$98,252
121	HK$99,552	HK$99,552
122	HK$100,868	HK$100,868
123	HK$102,202	HK$102,202
124	HK$103,554	HK$103,554
125	HK$104,923	HK$104,923
126	HK$106,312	HK$106,312
127	HK$107,717	HK$107,717

Other deductible options in this series

10 deductibles — same benefit schedule, premium scales with deductible

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HK$150K

Current page

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.