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VHIS Flexi · F00075-02-000-01

Chubb VHIS - Prime Plan - HKD25,000 Deductible (Asia)

安達自願醫保（優裕）計劃 - 25,000 港元自付費 (亞洲)

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$5,871 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$25,000

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$8,962	HK$8,962
1	HK$8,962	HK$8,962
2	HK$8,962	HK$8,962
3	HK$8,962	HK$8,962
4	HK$8,962	HK$8,962
5	HK$8,456	HK$8,456
6	HK$8,456	HK$8,456
7	HK$8,456	HK$8,456
8	HK$8,456	HK$8,456
9	HK$8,456	HK$8,456
10	HK$8,456	HK$8,456
11	HK$8,456	HK$8,456
12	HK$8,456	HK$8,456
13	HK$8,456	HK$8,456
14	HK$8,456	HK$8,456
15	HK$8,456	HK$8,456
16	HK$8,456	HK$8,456
17	HK$8,456	HK$8,456
18	HK$4,236	HK$4,659
19	HK$4,243	HK$4,668
20	HK$4,251	HK$4,676
21	HK$4,389	HK$4,828
22	HK$4,531	HK$4,984
23	HK$4,678	HK$5,146
24	HK$4,830	HK$5,313
25	HK$4,987	HK$5,486
26	HK$5,195	HK$5,715
27	HK$5,411	HK$5,952
28	HK$5,636	HK$6,200
29	HK$5,776	HK$6,354
30	HK$5,871	HK$6,458
31	HK$5,997	HK$6,597
32	HK$6,125	HK$6,738
33	HK$6,256	HK$6,882
34	HK$6,336	HK$6,970
35	HK$6,390	HK$7,029
36	HK$6,446	HK$7,091
37	HK$6,503	HK$7,153
38	HK$6,560	HK$7,216
39	HK$6,594	HK$7,253
40	HK$6,617	HK$7,279
41	HK$7,201	HK$7,921
42	HK$7,672	HK$8,439
43	HK$7,836	HK$8,620
44	HK$8,003	HK$8,803
45	HK$8,174	HK$8,991
46	HK$8,605	HK$9,466
47	HK$9,059	HK$9,965
48	HK$9,537	HK$10,491
49	HK$9,836	HK$10,820
50	HK$10,041	HK$11,045
51	HK$10,434	HK$11,477
52	HK$10,773	HK$11,850
53	HK$11,053	HK$12,158
54	HK$11,267	HK$12,394
55	HK$11,413	HK$11,413
56	HK$12,097	HK$12,097
57	HK$12,822	HK$12,822
58	HK$13,590	HK$13,590
59	HK$14,404	HK$14,404
60	HK$15,266	HK$15,266
61	HK$16,401	HK$16,401
62	HK$18,047	HK$18,047
63	HK$20,338	HK$20,338
64	HK$22,379	HK$22,379
65	HK$24,625	HK$24,625
66	HK$26,316	HK$26,316
67	HK$27,691	HK$27,691
68	HK$28,945	HK$28,945
69	HK$30,055	HK$30,055
70	HK$30,729	HK$30,729
71	HK$31,555	HK$31,555
72	HK$32,669	HK$32,669
73	HK$34,029	HK$34,029
74	HK$35,664	HK$35,664
75	HK$37,683	HK$37,683
76	HK$39,978	HK$39,978
77	HK$42,312	HK$42,312
78	HK$44,677	HK$44,677
79	HK$46,620	HK$46,620
80	HK$47,735	HK$47,735
81	HK$48,419	HK$48,419
82	HK$49,483	HK$49,483
83	HK$50,320	HK$50,320
84	HK$51,307	HK$51,307
85	HK$53,200	HK$53,200
86	HK$54,056	HK$54,056
87	HK$54,911	HK$54,911
88	HK$55,844	HK$55,844
89	HK$56,699	HK$56,699
90	HK$58,311	HK$58,311
91	HK$59,334	HK$59,334
92	HK$60,278	HK$60,278
93	HK$61,064	HK$61,064
94	HK$62,087	HK$62,087
95	HK$62,639	HK$62,639
96	HK$63,818	HK$63,818
97	HK$64,605	HK$64,605
98	HK$65,549	HK$65,549
99	HK$66,414	HK$66,414
100	HK$67,310	HK$67,310
101	HK$68,199	HK$68,199
102	HK$69,099	HK$69,099
103	HK$70,011	HK$70,011
104	HK$70,935	HK$70,935
105	HK$71,873	HK$71,873
106	HK$72,821	HK$72,821
107	HK$73,783	HK$73,783
108	HK$74,757	HK$74,757
109	HK$75,744	HK$75,744
110	HK$76,745	HK$76,745
111	HK$77,759	HK$77,759
112	HK$78,785	HK$78,785
113	HK$79,825	HK$79,825
114	HK$80,881	HK$80,881
115	HK$81,949	HK$81,949
116	HK$83,032	HK$83,032
117	HK$84,129	HK$84,129
118	HK$85,240	HK$85,240
119	HK$86,367	HK$86,367
120	HK$87,509	HK$87,509
121	HK$88,665	HK$88,665
122	HK$89,837	HK$89,837
123	HK$91,024	HK$91,024
124	HK$92,228	HK$92,228
125	HK$93,446	HK$93,446
126	HK$94,682	HK$94,682
127	HK$95,934	HK$95,934

Other deductible options in this series

10 deductibles — same benefit schedule, premium scales with deductible

HK$0

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HK$0

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HK$25K

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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.