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VHIS Flexi · F00075-07-000-01

Chubb VHIS - Prime Plan - HKD25,000 Deductible (Worldwide excluding USA)

安達自願醫保（優裕）計劃 - 25,000 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$11,642 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$25,000

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$16,218	HK$16,218
1	HK$16,218	HK$16,218
2	HK$16,218	HK$16,218
3	HK$16,218	HK$16,218
4	HK$16,218	HK$16,218
5	HK$15,252	HK$15,252
6	HK$15,252	HK$15,252
7	HK$15,252	HK$15,252
8	HK$15,252	HK$15,252
9	HK$15,252	HK$15,252
10	HK$15,252	HK$15,252
11	HK$15,252	HK$15,252
12	HK$15,252	HK$15,252
13	HK$15,252	HK$15,252
14	HK$15,252	HK$15,252
15	HK$15,252	HK$15,252
16	HK$15,252	HK$15,252
17	HK$15,252	HK$15,252
18	HK$7,680	HK$8,448
19	HK$7,734	HK$8,508
20	HK$7,789	HK$8,568
21	HK$8,084	HK$8,892
22	HK$8,390	HK$9,229
23	HK$8,708	HK$9,579
24	HK$9,038	HK$9,942
25	HK$9,380	HK$10,318
26	HK$9,901	HK$10,891
27	HK$10,450	HK$11,495
28	HK$11,030	HK$12,133
29	HK$11,393	HK$12,532
30	HK$11,642	HK$12,806
31	HK$11,862	HK$13,048
32	HK$12,086	HK$13,295
33	HK$12,315	HK$13,547
34	HK$12,454	HK$13,699
35	HK$12,548	HK$13,803
36	HK$12,680	HK$13,948
37	HK$12,813	HK$14,094
38	HK$12,948	HK$14,243
39	HK$13,029	HK$14,332
40	HK$13,084	HK$14,392
41	HK$13,776	HK$15,154
42	HK$14,504	HK$15,954
43	HK$15,271	HK$16,798
44	HK$15,751	HK$17,326
45	HK$16,079	HK$17,687
46	HK$16,858	HK$18,544
47	HK$17,675	HK$19,443
48	HK$18,531	HK$20,384
49	HK$19,064	HK$20,970
50	HK$19,428	HK$21,371
51	HK$20,163	HK$22,179
52	HK$20,926	HK$23,019
53	HK$21,718	HK$23,890
54	HK$22,540	HK$24,794
55	HK$23,393	HK$23,393
56	HK$24,868	HK$24,868
57	HK$26,436	HK$26,436
58	HK$28,103	HK$28,103
59	HK$29,875	HK$29,875
60	HK$31,760	HK$31,760
61	HK$34,730	HK$34,730
62	HK$37,978	HK$37,978
63	HK$41,530	HK$41,530
64	HK$45,414	HK$45,414
65	HK$49,660	HK$49,660
66	HK$52,406	HK$52,406
67	HK$55,304	HK$55,304
68	HK$58,363	HK$58,363
69	HK$60,279	HK$60,279
70	HK$61,591	HK$61,591
71	HK$64,160	HK$64,160
72	HK$66,836	HK$66,836
73	HK$69,624	HK$69,624
74	HK$72,528	HK$72,528
75	HK$75,553	HK$75,553
76	HK$80,353	HK$80,353
77	HK$85,458	HK$85,458
78	HK$90,888	HK$90,888
79	HK$96,663	HK$96,663
80	HK$102,805	HK$102,805
81	HK$104,285	HK$104,285
82	HK$106,586	HK$106,586
83	HK$108,395	HK$108,395
84	HK$110,532	HK$110,532
85	HK$112,012	HK$112,012
86	HK$113,821	HK$113,821
87	HK$115,627	HK$115,627
88	HK$117,601	HK$117,601
89	HK$119,410	HK$119,410
90	HK$121,382	HK$121,382
91	HK$123,519	HK$123,519
92	HK$125,493	HK$125,493
93	HK$127,137	HK$127,137
94	HK$129,274	HK$129,274
95	HK$130,424	HK$130,424
96	HK$132,891	HK$132,891
97	HK$134,534	HK$134,534
98	HK$136,507	HK$136,507
99	HK$138,316	HK$138,316
100	HK$140,189	HK$140,189
101	HK$142,045	HK$142,045
102	HK$143,925	HK$143,925
103	HK$145,833	HK$145,833
104	HK$147,763	HK$147,763
105	HK$149,720	HK$149,720
106	HK$151,703	HK$151,703
107	HK$153,713	HK$153,713
108	HK$155,748	HK$155,748
109	HK$157,810	HK$157,810
110	HK$159,901	HK$159,901
111	HK$162,018	HK$162,018
112	HK$164,165	HK$164,165
113	HK$166,340	HK$166,340
114	HK$168,543	HK$168,543
115	HK$170,775	HK$170,775
116	HK$173,039	HK$173,039
117	HK$175,330	HK$175,330
118	HK$177,653	HK$177,653
119	HK$180,007	HK$180,007
120	HK$182,392	HK$182,392
121	HK$184,809	HK$184,809
122	HK$187,257	HK$187,257
123	HK$189,739	HK$189,739
124	HK$192,252	HK$192,252
125	HK$194,799	HK$194,799
126	HK$197,382	HK$197,382
127	HK$199,997	HK$199,997

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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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.