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VHIS Flexi · F00075-03-000-01

Chubb VHIS - Prime Plan - HKD50,000 Deductible (Asia)

安達自願醫保（優裕）計劃 - 50,000 港元自付費 (亞洲)

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$5,096 /yr

age

Ward class

Semi-Private Room

Coverage region

Asia incl. AU/NZ

Deductible

HK$50,000

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$7,426	HK$7,426
1	HK$7,426	HK$7,426
2	HK$7,426	HK$7,426
3	HK$7,426	HK$7,426
4	HK$7,426	HK$7,426
5	HK$7,208	HK$7,208
6	HK$7,208	HK$7,208
7	HK$7,208	HK$7,208
8	HK$7,208	HK$7,208
9	HK$7,208	HK$7,208
10	HK$7,208	HK$7,208
11	HK$7,208	HK$7,208
12	HK$7,208	HK$7,208
13	HK$7,208	HK$7,208
14	HK$7,208	HK$7,208
15	HK$7,208	HK$7,208
16	HK$7,208	HK$7,208
17	HK$7,208	HK$7,208
18	HK$3,623	HK$3,986
19	HK$3,643	HK$4,007
20	HK$3,662	HK$4,028
21	HK$3,764	HK$4,140
22	HK$3,869	HK$4,256
23	HK$3,977	HK$4,375
24	HK$4,088	HK$4,497
25	HK$4,200	HK$4,620
26	HK$4,408	HK$4,849
27	HK$4,626	HK$5,089
28	HK$4,855	HK$5,341
29	HK$4,998	HK$5,498
30	HK$5,096	HK$5,606
31	HK$5,126	HK$5,639
32	HK$5,157	HK$5,673
33	HK$5,188	HK$5,707
34	HK$5,207	HK$5,728
35	HK$5,219	HK$5,741
36	HK$5,316	HK$5,848
37	HK$5,415	HK$5,957
38	HK$5,515	HK$6,067
39	HK$5,576	HK$6,134
40	HK$5,617	HK$6,179
41	HK$5,925	HK$6,518
42	HK$6,167	HK$6,784
43	HK$6,250	HK$6,875
44	HK$6,334	HK$6,967
45	HK$6,419	HK$7,061
46	HK$6,919	HK$7,611
47	HK$7,319	HK$8,051
48	HK$7,457	HK$8,203
49	HK$7,598	HK$8,358
50	HK$7,742	HK$8,516
51	HK$8,074	HK$8,881
52	HK$8,362	HK$9,198
53	HK$8,600	HK$9,460
54	HK$8,783	HK$9,661
55	HK$8,906	HK$8,906
56	HK$9,395	HK$9,395
57	HK$9,911	HK$9,911
58	HK$10,456	HK$10,456
59	HK$11,031	HK$11,031
60	HK$11,637	HK$11,637
61	HK$12,537	HK$12,537
62	HK$13,846	HK$13,846
63	HK$15,676	HK$15,676
64	HK$17,313	HK$17,313
65	HK$19,120	HK$19,120
66	HK$20,297	HK$20,297
67	HK$21,248	HK$21,248
68	HK$22,111	HK$22,111
69	HK$22,872	HK$22,872
70	HK$23,331	HK$23,331
71	HK$23,956	HK$23,956
72	HK$24,798	HK$24,798
73	HK$25,827	HK$25,827
74	HK$27,063	HK$27,063
75	HK$28,588	HK$28,588
76	HK$30,495	HK$30,495
77	HK$32,446	HK$32,446
78	HK$34,432	HK$34,432
79	HK$36,071	HK$36,071
80	HK$37,015	HK$37,015
81	HK$37,545	HK$37,545
82	HK$38,368	HK$38,368
83	HK$39,015	HK$39,015
84	HK$39,779	HK$39,779
85	HK$41,256	HK$41,256
86	HK$41,918	HK$41,918
87	HK$42,580	HK$42,580
88	HK$43,302	HK$43,302
89	HK$43,963	HK$43,963
90	HK$44,686	HK$44,686
91	HK$45,468	HK$45,468
92	HK$46,190	HK$46,190
93	HK$46,791	HK$46,791
94	HK$47,573	HK$47,573
95	HK$47,995	HK$47,995
96	HK$48,897	HK$48,897
97	HK$49,499	HK$49,499
98	HK$50,221	HK$50,221
99	HK$50,882	HK$50,882
100	HK$51,568	HK$51,568
101	HK$52,247	HK$52,247
102	HK$52,935	HK$52,935
103	HK$53,633	HK$53,633
104	HK$54,340	HK$54,340
105	HK$55,057	HK$55,057
106	HK$55,782	HK$55,782
107	HK$56,517	HK$56,517
108	HK$57,262	HK$57,262
109	HK$58,017	HK$58,017
110	HK$58,782	HK$58,782
111	HK$59,558	HK$59,558
112	HK$60,342	HK$60,342
113	HK$61,138	HK$61,138
114	HK$61,945	HK$61,945
115	HK$62,762	HK$62,762
116	HK$63,590	HK$63,590
117	HK$64,429	HK$64,429
118	HK$65,279	HK$65,279
119	HK$66,141	HK$66,141
120	HK$67,013	HK$67,013
121	HK$67,898	HK$67,898
122	HK$68,794	HK$68,794
123	HK$69,701	HK$69,701
124	HK$70,622	HK$70,622
125	HK$71,554	HK$71,554
126	HK$72,499	HK$72,499
127	HK$73,457	HK$73,457

Other deductible options in this series

10 deductibles — same benefit schedule, premium scales with deductible

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HK$50K

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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.