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VHIS Flexi · F00075-08-000-01

Chubb VHIS - Prime Plan - HKD50,000 Deductible (Worldwide excluding USA)

安達自願醫保（優裕）計劃 - 50,000 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$8,690 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$50,000

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$12,590	HK$12,590
1	HK$12,590	HK$12,590
2	HK$12,590	HK$12,590
3	HK$12,590	HK$12,590
4	HK$12,590	HK$12,590
5	HK$11,852	HK$11,852
6	HK$11,852	HK$11,852
7	HK$11,852	HK$11,852
8	HK$11,852	HK$11,852
9	HK$11,852	HK$11,852
10	HK$11,852	HK$11,852
11	HK$11,852	HK$11,852
12	HK$11,852	HK$11,852
13	HK$11,852	HK$11,852
14	HK$11,852	HK$11,852
15	HK$11,852	HK$11,852
16	HK$11,852	HK$11,852
17	HK$11,852	HK$11,852
18	HK$5,944	HK$6,538
19	HK$5,961	HK$6,557
20	HK$5,979	HK$6,577
21	HK$6,187	HK$6,806
22	HK$6,402	HK$7,042
23	HK$6,625	HK$7,288
24	HK$6,855	HK$7,541
25	HK$7,093	HK$7,802
26	HK$7,462	HK$8,208
27	HK$7,851	HK$8,636
28	HK$8,260	HK$9,086
29	HK$8,515	HK$9,367
30	HK$8,690	HK$9,559
31	HK$8,853	HK$9,738
32	HK$9,019	HK$9,921
33	HK$9,188	HK$10,107
34	HK$9,291	HK$10,220
35	HK$9,360	HK$10,296
36	HK$9,556	HK$10,512
37	HK$9,756	HK$10,732
38	HK$9,960	HK$10,956
39	HK$10,084	HK$11,092
40	HK$10,167	HK$11,184
41	HK$10,671	HK$11,738
42	HK$11,200	HK$12,320
43	HK$11,755	HK$12,931
44	HK$12,101	HK$13,311
45	HK$12,338	HK$13,572
46	HK$12,929	HK$14,222
47	HK$13,443	HK$14,787
48	HK$13,869	HK$15,256
49	HK$14,198	HK$15,618
50	HK$14,422	HK$15,864
51	HK$14,964	HK$16,460
52	HK$15,527	HK$17,080
53	HK$16,111	HK$17,722
54	HK$16,717	HK$18,389
55	HK$17,346	HK$17,346
56	HK$18,435	HK$18,435
57	HK$19,592	HK$19,592
58	HK$20,822	HK$20,822
59	HK$22,129	HK$22,129
60	HK$23,517	HK$23,517
61	HK$25,632	HK$25,632
62	HK$27,937	HK$27,937
63	HK$30,450	HK$30,450
64	HK$33,189	HK$33,189
65	HK$36,173	HK$36,173
66	HK$38,313	HK$38,313
67	HK$40,580	HK$40,580
68	HK$42,981	HK$42,981
69	HK$44,489	HK$44,489
70	HK$45,525	HK$45,525
71	HK$47,421	HK$47,421
72	HK$49,396	HK$49,396
73	HK$51,454	HK$51,454
74	HK$53,597	HK$53,597
75	HK$55,830	HK$55,830
76	HK$59,426	HK$59,426
77	HK$63,253	HK$63,253
78	HK$67,327	HK$67,327
79	HK$71,663	HK$71,663
80	HK$76,278	HK$76,278
81	HK$77,375	HK$77,375
82	HK$79,079	HK$79,079
83	HK$80,420	HK$80,420
84	HK$82,003	HK$82,003
85	HK$83,100	HK$83,100
86	HK$84,440	HK$84,440
87	HK$85,779	HK$85,779
88	HK$87,241	HK$87,241
89	HK$88,581	HK$88,581
90	HK$90,043	HK$90,043
91	HK$91,626	HK$91,626
92	HK$93,088	HK$93,088
93	HK$94,307	HK$94,307
94	HK$95,890	HK$95,890
95	HK$96,742	HK$96,742
96	HK$98,570	HK$98,570
97	HK$99,788	HK$99,788
98	HK$101,249	HK$101,249
99	HK$102,590	HK$102,590
100	HK$103,977	HK$103,977
101	HK$105,353	HK$105,353
102	HK$106,746	HK$106,746
103	HK$108,159	HK$108,159
104	HK$109,590	HK$109,590
105	HK$111,039	HK$111,039
106	HK$112,509	HK$112,509
107	HK$113,998	HK$113,998
108	HK$115,506	HK$115,506
109	HK$117,034	HK$117,034
110	HK$118,583	HK$118,583
111	HK$120,152	HK$120,152
112	HK$121,742	HK$121,742
113	HK$123,354	HK$123,354
114	HK$124,987	HK$124,987
115	HK$126,640	HK$126,640
116	HK$128,317	HK$128,317
117	HK$130,015	HK$130,015
118	HK$131,737	HK$131,737
119	HK$133,481	HK$133,481
120	HK$135,248	HK$135,248
121	HK$137,039	HK$137,039
122	HK$138,852	HK$138,852
123	HK$140,691	HK$140,691
124	HK$142,554	HK$142,554
125	HK$144,441	HK$144,441
126	HK$146,354	HK$146,354
127	HK$148,292	HK$148,292

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.