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Chubb VHIS - Superb Plan - HKD50,000 Deductible

安達自願醫保（摯裕）計劃 - 50,000 港元自付費

Chubb VHIS - Superb Plan - HKD50,000 Deductible is a VHIS Flexi plan offered by Chubb Life Insurance Hong Kong Limited, with ward class Ward, Greater China coverage and HK$6,000,000 annual benefit limit. Latest plan-document version: Oct 1, 2026.

VHIS FlexiF00082-03-000-01

Plan at a glance

Ward class: Ward
Coverage region: Greater China
Deductible: —
Annual benefit limit: HK$6,000,000
Per-illness annual limit: —
Lifetime benefit limit: 不適用
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 cover(5)R&C
(b) Miscellaneous charges (b) 雜項開支	Full cover(5)(subject to the benefit limit of Enhanced benefit 6Medical appliances benefit)R&C
(c) Attending doctor's visit fee (c) 主診醫生巡房費	Full cover(5)R&C
(d) Specialist's fee (d) 專科醫生費	Full cover(5)R&C
(e) Intensive care (e) 深切治療	Full cover(5)R&C
(f) Surgeon's fee (f) 外科醫生費	Full cover(5) regardless of surgical categoryR&C
(g) Anaesthetist's fee (g) 麻醉科醫生費	Full cover(5)R&C
(h) Operating theatre charges (h) 手術室費	Full cover(5)R&C
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	Full cover(5)R&C
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	Full cover(5)R&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 cover(5)Before Confinement / Day Case Procedure:• All outpatient visits (within 30 days prior toConfinement/Day Case Procedure, maximum 1outpatient visit per day)• Maximum 1 outpatient visit (more than 30 daysprior to Confinement/Day Case Procedure)After Confinement / Day Case Procedure:• Maximum 12 outpatient visits (within 90 daysafter discharge from Hospital/completion ofDay Case Procedure, subject to 1 outpatient visitper day)R&C
(l) Psychiatric treatments (l) 精神科治療	$40,000 per Policy Year
Extra Benefits
Hospital companion bed fee reimbursement 住院陪床費保障	Full reimbursement of Eligible ExpensesR&C
Home nursing 居家看護費保障	Full reimbursement of Eligible Expenses, maximum 60 days per Policy Year (within 90 days after discharge following surgery or Intensive Care Unit stay; up to 1 registered nurse per day)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	全數賠償R&C
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
Post-Confinement / Day Case Procedure auxiliary therapy 出院／日間手術後門診輔助保障	$1,000 per visit, maximum 30 visits per Policy Year (within the post-discharge window after Confinement or Day Case Procedure, up to 1 per day)
Cash Benefits
Day surgery cash benefit 日間手術現金保障	每個日間手術$1,200 每保單年度最多10個日間手術；每日最多1個日間手術
Second-claim cash allowanceAfter other pays 額外現金補貼保障	於住院期間內，每日$800 每保單年度最多90日
Event Benefits
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 cover(5)R&C
(b) Miscellaneous charges
(b) 雜項開支
Full cover(5)(subject to the benefit limit of Enhanced benefit 6Medical appliances benefit)R&C
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
Full cover(5)R&C
(d) Specialist's fee
(d) 專科醫生費
Full cover(5)R&C
(e) Intensive care
(e) 深切治療
Full cover(5)R&C
(f) Surgeon's fee
(f) 外科醫生費
Full cover(5) regardless of surgical categoryR&C
(g) Anaesthetist's fee
(g) 麻醉科醫生費
Full cover(5)R&C
(h) Operating theatre charges
(h) 手術室費
Full cover(5)R&C
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
Full cover(5)R&C
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
Full cover(5)R&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 cover(5)Before Confinement / Day Case Procedure:• All outpatient visits (within 30 days prior toConfinement/Day Case Procedure, maximum 1outpatient visit per day)• Maximum 1 outpatient visit (more than 30 daysprior to Confinement/Day Case Procedure)After Confinement / Day Case Procedure:• Maximum 12 outpatient visits (within 90 daysafter discharge from Hospital/completion ofDay Case Procedure, subject to 1 outpatient visitper day)R&C
(l) Psychiatric treatments
(l) 精神科治療
$40,000 per Policy Year

Extra Benefits

Hospital companion bed fee reimbursement
住院陪床費保障
Full reimbursement of Eligible ExpensesR&C
Home nursing
居家看護費保障
Full reimbursement of Eligible Expenses, maximum 60 days per Policy Year (within 90 days after discharge following surgery or Intensive Care Unit stay; up to 1 registered nurse per day)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
全數賠償R&C
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
Post-Confinement / Day Case Procedure auxiliary therapy
出院／日間手術後門診輔助保障
$1,000 per visit, maximum 30 visits per Policy Year (within the post-discharge window after Confinement or Day Case Procedure, up to 1 per day)

Cash Benefits

Day surgery cash benefit
日間手術現金保障
每個日間手術$1,200 每保單年度最多10個日間手術；每日最多1個日間手術
Second-claim cash allowanceAfter other pays
額外現金補貼保障
於住院期間內，每日$800 每保單年度最多90日

Event Benefits

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$3,868	HK$3,868
1	HK$3,868	HK$3,868
2	HK$3,868	HK$3,868
3	HK$3,868	HK$3,868
4	HK$3,868	HK$3,868
5	HK$3,318	HK$3,318
6	HK$3,318	HK$3,318
7	HK$3,318	HK$3,318
8	HK$3,318	HK$3,318
9	HK$3,318	HK$3,318
10	HK$2,823	HK$2,823
11	HK$2,665	HK$2,665
12	HK$2,507	HK$2,507
13	HK$2,349	HK$2,349
14	HK$2,192	HK$2,192
15	HK$2,034	HK$2,034
16	HK$2,061	HK$2,061
17	HK$2,088	HK$2,088
18	HK$2,115	HK$2,251
19	HK$2,142	HK$2,356
20	HK$2,168	HK$2,386
21	HK$2,228	HK$2,452
22	HK$2,288	HK$2,518
23	HK$2,348	HK$2,584
24	HK$2,408	HK$2,649
25	HK$2,468	HK$2,715
26	HK$2,525	HK$2,777
27	HK$2,581	HK$2,839
28	HK$2,638	HK$2,899
29	HK$2,694	HK$2,963
30	HK$2,751	HK$3,026
31	HK$2,795	HK$3,074
32	HK$2,839	HK$3,123
33	HK$2,883	HK$3,172
34	HK$2,928	HK$3,221
35	HK$2,972	HK$3,267
36	HK$3,048	HK$3,354
37	HK$3,123	HK$3,437
38	HK$3,199	HK$3,518
39	HK$3,274	HK$3,601
40	HK$3,350	HK$3,683
41	HK$3,497	HK$3,846
42	HK$3,645	HK$4,010
43	HK$3,792	HK$4,171
44	HK$3,940	HK$4,336
45	HK$4,088	HK$4,496
46	HK$4,282	HK$4,709
47	HK$4,476	HK$4,923
48	HK$4,671	HK$5,137
49	HK$4,865	HK$5,351
50	HK$5,060	HK$5,567
51	HK$5,376	HK$5,913
52	HK$5,693	HK$6,263
53	HK$6,009	HK$6,611
54	HK$6,326	HK$6,959
55	HK$6,642	HK$7,305
56	HK$7,164	HK$7,880
57	HK$7,685	HK$8,452
58	HK$8,207	HK$9,026
59	HK$8,728	HK$9,600
60	HK$9,249	HK$10,175
61	HK$9,894	HK$10,882
62	HK$10,539	HK$11,593
63	HK$11,184	HK$12,302
64	HK$11,829	HK$13,012
65	HK$12,474	HK$13,722
66	HK$13,245	HK$14,569
67	HK$14,015	HK$15,417
68	HK$14,786	HK$16,264
69	HK$15,556	HK$17,113
70	HK$16,327	HK$17,959
71	HK$17,094	HK$18,802
72	HK$17,862	HK$19,649
73	HK$18,629	HK$20,493
74	HK$19,397	HK$21,336
75	HK$20,164	HK$22,182
76	HK$21,159	HK$23,274
77	HK$22,153	HK$24,369
78	HK$23,147	HK$25,463
79	HK$24,142	HK$26,556
80	HK$25,136	HK$27,649
81	HK$26,103	HK$28,712
82	HK$27,070	HK$29,776
83	HK$28,037	HK$30,842
84	HK$29,004	HK$31,905
85	HK$29,971	HK$32,967
86	HK$30,938	HK$34,032
87	HK$31,905	HK$35,096
88	HK$32,873	HK$36,163
89	HK$33,840	HK$37,222
90	HK$34,807	HK$38,289
91	HK$36,033	HK$39,635
92	HK$37,258	HK$40,985
93	HK$38,484	HK$42,333
94	HK$39,710	HK$43,680
95	HK$40,936	HK$45,030
96	HK$42,162	HK$46,378
97	HK$43,388	HK$47,728
98	HK$44,614	HK$49,074
99	HK$45,840	HK$50,423
100	HK$45,840	HK$50,423
101	HK$45,840	HK$50,423
102	HK$45,840	HK$50,423
103	HK$45,840	HK$50,423
104	HK$45,840	HK$50,423
105	HK$45,840	HK$50,423
106	HK$45,840	HK$50,423
107	HK$45,840	HK$50,423
108	HK$45,840	HK$50,423
109	HK$45,840	HK$50,423
110	HK$45,840	HK$50,423
111	HK$45,840	HK$50,423
112	HK$45,840	HK$50,423
113	HK$45,840	HK$50,423
114	HK$45,840	HK$50,423
115	HK$45,840	HK$50,423
116	HK$45,840	HK$50,423
117	HK$45,840	HK$50,423
118	HK$45,840	HK$50,423
119	HK$45,840	HK$50,423
120	HK$45,840	HK$50,423
121	HK$45,840	HK$50,423
122	HK$45,840	HK$50,423
123	HK$45,840	HK$50,423
124	HK$45,840	HK$50,423
125	HK$45,840	HK$50,423
126	HK$45,840	HK$50,423
127	HK$45,840	HK$50,423

How to apply for this plan

This plan is offered by Chubb Life Insurance Hong Kong Limited. To apply, contact Chubb Life Insurance Hong Kong Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
Benefit schedule PDF Premium table PDF

This site's licensed insurance agent can only arrange FWD plans.

Other deductible options in this series

4 deductibles — same benefit schedule, premium scales with deductible

HKD0 Deductible

View details →

HKD25,000 Deductible

View details →

HKD50,000 Deductible

Current page

HKD100,000 Deductible

View details →

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Oct 1, 2026
Plan data updated: 2026-10-05

Chubb VHIS - Superb Plan - HKD50,000 Deductible

Plan at a glance

Benefits

Premium Schedule

How to apply for this plan

Other deductible options in this series

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款