Chubb VHIS - Superb Plan - HKD0 Deductible

安達自願醫保（摯裕）計劃 - 0 港元自付費

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$9,071 /yr

age

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 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	$40,000 per Policy Year
Room and board (a) 病房及膳食	$750 per day, maximum 180 days per Policy Year
Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
Intensive care (e) 深切治療	$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee (f) 外科醫生費	Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – Complex $50,000 Major $25,000 Intermediate $12,500 Minor $ 5,000
Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$20,000 per Policy Year. Subject to 30% Coinsurance.
Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 per Policy Year
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	$580, per visit, $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year
Extra Benefits
Hospital companion bed fee reimbursement 住院陪床費保障	Full reimbursement of Eligible ExpensesR&C
Daily post-surgery home nursing benefit 居家看護費保障	Full reimbursement of Eligible Expenses, maximum 60 days per Policy Year (within the post-discharge window after surgery or Intensive Care Unit stay, limited to 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	Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&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)
Annual benefit limit for items (a)–(l) and upgrade benefits (I)–(II) 保障項目(a) – (l) 的每年保障限額	$420,000 per Policy Year
Cash Benefits
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
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
$40,000 per Policy Year
Room and board
(a) 病房及膳食
$750 per day, maximum 180 days per Policy Year
Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
Intensive care
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee
(f) 外科醫生費
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – Complex $50,000 Major $25,000 Intermediate $12,500 Minor $ 5,000
Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$20,000 per Policy Year. Subject to 30% Coinsurance.
Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 per Policy Year
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
$580, per visit, $3,000 per Policy YearUp to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case ProcedureUp to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year

Extra Benefits

Hospital companion bed fee reimbursement
住院陪床費保障
Full reimbursement of Eligible ExpensesR&C
Daily post-surgery home nursing benefit
居家看護費保障
Full reimbursement of Eligible Expenses, maximum 60 days per Policy Year (within the post-discharge window after surgery or Intensive Care Unit stay, limited to 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
Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&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)
Annual benefit limit for items (a)–(l) and upgrade benefits (I)–(II)
保障項目(a) – (l) 的每年保障限額
$420,000 per Policy Year

Cash Benefits

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

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$9,434	HK$9,434
1	HK$9,434	HK$9,434
2	HK$9,434	HK$9,434
3	HK$9,434	HK$9,434
4	HK$9,434	HK$9,434
5	HK$8,209	HK$8,209
6	HK$8,209	HK$8,209
7	HK$8,209	HK$8,209
8	HK$8,209	HK$8,209
9	HK$8,209	HK$8,209
10	HK$6,983	HK$6,983
11	HK$6,782	HK$6,782
12	HK$6,582	HK$6,582
13	HK$6,381	HK$6,381
14	HK$6,180	HK$6,180
15	HK$5,979	HK$5,979
16	HK$6,094	HK$6,094
17	HK$6,208	HK$6,208
18	HK$6,322	HK$6,726
19	HK$6,437	HK$7,080
20	HK$6,551	HK$7,205
21	HK$6,829	HK$7,510
22	HK$7,108	HK$7,818
23	HK$7,386	HK$8,126
24	HK$7,664	HK$8,429
25	HK$7,943	HK$8,735
26	HK$8,168	HK$8,983
27	HK$8,394	HK$9,232
28	HK$8,620	HK$9,481
29	HK$8,845	HK$9,730
30	HK$9,071	HK$9,978
31	HK$9,273	HK$10,198
32	HK$9,474	HK$10,422
33	HK$9,676	HK$10,644
34	HK$9,878	HK$10,866
35	HK$10,080	HK$11,088
36	HK$10,380	HK$11,416
37	HK$10,680	HK$11,748
38	HK$10,981	HK$12,077
39	HK$11,281	HK$12,409
40	HK$11,581	HK$12,734
41	HK$12,087	HK$13,294
42	HK$12,593	HK$13,851
43	HK$13,098	HK$14,407
44	HK$13,604	HK$14,963
45	HK$14,110	HK$15,518
46	HK$14,641	HK$16,104
47	HK$15,172	HK$16,689
48	HK$15,702	HK$17,273
49	HK$16,233	HK$17,857
50	HK$16,764	HK$18,440
51	HK$17,545	HK$19,299
52	HK$18,325	HK$20,159
53	HK$19,106	HK$21,017
54	HK$19,886	HK$21,873
55	HK$20,667	HK$22,732
56	HK$22,054	HK$24,257
57	HK$23,442	HK$25,786
58	HK$24,829	HK$27,313
59	HK$26,217	HK$28,837
60	HK$27,604	HK$30,362
61	HK$30,431	HK$33,473
62	HK$33,259	HK$36,588
63	HK$36,086	HK$39,695
64	HK$38,914	HK$42,805
65	HK$41,741	HK$45,915
66	HK$44,055	HK$48,460
67	HK$46,369	HK$51,007
68	HK$48,684	HK$53,553
69	HK$50,998	HK$56,097
70	HK$53,312	HK$58,644
71	HK$55,677	HK$61,243
72	HK$58,041	HK$63,846
73	HK$60,406	HK$66,446
74	HK$62,770	HK$69,047
75	HK$65,135	HK$71,649
76	HK$66,957	HK$73,653
77	HK$68,779	HK$75,656
78	HK$70,600	HK$77,662
79	HK$72,422	HK$79,665
80	HK$74,244	HK$81,669
81	HK$77,118	HK$84,830
82	HK$79,993	HK$87,993
83	HK$82,867	HK$91,154
84	HK$85,742	HK$94,316
85	HK$88,616	HK$97,478
86	HK$91,490	HK$100,638
87	HK$94,365	HK$103,800
88	HK$97,239	HK$106,964
89	HK$100,114	HK$110,123
90	HK$102,988	HK$113,285
91	HK$105,234	HK$115,755
92	HK$107,479	HK$118,226
93	HK$109,725	HK$120,694
94	HK$111,970	HK$123,165
95	HK$114,216	HK$125,638
96	HK$116,461	HK$128,110
97	HK$118,707	HK$130,577
98	HK$120,952	HK$133,047
99	HK$123,198	HK$135,516
100	HK$123,198	HK$135,516
101	HK$123,198	HK$135,516
102	HK$123,198	HK$135,516
103	HK$123,198	HK$135,516
104	HK$123,198	HK$135,516
105	HK$123,198	HK$135,516
106	HK$123,198	HK$135,516
107	HK$123,198	HK$135,516
108	HK$123,198	HK$135,516
109	HK$123,198	HK$135,516
110	HK$123,198	HK$135,516
111	HK$123,198	HK$135,516
112	HK$123,198	HK$135,516
113	HK$123,198	HK$135,516
114	HK$123,198	HK$135,516
115	HK$123,198	HK$135,516
116	HK$123,198	HK$135,516
117	HK$123,198	HK$135,516
118	HK$123,198	HK$135,516
119	HK$123,198	HK$135,516
120	HK$123,198	HK$135,516
121	HK$123,198	HK$135,516
122	HK$123,198	HK$135,516
123	HK$123,198	HK$135,516
124	HK$123,198	HK$135,516
125	HK$123,198	HK$135,516
126	HK$123,198	HK$135,516
127	HK$123,198	HK$135,516

Other deductible options in this series

4 deductibles — same benefit schedule, premium scales with deductible

HK$0

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HK$25K

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HK$50K

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HK$100K

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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: Dec 16, 2025
Last verified: 2026-04-20

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.