Chubb VHIS - Superb Plan - HKD100,000 Deductible

安達自願醫保（摯裕）計劃 - 100,000 港元自付費

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$2,163 /yr

age

Ward class

Ward

Coverage region

Greater China

Deductible

HK$100,000

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$3,037	HK$3,037
1	HK$3,037	HK$3,037
2	HK$3,037	HK$3,037
3	HK$3,037	HK$3,037
4	HK$3,037	HK$3,037
5	HK$2,647	HK$2,647
6	HK$2,647	HK$2,647
7	HK$2,647	HK$2,647
8	HK$2,647	HK$2,647
9	HK$2,647	HK$2,647
10	HK$2,321	HK$2,321
11	HK$2,196	HK$2,196
12	HK$2,071	HK$2,071
13	HK$1,946	HK$1,946
14	HK$1,821	HK$1,821
15	HK$1,696	HK$1,696
16	HK$1,725	HK$1,725
17	HK$1,755	HK$1,755
18	HK$1,784	HK$1,898
19	HK$1,814	HK$1,994
20	HK$1,843	HK$2,027
21	HK$1,883	HK$2,070
22	HK$1,922	HK$2,115
23	HK$1,961	HK$2,154
24	HK$2,000	HK$2,201
25	HK$2,039	HK$2,242
26	HK$2,064	HK$2,270
27	HK$2,089	HK$2,299
28	HK$2,114	HK$2,324
29	HK$2,139	HK$2,352
30	HK$2,163	HK$2,381
31	HK$2,212	HK$2,434
32	HK$2,260	HK$2,485
33	HK$2,308	HK$2,540
34	HK$2,357	HK$2,593
35	HK$2,405	HK$2,646
36	HK$2,475	HK$2,722
37	HK$2,545	HK$2,799
38	HK$2,616	HK$2,878
39	HK$2,686	HK$2,955
40	HK$2,756	HK$3,032
41	HK$2,868	HK$3,153
42	HK$2,980	HK$3,278
43	HK$3,091	HK$3,403
44	HK$3,203	HK$3,520
45	HK$3,315	HK$3,648
46	HK$3,479	HK$3,825
47	HK$3,643	HK$4,007
48	HK$3,807	HK$4,188
49	HK$3,971	HK$4,366
50	HK$4,135	HK$4,550
51	HK$4,396	HK$4,833
52	HK$4,657	HK$5,124
53	HK$4,917	HK$5,411
54	HK$5,178	HK$5,697
55	HK$5,439	HK$5,982
56	HK$5,863	HK$6,449
57	HK$6,288	HK$6,916
58	HK$6,712	HK$7,381
59	HK$7,137	HK$7,853
60	HK$7,561	HK$8,316
61	HK$8,118	HK$8,930
62	HK$8,675	HK$9,543
63	HK$9,233	HK$10,155
64	HK$9,790	HK$10,768
65	HK$10,347	HK$11,382
66	HK$10,915	HK$12,004
67	HK$11,482	HK$12,630
68	HK$12,050	HK$13,254
69	HK$12,617	HK$13,879
70	HK$13,185	HK$14,505
71	HK$13,808	HK$15,188
72	HK$14,431	HK$15,873
73	HK$15,055	HK$16,560
74	HK$15,678	HK$17,246
75	HK$16,301	HK$17,933
76	HK$17,077	HK$18,784
77	HK$17,853	HK$19,638
78	HK$18,630	HK$20,493
79	HK$19,406	HK$21,348
80	HK$20,182	HK$22,200
81	HK$21,064	HK$23,170
82	HK$21,946	HK$24,142
83	HK$22,828	HK$25,110
84	HK$23,710	HK$26,078
85	HK$24,592	HK$27,048
86	HK$25,473	HK$28,019
87	HK$26,355	HK$28,991
88	HK$27,237	HK$29,963
89	HK$28,119	HK$30,931
90	HK$29,001	HK$31,901
91	HK$29,957	HK$32,950
92	HK$30,912	HK$34,005
93	HK$31,868	HK$35,054
94	HK$32,824	HK$36,105
95	HK$33,779	HK$37,156
96	HK$34,735	HK$38,209
97	HK$35,691	HK$39,261
98	HK$36,646	HK$40,309
99	HK$37,602	HK$41,360
100	HK$37,602	HK$41,360
101	HK$37,602	HK$41,360
102	HK$37,602	HK$41,360
103	HK$37,602	HK$41,360
104	HK$37,602	HK$41,360
105	HK$37,602	HK$41,360
106	HK$37,602	HK$41,360
107	HK$37,602	HK$41,360
108	HK$37,602	HK$41,360
109	HK$37,602	HK$41,360
110	HK$37,602	HK$41,360
111	HK$37,602	HK$41,360
112	HK$37,602	HK$41,360
113	HK$37,602	HK$41,360
114	HK$37,602	HK$41,360
115	HK$37,602	HK$41,360
116	HK$37,602	HK$41,360
117	HK$37,602	HK$41,360
118	HK$37,602	HK$41,360
119	HK$37,602	HK$41,360
120	HK$37,602	HK$41,360
121	HK$37,602	HK$41,360
122	HK$37,602	HK$41,360
123	HK$37,602	HK$41,360
124	HK$37,602	HK$41,360
125	HK$37,602	HK$41,360
126	HK$37,602	HK$41,360
127	HK$37,602	HK$41,360

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

Current page

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.