Chubb VHIS - Superb Plan - HKD25,000 Deductible

安達自願醫保（摯裕）計劃 - 25,000 港元自付費

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$3,530 /yr

age

Ward class

Ward

Coverage region

Greater China

Deductible

HK$25,000

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$4,853	HK$4,853
1	HK$4,853	HK$4,853
2	HK$4,853	HK$4,853
3	HK$4,853	HK$4,853
4	HK$4,853	HK$4,853
5	HK$3,996	HK$3,996
6	HK$3,996	HK$3,996
7	HK$3,996	HK$3,996
8	HK$3,996	HK$3,996
9	HK$3,996	HK$3,996
10	HK$3,087	HK$3,087
11	HK$2,999	HK$2,999
12	HK$2,910	HK$2,910
13	HK$2,822	HK$2,822
14	HK$2,734	HK$2,734
15	HK$2,645	HK$2,645
16	HK$2,660	HK$2,660
17	HK$2,675	HK$2,675
18	HK$2,689	HK$2,862
19	HK$2,704	HK$2,975
20	HK$2,719	HK$2,992
21	HK$2,822	HK$3,105
22	HK$2,925	HK$3,218
23	HK$3,028	HK$3,330
24	HK$3,132	HK$3,442
25	HK$3,235	HK$3,556
26	HK$3,294	HK$3,623
27	HK$3,353	HK$3,688
28	HK$3,412	HK$3,751
29	HK$3,471	HK$3,819
30	HK$3,530	HK$3,884
31	HK$3,636	HK$4,001
32	HK$3,743	HK$4,118
33	HK$3,849	HK$4,234
34	HK$3,956	HK$4,353
35	HK$4,062	HK$4,466
36	HK$4,180	HK$4,600
37	HK$4,298	HK$4,729
38	HK$4,415	HK$4,855
39	HK$4,533	HK$4,985
40	HK$4,651	HK$5,115
41	HK$4,845	HK$5,329
42	HK$5,040	HK$5,545
43	HK$5,235	HK$5,759
44	HK$5,430	HK$5,972
45	HK$5,625	HK$6,188
46	HK$5,955	HK$6,551
47	HK$6,286	HK$6,915
48	HK$6,616	HK$7,277
49	HK$6,946	HK$7,640
50	HK$7,277	HK$8,004
51	HK$7,673	HK$8,438
52	HK$8,069	HK$8,875
53	HK$8,465	HK$9,311
54	HK$8,861	HK$9,747
55	HK$9,257	HK$10,183
56	HK$9,901	HK$10,889
57	HK$10,545	HK$11,597
58	HK$11,190	HK$12,307
59	HK$11,834	HK$13,016
60	HK$12,478	HK$13,727
61	HK$13,321	HK$14,654
62	HK$14,165	HK$15,583
63	HK$15,008	HK$16,510
64	HK$15,852	HK$17,436
65	HK$16,695	HK$18,364
66	HK$17,842	HK$19,626
67	HK$18,989	HK$20,889
68	HK$20,137	HK$22,148
69	HK$21,284	HK$23,413
70	HK$22,431	HK$24,676
71	HK$23,662	HK$26,028
72	HK$24,892	HK$27,381
73	HK$26,123	HK$28,737
74	HK$27,353	HK$30,091
75	HK$28,584	HK$31,441
76	HK$29,972	HK$32,970
77	HK$31,360	HK$34,498
78	HK$32,749	HK$36,024
79	HK$34,137	HK$37,552
80	HK$35,525	HK$39,078
81	HK$36,920	HK$40,611
82	HK$38,316	HK$42,149
83	HK$39,711	HK$43,682
84	HK$41,107	HK$45,217
85	HK$42,502	HK$46,750
86	HK$43,897	HK$48,286
87	HK$45,293	HK$49,824
88	HK$46,688	HK$51,357
89	HK$48,084	HK$52,891
90	HK$49,479	HK$54,426
91	HK$50,506	HK$55,554
92	HK$51,532	HK$56,686
93	HK$52,559	HK$57,815
94	HK$53,586	HK$58,946
95	HK$54,612	HK$60,073
96	HK$55,639	HK$61,206
97	HK$56,666	HK$62,333
98	HK$57,692	HK$63,462
99	HK$58,719	HK$64,591
100	HK$58,719	HK$64,591
101	HK$58,719	HK$64,591
102	HK$58,719	HK$64,591
103	HK$58,719	HK$64,591
104	HK$58,719	HK$64,591
105	HK$58,719	HK$64,591
106	HK$58,719	HK$64,591
107	HK$58,719	HK$64,591
108	HK$58,719	HK$64,591
109	HK$58,719	HK$64,591
110	HK$58,719	HK$64,591
111	HK$58,719	HK$64,591
112	HK$58,719	HK$64,591
113	HK$58,719	HK$64,591
114	HK$58,719	HK$64,591
115	HK$58,719	HK$64,591
116	HK$58,719	HK$64,591
117	HK$58,719	HK$64,591
118	HK$58,719	HK$64,591
119	HK$58,719	HK$64,591
120	HK$58,719	HK$64,591
121	HK$58,719	HK$64,591
122	HK$58,719	HK$64,591
123	HK$58,719	HK$64,591
124	HK$58,719	HK$64,591
125	HK$58,719	HK$64,591
126	HK$58,719	HK$64,591
127	HK$58,719	HK$64,591

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.