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 Life Insurance Hong Kong Limited

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Your premium

HK$2,751 /yr

age

Ward class

Ward

Coverage region

Greater China

Deductible

HK$50,000

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$3,868	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

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.