Chubb VHIS - Standard Plan

安達自願醫保（標準）計劃

Chubb Life Insurance Hong Kong Limited

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Your premium

HK$3,064 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

Per-illness annual limit

—

Lifetime benefit limit

—

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	$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 per Policy Year
(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	$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
(l) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year

Basic Benefits

(a) Room and board
(a) 病房及膳食
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 per Policy Year
(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
$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
(l) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year

Premium Schedule

Annual premium · Premium varies by gender (smoking-agnostic) · HKD

Age	Male	Female
0	HK$3,787	HK$2,895
1	HK$3,237	HK$2,608
2	HK$3,237	HK$2,608
3	HK$3,237	HK$2,608
4	HK$3,237	HK$2,608
5	HK$3,237	HK$2,608
6	HK$2,502	HK$2,185
7	HK$2,502	HK$2,185
8	HK$2,502	HK$2,185
9	HK$2,502	HK$2,185
10	HK$2,502	HK$2,185
11	HK$2,502	HK$2,185
12	HK$2,502	HK$2,185
13	HK$2,502	HK$2,185
14	HK$2,502	HK$2,185
15	HK$2,502	HK$2,185
16	HK$2,401	HK$2,293
17	HK$2,459	HK$2,386
18	HK$2,509	HK$2,488
19	HK$2,540	HK$2,572
20	HK$2,579	HK$2,683
21	HK$2,608	HK$2,776
22	HK$2,649	HK$2,897
23	HK$2,679	HK$3,009
24	HK$2,728	HK$3,128
25	HK$2,777	HK$3,240
26	HK$2,847	HK$3,370
27	HK$2,886	HK$3,482
28	HK$2,926	HK$3,610
29	HK$3,006	HK$3,741
30	HK$3,064	HK$3,871
31	HK$3,134	HK$3,961
32	HK$3,194	HK$4,049
33	HK$3,262	HK$4,185
34	HK$3,363	HK$4,314
35	HK$3,408	HK$4,421
36	HK$3,452	HK$4,559
37	HK$3,498	HK$4,677
38	HK$3,544	HK$4,735
39	HK$3,589	HK$4,793
40	HK$3,634	HK$4,850
41	HK$3,792	HK$5,013
42	HK$3,958	HK$5,166
43	HK$4,150	HK$5,337
44	HK$4,350	HK$5,482
45	HK$4,560	HK$5,662
46	HK$4,788	HK$5,834
47	HK$5,006	HK$6,013
48	HK$5,258	HK$6,193
49	HK$5,504	HK$6,356
50	HK$5,782	HK$6,509
51	HK$6,061	HK$6,688
52	HK$6,368	HK$6,860
53	HK$6,683	HK$7,039
54	HK$6,961	HK$7,260
55	HK$7,275	HK$7,508
56	HK$7,581	HK$7,758
57	HK$7,903	HK$8,013
58	HK$8,253	HK$8,279
59	HK$8,524	HK$8,527
60	HK$8,811	HK$8,781
61	HK$9,206	HK$8,856
62	HK$9,498	HK$9,124
63	HK$9,824	HK$9,409
64	HK$10,206	HK$9,693
65	HK$10,585	HK$9,961
66	HK$10,981	HK$10,271
67	HK$11,387	HK$10,588
68	HK$11,818	HK$10,914
69	HK$12,356	HK$11,509
70	HK$12,930	HK$12,136
71	HK$13,504	HK$13,033
72	HK$14,129	HK$13,525
73	HK$14,773	HK$14,245
74	HK$15,321	HK$14,864
75	HK$15,895	HK$15,517
76	HK$16,503	HK$16,186
77	HK$17,103	HK$16,871
78	HK$17,738	HK$17,599
79	HK$18,337	HK$18,286
80	HK$18,920	HK$18,954
81	HK$19,520	HK$19,616
82	HK$20,111	HK$20,294
83	HK$20,693	HK$20,963
84	HK$21,258	HK$21,599
85	HK$21,840	HK$22,244
86	HK$22,431	HK$22,921
87	HK$23,040	HK$23,599
88	HK$23,674	HK$24,309
89	HK$24,222	HK$24,945
90	HK$24,813	HK$25,598
91	HK$25,387	HK$26,276
92	HK$26,013	HK$26,953
93	HK$26,630	HK$27,674
94	HK$27,194	HK$28,309
95	HK$27,778	HK$28,962
96	HK$28,368	HK$29,624
97	HK$28,976	HK$30,317
98	HK$29,594	HK$31,012
99	HK$30,203	HK$31,722
100	HK$30,811	HK$32,435

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Apr 1, 2025
Last verified: 2026-04-17

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.