Chubb VHIS - Standard Plan

安達自願醫保（標準）計劃

Chubb Life Insurance Company Ltd.

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Your premium

HK$2,534 /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$3,132	HK$2,394
1	HK$2,677	HK$2,157
2	HK$2,677	HK$2,157
3	HK$2,677	HK$2,157
4	HK$2,677	HK$2,157
5	HK$2,677	HK$2,157
6	HK$2,069	HK$1,807
7	HK$2,069	HK$1,807
8	HK$2,069	HK$1,807
9	HK$2,069	HK$1,807
10	HK$2,069	HK$1,807
11	HK$2,069	HK$1,807
12	HK$2,069	HK$1,807
13	HK$2,069	HK$1,807
14	HK$2,069	HK$1,807
15	HK$2,069	HK$1,807
16	HK$1,986	HK$1,897
17	HK$2,034	HK$1,974
18	HK$2,075	HK$2,058
19	HK$2,100	HK$2,127
20	HK$2,133	HK$2,219
21	HK$2,157	HK$2,296
22	HK$2,191	HK$2,396
23	HK$2,215	HK$2,488
24	HK$2,256	HK$2,587
25	HK$2,297	HK$2,679
26	HK$2,354	HK$2,787
27	HK$2,387	HK$2,879
28	HK$2,420	HK$2,986
29	HK$2,486	HK$3,094
30	HK$2,534	HK$3,201
31	HK$2,592	HK$3,275
32	HK$2,641	HK$3,349
33	HK$2,698	HK$3,461
34	HK$2,781	HK$3,567
35	HK$2,818	HK$3,656
36	HK$2,855	HK$3,770
37	HK$2,893	HK$3,867
38	HK$2,931	HK$3,915
39	HK$2,968	HK$3,963
40	HK$3,005	HK$4,011
41	HK$3,136	HK$4,145
42	HK$3,273	HK$4,272
43	HK$3,432	HK$4,413
44	HK$3,597	HK$4,533
45	HK$3,771	HK$4,682
46	HK$3,959	HK$4,824
47	HK$4,139	HK$4,972
48	HK$4,348	HK$5,121
49	HK$4,551	HK$5,255
50	HK$4,781	HK$5,382
51	HK$5,012	HK$5,530
52	HK$5,265	HK$5,672
53	HK$5,525	HK$5,820
54	HK$5,756	HK$6,003
55	HK$6,015	HK$6,208
56	HK$6,268	HK$6,414
57	HK$6,535	HK$6,625
58	HK$6,824	HK$6,845
59	HK$7,048	HK$7,050
60	HK$7,285	HK$7,261
61	HK$7,612	HK$7,323
62	HK$7,853	HK$7,544
63	HK$8,123	HK$7,779
64	HK$8,438	HK$8,014
65	HK$8,751	HK$8,236
66	HK$9,079	HK$8,492
67	HK$9,414	HK$8,754
68	HK$9,771	HK$9,024
69	HK$10,216	HK$9,515
70	HK$10,690	HK$10,034
71	HK$11,165	HK$10,775
72	HK$11,682	HK$11,182
73	HK$12,214	HK$11,777
74	HK$12,667	HK$12,289
75	HK$13,141	HK$12,829
76	HK$13,644	HK$13,382
77	HK$14,140	HK$13,949
78	HK$14,665	HK$14,550
79	HK$15,161	HK$15,118
80	HK$15,642	HK$15,671
81	HK$16,138	HK$16,218
82	HK$16,627	HK$16,778
83	HK$17,108	HK$17,331
84	HK$17,575	HK$17,857
85	HK$18,056	HK$18,390
86	HK$18,545	HK$18,950
87	HK$19,049	HK$19,511
88	HK$19,573	HK$20,098
89	HK$20,025	HK$20,624
90	HK$20,514	HK$21,163
91	HK$20,988	HK$21,724
92	HK$21,506	HK$22,284
93	HK$22,016	HK$22,879
94	HK$22,483	HK$23,404
95	HK$22,965	HK$23,944
96	HK$23,453	HK$24,491
97	HK$23,956	HK$25,064
98	HK$24,467	HK$25,639
99	HK$24,970	HK$26,226
100	HK$25,473	HK$26,815

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Oct 1, 2022
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.