Chubb VHIS - Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00027-01-000-03. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,027 |
| 45 | HK$9,488 |
| 60 | HK$14,729 |
| 75 | HK$26,585 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$500,000 |
| Lifetime limit | None |
| Room and board | HK$850 |
| Hospital charges | HK$14,000 |
| Doctor's visits | HK$850 |
| Specialist fees | HK$4,300 |
| Intensive care | HK$3,500 |
| Surgeon's fee | HK$50,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$80,000 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$30,000 |
Also includes health check, home nursing, a companion bed, hospice care, kidney dialysis, a death benefit.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | 100 p.14 |
|---|---|
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.26 |
| Waiting period | none |
| Cancellation and refund | full refund within 21-day cooling-off period; no refund after cooling-off period if benefits paid; pro-rata refund for death or company ceasing authorization p.5 |
| Switching from another plan | possible to switch to another plan with downgrade or reduction of benefits without re-underwriting p.17 |
| Room class | classic / ward p.39 |
| If a higher room is used | 50% reduction for semi-private, 75% reduction for private or above p.59 |
| Geographical cover | worldwide excluding psychiatric treatment p.21 |
| Psychiatric treatment area | Hong Kong only p.25 |
| Emergency treatment abroad | covered worldwide, subject to annual limit p.21 |
| Full cover on core benefits | no p.38 |
| Annual limit | 500000 p.39 |
| Lifetime limit | none p.21 |
| Deductible options | none |
| How the deductible applies | per policy year p.31 |
| Coinsurance | none |
| Pre-admission outpatient | 1 visit per confinement/day case procedure, $700 per visit, up to $3,500 per policy year p.38 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/day case procedure, $700 per visit, up to $3,500 per policy year p.38 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.38 |
| Diagnostic imaging coinsurance | 30% p.38 |
| Non-surgical cancer treatment | 80000 p.38 |
| Kidney dialysis | covered, $10,000 per policy year p.38 |
| Day case procedures | covered as in-patient, no specific limit beyond benefit item limits p.22 |
| Home nursing | $500 per visit, 1 visit per day, up to 30 visits per policy year within 90 days from discharge p.39 |
| Hospice care | covered, $15,000 per policy year p.38 |
| Chinese medicine | none p.29 |
| Physiotherapy | covered during confinement and as part of post-discharge outpatient care, no separate limit p.22 |
| Congenital conditions | covered from age 8 p.29 |
| Pregnancy complications | none p.29 |
| Emergency dental | covered for accident only, $5,000 per policy year p.25 |
| Hospital cash | none |
| Companion bed | $400 per day, maximum 180 days per policy year p.38 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents; Venereal and sexually transmitted disease or its sequelae; Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other forms of alternative treatment p.28 |
At a constant age of 45, Chubb has filed 4 schedule changes on this plan since 2021, an average of +5.8% a year, taking the premium from HK$6,227 to HK$9,488.
| Year | Change |
|---|---|
| 2022 | +20.0% |
| 2023 | no change |
| 2024 | +8.0% |
| 2025 | +12.0% |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.