Chubb VHIS - Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00027-01-001-03. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$7,329 |
| 45 | HK$11,499 |
| 60 | HK$18,514 |
| 75 | HK$33,694 |
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$850 |
| Doctor's visits | As stated in the schedule |
| Specialist fees | HK$3,500 |
| Intensive care | As stated in the schedule |
| Surgeon's fee | As stated in the schedule |
| 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 outpatient general, health check, home nursing, a companion bed, hospice care, kidney dialysis, a death benefit, top up.
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; after cooling-off, cancellation with 30 days notice if no benefit payment p.5 |
| Switching from another plan | Switching to another plan with upgrade/addition of benefits may involve re-underwriting; switching to downgrade/reduction of benefits is at company's discretion. p.16 |
| Room class | Classic / Ward (room with more than two patient beds) p.38 |
| If a higher room is used | If ward class is semi-private, 50% adjustment factor; if private or above, 25% adjustment factor p.61 |
| Geographical cover | worldwide 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 | HKD500,000 p.39 |
| Lifetime limit | none p.39 |
| Deductible options | none |
| How the deductible applies | not applicable |
| Coinsurance | none (specific coinsurance applies to Prescribed Diagnostic Imaging Tests and optional Top-up benefit) p.38 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to HKD700 per visit, up to HKD3,500 per Policy Year p.38 |
| Post-discharge outpatient | 3 visits per Confinement/Day Case Procedure within 90 days after discharge, up to HKD700 per visit, up to HKD3,500 per Policy Year p.38 |
| General outpatient | Check-up benefit up to HKD250 per Policy Year p.39 |
| Psychiatric treatment | HKD30,000 per Policy Year p.38 |
| Diagnostic imaging coinsurance | 30% p.38 |
| Non-surgical cancer treatment | HKD80,000 per Policy Year p.38 |
| Kidney dialysis | HKD10,000 per Policy Year p.38 |
| Day case procedures | Covered as in-patient for various benefits, subject to limits p.22 |
| Home nursing | HKD500 per visit, 1 visit per day, within 90 days from discharge, up to 30 visits per Policy Year p.38 |
| Hospice care | HKD15,000 per Policy Year p.38 |
| Chinese medicine | none (excluded) p.29 |
| Physiotherapy | Covered during confinement and for post-discharge outpatient care (3 visits within 90 days, up to HKD700 per visit, up to HKD3,500 per Policy Year) p.23 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.29 |
| Pregnancy complications | none (excluded) p.28 |
| Emergency dental | Covered for injury from accident within 31 days, up to HKD5,000 per Policy Year p.38 |
| Hospital cash | none |
| Companion bed | HKD400 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 | Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other alternative treatments p.27 |
At a constant age of 45, Chubb has filed 4 schedule changes on this plan since 2021, an average of +5.9% a year, taking the premium from HK$7,546 to HK$11,499.
| 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.