Chubb VHIS - Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00027-03-000-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$8,933 |
| 45 | HK$14,425 |
| 60 | HK$23,512 |
| 75 | HK$47,916 |
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 | Semi-private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$800,000 |
| Lifetime limit | None |
| Room and board | HK$2,500 |
| Hospital charges | HK$26,000 |
| Doctor's visits | HK$2,500 |
| Specialist fees | HK$12,000 |
| Intensive care | HK$7,500 |
| Surgeon's fee | HK$75,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$45,000 |
| Non-surgical cancer treatment | HK$110,000 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$60,000 |
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 p.5 |
| Switching from another plan | Switching to another plan with upgraded benefits is possible, subject to re-underwriting for the upgraded benefits p.16 |
| Room class | semi-private p.38 |
| If a higher room is used | If semi-private entitled: 50% if Classic/Ward, 25% if Private or above p.60 |
| Geographical cover | worldwide p.20 |
| Psychiatric treatment area | Hong Kong only p.25 |
| Emergency treatment abroad | Covered worldwide, subject to annual limit p.20 |
| Full cover on core benefits | no p.38 |
| Annual limit | 800000 p.39 |
| Lifetime limit | none p.39 |
| Deductible options | none |
| Coinsurance | 20% for Prescribed Diagnostic Imaging Tests p.38 |
| Pre-admission outpatient | 1 visit prior to confinement/day case procedure, $1,200 per visit, up to $6,500 per Policy Year p.38 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/day case procedure, $1,200 per visit, up to $6,500 per Policy Year p.38 |
| General outpatient | Check-up benefit: $400 per Policy Year p.39 |
| Psychiatric treatment | 60000 p.38 |
| Diagnostic imaging coinsurance | 20% p.38 |
| Non-surgical cancer treatment | 110000 p.38 |
| Kidney dialysis | Covered, $60,000 per Policy Year p.38 |
| Day case procedures | Covered as in-patient, individual benefit limits apply p.21 |
| Home nursing | $1,200 per visit, 1 visit per day, max 30 visits per Policy Year within 90 days from discharge p.39 |
| Hospice care | Covered, $50,000 per Policy Year p.39 |
| Chinese medicine | none p.29 |
| Physiotherapy | Covered during confinement as miscellaneous charges, and as part of post-discharge outpatient care p.23 |
| Congenital conditions | Covered from age 8 p.29 |
| Pregnancy complications | none p.28 |
| Emergency dental | Covered for injury from accident, within 31 days of accident, as part of Emergency outpatient treatment benefit p.25 |
| Hospital cash | none |
| Companion bed | $600 per day, max 180 days per Policy Year for one family member p.39 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Pre-authorisation available; network of approved hospitals in Mainland China for direct billing p.19 |
| 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$9,466 to HK$14,425.
| 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.