Chubb VHIS - Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00027-04-000-03. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$16,209 |
| 45 | HK$27,118 |
| 60 | HK$42,047 |
| 75 | HK$79,121 |
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 | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$1,000,000 |
| Lifetime limit | None |
| Room and board | HK$4,000 |
| Hospital charges | HK$35,000 |
| Doctor's visits | HK$4,000 |
| Specialist fees | HK$25,000 |
| Intensive care | HK$10,000 |
| Surgeon's fee | HK$100,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$60,000 |
| Non-surgical cancer treatment | HK$160,000 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$90,000 |
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 p.26 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment has been made p.5 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting for new benefits) or downgrade/reduction of benefits (Company discretion) p.16 |
| Room class | not restricted p.21 |
| If a higher room is used | Room Adjustment Factor applied (50% or 25% depending on entitlement and room used) p.59 |
| Geographical cover | worldwide excluding psychiatric treatment p.21 |
| Psychiatric treatment area | Hong Kong only p.25 |
| Emergency treatment abroad | Covered worldwide p.21 |
| Full cover on core benefits | no p.38 |
| Annual limit | 1,000,000 HKD p.38 |
| Lifetime limit | none p.38 |
| How the deductible applies | per Policy Year p.31 |
| Coinsurance | none (20% for Prescribed Diagnostic Imaging Tests and top-up benefits) p.38 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to 2,000 HKD per visit and 10,000 HKD per Policy Year p.38 |
| Post-discharge outpatient | 3 visits per Confinement/Day Case Procedure within 90 days, up to 2,000 HKD per visit and 10,000 HKD per Policy Year p.38 |
| General outpatient | General health check-up up to 750 HKD per Policy Year p.38 |
| Psychiatric treatment | 90,000 HKD per Policy Year p.38 |
| Diagnostic imaging coinsurance | 20% p.38 |
| Non-surgical cancer treatment | 160,000 HKD per Policy Year p.38 |
| Kidney dialysis | 100,000 HKD per Policy Year for outpatient kidney dialysis p.38 |
| Day case procedures | Covered as part of standard benefits with per-item limits p.21 |
| Home nursing | 2,000 HKD per visit, 1 visit per day, up to 30 visits per Policy Year within 90 days from discharge p.38 |
| Hospice care | 80,000 HKD per Policy Year p.38 |
| Chinese medicine | none p.29 |
| Physiotherapy | Covered during Confinement under Miscellaneous charges, and as post-discharge outpatient care under Pre- and post-Confinement/Day Case Procedure outpatient care p.22 |
| Congenital conditions | Covered from age 8 if not manifested or diagnosed before age 8 p.29 |
| Pregnancy complications | none p.28 |
| Emergency dental | Covered for injury from accident within 31 days, up to 30,000 HKD per Policy Year p.38 |
| Hospital cash | none |
| Companion bed | 1,000 HKD per day, maximum 180 days per Policy Year p.38 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Claimable amount estimate available prior to medical service p.19 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); Sex reassignment or sexual dysfunction; Purchase of durable medical equipment; 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$17,795 to HK$27,118.
| 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.