Chubb VHIS - Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00027-05-000-03. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$773 |
| 45 | HK$1,216 |
| 60 | HK$1,888 |
| 75 | HK$3,408 |
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$64,103 |
| Lifetime limit | None |
| Room and board | HK$109 |
| Hospital charges | HK$1,795 |
| Doctor's visits | HK$109 |
| Specialist fees | HK$551 |
| Intensive care | HK$449 |
| Surgeon's fee | HK$6,410 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$2,564 |
| Non-surgical cancer treatment | HK$10,256 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$3,846 |
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 if no benefit paid; after cooling-off, 30 days prior written notice required if no benefit paid in current Policy Year 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 | not restricted p.21 |
| If a higher room is used | Room Adjustment Factor applied: Classic/Ward entitlement: 50% for Semi-private, 25% for Private or above; Semi-private entitlement: 50% for Private, 25% for Above private; Private entitlement: 50% for Above private p.59 |
| Geographical cover | worldwide p.21 |
| Psychiatric treatment area | Hong Kong only p.25 |
| Emergency treatment abroad | Covered worldwide, Emergency outpatient treatment benefit (Accident only) up to USD 641 per Policy Year p.38 |
| Full cover on core benefits | no p.38 |
| Annual limit | USD 64,103 p.38 |
| Lifetime limit | none p.38 |
| Deductible options | none |
| How the deductible applies | per Policy Year p.31 |
| Coinsurance | none |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure, up to USD 449 per Policy Year p.38 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/procedure, up to USD 449 per Policy Year p.38 |
| General outpatient | Check-up benefit up to USD 32 per Policy Year p.38 |
| Psychiatric treatment | USD 3,846 per Policy Year p.38 |
| Diagnostic imaging coinsurance | 30% p.38 |
| Non-surgical cancer treatment | USD 10,256 per Policy Year p.38 |
| Kidney dialysis | Covered up to USD 1,282 per Policy Year p.38 |
| Day case procedures | Covered as in-patient for various benefits, no specific limit stated for the procedure itself p.21 |
| Home nursing | USD 64 per visit, 1 visit per day, within 90 days from discharge, 30 visits per Policy Year p.38 |
| Hospice care | USD 1,923 per Policy Year p.38 |
| Chinese medicine | none p.29 |
| Physiotherapy | Covered during Confinement and as part of post-discharge outpatient care (up to USD 449 per Policy Year) p.22 |
| Congenital conditions | Covered from age 8 p.29 |
| Pregnancy complications | none p.29 |
| Emergency dental | Covered for treatment of sound natural teeth due to Accident within 31 days, up to USD 641 per Policy Year p.25 |
| Hospital cash | none |
| Companion bed | USD 51 per day, maximum 180 days per Policy Year p.38 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Pre-authorisation for claimable amount estimate available p.19 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only 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$798 to HK$1,216.
| 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.