Chubb VHIS - Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00027-05-001-03. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$940 |
| 45 | HK$1,474 |
| 60 | HK$2,374 |
| 75 | HK$4,320 |
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 | As stated in the schedule |
| Hospital charges | HK$109 |
| Doctor's visits | As stated in the schedule |
| Specialist fees | HK$449 |
| 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$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 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 if no claim; after cooling-off, 30 days written notice, no refund if claim made; pro-rata refund for death or company ceasing authorization p.5 |
| Switching from another plan | Switching to another plan with upgraded benefits may involve re-underwriting; switching to downgraded benefits does not involve re-underwriting but is subject to company discretion. p.16 |
| Room class | Classic / Ward p.38 |
| If a higher room is used | If Classic / Ward entitled: Semi-private 50% adjustment factor; Private or above 25% adjustment factor p.60 |
| Geographical cover | worldwide p.20 |
| Psychiatric treatment area | Hong Kong only p.25 |
| Emergency treatment abroad | covered worldwide p.20 |
| Full cover on core benefits | no p.38 |
| Annual limit | 64103 USD p.38 |
| Lifetime limit | none p.38 |
| How the deductible applies | per Policy Year p.31 |
| Coinsurance | none |
| Pre-admission outpatient | 1 visit prior to Confinement/Day Case Procedure p.38 |
| Post-discharge outpatient | 3 visits within 90 days after discharge from Hospital or completion of Day Case Procedure p.38 |
| General outpatient | Check-up benefit $32 per Policy Year p.38 |
| Psychiatric treatment | 3846 USD per Policy Year p.38 |
| Diagnostic imaging coinsurance | 30% p.38 |
| Non-surgical cancer treatment | 10256 USD per Policy Year p.38 |
| Kidney dialysis | 1282 USD per Policy Year p.38 |
| Day case procedures | covered as in-patient, subject to general benefit limits p.21 |
| Home nursing | 1 visit per day, within 90 days from discharge of hospital, 30 visits per Policy Year, $64 per visit p.38 |
| Hospice care | 1923 USD per Policy Year p.38 |
| Chinese medicine | none p.29 |
| Physiotherapy | covered during Confinement and for 3 follow-up outpatient visits within 90 days after discharge/Day Case Procedure p.22 |
| 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, in registered dental clinic p.25 |
| Hospital cash | none |
| Companion bed | 51 USD 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 | Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances; traditional Chinese medicine and other alternative treatments; venereal and sexually transmitted disease 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$967 to HK$1,474.
| 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.