Chubb VHIS - Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00027-06-000-03. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$920 |
| 45 | HK$1,460 |
| 60 | HK$2,278 |
| 75 | HK$4,129 |
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$76,923 |
| Lifetime limit | None |
| Room and board | HK$154 |
| Hospital charges | HK$2,308 |
| Doctor's visits | HK$154 |
| Specialist fees | HK$705 |
| Intensive care | HK$641 |
| Surgeon's fee | HK$7,692 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$3,846 |
| Non-surgical cancer treatment | HK$10,256 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$5,128 |
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. No refund after cooling-off period if benefits paid. p.5 |
| Switching from another plan | Switching to another plan with upgraded benefits is subject to re-underwriting for the upgraded benefits. Switching to a plan with downgraded benefits is at the company's discretion without re-underwriting. p.16 |
| Room class | ward p.38 |
| If a higher room is used | If ward class is semi-private, 50% Room Adjustment Factor applies. If ward class is private or above, 25% Room Adjustment Factor applies. p.59 |
| 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 | 76923 USD per Policy Year p.39 |
| Lifetime limit | none p.39 |
| Deductible options | none |
| Coinsurance | 20% for Prescribed Diagnostic Imaging Tests and top-up benefits p.38 |
| Pre-admission outpatient | 1 visit per confinement/day case procedure, 115 USD per visit, up to 577 USD per Policy Year p.38 |
| Post-discharge outpatient | 3 visits per confinement/day case procedure within 90 days, 115 USD per visit, up to 577 USD per Policy Year p.38 |
| General outpatient | none |
| Psychiatric treatment | 5128 USD per Policy Year p.38 |
| Diagnostic imaging coinsurance | 20% p.38 |
| Non-surgical cancer treatment | 10256 USD per Policy Year p.38 |
| Kidney dialysis | 3846 USD per Policy Year p.38 |
| Day case procedures | Covered as in-patient, subject to individual benefit limits p.22 |
| Home nursing | 103 USD per visit, 1 visit per day within 90 days from discharge, 30 visits per Policy Year p.38 |
| Hospice care | 3846 USD per Policy Year p.38 |
| Chinese medicine | none p.29 |
| Physiotherapy | Covered during confinement under miscellaneous charges; covered for follow-up outpatient visits post-discharge under pre- and post-confinement outpatient care p.22 |
| Congenital conditions | Covered from age 8, or subject to pre-existing unknown condition waiting period if unknown at application p.29 |
| Pregnancy complications | none p.28 |
| Emergency dental | Covered for injury from accident within 31 days, up to 1923 USD per Policy Year under emergency outpatient treatment benefit p.26 |
| 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 | 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$958 to HK$1,460.
| 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.