Chubb VHIS - Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00027-07-000-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$1,145 |
| 45 | HK$1,849 |
| 60 | HK$3,014 |
| 75 | HK$6,143 |
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$102,564 |
| Lifetime limit | None |
| Room and board | HK$321 |
| Hospital charges | HK$3,333 |
| Doctor's visits | HK$321 |
| Specialist fees | HK$1,538 |
| Intensive care | HK$962 |
| Surgeon's fee | HK$9,615 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$5,769 |
| Non-surgical cancer treatment | HK$14,103 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$7,692 |
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.15 |
|---|---|
| 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 within 21-day cooling-off period; no refund after cooling-off if benefit paid; pro-rata refund for specific terminations p.5 |
| Switching from another plan | Allowed to plans with upgrade/addition of benefits, subject to re-underwriting for new benefits p.17 |
| Room class | semi-private p.38 |
| If a higher room is used | If ward class during Confinement is Classic/Ward, 50% adjustment factor; if Private or above, 25% adjustment factor p.60 |
| Geographical cover | worldwide p.21 |
| Psychiatric treatment area | Hong Kong only p.21 |
| Emergency treatment abroad | covered worldwide p.21 |
| Full cover on core benefits | no p.38 |
| Annual limit | 102564 USD p.39 |
| Lifetime limit | none p.39 |
| Deductible options | none p.31 |
| Coinsurance | 20% for Prescribed Diagnostic Imaging Tests and top-up benefits p.39 |
| Pre-admission outpatient | 1 visit per Confinement/Day Case Procedure p.39 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/completion of Day Case Procedure p.39 |
| General outpatient | Check-up benefit: 51 USD per Policy Year p.39 |
| Psychiatric treatment | 7692 USD per Policy Year p.39 |
| Diagnostic imaging coinsurance | 20% p.39 |
| Non-surgical cancer treatment | 14103 USD per Policy Year p.39 |
| Kidney dialysis | 7692 USD per Policy Year for outpatient kidney dialysis p.39 |
| Day case procedures | covered as in-patient p.22 |
| Home nursing | 154 USD per visit, 1 visit per day, up to 30 visits per Policy Year within 90 days from discharge p.39 |
| Hospice care | 6410 USD per Policy Year p.39 |
| Chinese medicine | none p.28 |
| Physiotherapy | Covered under post-Confinement/Day Case Procedure outpatient care; excluded if solely for confinement p.25 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.29 |
| Pregnancy complications | none p.28 |
| Emergency dental | Covered for injury from Accident within 31 days of Accident p.25 |
| Hospital cash | none |
| Companion bed | 77 USD per day, maximum 180 days per Policy Year p.39 |
| Second medical opinion | none |
| Direct billing and pre-authorisation | Pre-authorisation for claimable amount estimate; network of approved hospitals in Mainland China 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 forms of alternative treatment (hypnotism, qigong, massage therapy, aromatherapy, naturopathy, homeotherapy) p.28 |
At a constant age of 45, Chubb has filed 4 schedule changes on this plan since 2021, an average of +5.8% a year, taking the premium from HK$1,214 to HK$1,849.
| 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.