Chubb VHIS - Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00027-07-001-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$1,456 |
| 45 | HK$2,401 |
| 60 | HK$4,368 |
| 75 | HK$7,655 |
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 | As stated in the schedule |
| Hospital charges | HK$321 |
| Doctor's visits | As stated in the schedule |
| Specialist fees | HK$962 |
| 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$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 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. After cooling-off, no refund if benefits paid; if no benefits paid, not specified. p.5 |
| Switching from another plan | Switching to another plan for upgrade may involve re-underwriting; for downgrade, company discretion applies. p.16 |
| Room class | semi-private p.38 |
| If a higher room is used | Benefits reduced by 50% for Classic/Ward, 75% for Private or above p.61 |
| Geographical cover | worldwide excluding psychiatric treatment 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 | 102564 USD p.39 |
| Lifetime limit | none p.39 |
| How the deductible applies | per Policy Year p.31 |
| Coinsurance | 20% for Prescribed Diagnostic Imaging Tests and optional Top-up benefits p.38 |
| Pre-admission outpatient | 1 visit prior to Confinement/Day Case Procedure p.39 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/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.38 |
| Non-surgical cancer treatment | 14103 USD per Policy Year p.38 |
| Kidney dialysis | 7692 USD per Policy Year p.39 |
| Day case procedures | Covered as in-patient for various benefits, subject to individual benefit limits p.31 |
| 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.29 |
| Physiotherapy | Covered during Confinement under Miscellaneous charges; covered under post-Confinement outpatient care p.23 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.29 |
| Pregnancy complications | none p.29 |
| Emergency dental | Covered for injury from accident, within 31 days of accident, up to 2821 USD per Policy Year p.26 |
| Hospital cash | none |
| Companion bed | 77 USD per day, maximum 180 days per Policy Year p.39 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | STDs; HMA/health supplements; TCM/alternative treatments; Durable medical equipment purchase p.27 |
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$1,576 to HK$2,401.
| 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.