Chubb VHIS - Flexi Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00027-08-001-03. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$2,662 |
| 45 | HK$4,421 |
| 60 | HK$7,601 |
| 75 | HK$13,071 |
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 | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$128,205 |
| Lifetime limit | None |
| Room and board | As stated in the schedule |
| Hospital charges | HK$513 |
| Doctor's visits | As stated in the schedule |
| Specialist fees | HK$1,282 |
| 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$7,692 |
| Non-surgical cancer treatment | HK$20,513 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$11,538 |
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 | First Policy Year no coverage, Second Policy Year 25% reimbursement, Third Policy Year 50% reimbursement, Fourth Policy Year onwards full coverage p.26 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit paid; after cooling-off, cancellation with 30 days notice if no benefit paid in policy year p.5 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, discretion to accept/reject) p.16 |
| Room class | Private p.38 |
| If a higher room is used | 50% Room Adjustment Factor if a higher ward class than entitled is used 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 | USD128,205 p.39 |
| Lifetime limit | none p.21 |
| 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 USD256 per visit and USD1,282 per Policy Year p.38 |
| Post-discharge outpatient | 3 follow-up visits per Confinement/Day Case Procedure within 90 days after discharge, up to USD256 per visit and USD1,282 per Policy Year p.38 |
| General outpatient | General health check-up, USD96 per Policy Year p.39 |
| Psychiatric treatment | USD11,538 per Policy Year p.38 |
| Diagnostic imaging coinsurance | 20% p.38 |
| Non-surgical cancer treatment | USD20,513 per Policy Year p.38 |
| Kidney dialysis | USD12,821 per Policy Year p.38 |
| Day case procedures | Covered as in-patient, subject to benefit limits for relevant services p.21 |
| Home nursing | 1 visit per day, 30 visits per Policy Year, within 90 days from discharge of hospital p.39 |
| Hospice care | USD10,256 per Policy Year p.38 |
| Chinese medicine | none p.29 |
| Physiotherapy | Covered during Confinement and as part of post-discharge outpatient care, subject to respective benefit limits p.22 |
| Congenital conditions | Covered from age 8 p.29 |
| Pregnancy complications | none p.29 |
| Emergency dental | Covered for injury from Accident, including consultation, x-ray, extraction, root canal work within 31 days of Accident p.25 |
| Hospital cash | none |
| Companion bed | USD128 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 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$2,901 to HK$4,421.
| 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.