Chubb VHIS Series - Flexi Plan (SMM) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00055-01-000-02. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,498 |
| 45 | HK$6,644 |
| 60 | HK$12,345 |
| 75 | HK$25,661 |
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$570,000 |
| Lifetime limit | None |
| Room and board | HK$1,200 |
| Hospital charges | HK$14,000 |
| Doctor's visits | HK$1,200 |
| Specialist fees | HK$4,300 |
| Intensive care | HK$3,500 |
| Surgeon's fee | HK$70,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$80,000 |
| Outpatient before and after | HK$15,000 |
| Psychiatric treatment | HK$30,000 |
Also includes home nursing, 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.12 |
|---|---|
| Pre-existing conditions unknown at application | 100% from year 1 p.21 |
| Waiting period | none |
| Cancellation and refund | Full refund within 30-day cooling-off period if no benefit payment made p.4 |
| Switching from another plan | Policy Holder may switch to another plan with upgrade/downgrade of benefits, subject to re-underwriting for upgrades or Company discretion for downgrades p.13 |
| Room class | not restricted p.17 |
| If a higher room is used | No benefit payable under supplementary major medical benefit for higher ward class unless involuntary upgrade (Isolation, room shortage in emergency, or other non-personal preference reasons) p.2 |
| Geographical cover | worldwide (except for psychiatric treatment) p.17 |
| Psychiatric treatment area | Hong Kong only p.20 |
| Emergency treatment abroad | covered under worldwide territory p.17 |
| Full cover on core benefits | no p.38 |
| Annual limit | 570000 p.38 |
| Lifetime limit | none p.38 |
| How the deductible applies | per Policy Year p.25 |
| Coinsurance | none |
| Pre-admission outpatient | 2 visits per Confinement/Day Case Procedure, $1,000 per visit, up to $15,000 per Policy Year p.38 |
| Post-discharge outpatient | 10 visits within 90 days after discharge/Day Case Procedure, $1,000 per visit, up to $15,000 per Policy Year p.38 |
| General outpatient | none |
| Psychiatric treatment | 30000 HKD per Policy Year p.38 |
| Diagnostic imaging coinsurance | 30% p.38 |
| Non-surgical cancer treatment | 80000 HKD per Policy Year p.38 |
| Kidney dialysis | 30000 HKD per Policy Year p.38 |
| Day case procedures | covered as in-patient, subject to benefit limits p.18 |
| Home nursing | 700 HKD per day, maximum 15 days per Policy Year p.38 |
| Hospice care | none p.26 |
| Chinese medicine | none p.23 |
| Physiotherapy | Covered during Confinement and as post-discharge outpatient care (up to 10 visits within 90 days, $1,000 per visit, up to $15,000 per Policy Year) p.18 |
| Congenital conditions | Covered from age 8 p.23 |
| Pregnancy complications | none p.23 |
| Emergency dental | Emergency Treatment and surgery during Confinement arising from an Accident p.23 |
| Hospital cash | none |
| Companion bed | none |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | dependence/overdose of drugs/alcohol, venereal/STD; Hair Mineral Analysis (HMA), health supplements; purchase of durable medical equipment or appliances; traditional Chinese medicine treatment and other alternative treatments; expenses reimbursed under any other law, medical program or insurance policy p.22 |
At a constant age of 45, Chubb has filed 2 schedule changes on this plan since 2021, an average of +1.2% a year, taking the premium from HK$6,209 to HK$6,644.
| Year | Change |
|---|---|
| 2022 | +7.0% |
| 2023 | no change |
| 2024 | no change |
| 2025 | no change |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Flexi Plan SMM | None | HKD 570,000 | |
| Flexi Plan SMM | None | HKD 570,000 |
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.