Chubb VHIS Series - Flexi Plan (Superior) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00056-01-000-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$9,423 |
| 45 | HK$15,046 |
| 60 | HK$30,060 |
| 75 | HK$61,604 |
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$30,000,000 |
| Lifetime limit | None |
| Room and board | HK$750 |
| Hospital charges | HK$14,000 |
| Doctor's visits | HK$750 |
| Specialist fees | HK$4,300 |
| Intensive care | HK$3,500 |
| Surgeon's fee | HK$50,000 |
| 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$3,000 |
| Psychiatric treatment | HK$30,000 |
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 if cancelled within 30-day cooling-off period, provided no benefit payment has been made or is impending. p.4 |
| Switching from another plan | Can switch to Standard Plan without re-underwriting if residence is Australia/New Zealand. Can switch to another plan with upgrade/addition of benefits with re-underwriting limited to new benefits. Can switch to plan with downgrade/reduction of benefits without re-underwriting, but company has discretion to accept/reject. p.1 |
| Room class | Semi-Private p.41 |
| If a higher room is used | Benefits payable up to Standard Plan limits, reduced by deductible, unless involuntary upgrade due to isolation, room shortage in emergency, or other non-personal preference reasons. p.2 |
| Geographical cover | Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, and Vietnam) p.1 |
| Psychiatric treatment area | Hong Kong only p.20 |
| Emergency treatment abroad | Covered up to Standard Plan limits, reduced by deductible, if incurred outside Asia. p.1 |
| Full cover on core benefits | yes p.41 |
| Annual limit | 30,000,000 p.41 |
| Lifetime limit | none p.41 |
| Deductible options | 0 p.41 |
| How the deductible applies | Per Policy Year, with one-off right to reduce or remove deductible at ages 60, 65, 70, 75, 80, or 85. p.41 |
| Coinsurance | none p.41 |
| Pre-admission outpatient | 1 visit more than 30 days before, all visits within 30 days before admission/day case procedure. No dollar limit. p.41 |
| Post-discharge outpatient | All follow-up visits within 90 days after discharge/day case procedure. No dollar limit. p.41 |
| General outpatient | none |
| Psychiatric treatment | No dollar limit p.41 |
| Diagnostic imaging coinsurance | none p.41 |
| Non-surgical cancer treatment | full cover p.41 |
| Kidney dialysis | Outpatient kidney dialysis, no dollar limit p.41 |
| Day case procedures | Covered as in-patient, no dollar limit for related benefits p.17 |
| Home nursing | HKD 1,000 per day, maximum 90 days per Policy Year p.41 |
| Hospice care | none p.27 |
| Chinese medicine | none p.24 |
| Physiotherapy | Covered during confinement and for follow-up outpatient visits post-discharge/day case procedure. No dollar limit. p.18 |
| Congenital conditions | Covered if manifested or diagnosed at or after age 8 p.24 |
| Pregnancy complications | none p.24 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident. No follow-up cover. p.24 |
| 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 | Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); Birth control, sterilisation, sex reassignment, sexual dysfunction; Purchase of durable medical equipment or appliances p.23 |
At a constant age of 45, Chubb has filed 2 schedule changes on this plan since 2021, an average of +1.7% a year, taking the premium from HK$13,678 to HK$15,046.
| Year | Change |
|---|---|
| 2022 | +10.0% |
| 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 |
|---|---|---|---|
| Semi-Private Room - HKD0 Deductible | Semi-private | None | HKD 30,000,000 |
| Semi-Private Room - HKD0 Deductible | Semi-private | None | HKD 30,000,000 |
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.