Chubb VHIS Series - Flexi Plan (Superior) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00056-02-000-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$5,683 |
| 45 | HK$9,074 |
| 60 | HK$18,130 |
| 75 | HK$37,155 |
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 within 30-day cooling-off period. After cooling-off, cancellation with 30 days' notice if no benefit payment in policy year. Pro-rata refund for current policy year upon death of Insured Person or company ceasing authorization. p.4 |
| Switching from another plan | Can switch to Standard Plan without re-underwriting if residence is Australia or New Zealand. Can switch to upgrade plan with re-underwriting for new benefits. Can switch to downgrade plan 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, unless involuntary upgrade due to isolation, room shortage in emergency, or other non-personal preference reasons. p.41 |
| 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, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan, Vietnam). Outside Asia, covered up to Standard Plan limits. p.1 |
| Psychiatric treatment area | Hong Kong only p.20 |
| Emergency treatment abroad | Covered up to Standard Plan limits outside Asia p.1 |
| Full cover on core benefits | yes p.41 |
| Annual limit | 30000000 p.41 |
| Lifetime limit | none p.41 |
| Deductible options | 15000 p.41 |
| How the deductible applies | Per Policy Year, with one-off right to reduce or remove at ages 60, 65, 70, 75, 80, or 85. p.41 |
| Coinsurance | none (30% applies if Standard Plan limits are invoked for Prescribed Diagnostic Imaging Tests) p.43 |
| Pre-admission outpatient | No dollar limit, 1 visit more than 30 days before admission, all visits within 30 days before admission. p.41 |
| Post-discharge outpatient | No dollar limit, all visits within 90 days after discharge. p.41 |
| General outpatient | none |
| Psychiatric treatment | No dollar limit p.41 |
| Diagnostic imaging coinsurance | none (30% applies if Standard Plan limits are invoked) p.41 |
| Non-surgical cancer treatment | full cover p.41 |
| Kidney dialysis | full cover p.41 |
| Day case procedures | Covered as in-patient, no dollar limit for room and board, miscellaneous charges, surgeon's fee, anaesthetist's fee, operating theatre charges, prescribed diagnostic imaging tests, prescribed non-surgical cancer treatments, pre- and post-procedure outpatient care. p.41 |
| 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 under miscellaneous charges; covered for follow-up outpatient visits within 90 days post-discharge; excluded if confinement solely for physiotherapy unless medically necessary and cannot be performed as day patient. p.18 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.24 |
| Pregnancy complications | none p.24 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident. Follow-up after discharge excluded. 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 | standard VHIS exclusions only p.23 |
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$8,480 to HK$9,074.
| 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 |
|---|---|---|---|
| Semi-Private Room - HKD15,000 Deductible | Semi-private | HK$15,000 | HKD 30,000,000 |
| Semi-Private Room - HKD15,000 Deductible | Semi-private | HK$15,000 | 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.