Chubb VHIS Series - Flexi Plan (Superior) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00056-03-000-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$5,043 |
| 45 | HK$8,050 |
| 60 | HK$16,081 |
| 75 | HK$32,954 |
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. Pro-rata refund 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/New Zealand. Can switch to upgraded plan with re-underwriting for new benefits. Can switch to downgraded plan without re-underwriting, but subject to Company discretion. p.1 |
| Room class | Semi-Private p.41 |
| If a higher room is used | Covered up to Standard Plan limits, unless involuntary upgrade (Isolation, room shortage in emergency, or other non-personal preference reasons) in which case full benefits apply. p.42 |
| 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 outside Asia p.42 |
| Full cover on core benefits | yes p.41 |
| Annual limit | 30,000,000 p.41 |
| Lifetime limit | none p.17 |
| Deductible options | 25000 p.41 |
| How the deductible applies | Per Policy Year, with one-off option to reduce or remove at ages 60, 65, 70, 75, 80, or 85. p.41 |
| Coinsurance | none p.41 |
| Pre-admission outpatient | All prior outpatient visits or emergency consultations within 30 days before admission, or 1 visit more than 30 days before admission. No dollar limit. p.41 |
| Post-discharge outpatient | All follow-up outpatient visits within 90 days after discharge. 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 | full cover p.41 |
| Day case procedures | Covered as in-patient, no dollar limit for most items 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 as post-discharge outpatient care within 90 days, if medically necessary. p.18 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.24 |
| Pregnancy complications | none p.24 |
| Emergency dental | 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 | Pre-authorization for claimable amount estimate is available. p.16 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Dependence, overdose or influence of drugs, alcohol, narcotics; Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA) or health supplements; Traditional Chinese medicine treatment and other alternative treatments. p.24 |
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$7,523 to HK$8,050.
| 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 - HKD25,000 Deductible | Semi-private | HK$25,000 | HKD 30,000,000 |
| Semi-Private Room - HKD25,000 Deductible | Semi-private | HK$25,000 | 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.