Chubb VHIS Series - Flexi Plan (Superior) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00056-04-000-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,217 |
| 45 | HK$6,730 |
| 60 | HK$13,450 |
| 75 | HK$27,564 |
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; no refund after cooling-off period 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 at company's discretion without re-underwriting p.1 |
| Room class | Semi-Private p.41 |
| If a higher room is used | Benefits payable up to Standard Plan limits, reduced by remaining deductible, unless involuntary upgrade p.2 |
| Geographical cover | Asia (as defined in the policy document) p.1 |
| Psychiatric treatment area | Hong Kong only p.20 |
| Emergency treatment abroad | Covered up to Standard Plan limits, reduced by remaining 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.17 |
| Deductible options | 50000 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.32 |
| Coinsurance | none |
| Pre-admission outpatient | No dollar limit; 1 visit >30 days before, all visits within 30 days before admission/day case procedure p.41 |
| Post-discharge outpatient | No dollar limit; all follow-up visits within 90 days after discharge/day case procedure p.41 |
| General outpatient | none |
| Psychiatric treatment | No dollar limit p.41 |
| Diagnostic imaging coinsurance | none p.41 |
| Non-surgical cancer treatment | No dollar limit p.41 |
| Kidney dialysis | No dollar limit p.41 |
| Day case procedures | Covered as in-patient, no dollar limit 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 and as post-discharge outpatient care (within 90 days after discharge/day case procedure), no dollar limit p.18 |
| Congenital conditions | Covered from age 8 p.24 |
| Pregnancy complications | none p.24 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident 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.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$6,290 to HK$6,730.
| 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 - HKD50,000 Deductible | Semi-private | HK$50,000 | HKD 30,000,000 |
| Semi-Private Room - HKD50,000 Deductible | Semi-private | HK$50,000 | 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.