Chubb VHIS Series - Flexi Plan (Superior) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00056-06-000-02. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$8,480 |
| 45 | HK$13,541 |
| 60 | HK$27,054 |
| 75 | HK$55,444 |
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$5,000,000 |
| 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 after delivery of policy or cooling-off notice. p.4 |
| Switching from another plan | Can convert to VHIS Standard Plan at renewal without re-underwriting if Place of Residence is Australia or New Zealand. p.1 |
| Room class | Standard Ward p.41 |
| If a higher room is used | If involuntary, full cover. Otherwise, covered up to Standard Plan benefit limits, reduced by any remaining deductible. 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) p.1 |
| Psychiatric treatment area | Hong Kong only p.20 |
| Emergency treatment abroad | Covered up to Standard Plan benefit limits if outside Asia, reduced by any remaining deductible. p.1 |
| Full cover on core benefits | yes p.41 |
| Annual limit | 5000000 p.41 |
| Lifetime limit | none p.41 |
| Deductible options | 0 p.41 |
| How the deductible applies | Per Policy Year, with a one-off right to reduce or remove at ages 60, 65, 70, 75, 80, or 85. p.32 |
| Coinsurance | none p.41 |
| 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 follow-up visits within 90 days after discharge. 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 for various items with no dollar limit. p.41 |
| Home nursing | HKD 800 per day, maximum 90 days per Policy Year p.41 |
| Hospice care | none p.27 |
| Chinese medicine | none p.24 |
| Physiotherapy | Covered during confinement as miscellaneous charges, and as part of post-discharge outpatient care within 90 days. p.18 |
| Congenital conditions | Covered if manifested or diagnosed after 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 | none |
| Direct billing and pre-authorisation | none |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); traditional Chinese medicine and alternative treatments (e.g. hypnotism, qigong, massage therapy, aromatherapy, naturopathy, homeotherapy). p.24 |
At a constant age of 45, Chubb has filed 1 schedule change on this plan since 2021, an average of +0.0% a year, taking the premium from HK$13,541 to HK$13,541.
| Year | Change |
|---|---|
| 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 |
|---|---|---|---|
| Standard Ward - HKD0 Deductible | Ward | None | HKD 5,000,000 |
| Standard Ward - HKD0 Deductible | Ward | None | HKD 5,000,000 |
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.