Chubb VHIS Series - Flexi Plan (Superior) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00056-07-000-02. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,546 |
| 45 | HK$7,259 |
| 60 | HK$14,504 |
| 75 | HK$29,724 |
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 within 30-day cooling-off period. After cooling-off, cancellation with 30 days' written notice if no benefit payment in current Policy Year. p.4 |
| Switching from another plan | Can convert to VHIS Standard Plan at renewal without re-underwriting if residence is Australia or New Zealand, retaining existing exclusions/loadings and counting previous policy period for waiting periods. p.1 |
| Room class | Standard Ward (more than double occupancy) 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.3 |
| 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). 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 | 5,000,000 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 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 | full cover p.41 |
| Day case procedures | Covered as in-patient, 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 medically necessary confinement, no dollar limit 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. 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 | Disability from drug/alcohol dependence, venereal/STD; Prophylactic treatment/preventive care (e.g. HMA, immunisation, health supplements); Purchase of durable medical equipment. 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$7,259 to HK$7,259.
| 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 - HKD15,000 Deductible | Ward | HK$15,000 | HKD 5,000,000 |
| Standard Ward - HKD15,000 Deductible | Ward | HK$15,000 | 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.