Chubb VHIS Series - Flexi Plan (Superior) is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00056-08-000-02. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,034 |
| 45 | HK$6,440 |
| 60 | HK$12,865 |
| 75 | HK$26,363 |
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; no refund after if benefits paid; pro-rata refund if company terminates or policyholder dies p.4 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or convert to Standard Plan if residence is Australia/New Zealand without re-underwriting p.13 |
| Room class | Standard Ward p.41 |
| If a higher room is used | Benefits payable up to Standard Plan limits, reduced by any remaining deductible, unless involuntary upgrade p.2 |
| Geographical cover | Asia; claims 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 if outside Asia p.1 |
| Full cover on core benefits | yes p.41 |
| Annual limit | 5000000 p.41 |
| Lifetime limit | none p.41 |
| Deductible options | 25000 p.41 |
| How the deductible applies | Per Policy Year; one-off right to reduce or remove at ages 60, 65, 70, 75, 80, 85 p.41 |
| Coinsurance | none p.41 |
| Pre-admission outpatient | All prior outpatient visits or emergency consultations within 30 days before admission/Day Case Procedure; 1 visit more than 30 days before p.41 |
| Post-discharge outpatient | All follow-up outpatient visits within 90 days after discharge/Day Case Procedure completion 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 eligible expenses with no dollar limit for most items p.17 |
| 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 | No dollar limit during confinement and for follow-up outpatient visits within 90 days post-discharge/Day Case Procedure p.41 |
| 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 | none |
| Direct billing and pre-authorisation | none |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances for home use; traditional Chinese medicine treatment and other alternative treatments 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$6,440 to HK$6,440.
| 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 - HKD25,000 Deductible | Ward | HK$25,000 | HKD 5,000,000 |
| Standard Ward - HKD25,000 Deductible | Ward | HK$25,000 | 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.