Chubb VHIS - Prime Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00075-02-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$5,871 |
| 45 | HK$8,174 |
| 60 | HK$15,266 |
| 75 | HK$37,683 |
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 | asia |
| Annual limit | HK$10,000,000 |
| Lifetime limit | HK$40,000,000 |
| Room and board | Paid in full |
| Hospital charges | Paid in full |
| Doctor's visits | Paid in full |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | Paid in full |
| Anaesthetist | Paid in full |
| Operating theatre | Paid in full |
| Diagnostic imaging | Paid in full |
| Non-surgical cancer treatment | Paid in full |
| Outpatient before and after | Paid in full |
| Psychiatric treatment | HK$50,000 |
Also includes outpatient general, dental, maternity, home nursing, hospital cash, rehabilitation, hospice care, kidney dialysis, reconstructive surgery, a death benefit.
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 | 128 p.11 |
|---|---|
| Pre-existing conditions unknown at application | No coverage for the first 30 days of the first Policy Year, full coverage from the 31st day of the first Policy Year onwards. p.22 |
| Waiting period | 30 days for pre-existing conditions unknown at application p.22 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period. After cooling-off, 30 days written notice required, no refund if benefits paid in relevant Policy Year. p.3 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits may involve re-underwriting limited to those benefits. Switching to a plan with downgraded/reduced benefits does not involve re-underwriting but is subject to company discretion. p.13 |
| Room class | Semi-private Room in Hong Kong, Macau and mainland China; Standard Private Room elsewhere in Asia and for emergency treatment outside Asia. p.61 |
| If a higher room is used | If voluntarily confined in a higher ward class: Semi-private Room to Standard Private Room (50% adjustment), Semi-private Room to Above Standard Private Room (25% adjustment), Standard Private Room to Above Standard Private Room (25% adjustment). p.52 |
| Geographical cover | Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, mainland 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.61 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | Covered in accordance with terms and benefits. p.51 |
| Full cover on core benefits | yes p.62 |
| Annual limit | HKD 10,000,000 per Policy Year p.61 |
| Lifetime limit | HKD 40,000,000 per life p.61 |
| Deductible options | 0, 25000 p.61 |
| How the deductible applies | Per Policy Year, with an option to reduce at ages 50, 55, 60, 65, 70, 75, or 80. p.49 |
| Coinsurance | none p.62 |
| Pre-admission outpatient | All outpatient visits within 30 days prior to confinement/day case procedure (max 1 per day); max 1 outpatient visit more than 30 days prior. p.62 |
| Post-discharge outpatient | Maximum 12 outpatient visits within 90 days after discharge/completion of day case procedure (max 1 per day). p.62 |
| General outpatient | none |
| Psychiatric treatment | HKD 50,000 per Policy Year p.62 |
| Diagnostic imaging coinsurance | none p.62 |
| Non-surgical cancer treatment | Full cover p.62 |
| Kidney dialysis | Full cover for outpatient kidney's dialysis treatment. p.62 |
| Day case procedures | HKD 1,000 per Day Case Procedure, maximum 10 per Policy Year (max 1 per day). p.63 |
| Home nursing | Full cover for home nursing services by 1 Registered Nurse per day for a maximum of 60 days per Policy Year, within 90 days after discharge from hospital following a surgical procedure or ICU admission. p.62 |
| Hospice care | HKD 80,000 per Policy Year p.63 |
| Chinese medicine | HKD 800 per visit for Chinese Medicine Practitioner consultation/treatment/medication under Stroke ancillary benefit (max 30 visits/year) and Post-Confinement/Day Case Procedure outpatient ancillary benefit (max 30 visits/year). p.38 |
| Physiotherapy | Full cover for physiotherapy during confinement. HKD 800 per visit for physiotherapy/chiropractic under Stroke ancillary benefit (max 30 visits/year) and Post-Confinement/Day Case Procedure outpatient ancillary benefit (max 30 visits/year). p.19 |
| Congenital conditions | Not covered if manifested or diagnosed before age 8. p.25 |
| Pregnancy complications | Full cover for Covered Pregnancy Complications, provided diagnosis is at least 12 months after Policy Effective Date. p.37 |
| Emergency dental | Full cover for emergency dental treatment and follow-up within 31 days from accident, necessitated by injury to natural teeth. p.37 |
| Hospital cash | HKD 800 per day for using a lower room class in Hong Kong/Macau, max 30 days per Policy Year. p.63 |
| Companion bed | Full cover for one extra bed for one Designated Family Member to accompany the Insured Person during confinement. p.35 |
| No-claim discount | 5% after 3 claim-free years, 10% after 4 claim-free years, 15% after 5+ claim-free years. p.48 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); sex reassignment or sexual dysfunction; purchase of durable medical equipment or appliances. p.23 |
At a constant age of 45, Chubb has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$8,174 to HK$8,174.
| Year | 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 |
|---|---|---|---|
| HKD25,000 Deductible (Asia) | Semi-private | HK$25,000 | HKD 10,000,000 |
| HKD25,000 Deductible (Asia) | Semi-private | HK$25,000 | HKD 10,000,000 |
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.