Chubb VHIS - Prime Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00075-04-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$4,070 |
| 45 | HK$5,456 |
| 60 | HK$9,682 |
| 75 | HK$22,961 |
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 | None, other than for unknown pre-existing conditions p.22 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment has been made or is impending p.3 |
| Switching from another plan | Switching to another plan is possible; re-underwriting applies for upgrades/additions, but not for downgrades/reductions (discretionary acceptance) p.13 |
| Room class | Semi-private Room in Hong Kong, Macau and mainland China; Standard Private Room elsewhere in Asia; Standard Private Room outside Asia for Emergency Treatment p.61 |
| If a higher room is used | If voluntarily confined in a higher ward class: Semi-private to Standard Private (50% adjustment factor), Semi-private to Above Standard Private (25% adjustment factor), Standard Private to Above Standard Private (25% adjustment factor) p.52 |
| Geographical cover | Asia (as defined in the policy) p.61 |
| Psychiatric treatment area | Hong Kong only p.63 |
| Emergency treatment abroad | Covered in accordance with Terms and Benefits p.51 |
| Full cover on core benefits | yes p.61 |
| Annual limit | 10000000 p.61 |
| Lifetime limit | 40000000 p.61 |
| Deductible options | 0, 100000 p.49 |
| How the deductible applies | Per Policy Year, with an option to reduce at ages 50, 55, 60, 65, 70, 75, or 80 p.61 |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests p.62 |
| Pre-admission outpatient | Full cover for all outpatient visits within 30 days prior (max 1 per day), and max 1 outpatient visit more than 30 days prior p.62 |
| Post-discharge outpatient | Full cover for 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 | 50000 p.62 |
| Diagnostic imaging coinsurance | 30% p.62 |
| Non-surgical cancer treatment | full cover p.62 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis for chronic and irreversible kidney failure p.62 |
| Day case procedures | Covered as in-patient, with a cash benefit of $1,000 per procedure, max 10 procedures per policy year p.27 |
| Home nursing | Full cover for home nursing by a Registered Nurse for max 60 days per policy year, within 90 days after discharge from hospital following surgery or ICU admission p.62 |
| Hospice care | 80000 per Policy Year p.62 |
| Chinese medicine | Covered under Stroke ancillary benefit and Post-Confinement/Day Case Procedure outpatient ancillary benefit ($800 per visit, max 30 visits per policy year) p.38 |
| Physiotherapy | Full cover during confinement and for pre/post-confinement outpatient care; $800 per visit (max 30 visits per policy year) for Stroke ancillary and Post-Confinement/Day Case Procedure outpatient ancillary benefits p.19 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.25 |
| Pregnancy complications | Full cover for Covered Pregnancy Complications diagnosed at least 12 months after Policy Effective Date p.62 |
| Emergency dental | Full cover for emergency treatment and follow-up dental treatments necessitated by Injury caused by an Accident to natural teeth within 31 days from the Accident p.62 |
| Hospital cash | Lower room class cash benefit ($800/day, max 30 days/year); Day Case Procedure cash benefit ($1,000/procedure, max 10/year); Designated Family Member daily cash benefit ($800/day, max 30 days/year); Top up subsidy cash benefit ($600/day, max 90 days/year) p.62 |
| Companion bed | Full cover for one extra bed for one Designated Family Member to accompany the Insured Person during Confinement p.62 |
| No-claim discount | 5% for 3 claim-free years, 10% for 4 claim-free years, 15% for 5+ claim-free years p.48 |
| Exclusions beyond the VHIS standard list | Drug/alcohol dependence/overdose, venereal/STDs 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$5,456 to HK$5,456.
| 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 |
|---|---|---|---|
| HKD100,000 Deductible (Asia) | Semi-private | HK$100,000 | HKD 10,000,000 |
| HKD100,000 Deductible (Asia) | Semi-private | HK$100,000 | 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.