Chubb VHIS - Prime Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00075-05-000-01. It entitles the insured to a semi-private room and covers treatment asia.
| Age | Annual premium |
|---|---|
| 30 | HK$3,355 |
| 45 | HK$4,379 |
| 60 | HK$7,491 |
| 75 | HK$17,441 |
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 | 0% for the first 30 days of the first Policy Year, 100% from 31st day of the first Policy Year onwards p.22 |
| Waiting period | 12 months for pregnancy complications p.37 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period p.3 |
| Switching from another plan | Switching to another plan with upgraded or additional benefits is subject to re-underwriting limited to such upgrades/additions 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 Semi-private Room entitled, 50% for Standard Private Room, 25% for above Standard Private Room. If Standard Private Room entitled, 25% for above Standard Private Room. 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.50 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | Covered in accordance with Terms and Benefits, subject to formula and restrictions p.51 |
| Full cover on core benefits | yes p.62 |
| Annual limit | 10000000 p.61 |
| Lifetime limit | 40000000 p.61 |
| Deductible options | 0, 150000 p.49 |
| How the deductible applies | Per Policy Year, can be reduced at ages 50, 55, 60, 65, 70, 75, 80 p.27 |
| Coinsurance | none p.62 |
| Pre-admission outpatient | Full cover for all outpatient visits within 30 days prior (max 1 per day), and 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 (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 p.62 |
| Day case procedures | HKD $1,000 per Day Case Procedure, max 10 per Policy Year p.64 |
| Home nursing | Full cover within 90 days after discharge, max 60 days per Policy Year (1 Registered Nurse per day) p.62 |
| Hospice care | HKD $80,000 per Policy Year p.64 |
| Chinese medicine | HKD $800 per visit for Stroke ancillary benefit (max 30 visits/year) and Post-Confinement/Day Case Procedure outpatient ancillary benefit (max 30 visits/year) p.24 |
| Physiotherapy | Full cover during Confinement; Full cover for max 12 visits within 90 days post-discharge; HKD $800 per visit for Stroke ancillary (max 30 visits/year) and Post-Confinement/Day Case Procedure outpatient ancillary (max 30 visits/year) p.19 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.24 |
| Pregnancy complications | Full cover for Covered Pregnancy Complications, subject to 12-month waiting period p.37 |
| Emergency dental | Full cover for emergency treatment and follow-up within 31 days from accident for injury to natural teeth p.37 |
| Hospital cash | HKD $800 per day for lower room class (max 30 days/year); HKD $1,000 per Day Case Procedure (max 10/year); HKD $800 per day for Designated Family Member (max 30 days/year); HKD $600 per day for top-up subsidy (max 90 days/year) p.64 |
| Companion bed | Full cover for one extra bed for one Designated Family Member p.35 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| 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 | Venereal and sexually transmitted diseases; Purchase of durable medical equipment or appliances; Traditional Chinese medicine and other alternative treatments 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$4,379 to HK$4,379.
| 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 |
|---|---|---|---|
| HKD150,000 Deductible (Asia) | Semi-private | HK$150,000 | HKD 10,000,000 |
| HKD150,000 Deductible (Asia) | Semi-private | HK$150,000 | 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.