Chubb VHIS - Prime Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00075-06-000-01. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$18,715 |
| 45 | HK$26,243 |
| 60 | HK$54,200 |
| 75 | HK$125,429 |
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 | Private |
|---|---|
| Geographical cover | worldwide_ex_us |
| Annual limit | HK$15,000,000 |
| Lifetime limit | HK$60,000,000 |
| 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 the 31st day of the first policy year onwards p.22 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period; after cooling-off, cancellation with 30 days notice if no benefit payment p.3 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits, subject to re-underwriting for new benefits p.13 |
| Room class | Standard Private Room p.61 |
| If a higher room is used | 25% adjustment factor if using a room above Standard Private Room p.52 |
| Geographical cover | Worldwide excluding USA p.61 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | Covered, calculated according to formula in Section 4(a) of Part 1 of Supplement – Limitation of Benefits p.51 |
| Full cover on core benefits | yes p.62 |
| Annual limit | 15,000,000 p.61 |
| Lifetime limit | 60,000,000 p.61 |
| Deductible options | 0 p.61 |
| How the deductible applies | Per Policy Year, can be reduced at ages 50, 55, 60, 65, 70, 75, 80 p.27 |
| Coinsurance | none p.26 |
| Pre-admission outpatient | Full cover, all outpatient visits within 30 days prior to confinement/day case procedure (max 1 per day), and max 1 visit more than 30 days prior p.61 |
| Post-discharge outpatient | Full cover, max 12 outpatient visits within 90 days after discharge/completion (max 1 per day) p.61 |
| General outpatient | none |
| Psychiatric treatment | 50,000 p.62 |
| Diagnostic imaging coinsurance | none p.61 |
| Non-surgical cancer treatment | Full cover p.61 |
| Kidney dialysis | Full cover p.62 |
| Day case procedures | Covered as in-patient, plus cash benefit of HKD 1,200 per procedure, max 10 procedures per policy year p.63 |
| Home nursing | Full cover, within 90 days after discharge, max 60 days per policy year p.62 |
| Hospice care | 100,000 per policy year p.63 |
| Chinese medicine | HKD 1,000 per visit, max 30 visits per policy year, for stroke ancillary and post-confinement/day case outpatient ancillary p.62 |
| Physiotherapy | Full cover during confinement and for 12 post-discharge visits; HKD 1,000 per visit (max 30 visits per policy year) for stroke ancillary and post-confinement/day case outpatient ancillary p.62 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.24 |
| Pregnancy complications | Full cover, if diagnosed at least 12 months after policy effective date p.37 |
| Emergency dental | Full cover p.62 |
| Hospital cash | HKD 1,200 per day (max 30 days) for lower room class; HKD 800 per day (max 30 days) for Designated Family Member; HKD 800 per day (max 90 days) for top-up subsidy p.63 |
| Companion bed | Full cover p.62 |
| No-claim discount | 5% after 3 claim-free years, 10% after 4, 15% after 5 or more p.48 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only 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$26,243 to HK$26,243.
| 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 |
|---|---|---|---|
| HKD0 Deductible (Worldwide excluding USA) | Private | None | HKD 15,000,000 |
| HKD0 Deductible (Worldwide excluding USA) | Private | None | HKD 15,000,000 |
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.