Chubb VHIS - Prime Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00075-07-000-01. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$11,642 |
| 45 | HK$16,079 |
| 60 | HK$31,760 |
| 75 | HK$75,553 |
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 | First 30 days of first Policy Year no coverage; from 31st day of first Policy Year onwards full coverage p.21 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits paid. After cooling-off, 30 days prior written notice required, no refund if benefits paid in current Policy Year. Pro-rata refund upon death of Insured or Company ceasing authorization. p.3 |
| Switching from another plan | Switching to another plan with upgrade of benefits requires re-underwriting for the upgraded benefits. Switching to a plan with downgrade of benefits is at Company's discretion without re-underwriting. p.13 |
| Room class | Standard Private Room 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 | Worldwide excluding USA p.61 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | Covered p.51 |
| Full cover on core benefits | yes p.63 |
| Annual limit | 15000000 p.61 |
| Lifetime limit | 60000000 p.61 |
| Deductible options | 0, 25000 p.49 |
| How the deductible applies | Per Policy Year, can be reduced at ages 50, 55, 60, 65, 70, 75, 80 p.49 |
| Coinsurance | none p.26 |
| Pre-admission outpatient | Full cover for all outpatient visits within 30 days prior to Confinement/Day Case Procedure (max 1 per day), and max 1 outpatient visit more than 30 days prior. p.62 |
| Post-discharge outpatient | Full cover for max 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 | none p.62 |
| Non-surgical cancer treatment | full cover p.62 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis p.62 |
| Day case procedures | Cash benefit of HKD 1,200 per Day Case Procedure, max 10 per Policy Year p.44 |
| Home nursing | Full cover for home nursing by Registered Nurse within 90 days after discharge, max 60 days per Policy Year p.62 |
| Hospice care | 100000 per Policy Year p.63 |
| Chinese medicine | HKD 1,000 per visit for Stroke ancillary benefit and Post-Confinement/Day Case Procedure outpatient ancillary benefit p.62 |
| Physiotherapy | Full cover during Confinement and for pre/post-Confinement outpatient care; HKD 1,000 per visit for Stroke ancillary benefit and Post-Confinement/Day Case Procedure outpatient ancillary benefit p.62 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.25 |
| Pregnancy complications | Full cover, provided diagnosis is at least 12 months after Policy Effective Date p.37 |
| Emergency dental | Full cover p.62 |
| Hospital cash | HKD 1,200 per day for lower room class (max 30 days); HKD 1,200 per Day Case Procedure (max 10); HKD 800 per day for Designated Family Member (max 30 days); HKD 800 per day for Top up subsidy (max 90 days) 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 | Purchase of durable medical equipment or appliances; Traditional Chinese medicine/alternative treatment except for specific enhanced benefits. 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$16,079 to HK$16,079.
| 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 (Worldwide excluding USA) | Private | HK$25,000 | HKD 15,000,000 |
| HKD25,000 Deductible (Worldwide excluding USA) | Private | HK$25,000 | 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.