Chubb VHIS - Prime Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00075-08-000-01. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$8,690 |
| 45 | HK$12,338 |
| 60 | HK$23,517 |
| 75 | HK$55,830 |
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 31st day of the first Policy Year onwards p.22 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period p.3 |
| Switching from another plan | Allowed to switch to plans with upgraded/added benefits (re-underwriting limited to new benefits) or downgraded/reduced benefits (no re-underwriting, discretion to accept/reject) p.13 |
| Room class | Standard Private Room p.61 |
| If a higher room is used | 25% adjustment factor if voluntarily confined in a ward class 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, 50000 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 (except for Prescribed Diagnostic Imaging Tests) p.64 |
| 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/Day Case Procedure (max 1 per day) p.62 |
| General outpatient | none |
| Psychiatric treatment | 50000 p.62 |
| Diagnostic imaging coinsurance | 30% p.64 |
| Non-surgical cancer treatment | full cover p.62 |
| Kidney dialysis | Full cover p.62 |
| Day case procedures | Covered as in-patient, cash benefit of HKD 1,200 per procedure, max 10 per year p.44 |
| Home nursing | Full cover within 90 days after discharge from Hospital following surgery or ICU, max 60 days per Policy Year p.62 |
| Hospice care | HKD 100,000 per Policy Year p.63 |
| Chinese medicine | Covered under Stroke ancillary benefit and Post-Confinement/Day Case Procedure outpatient ancillary benefit, HKD 1,000 per visit p.38 |
| Physiotherapy | Full cover during Confinement; HKD 1,000 per visit under Post-Confinement/Day Case Procedure outpatient ancillary benefit and Stroke ancillary benefit p.19 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.25 |
| Pregnancy complications | Full cover p.62 |
| Emergency dental | Full cover p.62 |
| Hospital cash | HKD 1,200 per day for lower room class (max 30 days); 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% for 3 claim-free years, 10% for 4, 15% for 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$12,338 to HK$12,338.
| 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 |
|---|---|---|---|
| HKD50,000 Deductible (Worldwide excluding USA) | Private | HK$50,000 | HKD 15,000,000 |
| HKD50,000 Deductible (Worldwide excluding USA) | Private | HK$50,000 | 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.