Chubb VHIS - Prime Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00075-09-000-01. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$7,736 |
| 45 | HK$10,479 |
| 60 | HK$19,293 |
| 75 | HK$46,663 |
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 | No coverage for the first 30 days of the first policy year, full coverage from 31st day onwards. p.21 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period. p.3 |
| Switching from another plan | Possible to switch from another VHIS plan to this plan. Can switch to another plan with upgraded/added benefits, subject to re-underwriting for new benefits. p.13 |
| Room class | Standard Private Room p.61 |
| If a higher room is used | If voluntarily confined in a higher ward class, benefits are subject to a ward class adjustment factor: Semi-private Room 50%, Above Standard Private Room 25% (if entitled to Standard Private Room); Above Standard Private Room 25% (if entitled to Semi-private Room). p.52 |
| Geographical cover | Worldwide excluding USA p.61 |
| Psychiatric treatment area | Hong Kong only p.64 |
| Emergency treatment abroad | Covered p.51 |
| Full cover on core benefits | yes p.64 |
| Annual limit | 15000000 p.61 |
| Lifetime limit | 60000000 p.61 |
| Deductible options | 0, 100000 p.49 |
| How the deductible applies | Per Policy Year, can be reduced at ages 50, 55, 60, 65, 70, 75, or 80. p.49 |
| Coinsurance | none |
| 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/completion of Day Case Procedure (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 for haemodialysis or peritoneal dialysis for chronic and irreversible kidney failure. p.63 |
| Day case procedures | Covered as in-patient, plus a cash benefit of HKD $1,200 per procedure, up to 10 procedures per policy year. p.63 |
| Home nursing | Full cover for home nursing by a Registered Nurse within 90 days after discharge, up to 60 days per policy year. p.63 |
| Hospice care | HKD $100,000 per Policy Year p.64 |
| Chinese medicine | HKD $1,000 per visit for stroke ancillary benefit (max 30 visits) and post-confinement/day case procedure outpatient ancillary benefit (max 30 visits). p.63 |
| Physiotherapy | Covered during confinement. HKD $1,000 per visit for stroke ancillary benefit (max 30 visits) and post-confinement/day case procedure outpatient ancillary benefit (max 30 visits). p.63 |
| Congenital conditions | Covered from age 8 p.25 |
| Pregnancy complications | Full cover for covered pregnancy complications, provided diagnosis is at least 12 months after policy effective date. p.37 |
| Emergency dental | Full cover for emergency dental treatment and follow-up due to accidental injury to natural teeth within 31 days of accident. p.37 |
| Hospital cash | HKD $1,200/day for lower room class (max 30 days); HKD $1,200/Day Case Procedure (max 10); HKD $800/day for Designated Family Member (max 30 days); HKD $800/day top-up subsidy (max 90 days). p.64 |
| Companion bed | Full cover for one extra bed for one Designated Family Member during confinement. p.35 |
| 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 | standard VHIS exclusions only |
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$10,479 to HK$10,479.
| 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 (Worldwide excluding USA) | Private | HK$100,000 | HKD 15,000,000 |
| HKD100,000 Deductible (Worldwide excluding USA) | Private | HK$100,000 | 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.