Chubb VHIS - Prime Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00075-10-000-01. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$6,693 |
| 45 | HK$9,250 |
| 60 | HK$17,142 |
| 75 | HK$39,742 |
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 first 30 days of first policy year, full coverage from 31st day of first policy year onwards p.21 |
| Cancellation and refund | Full refund of premium if cancelled within 21-day cooling-off period, provided no benefit payment has been made. p.3 |
| Switching from another plan | Switching to another plan with upgraded benefits may involve re-underwriting; switching to downgraded benefits does not involve re-underwriting but is subject to company discretion. p.13 |
| Room class | Standard Private Room p.61 |
| If a higher room is used | If a room class higher than Standard Private Room is used, benefits are subject to a 25% ward class adjustment factor. p.52 |
| Geographical cover | Worldwide excluding USA p.61 |
| Psychiatric treatment area | Hong Kong only p.50 |
| Emergency treatment abroad | Covered in full p.51 |
| Full cover on core benefits | yes p.63 |
| Annual limit | 15,000,000 p.61 |
| Lifetime limit | 60,000,000 p.61 |
| Deductible options | 150000, 0 (at certain ages) 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 | 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 maximum 12 outpatient visits within 90 days after discharge/day case procedure (max 1 per day). p.62 |
| General outpatient | none |
| Psychiatric treatment | 50,000 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 | Covered as day patient, full cover for eligible expenses, plus HKD 1,200 cash benefit per procedure (max 10 per year). p.44 |
| Home nursing | Full cover for home nursing by a Registered Nurse 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 for stroke ancillary benefit (max 30 visits/year) and post-confinement/day case outpatient ancillary benefit (max 30 visits/year). p.38 |
| Physiotherapy | HKD 1,000 per visit for stroke ancillary benefit (max 30 visits/year) and post-confinement/day case outpatient ancillary benefit (max 30 visits/year). p.38 |
| Congenital conditions | Covered from age 8 p.25 |
| Pregnancy complications | Full cover for eligible expenses, provided diagnosis is at least 12 months after Policy Effective Date. p.37 |
| Emergency dental | Full cover for emergency dental treatment due to accident to natural teeth within 31 days from accident. p.37 |
| Hospital cash | HKD 1,200/day for lower room class (max 30 days/year); HKD 1,200/day for day case (max 10/year); HKD 800/day for Designated Family Member (max 30 days/year); HKD 800/day top-up subsidy (max 90 days/year). p.44 |
| Companion bed | Full cover for one extra bed for one Designated Family Member. 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 | Disability from dependence, overdose, drugs, alcohol, narcotics, or venereal/sexually transmitted diseases; Purchase of durable medical equipment/appliances (unless covered by home facility enhancement); Traditional Chinese medicine and other alternative treatments (unless covered by stroke ancillary or post-confinement outpatient ancillary benefit). 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$9,250 to HK$9,250.
| 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 (Worldwide excluding USA) | Private | HK$150,000 | HKD 15,000,000 |
| HKD150,000 Deductible (Worldwide excluding USA) | Private | HK$150,000 | 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.