Chubb VHIS - Superb Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00082-01-000-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$9,071 |
| 45 | HK$14,110 |
| 60 | HK$27,604 |
| 75 | HK$65,135 |
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 | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$6,000,000 |
| Lifetime limit | None |
| 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$40,000 |
Also includes outpatient general, home nursing, hospital cash, 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.12 |
|---|---|
| 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.22 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment has been made. p.3 |
| Switching from another plan | Possible to switch to this plan from another VHIS plan, with specific rules for pre-existing conditions if switching from Chubb VHIS Standard/Flexi Plan. p.13 |
| Room class | General Ward p.56 |
| If a higher room is used | If General Ward is entitled: Semi-private Room 50% adjustment factor; Standard Private Room 25% adjustment factor; Above Standard Private Room 25% adjustment factor p.46 |
| Geographical cover | Greater China (mainland China, Hong Kong, Macau, Taiwan) p.56 |
| Psychiatric treatment area | Hong Kong only p.56 |
| Emergency treatment abroad | Covered worldwide, subject to formula in Section 4(a)(i) of Part 1 of Supplement - Limitation of Benefits p.44 |
| Full cover on core benefits | yes p.58 |
| Annual limit | HKD6,000,000 p.56 |
| Lifetime limit | none p.56 |
| Deductible options | 0, 25000, 50000, 100000 p.43 |
| How the deductible applies | Per Policy Year. Policyholder has the right to reduce deductible once at ages 50, 55, 60, 65, 70, 75, or 80. p.27 |
| Coinsurance | none p.58 |
| 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.57 |
| Post-discharge outpatient | Full cover for maximum 12 outpatient visits within 90 days after discharge/completion of day case procedure (max 1 per day). p.57 |
| General outpatient | none |
| Psychiatric treatment | HKD40,000 p.57 |
| Diagnostic imaging coinsurance | none p.57 |
| Non-surgical cancer treatment | full cover p.57 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis for chronic and irreversible kidney failure. p.36 |
| Day case procedures | HKD1,200 per day case procedure, max 10 per policy year (max 1 per day) p.40 |
| Home nursing | Full cover, max 60 days per policy year (within 90 days after discharge from hospital following surgery or ICU admission, max 1 Registered Nurse per day) p.57 |
| Hospice care | none p.28 |
| Chinese medicine | HKD1,000 per visit for follow-up outpatient visits with Chinese Medicine Practitioner, max 30 visits per policy year (within 90 days after discharge/day case, max 1 per day) p.38 |
| Physiotherapy | HKD1,000 per visit for follow-up outpatient physiotherapy, occupational therapy, speech therapy, chiropractic treatment, and diet therapy, max 30 visits per policy year (within 90 days after discharge/day case, max 1 per day) p.37 |
| Congenital conditions | Covered if manifested or diagnosed at age 8 or later p.25 |
| Pregnancy complications | none p.24 |
| Emergency dental | Covered for emergency treatment and surgery during confinement arising from an accident. Follow-up treatment not covered. p.24 |
| Hospital cash | HKD800 per day of confinement, max 90 days per policy year, if covered by another hospital reimbursement plan p.40 |
| Companion bed | Full cover for one extra bed for one designated family member during confinement p.35 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Dependence, overdose or influence of drugs, alcohol, narcotics; Venereal and sexually transmitted disease or its sequelae; Purchase of durable medical equipment or appliances; Other alternative treatments (hypnotism, qigong, massage, aromatherapy, naturopathy, hydropathy, homeotherapy) 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$14,110 to HK$14,110.
| Year | 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 | Ward | None | HKD 6,000,000 |
| HKD0 Deductible | Ward | None | HKD 6,000,000 |
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.