Chubb VHIS - Superb Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00082-02-000-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$3,530 |
| 45 | HK$5,625 |
| 60 | HK$12,478 |
| 75 | HK$28,584 |
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 | 0% for first 30 days of first policy year, 100% from 31st day of first policy year 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 | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, discretion to accept/reject). Special provisions for switching from another VHIS plan. p.13 |
| Room class | General Ward p.56 |
| If a higher room is used | 50% adjustment factor for Semi-private Room, 25% for Standard Private Room, 25% for Above Standard Private Room p.46 |
| Geographical cover | Greater China (mainland China, Hong Kong, Macau, and Taiwan) for non-emergency treatment; Worldwide for emergency treatment p.56 |
| Psychiatric treatment area | Hong Kong only p.44 |
| Emergency treatment abroad | Covered worldwide, subject to limitations in Section 3 of Part 1 of Supplement - Limitation of Benefits p.44 |
| Full cover on core benefits | yes p.58 |
| Annual limit | HKD6,000,000 per Policy Year p.56 |
| Lifetime limit | none p.17 |
| Deductible options | 0, 25000, 50000, 100000 p.43 |
| How the deductible applies | Per Policy Year. Policyholder can increase deductible at any renewal. Policyholder can reduce deductible once at ages 50, 55, 60, 65, 70, 75, or 80, including to HKD0. p.43 |
| 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.57 |
| Post-discharge outpatient | Full cover for maximum 12 outpatient visits within 90 days after discharge/day case procedure (max 1 per day). p.57 |
| General outpatient | none |
| Psychiatric treatment | HKD40,000 per Policy Year 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, maximum 10 per Policy Year p.40 |
| Home nursing | Full cover, maximum 60 days per Policy Year (within 90 days after discharge from Hospital following surgical procedure or ICU admission) p.35 |
| Hospice care | none p.27 |
| Chinese medicine | HKD1,000 per visit for follow-up outpatient visits with Chinese Medicine Practitioner, maximum 30 visits per Policy Year (within 90 days after discharge/day case procedure) p.38 |
| Physiotherapy | HKD1,000 per visit for follow-up outpatient physiotherapy, occupational therapy, speech therapy, chiropractic treatment and diet therapy, maximum 30 visits per Policy Year (within 90 days after discharge/day case procedure) p.37 |
| Congenital conditions | Covered from age 8 p.25 |
| Pregnancy complications | none p.24 |
| Emergency dental | Covered for emergency treatment and surgery during confinement arising from an accident p.24 |
| Hospital cash | HKD800 per day of Confinement, maximum 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 p.35 |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other alternative treatments (except post-confinement ancillary benefit) p.24 |
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$5,625 to HK$5,625.
| 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 |
|---|---|---|---|
| HKD25,000 Deductible | Ward | HK$25,000 | HKD 6,000,000 |
| HKD25,000 Deductible | Ward | HK$25,000 | 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.