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Chubb VHIS – Superb Plan
Overview
Chubb VHIS – Superb Plan (the "Plan"), a Flexi Plan certified under the Government’s Voluntary Health Insurance Scheme (“VHIS”). The Plan provides full cover for Eligible Expenses in General Ward class, giving you comprehensive protection across medical needs without worrying the burden of itemised sub-limits. You can choose from a range of Deductible options, with an Annual Benefit Limit of up to HKD 6 million and without any Lifetime Benefit Limit. The Plan makes quality medical services accessible to more families.
Moreover, the Plan also extends to cover the medical expenses for non-Emergency treatment in Greater China, including mainland China Class 2 or above Hospitals, giving you greater flexibility and mobility to address your medical needs whenever and wherever. With added specialist referral assistance, on-the-ground medical companion service and cashless arrangement service, cross-border care has never been smoother and more reassuring.
VHIS Certification No.
Deductible |
VHIS Certification Number |
HKD0 |
F00082-01-000-01 |
HKD25,000 |
F00082-02-000-01 |
HKD50,000 |
F00082-03-000-01 |
HKD100,000 |
F00082-04-000-01 |
Plan Highlights
The Plan provides full cover for Eligible Expenses without worrying the burden of itemised sub-limits, while expanding the safety net to support you at every stage — from diagnosis and treatment to recovery.
Any Pre-existing Condition(s) that was unknown at the time of insurance application will be covered starting from the 31st day of the 1st Policy Year, ensuring the Insured Person is not left vulnerable to unexpected health challenges.
The Plan keeps pace with this trend by providing coverage not only in Hong Kong, but also covers medical expenses for non-emergency treatment incurred in Taiwan, Macau and Class 2 or above Hospitals in mainland China. This gives you a broader safety net and the flexibility to access timely treatment wherever it suits you best.
You can also match your coverage to your budget by choosing a Deductible amount — HKD 0 / HKD 25,000 / HKD 50,000 / HKD 100,000, which is calculated per Policy Year.
If the Insured Person receives medical treatment at a mainland China Class 2 or above Hospital or home nursing in mainland China, the amount of “Back-You-Up Deductible” applies in lieu of the selected Deductible amount of the Plan per Policy Year, as shown in the following table. This reduces the relevant out-of-pocket expenses, offering greater flexibility and freedom in the medical choices.
With guaranteed Renewal up to Age 128 of the Insured Person, this Plan ensures the coverage is designed to last a lifetime.
As a VHIS Certified Plan, the qualifying Premiums you pay for yourself and your eligible family members under this Plan could be eligible for tax deductions of up to HKD 8,000 for each Insured Person per fiscal year, helping you reduce the tax burden.
- Cashless arrangement service across Hong Kong, Macau and mainland China, so you can focus on your health without worrying about upfront payments.
- Mainland China prestige medical companion service for on-the-ground support during your treatment.
- Specialist referral and appointment service to connect you with the suitable specialists.
- Medical green channel for faster admission to designated Hospitals.
- Second medical opinion consultation is offered to give you greater confidence in the healthcare decisions.
Resources
This webpage is for general reference only and should not be regarded as professional advice, recommendation and it is not part of the policy. It provides an overview of the key features of the product and should be read along with other materials which cover additional information about the product. Such materials include, but not limited to, product brochure that contains key product risks, policy provisions that contain exact terms and conditions, benefit illustrations (if any) and other policy documents and other relevant marketing materials, which are all available upon request. You might also consider seeking independent professional advice if needed.
The above information shall not be construed as an offer to sell, solicitation or persuasion to buy or provision of any of our products outside Hong Kong. For further information, please contact your Chubb Life Hong Kong Insurance Consultant or call our Customer Service Center Hotline at (852) 2894 9833.
The “Chubb Life Hong Kong”, “Company”, “we”, or “our” herein refers to Chubb Life Insurance Hong Kong Limited.