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Chubb VHIS – Prime Plan
Overview
Chubb VHIS – Prime Plan (the “Plan” or “Certified Plan”), a Certified Plan under the Hong Kong Health Bureau’s Voluntary Health Insurance Scheme (“VHIS”), offers 2 plan options with different geographic reach and ward class entitlements — putting you in control of how and where you receive care.
The Plan also provides 5 Deductible options tailored to your financial preferences, and no Lifetime Benefit Limit to cap your protection as life unfolds. For non-Emergency Treatment, you may choose coverage areas including Asia or worldwide excluding USA, giving you greater freedom over the long term.
Plan Highlights
Extensive protection for every stage of life
- Full cover for medical expenses with no Lifetime Benefit Limit, helping your coverage grow alongside your needs
- Coverage for unknown Pre-existing Conditions, giving you added reassurance when it matters most
- A range of cash benefits for greater financial flexibility
- Guaranteed Renewal up to Age 128, ensuring enduring protection through the years
Greater freedom and flexibility in care
- A choice of Asia or Worldwide excluding USA coverage, with different ward class entitlements to suit your needs
- 5 Deductible options tailored to your financial preferences
- [First-in-market 1] “Back-You-Up Deductible”, helping to reduce out-of-pocket expenses and make cross-border care even more affordable
- No claims premium discount, recognizing your commitment to staying well
A world of support, wherever you are
- 24-hour booking hotline and multi-channel booking and inquiry platform for seamless healthcare coordination
- Overseas medical concierge service, including physician matching, visa assistance, and dedicated follow-up
- Worldwide cashless service arrangement (excluding USA) at designated Hospitals
- Mainland China prestige medical companion service and priority access to over 1,100 institutions
- Emergency medical assistance service and worldwide emergency assistance services, plus second medical opinions and family support
Resources
Product Brochure (with Standard Premium Schedule)
Promotion Offer: Enjoy a premium rebate on the first-year total annualised premium
Promotion Offer: Enjoy 50% premium discount on Child Policy
Terms & Conditions (including Benefit Schedule and Supplements)
Value-added Services Leaflet
Comparison among Chubb VHIS Series
Comparison of medical plans underwritten by Chubb Life Insurance Hong Kong Limited
Frequently Asked Question
Worldwide Emergency
VHIS Certification No.
New applications and renewal policies from 1 October 2026
| Deductible | Asia (Plan 1) | Worldwide excluding USA (Plan 2) |
|---|---|---|
HKD 0 |
F00075-01-000-02 |
F00075-06-000-02 |
HKD 25,000 |
F00075-02-000-02 |
F00075-07-000-02 |
HKD 50,000 |
F00075-03-000-02 |
F00075-08-000-02 |
HKD 100,000 |
F00075-04-000-02 |
F00075-09-000-02 |
HKD 150,000 |
F00075-05-000-02 |
F00075-10-000-02 |
1 It is based on a comparison with other VHIS plans for new Composite and Long-Term Businesses as identified in the Register of Authorized Insurers by Insurance Authority as of 16 December 2025.
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, Chubb VHIS – Prime Plan ("VPE"), 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.