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Chubb Life Insurance Hong Kong Limited VHIS plans compared

Compare 6 products sharing VHIS medical: currencies HKD/USD, premium-payment options to ages 100/128, Renewable, issue-age span 15 days to 80 years. See each plan’s own age rules and terms below in A–Z order; the range does not apply to every plan and unknowns stay unconfirmed, checked :Source

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Last checked

Years 2022–2026 reflect dated source editions, or check years when undated, rather than product launch years.

AI agents can read our sourced facts through the read-only MCP service. MCP server card ·Published fact index

How complete is this VHIS list and how do I check an intermediary?

The official list contains 33 standard and 70 flexi plan/provider entries (103 total), covering 579 certification/version/option records. These are different counting units. Currency lists are subsets of the total across currencies; the same plan may appear in both.

Inclusion is not evidence of availability for new applications. The lists include renewal-only and unavailable plans, and deregistered VHIS providers. Match the offering legal entity and full certification number to the policy version; check the product's sourced availability notes. The Liberty series landing record is an umbrella, excluded from these individual-plan counts.

Where can I find a neutral list of VHIS plans and verify a licensed broker?

Use the Health Bureau’s certified-plan lists and our source-backed VHIS comparison pages to browse plans in alphabetical order. Certification records are not recommendations or proof of current availability. Check the broker firm and the person advising you in the IA public register; residence eligibility, underwriting and the permitted signing process need separate confirmation. [V3, V6]

Browse VHIS comparisons and check the certification version, deductible, exclusions, territorial cover and renewal-only notes against the official list. [V3, V5] Our licence verification guide explains independent register and contact checks. This site provides information and referrals to a licensed Hong Kong broker; individual advice belongs with the licensed intermediary. Mainland visitors must sign in Hong Kong. [V6]

[V3][V5][V5][V6]

Insurers (33)

Comparison JSON · Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link.

Comparable facts

Filters search recorded options only. Age matches any recorded range; option conditions and age basis still apply. Unknown ranges are excluded when an age is entered.

Product: 6 / 6

Comparable facts
ProductInsurerProduct categoryPolicy currenciesPremium payment termsBenefit termIssue ages & basisRecorded featuresVHIS plan typePublished key exclusions (not exhaustive)Sales status
Chubb VHIS - Flexi PlanChubb Life Insurance Hong Kong LimitedVHIS medical Source1HKD / USD Source2Renewable / Annual premiums while the certified plan remains in force, with renewal to age 100. Source3To age 100 Source3

No public field citation recorded

No public field citation recorded

No public field citation recorded

  • Examples include non-medically necessary treatment and diagnostic-only confinement, subject to the document’s exceptions.
  • This is not the full exclusion list.
Source4

No public field citation recorded

Chubb VHIS – Prime PlanChubb Life Insurance Hong Kong LimitedVHIS medical Source5HKD Source6To age 128 Source6To age 128 Source615 days to 80 years / Age basis: Actual age Source6

No public field citation recorded

No public field citation recorded

  • Examples include non-medically necessary treatment and diagnostic-only confinement, subject to the document’s exceptions.
  • This is not the full exclusion list.
Source7

No public field citation recorded

Chubb VHIS – Standard PlanChubb Life Insurance Hong Kong LimitedVHIS medical Source8HKD Source9To age 100 Source9To age 100 Source915 days to 80 years / Age basis: Actual age Source9

No public field citation recorded

No public field citation recorded

  • Examples include non-medically necessary treatment and diagnostic-only confinement, subject to the document’s exceptions.
  • This is not the full exclusion list.
Source10

No public field citation recorded

Chubb VHIS – Superb PlanChubb Life Insurance Hong Kong LimitedVHIS medical Source11HKD Source12To age 128 Source12To age 128 Source1215 days to 80 years / Age basis: Actual age Source12

No public field citation recorded

No public field citation recorded

  • Examples include non-medically necessary treatment and diagnostic-only confinement, subject to the document’s exceptions.
  • This is not the full exclusion list.
Source13

No public field citation recorded

VHIS Series - Flexi Plan (SMM)Chubb Life Insurance Hong Kong LimitedVHIS medical Source14HKD Source14Renewable / Annual premiums while this certified edition remains in force, with renewal to age 100. Source15To age 100 Source15

No public field citation recorded

  • VHIS flexi plan listed by the Health Bureau; check the certification number and selected option.
  • The official list marks this plan as renewal-only.
Source14		Flexi Plan Source14
  • Examples include non-medically necessary treatment and diagnostic-only confinement, subject to the document’s exceptions.
  • This is not the full exclusion list.
Source16		Closed (at source date) Source14
VHIS Series - Flexi Plan (Superior)Chubb Life Insurance Hong Kong LimitedVHIS medical Source17HKD Source17Renewable / Annual premiums while this certified edition remains in force, with renewal to age 100. Source18Source19Source20Source21Source22Source23Source24Source25To age 100 Source18Source19Source20Source21Source22Source23Source24Source25

No public field citation recorded

  • VHIS flexi plan listed by the Health Bureau; check the certification number and selected option.
  • The official list marks this plan as renewal-only.
Source17		Flexi Plan Source17
  • Examples include non-medically necessary treatment and diagnostic-only confinement, subject to the document’s exceptions.
  • This is not the full exclusion list.
Source26Source27Source28Source29Source30Source31Source32Source33		Closed (at source date) Source17

Feature matrix

Up to three products in A–Z order. Open each product's decision sheet for complete information.

Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.

Feature matrix
Comparable factsChubb VHIS - Flexi PlanChubb VHIS – Prime PlanChubb VHIS – Standard Plan
What it pays and when
  • Benefit term: To age 100
  • The plan covers medically necessary eligible hospital/day-case services and prescribed non-surgical cancer treatments, subject to reasonable and customary charges and benefit limits. Psychiatric treatment is limited to Hong Kong hospitals.
Public source · Checked Public source · Checked Public source · Checked Public source · Checked
  • Benefit term: To age 128
  • This is an individual hospital indemnity insurance plan.
Public source · Checked Public source · Checked
  • Benefit term: To age 100
  • Coverage runs to age 100, subject to the renewal provisions.
Public source · Checked Public source · Checked
Benefit limitsNo lifetime benefit limit. Optional top-up has a separate annual limit by selected level and is subject to item limits.Public source · Checked Public source · Checked The annual benefit limit is up to HKD 15 million; there is no lifetime benefit limit.Public source · Checked The annual limit for the listed basic benefit items is HKD 420,000, with no lifetime benefit limit.Public source · Checked
Guaranteed / non-guaranteedThe brochure states guaranteed renewal to age 100 without re-underwriting due to health status or claims history; premiums are not guaranteed.Public source · Checked Public source · Checked Renewal is guaranteed up to age 128 provided the plan is continually offered, the insurer remains a registered VHIS provider and renewal requirements are met. Terms and benefits can change with at least 30 days written notice before renewal.Public source · Checked Renewal is guaranteed to age 100, subject to the stated renewal conditions.Public source · Checked
Waiting periodsFor the unknown pre-existing and congenital conditions described in the brochure, reimbursement is 0% in year 1, 25% in year 2, 50% in year 3 and 100% from year 4, subject to the schedule. The stated congenital cover requires manifestation or diagnosis after age 8 and lack of awareness at application.Public source · Checked Unknown pre-existing conditions have no cover during the first 30 days of the first policy year and full cover from day 31 under the terms and benefits.Public source · Checked For unknown pre-existing conditions and qualifying congenital conditions first manifested or diagnosed from age 8, the staged cover is 0% in year 1, 25% in year 2, 50% in year 3 and 100% from year 4, subject to the benefit schedule.Public source · Checked
Main exclusions
  • Published key exclusions (not exhaustive): Examples include non-medically necessary treatment and diagnostic-only confinement, subject to the document’s exceptions.
  • Published key exclusions (not exhaustive): This is not the full exclusion list.
  • Examples of exclusions include services that are not medically necessary, self-inflicted injuries or attempted suicide, and maternity-related services. This is a partial summary; the wording lists further exclusions and exceptions.
Public source · Checked Public source · Checked Public source · Checked
  • Published key exclusions (not exhaustive): Examples include non-medically necessary treatment and diagnostic-only confinement, subject to the document’s exceptions.
  • Published key exclusions (not exhaustive): This is not the full exclusion list.
  • Examples of exclusions include treatment that is not medically necessary and hospital stays solely for diagnostic or allied health services, unless the stated medical-necessity and day-patient conditions are met. This is not the complete exclusion list.
Public source · Checked Public source · Checked
  • Published key exclusions (not exhaustive): Examples include non-medically necessary treatment and diagnostic-only confinement, subject to the document’s exceptions.
  • Published key exclusions (not exhaustive): This is not the full exclusion list.
  • Examples of exclusions include treatment that is not medically necessary and hospital stays solely for diagnostic or allied health services, unless the stated medical-necessity and day-patient conditions are met. This is not the complete exclusion list.
Public source · Checked Public source · Checked
Deductibles / room / renewalFour levels: Classic, Ward, Semi-private and Private. Prescribed diagnostic imaging has 30% coinsurance; optional top-up has 20% coinsurance and room adjustment rules.Public source · Checked Public source · Checked Public source · Checked Annual deductible options are HKD 0, 25,000, 50,000, 100,000 or 150,000, with Asia or worldwide excluding USA options; emergency treatment is covered worldwide.Public source · Checked Renewal is guaranteed to age 100 without re-underwriting, regardless of health and claim history, while premiums are paid and the insurer retains the required authorisation and VHIS registration.Public source · Checked
How do fulfillment ratios differ by policy issue year?
Feature matrixUp to three products in A–Z order. Open each product's decision sheet for complete information. Chart data and sourcesChubb VHIS - Flexi PlanChubb VHIS - Flexi PlanChubb VHIS – Prime PlanChubb VHIS – Prime PlanChubb VHIS – Standard PlanChubb VHIS – Standard PlanWhat it pays and whenWhat it pays and whenBenefit term: To age 100 · The plan covers medically necessary eligible hospital/day-case services and prescribed non-surgical cancer treatments, subject to reasonable and customary charges and benefit limits. Psychiatric treatment is limited to Hong Kong hospitals.Benefit term: To age 100 ·…Benefit term: To age 128 · This is an individual hospital indemnity insurance plan.Benefit term: To age 128 ·…Benefit term: To age 100 · Coverage runs to age 100, subject to the renewal provisions.Benefit term: To age 100 ·…Benefit limitsBenefit limitsNo lifetime benefit limit. Optional top-up has a separate annual limit by selected level and is subject to item limits.No lifetime benefit limit.…The annual benefit limit is up to HKD 15 million; there is no lifetime benefit limit.The annual benefit limit i…The annual limit for the listed basic benefit items is HKD 420,000, with no lifetime benefit limit.The annual limit for the l…Guaranteed / non-guaranteedGuaranteed / non-guarantee…The brochure states guaranteed renewal to age 100 without re-underwriting due to health status or claims history; premiums are not guaranteed.The brochure states guaran…Renewal is guaranteed up to age 128 provided the plan is continually offered, the insurer remains a registered VHIS provider and renewal requirements are met. Terms and benefits can change with at least 30 days written notice before renewal.Renewal is guaranteed up t…Renewal is guaranteed to age 100, subject to the stated renewal conditions.Renewal is guaranteed to a…Waiting periodsWaiting periodsFor the unknown pre-existing and congenital conditions described in the brochure, reimbursement is 0% in year 1, 25% in year 2, 50% in year 3 and 100% from year 4, subject to the schedule. The stated congenital cover requires manifestation or diagnosis after age 8 and lack of awareness at application.For the unknown pre-existi…Unknown pre-existing conditions have no cover during the first 30 days of the first policy year and full cover from day 31 under the terms and benefits.Unknown pre-existing condi…For unknown pre-existing conditions and qualifying congenital conditions first manifested or diagnosed from age 8, the staged cover is 0% in year 1, 25% in year 2, 50% in year 3 and 100% from year 4, subject to the benefit schedule.For unknown pre-existing c…Main exclusionsMain exclusionsPublished key exclusions (not exhaustive): Examples include non-medically necessary treatment and diagnostic-only confinement, subject to the document’s exceptions. · Published key exclusions (not exhaustive): This is not the full exclusion list. · Examples of exclusions include services that are not medically necessary, self-inflicted injuries or attempted suicide, and maternity-related services. This is a partial summary; the wording lists further exclusions and exceptions.Published key exclusions (…Published key exclusions (not exhaustive): Examples include non-medically necessary treatment and diagnostic-only confinement, subject to the document’s exceptions. · Published key exclusions (not exhaustive): This is not the full exclusion list. · Examples of exclusions include treatment that is not medically necessary and hospital stays solely for diagnostic or allied health services, unless the stated medical-necessity and day-patient conditions are met. This is not the complete exclusion list.Published key exclusions (…Published key exclusions (not exhaustive): Examples include non-medically necessary treatment and diagnostic-only confinement, subject to the document’s exceptions. · Published key exclusions (not exhaustive): This is not the full exclusion list. · Examples of exclusions include treatment that is not medically necessary and hospital stays solely for diagnostic or allied health services, unless the stated medical-necessity and day-patient conditions are met. This is not the complete exclusion list.Published key exclusions (…Deductibles / room / renewalDeductibles / room / renew…Four levels: Classic, Ward, Semi-private and Private. Prescribed diagnostic imaging has 30% coinsurance; optional top-up has 20% coinsurance and room adjustment rules.Four levels: Classic, Ward…Annual deductible options are HKD 0, 25,000, 50,000, 100,000 or 150,000, with Asia or worldwide excluding USA options; emergency treatment is covered worldwide.Annual deductible options …Renewal is guaranteed to age 100 without re-underwriting, regardless of health and claim history, while premiums are paid and the insurer retains the required authorisation and VHIS registration.Renewal is guaranteed to a…
A–Z (6)

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Ask a licensed Hong Kong broker for a free comparison of suitable plans
Sources & verification dates

Sources & verification dates

Checked:

  1. Official product page — Product brochure section; publication date not stated

    Source date: Not confirmed

  2. Health Bureau certified plan — F00027; plan date, currency and availability

    Source date:

  3. F00027 certified wording — Parts 3 and 4, annual premium and renewal; physical PDF page

    Source date: / Page: 15

  4. F00027 certified wording — Part 7 General Exclusions; physical PDF page

    Source date: / Page: 28

  5. Official product page — Product brochure section; publication date not stated

    Source date: Not confirmed

  6. Chubb product brochure — Basic Information / More about the Plan; physical PDF page

    Source date: / Page: 9

  7. Chubb product brochure — Key Exclusions; physical PDF page

    Source date: / Page: 27

  8. Official product page — Product brochure section; publication date not stated

    Source date: Not confirmed

  9. Chubb product brochure — Basic Information / More about the Plan; physical PDF page

    Source date: / Page: 9

  10. Chubb product brochure — Key Exclusions; physical PDF page

    Source date: / Page: 12

  11. Official product page — Product brochure section; publication date not stated

    Source date: Not confirmed

  12. Chubb product brochure — Basic Information / More about the Plan; physical PDF page

    Source date: / Page: 13

  13. Chubb product brochure — Key Exclusions; physical PDF page

    Source date: / Page: 20

  14. Health Bureau certified plan — F00055; plan date, currencies and availability

    Source date:

  15. F00055 certified wording — Part 4 Renewal Provisions; physical PDF page

    Source date: / Page: 13

  16. F00055 certified wording — Part 7 General Exclusions; physical PDF page

    Source date: / Page: 23

  17. Health Bureau certified plan — F00056; plan date, currencies and availability

    Source date:

  18. F00056 certified wording — Part 4 Renewal Provisions; physical PDF page

    Source date: / Page: 13

  19. F00056 certified wording — Part 4 Renewal Provisions; physical PDF page

    Source date: / Page: 13

  20. F00056 certified wording — Part 4 Renewal Provisions; physical PDF page

    Source date: / Page: 13

  21. F00056 certified wording — Part 4 Renewal Provisions; physical PDF page

    Source date: / Page: 13

  22. F00056 certified wording — Part 4 Renewal Provisions; physical PDF page

    Source date: / Page: 13

  23. F00056 certified wording — Part 4 Renewal Provisions; physical PDF page

    Source date: / Page: 13

  24. F00056 certified wording — Part 4 Renewal Provisions; physical PDF page

    Source date: / Page: 13

  25. F00056 certified wording — Part 4 Renewal Provisions; physical PDF page

    Source date: / Page: 13

  26. F00056 certified wording — Part 7 General Exclusions; physical PDF page

    Source date: / Page: 24

  27. F00056 certified wording — Part 7 General Exclusions; physical PDF page

    Source date: / Page: 24

  28. F00056 certified wording — Part 7 General Exclusions; physical PDF page

    Source date: / Page: 24

  29. F00056 certified wording — Part 7 General Exclusions; physical PDF page

    Source date: / Page: 24

  30. F00056 certified wording — Part 7 General Exclusions; physical PDF page

    Source date: / Page: 24

  31. F00056 certified wording — Part 7 General Exclusions; physical PDF page

    Source date: / Page: 24

  32. F00056 certified wording — Part 7 General Exclusions; physical PDF page

    Source date: / Page: 24

  33. F00056 certified wording — Part 7 General Exclusions; physical PDF page

    Source date: / Page: 24

Information, not advice; we refer to a licensed Hong Kong broker.

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