Chubb VHIS - Standard Plan
Also known as: 安達自願醫保（標準）計劃
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Last checked
Chubb VHIS - Standard Plan is recorded as VHIS medical. Check its published cover, premium terms and exclusions below; missing fields are unconfirmed and this catalogue is for information only, with original sources checked .Sources & verification dates
At a glance
- Insurer
- Chubb Life Insurance Company Ltd.
- Product category
- VHIS medical
- Policy currencies
- HKD
- Premium payment terms
- Renewable / Annual premiums while this certified edition remains in force, with renewal to age 100.
- VHIS standard plan listed by the Health Bureau; check the certification number and selected option.
- The official list marks this plan as unavailable.
- The official list marks the VHIS provider as deregistered.
Decision sheet
5 of 14 known · 0 not published · 9 not yet checked
- What it pays and when
Benefit term: To age 100Public source · Checked:
Recorded features: VHIS standard plan listed by the Health Bureau; check the certification number and selected option.Public source · Checked:
Recorded features: The official list marks this plan as unavailable.Public source · Checked:
Recorded features: The official list marks the VHIS provider as deregistered.Public source · Checked:
- Benefit limits
- not yet checked
- Premium and payment term
Premium payment terms: Renewable / Annual premiums while this certified edition remains in force, with renewal to age 100.Public source · Checked:
- How premiums can change
- not yet checked
- Guaranteed / non-guaranteed
- not yet checked
- Waiting periods
- not yet checked
- Main exclusions
Published key exclusions (not exhaustive): Examples include non-medically necessary treatment and diagnostic-only confinement, subject to the document’s exceptions.Public source · Checked:
Published key exclusions (not exhaustive): This is not the full exclusion list.Public source · Checked:
- Surrender / cancellation
- not yet checked
- Cooling-off
- not yet checked
- Riders
- not yet checked
- Claims steps
- not yet checked
- Policy servicing from abroad
- not yet checked
- Complaints and dispute routes
1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:
2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked:
3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked:
ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked:
- Deductibles / room / renewal
VHIS plan type: Standard PlanPublic source · Checked:
Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.
Questions to ask before buying
Questions to ask before buying (10)
Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.
- What benefit limits apply?
- When and how can premiums change?
- What is the waiting period for illness claims?
- What are the cancellation terms and any surrender value or charges?
- Which riders are available, and what are their costs and terms?
- What are the claim steps, documents and deadlines?
- How can I service the policy from abroad, and what restrictions apply?
- Can you provide the key facts statement and policy provisions for this product?
- What is the cooling-off period, and how do I cancel during it?
- Which benefits and values are guaranteed, and which are not?
Belongs to
Belongs to
Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.
More product information from this insurer:
Goals and audience categories described by product type
- Hong Kong health insurance: VHIS, medical, critical illness
- Students abroad
- Young professionals
- Parents and family cover
- Approaching retirement
- Grandparents and grandchildren
- Newborns
- Retirees
- Everyday savers
- Aircrew and seafarers
- Employers of domestic helpers
- Expat insurance in Hong Kong
- Freelancers and self-employed people
- Medical professionals
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Similar products from other insurers
Similar products from other insurers
HKD VHIS plans: Renewable premium term
Comparison groups
Comparison groups
All published facts
All published facts
| Field | Recorded information |
|---|---|
| Product category | VHIS medical |
| Policy currencies | HKD |
| Premium payment terms | Renewable / Annual premiums while this certified edition remains in force, with renewal to age 100. |
| Benefit term | To age 100 |
| Recorded features |
|
| VHIS plan type | Standard Plan |
| Published key exclusions (not exhaustive) |
|
| Sales status | Closed (at source date) |
Verified names follow insurer labels. Unconfirmed translations use English for navigation.
Sources & verification dates
Sources & verification dates
Checked:
- Health Bureau certified plan — S00015; plan date, currencies and availability
Source date:
- S00015 certified wording — Part 4 Renewal Provisions; physical PDF page
Source date: / Page: 16
- S00015 certified wording — Part 7 General Exclusions; physical PDF page
Source date: / Page: 28