Chubb VHIS - Flexi Plan

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: 14 Oct 2026Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

No lifetime benefit limit. Optional top-up has a separate annual limit by selected level and is subject to item limits.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

Premium is adjusted each year using the rate applicable to the insured at that time, generally increasing with age. The Oct 2026 schedule excludes the premium levy and has annual, half-yearly, quarterly and monthly payment factors.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

Premium rates are not guaranteed. The insurer may review and adjust them based on expected and experienced investment returns, claims, surrenders and expenses, with prior written notice.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

The brochure states guaranteed renewal to age 100 without re-underwriting due to health status or claims history; premiums are not guaranteed.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

For 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: 14 Oct 2026

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: 14 Oct 2026Public source · Checked: 14 Oct 2026

The brochure lists cancellation with 30 days prior written notice using the prescribed form. Non-payment after the grace period, death and loss of the insurer's required authorisation also terminate cover.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

Cancel by signed notice and return the policy document, if any, within 21 calendar days after delivery of the policy or availability/cooling-off notice, whichever is earlier. A non-working last day extends to the next working day. The premium levy is refunded proportionately when premiums are refunded.Public source · Checked: 14 Oct 2026

Optional top-up benefit reimburses 80% of specified eligible excess expenses, subject to item and annual limits. Annual top-up limits are HKD100,000/180,000/250,000/500,000 for Classic/Ward/Semi-private/Private respectively; room adjustment factors can reduce payment.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

Insurer claims guide · Medical / VHIS

Submit claims within 90 days after hospital discharge or completion of a non-confinement medical service, with original receipts/itemised bills and reasonably required medical evidence. Notify the insurer if the deadline cannot be met; otherwise late claims may be rejected.Public source · Checked: 14 Oct 2026

Medical / VHIS — Steps: Complete the appropriate claim form and supporting documents; eClaim is available via e-Service.Public source · Checked: 13 Oct 2026

Medical / VHIS — Submission channels: e-Service eClaim; the claims page also lists the customer service centre and consultant assistance.Public source · Checked: 13 Oct 2026

Medical / VHIS — Deadlines / notification: Form: notice generally 60 days; proof 180 days. EN trigger: diagnosis/surgery/discharge; ZH: diagnosis. Confirm your policy.Public source · Checked: 13 Oct 2026

Medical / VHIS — Payment methods: Existing premium autopay account, cheque or direct credit to the policyowner’s bank account as selected in the form.Public source · Checked: 13 Oct 2026

Medical / VHIS — Assessment / payment timing: About 5 working days to first pending notice or result; cheque preparation about 3–4 business days after approval, before delivery.Public source · Checked: 13 Oct 2026

Medical / VHIS — Required documents: Signed form I and physician form II; receipts/bills and reports per checklist for the selected medical/accident benefit.Public source · Checked: 13 Oct 2026

Medical / VHIS — Overseas claims / servicing: Mainland checklist: admission/discharge records, daily medical records and temperature sheets; see the applicable benefit column.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 13 Oct 2026

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: 13 Oct 2026

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: 13 Oct 2026

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: 13 Oct 2026

Four 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: 14 Oct 2026Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026