Compare VHIS

Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.9

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

9.6 / 10

10-year Avg. Premium

HKD 12,662 /Year

First Year Premium

HKD 11,478

Bupa | 保柏

Bupa Hero VHIS Plan (Deluxe)

Private

Asia

VHIS Flexi

12,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8.4 / 10

10-year Avg. Premium

HKD 10,956 /Year

11,205

First Year Premium

HKD 7,454

9,939

Bupa | 保柏

Bupa Hero VHIS Plan (Deluxe Pro)

Private

Global Ex-US

VHIS Flexi

12,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8.4 / 10

10-year Avg. Premium

HKD 12,448 /Year

First Year Premium

HKD 11,042

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Noble)

Private

Global Ex-US

VHIS Flexi

20,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

7.2 / 10

10-year Avg. Premium

HKD 12,042 /Year

First Year Premium

HKD 10,695

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Premier)

Private

Asia

VHIS Flexi

20,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 9,196 /Year

First Year Premium

HKD 8,002

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Gold

Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 10,402 /Year

First Year Premium

HKD 9,359

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Platinum

Private

Global Ex-US

VHIS Flexi

16,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 11,755 /Year

First Year Premium

HKD 10,576

FWD | 富衛

vTheOne Medical Plan (Standard)

Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

8.6 / 10

10-year Avg. Premium

HKD 11,946 /Year

First Year Premium

HKD 10,828

FWD | 富衛

vTheOne Medical Plan (Superior)

Private

Global Ex-US

VHIS Flexi

25,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

8.6 / 10

10-year Avg. Premium

HKD 17,412 /Year

First Year Premium

HKD 16,075

Hang Seng | 恒生

Vital Care Voluntary Health Insurance Flexi Plan Gold

Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.4

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 10,402 /Year

First Year Premium

HKD 9,359

Product Website

Chubb Life | 安達人壽

Chubb VHIS - Prime Plan

Private

Global Ex-US

VHIS Flexi

25,000 Deductible

10Life Score

9.3

/ 10

Medical Coverage Score

9.7 / 10

Special Feature Score

5.9 / 10

10-year Avg. Premium

HKD 11,251 /Year

First Year Premium

HKD 9,380

BOCG Insurance | 中銀集團保險

SmartViva Flexi VHIS

Private

Global Ex-US

VHIS Flexi

30,000 Deductible

10Life Score

9.3

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

7.6 / 10

10-year Avg. Premium

HKD 7,501 /Year

First Year Premium

HKD 6,673

BOCG Insurance | 中銀集團保險

SmartViva Flexi VHIS

Private

Global Ex-US

VHIS Flexi

10,000 Deductible

10Life Score

9.3

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

7.6 / 10

10-year Avg. Premium

HKD 8,959 /Year

First Year Premium

HKD 7,995

Bowtie | 保泰人壽

Bowtie Pink VHIS Plan

Private

Global Ex-US

VHIS Flexi

20,000 Deductible

10Life Score

9.2

/ 10

Medical Coverage Score

9.7 / 10

Special Feature Score

4.1 / 10

10-year Avg. Premium

HKD 11,948 /Year

First Year Premium

HKD 9,924

FWD | 富衛

vTheOne Medical Plan (Standard Plus)

Private

Asia

VHIS Flexi

25,000 Deductible

9.9

/ 10

10Life Score

Medical Coverage Score
 9.9 / 10   
Special Feature Score
 9.6 / 10   
10-year Avg. Premium

              HKD
            
 12,662   

First Year Premium

HKD 11,478

Bupa | 保柏

Bupa Hero VHIS Plan (Deluxe)

Private

Asia

VHIS Flexi

12,000 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

8.4 / 10

10-year Avg. Premium

11,205

HKD

10,956

First Year Premium

9,939

HKD 7,454

Bupa | 保柏

Bupa Hero VHIS Plan (Deluxe Pro)

Private

Global Ex-US

VHIS Flexi

12,000 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score
 10 / 10   
Special Feature Score
 8.4 / 10   
10-year Avg. Premium

              HKD
            
 12,448   

First Year Premium

HKD 11,042

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Noble)

Private

Global Ex-US

VHIS Flexi

20,000 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score

9.9 / 10

Special Feature Score

7.2 / 10

10-year Avg. Premium

HKD

12,042

First Year Premium

HKD 10,695

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Premier)

Private

Asia

VHIS Flexi

20,000 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score

9.9 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD

9,196

First Year Premium

HKD 8,002

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Gold

Private

Asia

VHIS Flexi

16,000 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score
 9.9 / 10   
Special Feature Score
 6.6 / 10   
10-year Avg. Premium

              HKD
            
 10,402   

First Year Premium

HKD 9,359

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Platinum

Private

Global Ex-US

VHIS Flexi

16,000 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score
 9.9 / 10   
Special Feature Score
 6.6 / 10   
10-year Avg. Premium

              HKD
            
 11,755   

First Year Premium

HKD 10,576

FWD | 富衛

vTheOne Medical Plan (Standard)

Private

Asia

VHIS Flexi

25,000 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score
 9.9 / 10   
Special Feature Score
 8.6 / 10   
10-year Avg. Premium

              HKD
            
 11,946   

First Year Premium

HKD 10,828

FWD | 富衛

vTheOne Medical Plan (Superior)

Private

Global Ex-US

VHIS Flexi

25,000 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score
 9.9 / 10   
Special Feature Score
 8.6 / 10   
10-year Avg. Premium

              HKD
            
 17,412   

First Year Premium

HKD 16,075

Hang Seng | 恒生

Vital Care Voluntary Health Insurance Flexi Plan Gold

Private

Asia

VHIS Flexi

16,000 Deductible

9.4

/ 10

10Life Score

Medical Coverage Score
 9.8 / 10   
Special Feature Score
 6.6 / 10   
10-year Avg. Premium

              HKD
            
 10,402   

First Year Premium

HKD 9,359

Product Website

Chubb Life | 安達人壽

Chubb VHIS - Prime Plan

Private

Global Ex-US

VHIS Flexi

25,000 Deductible

9.3

/ 10

10Life Score

Medical Coverage Score
 9.7 / 10   
Special Feature Score
 5.9 / 10   
10-year Avg. Premium

              HKD
            
 11,251   

First Year Premium

HKD 9,380

BOCG Insurance | 中銀集團保險

SmartViva Flexi VHIS

Private

Global Ex-US

VHIS Flexi

30,000 Deductible

9.3

/ 10

10Life Score

Medical Coverage Score
 9.5 / 10   
Special Feature Score
 7.6 / 10   
10-year Avg. Premium

              HKD
            
 7,501   

First Year Premium

HKD 6,673

BOCG Insurance | 中銀集團保險

SmartViva Flexi VHIS

Private

Global Ex-US

VHIS Flexi

10,000 Deductible

9.3

/ 10

10Life Score

Medical Coverage Score
 9.5 / 10   
Special Feature Score
 7.6 / 10   
10-year Avg. Premium

              HKD
            
 8,959   

First Year Premium

HKD 7,995

Bowtie | 保泰人壽

Bowtie Pink VHIS Plan

Private

Global Ex-US

VHIS Flexi

20,000 Deductible

9.2

/ 10

10Life Score

Medical Coverage Score
 9.7 / 10   
Special Feature Score
 4.1 / 10   
10-year Avg. Premium

              HKD
            
 11,948   

First Year Premium

HKD 9,924

FWD | 富衛

vTheOne Medical Plan (Standard Plus)

Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.9

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

9.6 / 10

10-year Avg. Premium

HKD 12,662 /Year

First Year Premium

HKD 11,478

Bupa | 保柏

Bupa Hero VHIS Plan (Deluxe)

Private

Asia

VHIS Flexi

12,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8.4 / 10

10-year Avg. Premium

HKD 10,956 /Year

11,205

First Year Premium

HKD 7,454

9,939

Bupa | 保柏

Bupa Hero VHIS Plan (Deluxe Pro)

Private

Global Ex-US

VHIS Flexi

12,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8.4 / 10

10-year Avg. Premium

HKD 12,448 /Year

First Year Premium

HKD 11,042

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Noble)

Private

Global Ex-US

VHIS Flexi

20,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

7.2 / 10

10-year Avg. Premium

HKD 12,042 /Year

First Year Premium

HKD 10,695

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Premier)

Private

Asia

VHIS Flexi

20,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 9,196 /Year

First Year Premium

HKD 8,002

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Gold

Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 10,402 /Year

First Year Premium

HKD 9,359

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Platinum

Private

Global Ex-US

VHIS Flexi

16,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 11,755 /Year

First Year Premium

HKD 10,576

FWD | 富衛

vTheOne Medical Plan (Standard)

Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

8.6 / 10

10-year Avg. Premium

HKD 11,946 /Year

First Year Premium

HKD 10,828

FWD | 富衛

vTheOne Medical Plan (Superior)

Private

Global Ex-US

VHIS Flexi

25,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

8.6 / 10

10-year Avg. Premium

HKD 17,412 /Year

First Year Premium

HKD 16,075

Hang Seng | 恒生

Vital Care Voluntary Health Insurance Flexi Plan Gold

Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.4

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 10,402 /Year

First Year Premium

HKD 9,359

Product Website

Chubb Life | 安達人壽

Chubb VHIS - Prime Plan

Private

Global Ex-US

VHIS Flexi

25,000 Deductible

10Life Score

9.3

/ 10

Medical Coverage Score

9.7 / 10

Special Feature Score

5.9 / 10

10-year Avg. Premium

HKD 11,251 /Year

First Year Premium

HKD 9,380

BOCG Insurance | 中銀集團保險

SmartViva Flexi VHIS

Private

Global Ex-US

VHIS Flexi

30,000 Deductible

10Life Score

9.3

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

7.6 / 10

10-year Avg. Premium

HKD 7,501 /Year

First Year Premium

HKD 6,673

BOCG Insurance | 中銀集團保險

SmartViva Flexi VHIS

Private

Global Ex-US

VHIS Flexi

10,000 Deductible

10Life Score

9.3

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

7.6 / 10

10-year Avg. Premium

HKD 8,959 /Year

First Year Premium

HKD 7,995

Bowtie | 保泰人壽

Bowtie Pink VHIS Plan

Private

Global Ex-US

VHIS Flexi

20,000 Deductible

10Life Score

9.2

/ 10

Medical Coverage Score

9.7 / 10

Special Feature Score

4.1 / 10

10-year Avg. Premium

HKD 11,948 /Year

First Year Premium

HKD 9,924

Add More Products

醫療健康

醫療保險

編輯推介

【醫療保險】住院vs門診點樣揀？一次了解保障重點

【醫療保險】需要買嗎？了解香港醫療保險種類及好處

2025-05-16

5min read

10Life 編輯團隊

VHIS Quick Guide

What is VHIS?

Tax Deductible

Government Certified

Guaranteed Renewal

Transparent Premium Rates

Voluntary Health Insurance Scheme ("VHIS") mainly covers the hospitalisation costs incurred by the insured. Any VHIS product must comply with the minimum requirements set by the government, and policyholders can enjoy tax deductions on the premium paid.

VHIS VS General Medical Insurance

Renewal Terms

Tax Deductibility

Government Certification

Coverage

Unknown Pre-existing Conditions

VHIS

Guaranteed renewal until age 100

Tax deductible up to HK$8,000

Certified products meet the minimum criteria set by the government

Minimum coverage and benefit amount

Cover unknown pre-existing conditions at the time of enrollment

General Medical Insurance

Varies depending on product

Not tax deductible

No government certification or review

No minimum coverage required

Wide variations among different products

VHIS Glossary

Guaranteed Renewal

VHIS offers guaranteed renewal up to the age of 100 years for policyholders without re-underwriting, irrespective of changes in health conditions after policy inception. The insurer is required to offer renewal without any benefit reductions.

Unknown Pre-existing Conditions

Conditions already existed prior to the policy application of which the insured was unaware and should be reasonably unaware. Under the VHIS Standard Plan, unknown pre-existing conditions are covered from the second year of policy issuance with 25% coverage, third year with 50% coverage, and full coverage thereafter.

Prescribed Diagnostic Imaging Tests

VHIS covers prescribed diagnostic imaging tests conducted during hospital stay or in a day case setting (subject to 30% co-insurance under Standard Plan). The types of tests covered include magnetic resonance imaging (“MRI”), computed tomography (“CT”), positron emission tomography (“PET”), PET-MRI combined and PET-CT combined.

Who needs VHIS?

Children

Children have weaker immune systems and are prone to illness, with flu and fever requiring hospitalisation. With VHIS, parents can claim private hospital expenses from the insurance company.

Singles

In the event of an injury or illness, VHIS lessens financial burden by offsetting medical expenses or paying for better medical services.

Newly Weds

Starting a family is a major life event. It is important to give your family a peace of mind and acquire adequate medical coverage when still in good health.

Whatsapp Enquiry

Frequently Ask Questions

What is the difference between VHIS "Standard Plan" and "Flexible Plan"?

The terms and benefits of the standard plan are based on the minimum requirements set by the government, and the terms and benefits of the standard plan are very similar from one insurer to another.

A "Flexi Plan" takes the basic coverage of the standard plan and further upgrades it, for example, by raising the limit of benefits or adding additional medical coverage.

How is the tax deduction for VHIS calculated?

VHIS premiums are tax deductible up to a maximum of HK$8,000 per policy. Based on the premium and marginal tax rate, the maximum tax saving per policy is HK$1,360.

What are the disadvantages of the VHIS plan?

According to 10Life data, the estimated average coverage rate of VHIS varies widely, with some standard plans at 36.9% and some flexible plans at 100%.

Which is the best insurance company for VHIS?

The terms of VHIS are complex. To make it easier for customers to compare, 10Life actuaries have taken 12 common medical scenarios to calculate the estimated coverage ratios of each product, and also to evaluate if it can protect against medical inflation.

Methodology

Which is the best insurance company for VHIS?

Methodology