Compare VHIS

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Diamond

Private

Global

VHIS Flexi

16,000 Deductible

10Life Score

9.3

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

5.7 / 10

10-year Avg. Premium

HKD 23,259 /Year

23,697

First Year Premium

HKD 17,517

21,896

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Gold

Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.3

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

5.6 / 10

10-year Avg. Premium

HKD 10,215 /Year

10,402

First Year Premium

HKD 7,487

9,359

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

9.6 / 10

Special Feature Score

7.2 / 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

9.6 / 10

Special Feature Score

7.2 / 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

9.8 / 10

Special Feature Score

3.8 / 10

10-year Avg. Premium

HKD 10,943 /Year

11,318

First Year Premium

HKD 5,638

9,396

Bupa | 保柏

Bupa Hero VHIS Plan (Deluxe)

Private

Asia

VHIS Flexi

12,000 Deductible

9.9

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

8.6 / 10

10-year Avg. Premium

9,618

HKD

9,490

First Year Premium

8,531

HKD 7,251

Bupa | 保柏

Bupa Hero VHIS Plan (Deluxe Pro)

Private

Global Ex-US

VHIS Flexi

12,000 Deductible

9.9

/ 10

10Life Score

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

              HKD
            
 10,685   

First Year Premium

HKD 9,478

FWD | 富衛

vTheOne Medical Plan (Standard Plus)

Private

Asia

VHIS Flexi

25,000 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

11,205

HKD

10,517

First Year Premium

10,157

HKD 5,926

FWD | 富衛

vTheOne Medical Plan (Premier)

Private

Global

VHIS Flexi

25,000 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

24,673

HKD

23,133

First Year Premium

23,006

HKD 13,422

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Noble)

Private

Global Ex-US

VHIS Flexi

20,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

6.5 / 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

10 / 10

Special Feature Score

6.2 / 10

10-year Avg. Premium

HKD

8,839

First Year Premium

HKD 7,731

FWD | 富衛

vTheOne Medical Plan (Standard)

Private

Asia

VHIS Flexi

25,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

7.3 / 10

10-year Avg. Premium

10,571

HKD

9,921

First Year Premium

9,582

HKD 5,590

FWD | 富衛

vTheOne Medical Plan (Superior)

Private

Global Ex-US

VHIS Flexi

25,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

7.3 / 10

10-year Avg. Premium

15,408

HKD

14,694

First Year Premium

14,225

HKD 8,299

Chubb Life | 安達人壽

Chubb VHIS - Prime Plan

Private

Global Ex-US

VHIS Flexi

25,000 Deductible

9.4

/ 10

10Life Score

 Medical Coverage Score  
 9.8 / 10   
 Special Feature Score  
 5.1 / 10   
 10-year Avg. Premium  

              HKD
            
 11,251   

First Year Premium

HKD 9,380

Hang Seng | 恒生

Bupa Global Prestige VHIS Plan

Private

Global

VHIS Flexi

12,000 Deductible

9.4

/ 10

10Life Score

 Medical Coverage Score  
 9.6 / 10   
 Special Feature Score  
 8.1 / 10   
 10-year Avg. Premium  

              HKD
            
 28,452   

First Year Premium

HKD 11,914

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Diamond

Private

Global

VHIS Flexi

16,000 Deductible

9.3

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

5.7 / 10

10-year Avg. Premium

23,697

HKD

23,259

First Year Premium

21,896

HKD 17,517

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Gold

Private

Asia

VHIS Flexi

16,000 Deductible

9.3

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

5.6 / 10

10-year Avg. Premium

10,402

HKD

10,215

First Year Premium

9,359

HKD 7,487

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  
 9.6 / 10   
 Special Feature Score  
 7.2 / 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  
 9.6 / 10   
 Special Feature Score  
 7.2 / 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

9.8 / 10

Special Feature Score

3.8 / 10

10-year Avg. Premium

11,318

HKD

10,943

First Year Premium

9,396

HKD 5,638

Bupa | 保柏

Bupa Hero VHIS Plan (Deluxe)

Private

Asia

VHIS Flexi

12,000 Deductible

10Life Score

9.9

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8.6 / 10

10-year Avg. Premium

HKD 9,490 /Year

9,618

First Year Premium

HKD 7,251

8,531

Bupa | 保柏

Bupa Hero VHIS Plan (Deluxe Pro)

Private

Global Ex-US

VHIS Flexi

12,000 Deductible

10Life Score

9.9

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8.6 / 10

10-year Avg. Premium

HKD 10,685 /Year

First Year Premium

HKD 9,478

FWD | 富衛

vTheOne Medical Plan (Standard Plus)

Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

HKD 10,517 /Year

11,205

First Year Premium

HKD 5,926

10,157

FWD | 富衛

vTheOne Medical Plan (Premier)

Private

Global

VHIS Flexi

25,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

HKD 23,133 /Year

24,673

First Year Premium

HKD 13,422

23,006

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

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.5 / 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

10 / 10

Special Feature Score

6.2 / 10

10-year Avg. Premium

HKD 8,839 /Year

First Year Premium

HKD 7,731

FWD | 富衛

vTheOne Medical Plan (Standard)

Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.3 / 10

10-year Avg. Premium

HKD 9,921 /Year

10,571

First Year Premium

HKD 5,590

9,582

FWD | 富衛

vTheOne Medical Plan (Superior)

Private

Global Ex-US

VHIS Flexi

25,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.3 / 10

10-year Avg. Premium

HKD 14,694 /Year

15,408

First Year Premium

HKD 8,299

14,225

Chubb Life | 安達人壽

Chubb VHIS - Prime Plan

Private

Global Ex-US

VHIS Flexi

25,000 Deductible

10Life Score

9.4

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

5.1 / 10

10-year Avg. Premium

HKD 11,251 /Year

First Year Premium

HKD 9,380

Hang Seng | 恒生

Bupa Global Prestige VHIS Plan

Private

Global

VHIS Flexi

12,000 Deductible

10Life Score

9.4

/ 10

Medical Coverage Score

9.6 / 10

Special Feature Score

8.1 / 10

10-year Avg. Premium

HKD 28,452 /Year

First Year Premium

HKD 11,914

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Diamond

Private

Global

VHIS Flexi

16,000 Deductible

10Life Score

9.3

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

5.7 / 10

10-year Avg. Premium

HKD 23,259 /Year

23,697

First Year Premium

HKD 17,517

21,896

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Gold

Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.3

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

5.6 / 10

10-year Avg. Premium

HKD 10,215 /Year

10,402

First Year Premium

HKD 7,487

9,359

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

9.6 / 10

Special Feature Score

7.2 / 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

9.6 / 10

Special Feature Score

7.2 / 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

9.8 / 10

Special Feature Score

3.8 / 10

10-year Avg. Premium

HKD 10,943 /Year

11,318

First Year Premium

HKD 5,638

9,396

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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