You can find the name and coverage level of your existing policy through the following channels:

1. Check your original policy document.
2. Log in to the insurer's online customer platform or mobile app.
3. Contact your insurance agent or financial advisor directly.
4. Call the insurer's customer service hotline.

The calculator displays an estimated amount based on the "standard premium table" without considering any personalized factors. Higher renewal premiums may stem from pre-existing conditions or extra coverage.

Yes. Here are some methods to reduce your premium:

1. Increase your deductible (excess): Opting for a higher deductible can significantly lower your premium.
2. Remove optional riders: Review and remove any non-essential supplementary coverage.
3. Switch plans: Consider changing to a different plan tier within the same insurer, or explore switching to another insurance provider.

Before making any changes, we recommend consulting your insurer or financial advisor to understand how these adjustments may impact your overall coverage."

Insurance premiums won't be adjusted individually based on one's claim history. Premium hikes mainly stem from two factors.

1. Aging: Premiums increase annually according to the "premium age schedule" as you grow older.
2. Medical Inflation:  Insurers uniformly adjust the premium rates of the entire plan based on the claims amounts of all insured members and the rising medical costs.

Hong Kong's VHIS is regulated by the Health Bureau, yet authorities don't regulate product premiums. Insurers set prices based on actuarial data, expected claims costs, and operating expenses. Moreover, insurers must disclose premium tables for consumer comparison.

Due to the large number of products on the market, our calculator currently covers VHIS products from mainstream insurance companies, including some shelved plans. Our team is working hard to continuously gather information and provide regular updates. Please stay tuned for our latest news.