VHIS Premium Calculator: Instantly View Year-by-Year Premium Increases

Calculate the VHIS premium increase rate now

The above data updated to Nov 2025 and for reference only. Actual premiums may vary based on underwriting results, riders, co-payments, or discounts. Please subject to insurer and VHIS official information. The premium for the Bupa Hero VHIS Plan calculated herein is the standard premium for applications made before the age of 60.

Disclaimer

The above information is for reference only, based on input data & assumptions. It doesn't consider your personal needs and is not a substitute for professional advice. Before insuring, assess your risk tolerance and financial status, consult a licensed advisor. Do not rely solely on this information to make insurance decisions.

Smart ways to deal with premium increases for VHIS

Adjust the Deductible

The deductible is what you pay before making claims. A higher deductible means lower premiums, maintaining high coverage affordably and enhancing financial flexibility.

Establishing Medical Insurance Reserves

Take initiative to build personal "medical savings," eg: use savings insurance or other investments vehicles, to counter medical inflation with returns.

Switch to other insurance policy

Regularly review the market for cost-effective plans. Switching may lower premiums while maintaining or improving coverage. However, re-underwriting may exclude pre-existing conditions, reset waiting periods, and create a protection gap during the transition — plan carefully!

Frequently Asked Questions

What if I don’t know my current medical plan details?

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

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

Why is my actual renewal premium higher than that shown here?

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.

Can I reduce my premium?

Yes. Here are some methods to reduce your premium:

Increase your deductible (excess): Opting for a higher deductible can significantly lower your premium.
Remove optional riders: Review and remove any non-essential supplementary coverage.
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."

Does claims history affect the medical insurance premiums?

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

Aging: Premiums increase annually according to the "premium age schedule" as you grow older.
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.

Does government has any control on VHIS premium?

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.

Why can't I find my product in the "VHIS Premium Increase Calculator"?

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.