• Worldwide full coverage Provides full coverage on a wide range of hospitalisation expenses so you wouldn’t have to worry about having too many itemised benefit limits
  
• Innovative reimbursement basis with limits reset per Disability per Policy Year You can utilise your coverage by having the limits of individual benefit items and the aggregate limits per Disability per Policy Year counted afresh for each Disability or in each Policy Year.
  
• Covers unknown Pre-existing Conditions starting from the 31st day of the first Poicy Year It also covers Congenital Condition having manifested or been diagnosed at any age attains starting from the 31st day of the first Poicy Year.
  
• Get rewards by staying healthy with your family Enjoys individual and extra no claims premium discount of up to 25%.
  

Up to 6-month premium discount Customers may enjoy a 5-month Premium Discount with annual premium payment mode within the promotion period. If customer apply FWD designated VHIS Plans for your specified relative(s) at the same time, each eligible policy will be entitled to an extra 1-month premium discount in the 1st policy year. Only applicable for successful application from 12 October 2020 to 30 November 2020 and policies must be issued on or before 31 December 2020. # Premium is calculated after 5-month premium discount for the first year premium.

Relevant information

           Please click here to download Product leaflet from the insurance company.

           Please click here to download Policy provision.

* Terms and conditions apply. Please refer to the promotional flyer, product leaflet and policy provisions for details. **vCANsurance Medical Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited, a company incorporated in Bermuda with limited liability (“FWD”).

1. Cover yourself against unknown pre-existing conditions
   
2. Fully covered* for hospitalisation and surgical fees without any sub-limits in event you need medical care
   
3. Surgical and non-surgical cancer treatment expenses are both covered
4. Ease your worries with cashless arrangements
5. Rest easy with home nursing services
6. 4 different plans, 3 geographical coverage and 4 annual deductible options
7. No-claim discount benefit
8. Claim tax deductions up to HK$8,000

* Full coverage shall mean the actual amount of eligible expenses and other expenses charged and payable subject to annual benefit limit, lifetime benefit limit, and other related conditions. The claim must be medically necessary and the cost must also be reasonable.

Offer 1: Earn up to an extra $3,000 RewardCash! Pay new policy’s premium to HSBC Life with HSBC Premier Mastercard® Credit Card* to enjoy the offer. Offer ends 30 June 2021. Offer 2: Enjoy one-year premium waiver Eligible customers can get a first year premium waiver on our prescribed HSBC VHIS Flexi Plan when applying for any selected life insurance plan with designated annual premium amount (applicable to annual payment policy only). Offer ends 31 March 2021. Offer 3: Get up to 25% off your first-year premium Apply now to enjoy one of the following offers, • Enjoy 15% off your first year premium when applying for HSBC VHIS Flexi plan upon opening a new bank account or upgrading your current HSBC bank account. Offer ends 31 March 2021. • Enjoy 10% off your first year premium when applying for HSBC VHIS Flexi plan and any HSBC qualifying deferred annuity plan together. Offer ends 31 March 2021. Moreover, family members apply HSBC VHIS Flexi plan together can enjoy 10% discount on first year premium. *Terms and conditions apply to promotions listed above. Please refer to https://www.hsbc.com.hk/vhis-flexi for details.

Relevant information

           Please click here to download Product brochure from the insurance company.

           Please click here to browse Frequently asked questions.

           Please click here to browse Policy provisions.

* Terms and conditions apply. Please refer to the product brochure and product provision on HSBC website for details.