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Voluntary Health Insurance Scheme
Voluntary Health Insurance Scheme (VHIS) mainly covers the hospitalisation costs incurred by the insured. The VHIS policyholder can enjoy tax deductions on the premium paid. The VHIS Standard plan is based on the minimum standards prescribed by the government such that products across insurance companies have almost the same terms. The VHIS Flexi plan is built upon the Standard plan by providing higher coverage through higher benefit limits or adding supplementary major medical. Similar to the product structure of mass market medical insurance, most VHIS plans have coverage limits on certain cost categories. VHIS is annually renewable with premium based on the age of the insured, and claims are on a reimbursement basis. We compare products based on the estimated coverage ratios under various medical scenarios, where the medical expenses are adjusted according to the room type (e.g. ward, semi-private) admitted at a Hong Kong private hospital.
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VHIS
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Room Type
Average Annual Premium (Next 10 Years) HKD
0-50,000
Deductible (HKD)
The amount policyholder pays for covered health services before medical insurance plan starts to pay. This helps reduce the price of medical insurance.
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FWD | vCANsurance Medical Plan (Superior)
Semi-PrivateVHIS Flexi$0 Deductible
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $9,149 $5,337# (male age 35)
Avg. Premium : $10,245 (male age 35-44)
Quote Now
Bupa | Bupa Hero VHIS Plan (Advance)
Semi-PrivateVHIS Flexi$0 Deductible
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Updated
Estimated Average Coverage : 99.9%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $11,254 $7,878* (male age 35)
Avg. Premium : $13,502 (male age 35-44)
Product Website
Quote Now
FWD | vPrime Medical Plan
Semi-PrivateVHIS Flexi$0 Deductible
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 99.9%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $12,189 $7,110# (male age 35)
Avg. Premium : $13,084 (male age 35-44)
Quote Now
AXA | AXA WiseGuard Pro Medical Insurance Plan (Enhance)
Semi-PrivateVHIS Flexi$0 Deductible
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 99.9%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $12,275 (male age 35)
Avg. Premium : $13,390 (male age 35-44)
Action Now
HSBC Life | HSBC Voluntary Health Insurance Flexi Plan Silver
Semi-PrivateVHIS Flexi$0 Deductible
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 99.9%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $13,474 (male age 35)
Avg. Premium : $15,025 (male age 35-44)
Learn more
Manulife | Manulife Supreme VHIS Flexi Plan
Semi-PrivateVHIS Flexi$0 Deductible
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 99.9%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $14,151 (male age 35)
Avg. Premium : $15,806 (male age 35-44)
AIA | AIA Voluntary Health Insurance Prime Scheme
Semi-PrivateVHIS Flexi$0 Deductible
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 99.6%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $12,960 (male age 35)
Avg. Premium : $13,912 (male age 35-44)
Zurich | HealthFlexi Plus Voluntary Health Insurance Plan
Semi-PrivateVHIS Flexi$0 DeductibleAsia
9.9/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 98.7%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $10,632 (male age 35)
Avg. Premium : $13,201 (male age 35-44)
Liberty Insurance | VHIS Series – Flexi Plan (Premium)
Semi-PrivateVHIS Flexi$0 Deductible
9.8/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 98.4%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $11,292 (male age 35)
Avg. Premium : $13,015 (male age 35-44)
Prudential | PRUHealth VHIS VIP Plan
Semi-PrivateVHIS Flexi$0 Deductible
9.8/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 98.3%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $15,702 (male age 35)
Avg. Premium : $17,488 (male age 35-44)
Voluntary Health Insurance Scheme
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
FWD | vCANsurance Medical Plan (Superior)
Semi-PrivateVHIS Flexi$0 Deductible
Estimated Average Coverage : 100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $9,149 $5,337# (male age 35)
Avg. Premium : $10,245 (male age 35-44)
Quote Now
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Updated
Bupa | Bupa Hero VHIS Plan (Advance)
Semi-PrivateVHIS Flexi$0 Deductible
Estimated Average Coverage : 99.9%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $11,254 $7,878* (male age 35)
Avg. Premium : $13,502 (male age 35-44)
Quote Now
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
FWD | vPrime Medical Plan
Semi-PrivateVHIS Flexi$0 Deductible
Estimated Average Coverage : 99.9%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $12,189 $7,110# (male age 35)
Avg. Premium : $13,084 (male age 35-44)
Quote Now
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
AXA | AXA WiseGuard Pro Medical Insurance Plan (Enhance)
Semi-PrivateVHIS Flexi$0 Deductible
Estimated Average Coverage : 99.9%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $12,275 (male age 35)
Avg. Premium : $13,390 (male age 35-44)
Action Now
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
HSBC Life | HSBC Voluntary Health Insurance Flexi Plan Silver
Semi-PrivateVHIS Flexi$0 Deductible
Estimated Average Coverage : 99.9%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $13,474 (male age 35)
Avg. Premium : $15,025 (male age 35-44)
Learn more
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Manulife | Manulife Supreme VHIS Flexi Plan
Semi-PrivateVHIS Flexi$0 Deductible
Estimated Average Coverage : 99.9%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $14,151 (male age 35)
Avg. Premium : $15,806 (male age 35-44)
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
AIA | AIA Voluntary Health Insurance Prime Scheme
Semi-PrivateVHIS Flexi$0 Deductible
Estimated Average Coverage : 99.6%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $12,960 (male age 35)
Avg. Premium : $13,912 (male age 35-44)
9.9/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Zurich | HealthFlexi Plus Voluntary Health Insurance Plan
Semi-PrivateVHIS Flexi$0 DeductibleAsia
Estimated Average Coverage : 98.7%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $10,632 (male age 35)
Avg. Premium : $13,201 (male age 35-44)
9.8/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Liberty Insurance | VHIS Series – Flexi Plan (Premium)
Semi-PrivateVHIS Flexi$0 Deductible
Estimated Average Coverage : 98.4%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $11,292 (male age 35)
Avg. Premium : $13,015 (male age 35-44)
9.8/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Prudential | PRUHealth VHIS VIP Plan
Semi-PrivateVHIS Flexi$0 Deductible
Estimated Average Coverage : 98.3%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $15,702 (male age 35)
Avg. Premium : $17,488 (male age 35-44)
Further Readings
VHIS Frequently Asked Questions
What are the requirements of VHIS products?
VHIS products are certified by the Food and Health Bureau (FHB) to comply with the minimum requirements as follows:
  • Policy Terms and Conditions
  • Benefit Coverage and Limits
  • Premium Transparency and Cooling-off Period of 21 Days
  • No lifetime benefit limit (except for some flexi plans)
  • Covers Unknown Pre-existing Conditions
  • Covers Treatment of Congenital Conditions
  • Covers Day Case Procedures
  • Covers Prescribed Diagnostic Imaging Tests
  • Covers Prescribed Non-surgical Cancer Treatments
  • Covers Psychiatric Treatments

Please click here for details (Chinese Version Only)
What is the difference between VHIS and traditional medical insurance?
VHIS is actually a medical insurance product having similar benefit structures as traditional mass medical insurance. The major difference is that VHIS products must be certified by the government to comply with the minimum requirements, and the policyholder can enjoy tax deduction.
How does the tax deduction work?
Taxpayers can claim a tax allowance on the VHIS premiums for themselves and/or their dependants. The maximum allowance on each insurance policy is $8000. The actual tax deduction is calculated by multiplying the insurance premium by the marginal tax rate, with a maximum tax deduction of $1360 on each policy.
For more details please refer to this article (Chinese Version Only)
Remarks:

  1. The above premium excludes insurance levy collected by the Insurance Authority.
  2. The information on 10Life is intended for general education purpose and reference only, and does not constitute any insurance, financial, investment or other professional purchase advice or solicitation to buy insurance, financial or investment products. 10Life Product Ratings and Scores are mathematical calculations based on public product information and assumptions for generic customer segments. The Product Ratings and Scores DO NOT reflect YOUR personal needs. 10Life hereby excludes any liability arising from using the information and will not make warranty or guarantee on the accuracy, completeness and timeliness of the information or for any claims and / or losses caused thereby. You should seek independent professional advice and review the insurance product information carefully before purchasing any insurance products. The information shown in the communications placed on 10Life does not constitute an offer or solicitation for the purchase or sale of any banking or insurance products or services.

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