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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.
We found Voluntary Health Insurance Scheme product(s) matching your selected filters.
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FWD | 富衛
vCANsurance Medical Plan (Superior)
Product Details
Semi-PrivateVHIS Flexi$0 Deductible
10.0/10100.0%$9,149$5,337#$10,245
10Life Rating
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
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
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Quote Now
Updated
Cigna | 信諾
Cigna VHIS Series – Flexi Plan (Superior) 1
Product Details
Semi-PrivateVHIS Flexi$0 Deductible
10.0/10100.0%$9,728$8,269#$11,152
10Life Rating
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
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
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Product Website
Quote Now
New
Blue Cross | 藍十字保險
Dynasty VHIS Plan
Product Details
Semi-PrivateVHIS Flexi$0 DeductibleAsia
10.0/10100.0%$10,834$12,190
10Life Rating
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
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
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
New
AIA | 友邦
AIA Voluntary Health Insurance Privilege Plus Scheme
Product Details
Semi-PrivateVHIS Flexi$0 Deductible
10.0/10100.0%$15,448$16,592
10Life Rating
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
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
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
New
Blue Cross | 藍十字保險
Dynasty VHIS Plan
Product Details
Semi-PrivateVHIS Flexi$0 DeductibleGlobal
10.0/10100.0%$17,569$19,768
10Life Rating
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
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
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Bupa | 保柏
Bupa Hero VHIS Plan (Advance)
Product Details
Semi-PrivateVHIS Flexi$0 Deductible
10.0/1099.9%$11,254$7,878*$13,502
10Life Rating
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
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
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Product Website
Quote Now
FWD | 富衛
vPrime Medical Plan
Product Details
Semi-PrivateVHIS Flexi$0 Deductible
10.0/1099.9%$12,189$7,110#$13,084
10Life Rating
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
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
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Quote Now
AXA | 安盛
AXA WiseGuard Pro Medical Insurance Plan (Enhance)
Product Details
Semi-PrivateVHIS Flexi$0 Deductible
10.0/1099.9%$12,275$13,390
10Life Rating
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
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
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Action Now
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Silver
Product Details
Semi-PrivateVHIS Flexi$0 Deductible
10.0/1099.9%$13,474$15,025
10Life Rating
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
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
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Learn more
Manulife | 宏利
Manulife Supreme VHIS Flexi Plan
Product Details
Semi-PrivateVHIS Flexi$0 Deductible
10.0/1099.9%$14,151$15,806
10Life Rating
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
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
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Voluntary Health Insurance Scheme
We found Voluntary Health Insurance Scheme product(s) matching your selected filters.
FWD | 富衛
vCANsurance Medical Plan (Superior)
Semi-PrivateVHIS Flexi$0 Deductible
10Life Rating : 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#
Age 35 male
Avg. Premium : $10,245
Average premium for male age 35 to 44
Quote Now
Updated
Cigna | 信諾
Cigna VHIS Series – Flexi Plan (Superior) 1
Semi-PrivateVHIS Flexi$0 Deductible
10Life Rating : 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 : $9,728$8,269#
Age 35 male
Avg. Premium : $11,152
Average premium for male age 35 to 44
Quote Now
New
Blue Cross | 藍十字保險
Dynasty VHIS Plan
Semi-PrivateVHIS Flexi$0 DeductibleAsia
10Life Rating : 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 : $10,834
Age 35 male
Avg. Premium : $12,190
Average premium for male age 35 to 44
New
AIA | 友邦
AIA Voluntary Health Insurance Privilege Plus Scheme
Semi-PrivateVHIS Flexi$0 Deductible
10Life Rating : 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 : $15,448
Age 35 male
Avg. Premium : $16,592
Average premium for male age 35 to 44
New
Blue Cross | 藍十字保險
Dynasty VHIS Plan
Semi-PrivateVHIS Flexi$0 DeductibleGlobal
10Life Rating : 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 : $17,569
Age 35 male
Avg. Premium : $19,768
Average premium for male age 35 to 44
Bupa | 保柏
Bupa Hero VHIS Plan (Advance)
Semi-PrivateVHIS Flexi$0 Deductible
10Life Rating : 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 : $11,254$7,878*
Age 35 male
Avg. Premium : $13,502
Average premium for male age 35 to 44
Quote Now
FWD | 富衛
vPrime Medical Plan
Semi-PrivateVHIS Flexi$0 Deductible
10Life Rating : 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#
Age 35 male
Avg. Premium : $13,084
Average premium for male age 35 to 44
Quote Now
AXA | 安盛
AXA WiseGuard Pro Medical Insurance Plan (Enhance)
Semi-PrivateVHIS Flexi$0 Deductible
10Life Rating : 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
Age 35 male
Avg. Premium : $13,390
Average premium for male age 35 to 44
Action Now
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Silver
Semi-PrivateVHIS Flexi$0 Deductible
10Life Rating : 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
Age 35 male
Avg. Premium : $15,025
Average premium for male age 35 to 44
Learn more
Manulife | 宏利
Manulife Supreme VHIS Flexi Plan
Semi-PrivateVHIS Flexi$0 Deductible
10Life Rating : 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
Age 35 male
Avg. Premium : $15,806
Average premium for male age 35 to 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.
  3. 10Life Insurance Product Ratings are based on facts and data, and are not be influenced by any partnerships with insurance companies.

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