Compare VHIS

Ward

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.7 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 5,312 /Year

5,565

First Year Premium

HKD 2,939

5,038

Bupa | 保柏

Bupa Hero VHIS Plan (Core Pro)

Ward

Global Ex-US

VHIS Flexi

15,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.7 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 5,811 /Year

5,939

First Year Premium

HKD 3,855

5,140

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Regular)

Ward

Greater China

VHIS Flexi

20,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 5,229 /Year

First Year Premium

HKD 4,497

Manulife | 宏利

Manulife Supreme VHIS Flexi Plan (Smart)

Ward

Asia

VHIS Flexi

22,800 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.5 / 10

10-year Avg. Premium

HKD 5,226 /Year

First Year Premium

HKD 4,496

Cigna Healthcare | 信諾環球

Cigna VHIS Series – Flexi Plan (Superior)

Ward

Asia

VHIS Flexi

15,000 Deductible

10Life Score

9.4

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6 / 10

10-year Avg. Premium

HKD 5,043 /Year

5,111

First Year Premium

HKD 3,864

4,546

Blue Cross | 藍十字保險

Blue Cross Love Yourself VHIS Plan

Ward

Asia

VHIS Flexi

20,000 Deductible

10Life Score

9.4

/ 10

Medical Coverage Score

9.7 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 4,638 /Year

First Year Premium

HKD 4,374

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Bronze

Ward

Greater China

VHIS Flexi

16,000 Deductible

10Life Score

9.3

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

5.2 / 10

10-year Avg. Premium

HKD 5,938 /Year

First Year Premium

HKD 5,316

Hang Seng | 恒生

Vital Care Voluntary Health Insurance Flexi Plan Bronze

Ward

Greater China

VHIS Flexi

16,000 Deductible

10Life Score

9.1

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

5.2 / 10

10-year Avg. Premium

HKD 5,938 /Year

First Year Premium

HKD 5,316

Sun Life | Sun Life 永明

WeHealth Preferred

Ward

Greater China

VHIS Flexi

20,000 Deductible

10Life Score

9.0

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

4.5 / 10

10-year Avg. Premium

HKD 4,327 /Year

First Year Premium

HKD 3,722

Bowtie | 保泰人壽

Bowtie Pink VHIS Plan

Ward

Global Ex-US

VHIS Flexi

20,000 Deductible

10Life Score

9.0

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

4.1 / 10

10-year Avg. Premium

HKD 4,285 /Year

4,477

First Year Premium

HKD 1,926

3,852

Bupa | 保柏

Bupa Hero VHIS Plan (Core)

Ward

Asia

VHIS Flexi

15,000 Deductible

10Life Score

8.5

/ 10

Medical Coverage Score

8.6 / 10

Special Feature Score

6.9 / 10

10-year Avg. Premium

HKD 5,116 /Year

First Year Premium

HKD 4,440

FWD | 富衛

vBooster Medical Plan

Ward

Asia

VHIS Flexi

16,000 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score

9.7 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

5,565

HKD

5,312

First Year Premium

5,038

HKD 2,939

Bupa | 保柏

Bupa Hero VHIS Plan (Core Pro)

Ward

Global Ex-US

VHIS Flexi

15,000 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score

9.7 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

5,939

HKD

5,811

First Year Premium

5,140

HKD 3,855

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Regular)

Ward

Greater China

VHIS Flexi

20,000 Deductible

9.5

/ 10

10Life Score

Medical Coverage Score
 9.8 / 10   
Special Feature Score
 6.6 / 10   
10-year Avg. Premium

              HKD
            
 5,229   

First Year Premium

HKD 4,497

Manulife | 宏利

Manulife Supreme VHIS Flexi Plan (Smart)

Ward

Asia

VHIS Flexi

22,800 Deductible

9.5

/ 10

10Life Score

Medical Coverage Score
 9.8 / 10   
Special Feature Score
 6.5 / 10   
10-year Avg. Premium

              HKD
            
 5,226   

First Year Premium

HKD 4,496

Cigna Healthcare | 信諾環球

Cigna VHIS Series – Flexi Plan (Superior)

Ward

Asia

VHIS Flexi

15,000 Deductible

9.4

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

6 / 10

10-year Avg. Premium

5,111

HKD

5,043

First Year Premium

4,546

HKD 3,864

Blue Cross | 藍十字保險

Blue Cross Love Yourself VHIS Plan

Ward

Asia

VHIS Flexi

20,000 Deductible

9.4

/ 10

10Life Score

Medical Coverage Score
 9.7 / 10   
Special Feature Score
 6.6 / 10   
10-year Avg. Premium

              HKD
            
 4,638   

First Year Premium

HKD 4,374

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Bronze

Ward

Greater China

VHIS Flexi

16,000 Deductible

9.3

/ 10

10Life Score

Medical Coverage Score
 9.8 / 10   
Special Feature Score
 5.2 / 10   
10-year Avg. Premium

              HKD
            
 5,938   

First Year Premium

HKD 5,316

Hang Seng | 恒生

Vital Care Voluntary Health Insurance Flexi Plan Bronze

Ward

Greater China

VHIS Flexi

16,000 Deductible

9.1

/ 10

10Life Score

Medical Coverage Score
 9.5 / 10   
Special Feature Score
 5.2 / 10   
10-year Avg. Premium

              HKD
            
 5,938   

First Year Premium

HKD 5,316

Sun Life | Sun Life 永明

WeHealth Preferred

Ward

Greater China

VHIS Flexi

20,000 Deductible

9.0

/ 10

10Life Score

Medical Coverage Score
 9.5 / 10   
Special Feature Score
 4.5 / 10   
10-year Avg. Premium

              HKD
            
 4,327   

First Year Premium

HKD 3,722

Bowtie | 保泰人壽

Bowtie Pink VHIS Plan

Ward

Global Ex-US

VHIS Flexi

20,000 Deductible

9.0

/ 10

10Life Score

Medical Coverage Score

9.5 / 10

Special Feature Score

4.1 / 10

10-year Avg. Premium

4,477

HKD

4,285

First Year Premium

3,852

HKD 1,926

Bupa | 保柏

Bupa Hero VHIS Plan (Core)

Ward

Asia

VHIS Flexi

15,000 Deductible

8.5

/ 10

10Life Score

Medical Coverage Score
 8.6 / 10   
Special Feature Score
 6.9 / 10   
10-year Avg. Premium

              HKD
            
 5,116   

First Year Premium

HKD 4,440

FWD | 富衛

vBooster Medical Plan

Ward

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.7 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 5,312 /Year

5,565

First Year Premium

HKD 2,939

5,038

Bupa | 保柏

Bupa Hero VHIS Plan (Core Pro)

Ward

Global Ex-US

VHIS Flexi

15,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.7 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 5,811 /Year

5,939

First Year Premium

HKD 3,855

5,140

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Regular)

Ward

Greater China

VHIS Flexi

20,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 5,229 /Year

First Year Premium

HKD 4,497

Manulife | 宏利

Manulife Supreme VHIS Flexi Plan (Smart)

Ward

Asia

VHIS Flexi

22,800 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.5 / 10

10-year Avg. Premium

HKD 5,226 /Year

First Year Premium

HKD 4,496

Cigna Healthcare | 信諾環球

Cigna VHIS Series – Flexi Plan (Superior)

Ward

Asia

VHIS Flexi

15,000 Deductible

10Life Score

9.4

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6 / 10

10-year Avg. Premium

HKD 5,043 /Year

5,111

First Year Premium

HKD 3,864

4,546

Blue Cross | 藍十字保險

Blue Cross Love Yourself VHIS Plan

Ward

Asia

VHIS Flexi

20,000 Deductible

10Life Score

9.4

/ 10

Medical Coverage Score

9.7 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 4,638 /Year

First Year Premium

HKD 4,374

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Bronze

Ward

Greater China

VHIS Flexi

16,000 Deductible

10Life Score

9.3

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

5.2 / 10

10-year Avg. Premium

HKD 5,938 /Year

First Year Premium

HKD 5,316

Hang Seng | 恒生

Vital Care Voluntary Health Insurance Flexi Plan Bronze

Ward

Greater China

VHIS Flexi

16,000 Deductible

10Life Score

9.1

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

5.2 / 10

10-year Avg. Premium

HKD 5,938 /Year

First Year Premium

HKD 5,316

Sun Life | Sun Life 永明

WeHealth Preferred

Ward

Greater China

VHIS Flexi

20,000 Deductible

10Life Score

9.0

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

4.5 / 10

10-year Avg. Premium

HKD 4,327 /Year

First Year Premium

HKD 3,722

Bowtie | 保泰人壽

Bowtie Pink VHIS Plan

Ward

Global Ex-US

VHIS Flexi

20,000 Deductible

10Life Score

9.0

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

4.1 / 10

10-year Avg. Premium

HKD 4,285 /Year

4,477

First Year Premium

HKD 1,926

3,852

【拒賠秘密武器】醫療費用幾貴都有保險公司埋單嗎？認識「合理及慣常」收費

Bupa | 保柏

Bupa Hero VHIS Plan (Core)

Ward

Asia

VHIS Flexi

15,000 Deductible

10Life Score

8.5

/ 10

Medical Coverage Score

8.6 / 10

Special Feature Score

6.9 / 10

10-year Avg. Premium

HKD 5,116 /Year

First Year Premium

HKD 4,440

Add More Products

自願醫保計劃是什麼？了解自願醫保計劃 vs 醫療保險的分別

2025-03-05

5min read

10Life 編輯團隊

VHIS Quick Guide

What is VHIS?

Tax Deductible

Government Certified

Guaranteed Renewal

Transparent Premium Rates

Voluntary Health Insurance Scheme ("VHIS") mainly covers the hospitalisation costs incurred by the insured. Any VHIS product must comply with the minimum requirements set by the government, and policyholders can enjoy tax deductions on the premium paid.

VHIS VS General Medical Insurance

Renewal Terms

Tax Deductibility

Government Certification

Coverage

Unknown Pre-existing Conditions

VHIS

Guaranteed renewal until age 100

Tax deductible up to HK$8,000

Certified products meet the minimum criteria set by the government

Minimum coverage and benefit amount

Cover unknown pre-existing conditions at the time of enrollment

General Medical Insurance

Varies depending on product

Not tax deductible

No government certification or review

No minimum coverage required

Wide variations among different products

VHIS Glossary

Guaranteed Renewal

VHIS offers guaranteed renewal up to the age of 100 years for policyholders without re-underwriting, irrespective of changes in health conditions after policy inception. The insurer is required to offer renewal without any benefit reductions.

Unknown Pre-existing Conditions

Conditions already existed prior to the policy application of which the insured was unaware and should be reasonably unaware. Under the VHIS Standard Plan, unknown pre-existing conditions are covered from the second year of policy issuance with 25% coverage, third year with 50% coverage, and full coverage thereafter.

Prescribed Diagnostic Imaging Tests

VHIS covers prescribed diagnostic imaging tests conducted during hospital stay or in a day case setting (subject to 30% co-insurance under Standard Plan). The types of tests covered include magnetic resonance imaging (“MRI”), computed tomography (“CT”), positron emission tomography (“PET”), PET-MRI combined and PET-CT combined.

Who needs VHIS?

Children

Children have weaker immune systems and are prone to illness, with flu and fever requiring hospitalisation. With VHIS, parents can claim private hospital expenses from the insurance company.

Singles

In the event of an injury or illness, VHIS lessens financial burden by offsetting medical expenses or paying for better medical services.

Newly Weds

Starting a family is a major life event. It is important to give your family a peace of mind and acquire adequate medical coverage when still in good health.

Whatsapp Enquiry

Frequently Ask Questions

What is the difference between VHIS "Standard Plan" and "Flexible Plan"?

The terms and benefits of the standard plan are based on the minimum requirements set by the government, and the terms and benefits of the standard plan are very similar from one insurer to another.

A "Flexi Plan" takes the basic coverage of the standard plan and further upgrades it, for example, by raising the limit of benefits or adding additional medical coverage.

How is the tax deduction for VHIS calculated?

VHIS premiums are tax deductible up to a maximum of HK$8,000 per policy. Based on the premium and marginal tax rate, the maximum tax saving per policy is HK$1,360.

What are the disadvantages of the VHIS plan?

According to 10Life data, the estimated average coverage rate of VHIS varies widely, with some standard plans at 36.9% and some flexible plans at 100%.

Which is the best insurance company for VHIS?

The terms of VHIS are complex. To make it easier for customers to compare, 10Life actuaries have taken 12 common medical scenarios to calculate the estimated coverage ratios of each product, and also to evaluate if it can protect against medical inflation.

Methodology

Which is the best insurance company for VHIS?

Methodology