• Coverage up to HK$30,000,000 per year
• 5 deductible options enable your premium to deliver more bang for the buck
• No sub-limit for each benefit item, and no lifetime limit
• Tax deductions up to HK$8,000 per year per insured person
• Cashless Hospitalization

• Limited time offer - Enroll now to enjoy up to 6-month premium refund*
  Eligible Plans include plans of HK$15,000, HK$25,000, HK$50,000 or HK$75,000 deductible (i.e. plans with HK$0 deductible are excepted) under the following plans.
• Promotion till 30 Sep 2022

Relevant Information

           Please click here for the Product leaflet from the insurance company

           Please click here for the Policy provision

1. Get full medical coverage immediately*, including those arising from unknown pre-existing conditions^†
   
2. Ease your worries about any upfront out-of-pocket medical expenses in Hong Kong with cashless arrangements**
   
3. Choose from 4 different plans, 3 geographical coverage and 4 annual deductible options
   
4. Claim a maximum annual tax deduction^## of HKD8,000 for each insured person. For more details, please refer to www.ird.gov.hk

* Full coverage shall mean the actual amount of Eligible Expenses and other expenses charged and payable in accordance to the Terms and Benefits of this policy.

^† Pre-existing condition(s) shall mean, in respect of the insured person, any sickness, disease, injury, physical, mental or medical condition or physiological degradation, including congenital condition, that has existed prior to the policy issuance date or the policy effective date, whichever is earlier. Unknown pre-existing condition(s) refers to any pre-existing condition(s) that the policy holder and/or insured person was not aware and would not reasonably have been aware of at the time of application. Application is subject to HSBC Life. Please refer to the policy provisions for the full terms and conditions.

** Pre-authorization is required for cashless arrangements. The final decision of the pre-authorisation application or direct billing approval is subject to the discretion of the HSBC Life.

^##Tax deduction eligibility is only applicable to policyholders or his/her spouse who are Hong Kong taxpayers. Tax deduction for the qualifying premiums paid under VHIS policy (not including levy) will be based on the premiums paid after deducting the premium discount (if any). For more information, please refer to www.ird.gov.hk

Apply online with promo code ’IN50SU' to enjoy 50% off your first year premium and an additional 10% off when you apply with your family members. 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.

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

# Premium is calculated after 50% discount on first year premium.