• Annual benefit limit up to HK$50 million. Unlimited Lifetime claims. Enjoy cashless hospitalization service for treatment in standard private rooms in up to 7,000+ hospitals in Asia or worldwide.
• Full cover for all cancer surgery expenses and treatments On top of common cancer treatment such as chemotherapy and radiotherapy, Elite also covers expenses of targeted therapy, proton therapy, and the use of gamma knife and cyberknife, and all related outpatient expenses within 30 days before or 365 days after confinement or day case procedure.
• 5 deductible options to suit your budget
• Hospital Cash and Compulsory Quarantine Cash Up to HK$2,000 per day of hospital cash and HK$2,000 per day of compulsory quarantine cash
• Guaranteed renewal and a free health check upon renewal. Annual benefit limit will reset to HK$50M regardless of claims record each year.

• 10% off first year premium, and a family of 4 can enjoy up to 35% off of the first three years' premiums* through telemarketing sales representative
• Enroll in Cigna HealthFirst Elite Medical Plan together with your children and you will enjoy 50% off their insurance premiums every year until they reach 18
• Promotion till 31 Dec 2021

*Insurance premium is calculated according to the insured persons’ age, smoking habit, plan option and deductible option. Above mentioned discount rate is calculated with an example of a family of four with both parents aged 30, and the son and daughter are aged 3 and 0 respectively. All of them are non-smokers, and they choose Cigna HealthFirst Elite Medical Plan Private Room Level, Asia coverage and a deductible level at $0. The above mentioned discount rate has included the Friends and Family Join Together Discount in the first three years.

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• Annual benefit limit up to HK$30 million per year Treatment expenses include lung disease, cirrhosis, stroke & prescribed diagnostic imaging tests (e.g. MRI and CT scans)
• Full cover for all eligible cancer surgery expenses and treatments Such as chemotherapy or targeted therapy and all related outpatient expenses within 30 days before and 90 days after confinement or day case procedure
• 4 deductible options are available to further lower your premiums up to 68%
  
• Supplementary Critical Illness Benefit cover up to 98% critical illness Including cancer, heart attack, stroke. Extra living expenses up to HK$330,000

• Enjoy 30% off for single enrolment in Sep From 1 Oct 2021 to 31 Oct 2021 (both dates inclusive), Enjoy 30% off for single enrolment and up to 70% first-year premium discount for family enrolment. For 3 or more family members who enrol together, they can firstly enjoy 15% family discount, and an extra 65% discount will be subsequently applied to the discounted premium.
• All eligible members can get Natural Vitamin E Cream & Bio C 1000+ Effervescent
• 30% off for one Enjoy 30% off welcome offer for one person's enrolment.

＃The Eligible Scheme must come into effect on 1 Nov 2021 with annual premium payment paid. * Premium is calculated after 30% welcome discount for the first year premium.

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           Please click here for the policy provision.

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: 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 Oct 2021. Offer 2: Enjoy 15% off your first year premium if you apply together with our Qualifying Deferred Annuity Plans (QDAP), with an extra 10% off for family applications! Offer ends 31 Oct 2021. T&Cs apply. Offer 3: 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 31 Dec 2021. T&Cs apply. *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.

• Full cover for hospitalisation and surgical benefits^
• Full cover for prescribed non-surgical cancer treatments and outpatient kidney dialysis
• No waiting period for unknown pre-existing conditions
• No claim discount up to 15%
• Free second medical opinion

^Full cover shall mean the actual amount of eligible expenses charged after deducting the remaining deductible (if any), and is subject to the annual benefit limit, lifetime benefit limit and other conditions. Psychiatric treatments and medical implants are excluded from full cover benefit. Further details of the terms, conditions, exclusions and limitations are provided in the policy contract.

• From 1 October 2021 to 31 December 2021, once you successfully apply for any new designated basic plan / supplement¹ and satisfy other applicable requirements², you may enjoy up to 6 months’ premium refund^{3, 4, 5, 6, 7, 8}!

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