• Annual benefit limit up to HK$38.8 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.
• 4 deductible options to suit your budget
• Hospital Cash and Compulsory Quarantine Cash 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$38.8M regardless of claims record each year.

• Enroll with your spouse to receive a 10% off your first-year premium
• Discount available when you enroll with your children, and enjoy a 50% premium discount on their policies* until they reach the age 18.

* Not applicable to optional dental benefit

           Please click here to download product brochure

• Annual benefit limit up to HK$30 million per year Treatment expenses include lung disease, stroke & prescribed diagnostic imaging tests (e.g. MRI and CT scans) in private room in Asia, Australia and New Zealand.
• 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 or 90 days after confinement or day case procedure.
• 4 deductible options are available to further lower your premiums up to 65%
• Video consultation services with door-to-door medication. Medication delivery charge will also be waived during the special protection period.

• Enjoy 30% off for single enrolment in Feb From 1 February 2021 to 28 February 2021 (both dates inclusive), Enjoy 30% off for Single Enrolment, and welcome discount up to 53% off for family members who enrol together, using annual payment mode. For 2 family members who enrol together, they can firstly enjoy 10% family discount, and an extra 40% discount will be subsequently applied to the discounted premium; For 3 or more family members who enrol together, they can firstly enjoy 15% family discount, and an extra 45% discount will be subsequently applied to the discounted premium.
• 30% off for one Enjoy 30% off welcome offer for one person's enrolment.

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

           Please click here to download the product brochure from the insurance company.

           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: 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 30 June 2021. Offer 2: 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 March 2021. Offer 3: Get up to 25% off your first-year premium Apply now to enjoy one of the following offers, • Enjoy 15% off your first year premium when applying for HSBC VHIS Flexi plan upon opening a new bank account or upgrading your current HSBC bank account. Offer ends 31 March 2021. • Enjoy 10% off your first year premium when applying for HSBC VHIS Flexi plan and any HSBC qualifying deferred annuity plan together. Offer ends 31 March 2021. Moreover, family members apply HSBC VHIS Flexi plan together can enjoy 10% discount on first year premium. *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 Feb 2021 to 28 Feb 2021, once you successfully apply for any new designated basic plan / supplement¹ and satisfy other applicable requirements², you may enjoy 5 months’ premium refund^{3, 4, 5}!

           Please click here to browse Promotional webpage from the insurance company.

           Please click here to browse Product webpage from the insurance company.

1. For product details of the designated basic plans and / or supplements (if applicable), please refer to the relevant proposals, product brochures and policy contracts.
2. The Premium Refund of this Promotion is only applicable if the following requirements are satisfied: a. Customers successfully submit the applications for basic plan / supplement of the designated health and protection products (“Designated Health and Protection Products”) during the Promotion Period; b. Such basic plan / supplement must be successfully issued / have its effective date commenced during the period from 1 Feb 2021 to 31 Mar 2021, both dates inclusive; and c. Annual payment mode must be selected for such basic plan / supplement. (The Designated Health and Production Products satisfying clause 2 above is hereinafter referred to as "Eligible Basic Plan/Eligible Supplement")
3. Each Eligible Basic Plan / Eligible Supplement may be entitled to a one-off 5 months’ premium refund on future premium(s), the amount of which is equivalent to 41.66% of the AFYP of the relevant Eligible Basic Plan / Eligible Supplement (“Premium Refund”) on and in accordance with following conditions: a. The amount of Premium Refund will be applied to the premium payments of the third policy year or onwards as AXA deems appropriate; b. The AFYP is determined based on the benefit level of the policy as at the time the premium is refunded; c. If you have changed the benefit level of the Eligible Basic Plan / Eligible Supplement after policy issuance, the AFYP applied will not be equivalent to the actual amount of total premiums you paid for the first policy year. AFYP will be re-calculated based on the benefit level of Eligible Basic Plan / Eligible Supplement as at the time of premium refund; d. The amount of AFYP is calculated by adding the standard premium and premium loading imposed due to underwriting (if any) of the policy. Levy will not be included in the calculation; e. The calculation of AFYP and Premium Refund shall be rounded up to the nearest 2 decimal places according to the policy currency (based on the AXA’s conversion table, if applicable) of the Eligible Basic Plan / Eligible Supplement; and Conversion Table – Exchange rate of foreign currencies against HKD (USD1 = HKD8.0); f. The Eligible Basic Plan / Eligible Supplement must be in force at the time of the premium is refunded and all premiums due since policy effective date must be fully paid, failing which you will not be entitled. If Eligible Basic Plan / Eligible Supplement shall terminate for whatever reasons before the premium refund is fully applied on the policy, any portion of such premium refund not yet applied and / or the respective reward will be forfeited.
4. The Premium Refund will not be applicable to customers who has purchased the designated basic plan / supplement before the Promotion Period but subsequently cancelled such basic plan / supplement during its cooling off period and then re-applied for the same designated basic plan / supplement during the Promotion Period.
5. For details, please refer to the relevant terms and conditions stated in the promotion leaflet. Note: The premium refund(s) under the Promotion will form part of the relevant policy contract(s) upon the respective basic plan(s) and / or the supplement(s) (if applicable) being issued, and the requirements of the relevant premium refund(s) under the terms and conditions of the Promotion having been fulfilled.