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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 (Standard)
Product Details
WardVHIS Flexi$0 DeductibleGlobal
10.0/10100.0%$5,113$2,983#$5,401
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 (Regular)
Product Details
WardVHIS Flexi$0 DeductibleGreater China
10.0/1099.6%$8,324$9,597
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 Bronze
Product Details
WardVHIS Flexi$0 DeductibleGreater China
10.0/1099.6%$9,172$10,784
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
Bowtie | 保泰人壽
Bowtie VHIS Flexi - Regular + Cancer Fighter 100
Product Details
WardVHIS Flexi$0 DeductibleGlobal
9.2/1091.5%$3,588$2,926#$4,429
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
vCare Supreme Medical Plan
Product Details
WardVHIS Flexi$0 DeductibleGlobal
9.1/1090.7%$4,104$4,680
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
Cigna | 信諾
Cigna VHIS Series – Flexi Plan (SMM)
Product Details
WardVHIS Flexi$0 DeductibleGlobal
9.1/1090.5%$4,716$2,830#$5,207
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
FTLife | 富通
“TopCare” Medical Insurance Plan (Benefit Level 2 with Major Medical Benefit)
Product Details
WardVHIS Flexi$0 DeductibleGlobal
8.7/1087.5%$5,577$6,282
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
FTLife | 富通
“TopCare” Medical Insurance Plan (Benefit Level 1 with Major Medical Benefit)
Product Details
WardVHIS Flexi$0 DeductibleGlobal
8.6/1086.3%$4,614$5,255
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
Bowtie | 保泰人壽
Bowtie VHIS Flexi - Regular
Product Details
WardVHIS Flexi$0 DeductibleGlobal
8.5/1084.9%$2,820$1,538#$3,372
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
Bupa | 保柏
Bupa MyFlexi VHIS Plan Standard Plus
Product Details
WardVHIS Flexi$0 DeductibleGlobal
8.5/1084.6%$5,447$4,358*$6,731
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

Voluntary Health Insurance Scheme

We found Voluntary Health Insurance Scheme product(s) matching your selected filters.
FWD | 富衛
vCANsurance Medical Plan (Standard)
WardVHIS 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 : $5,113$2,983#
Age 35 male
Avg. Premium : $5,401
Average premium for male age 35 to 44
Quote Now
AXA | 安盛
AXA WiseGuard Pro Medical Insurance Plan (Regular)
WardVHIS Flexi$0 DeductibleGreater China
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 : 99.6%
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 : $8,324
Age 35 male
Avg. Premium : $9,597
Average premium for male age 35 to 44
Action Now
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Bronze
WardVHIS Flexi$0 DeductibleGreater China
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 : 99.6%
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 : $9,172
Age 35 male
Avg. Premium : $10,784
Average premium for male age 35 to 44
Learn more
Bowtie | 保泰人壽
Bowtie VHIS Flexi - Regular + Cancer Fighter 100
WardVHIS Flexi$0 DeductibleGlobal
10Life Rating : 9.2/10
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 : 91.5%
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 : $3,588$2,926#
Age 35 male
Avg. Premium : $4,429
Average premium for male age 35 to 44
Quote Now
FWD | 富衛
vCare Supreme Medical Plan
WardVHIS Flexi$0 DeductibleGlobal
10Life Rating : 9.1/10
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 : 90.7%
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 : $4,104
Age 35 male
Avg. Premium : $4,680
Average premium for male age 35 to 44
Cigna | 信諾
Cigna VHIS Series – Flexi Plan (SMM)
WardVHIS Flexi$0 DeductibleGlobal
10Life Rating : 9.1/10
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 : 90.5%
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 : $4,716$2,830#
Age 35 male
Avg. Premium : $5,207
Average premium for male age 35 to 44
FTLife | 富通
“TopCare” Medical Insurance Plan (Benefit Level 2 with Major Medical Benefit)
WardVHIS Flexi$0 DeductibleGlobal
10Life Rating : 8.7/10
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 : 87.5%
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 : $5,577
Age 35 male
Avg. Premium : $6,282
Average premium for male age 35 to 44
FTLife | 富通
“TopCare” Medical Insurance Plan (Benefit Level 1 with Major Medical Benefit)
WardVHIS Flexi$0 DeductibleGlobal
10Life Rating : 8.6/10
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 : 86.3%
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 : $4,614
Age 35 male
Avg. Premium : $5,255
Average premium for male age 35 to 44
Bowtie | 保泰人壽
Bowtie VHIS Flexi - Regular
WardVHIS Flexi$0 DeductibleGlobal
10Life Rating : 8.5/10
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 : 84.9%
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 : $2,820$1,538#
Age 35 male
Avg. Premium : $3,372
Average premium for male age 35 to 44
Quote Now
Bupa | 保柏
Bupa MyFlexi VHIS Plan Standard Plus
WardVHIS Flexi$0 DeductibleGlobal
10Life Rating : 8.5/10
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 : 84.6%
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 : $5,447$4,358*
Age 35 male
Avg. Premium : $6,731
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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