• Worldwide full coverage Provides full coverage on a wide range of hospitalisation expenses so you wouldn’t have to worry about having too many itemised benefit limits
• Innovative reimbursement basis with limits reset per Disability per Policy Year You can utilise your coverage by having the limits of individual benefit items and the aggregate limit per Disability per Policy Year counted afresh for each Disability or in each Policy Year
• Covers unknown Pre-existing Conditions starting from the 31st day of the first Poicy Year It also covers Congenital Condition having manifested or been diagnosed at any age the Insured Person attains starting from the 31st day of the first Policy Year
• Get rewards by staying healthy with your family Enjoys individual and extra no claims premium discount of up to 25%

• Up to 6-month premium discount Customers may enjoy a 5-month premium discount by applying with annual premium payment mode within the promotion period. If customer applies for FWD designated VHIS Plan(s) for his/her specified relative(s) at the same time, each eligible policy will be entitled to an extra 1-month premium discount in the 1st policy year.

Only applicable for successful application falling within the period from 1 January 2021 to 31 March 2021 (both dates inclusive) and policies must be issued on or before 30 April 2021. # Premium is calculated after 5-month premium 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.

• 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 Mar 2021 to 31 Mar 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 Mar 2021 to 30 Apr 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.

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.