Compare VHIS

VHIS Quick Guide

Male

Age : 35

Ward

Geographical Coverage : Any

Deductible : 0 - 0

First Year Premium : 0 - 50,000 +

Average Annual Premium : 0 - 50,000 +

Insurer

Plan Type :

We found 53 Medical Insurance product(s) matching your selected filters.
Assumptions
FWD | 富衛
vBooster Medical Plan
Ward
Asia
VHIS Flexi
0 Deductible
9.7
/ 10
10Life Score
Medical Coverage Score
9.9 / 10
Special Feature Score
8 / 10
10-year Avg. Premium
9,159
HKD
9,017
First Year Premium
8,532
HKD 7,111
AXA Hong Kong and Macau | AXA 安盛
AXA WiseGuard Pro Medical Insurance Plan (Regular)
Ward
Greater China
VHIS Flexi
0 Deductible
9.6
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
6.2 / 10
10-year Avg. Premium
HKD
10,030
First Year Premium
HKD 8,699
Manulife | 宏利
Manulife Supreme VHIS Flexi Plan (Smart)
Ward
Asia
VHIS Flexi
0 Deductible
9.6
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
6 / 10
10-year Avg. Premium
HKD
11,140
First Year Premium
HKD 10,306
Cigna Healthcare | 信諾環球
Cigna VHIS Series – Flexi Plan (Superior)
Ward
Asia
VHIS Flexi
0 Deductible
9.6
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
5.9 / 10
10-year Avg. Premium
HKD
11,040
First Year Premium
HKD 9,631
Chubb Life | 安達人壽
VHIS Series – Flexi Plan (Superior)
Ward
Asia
VHIS Flexi
0 Deductible
9.6
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
5.8 / 10
10-year Avg. Premium
HKD
11,040
First Year Premium
HKD 9,631
Sun Life | Sun Life 永明
WeHealth Preferred
Ward
Greater China
VHIS Flexi
0 Deductible
9.2
/ 10
10Life Score
Medical Coverage Score
9.7 / 10
Special Feature Score
5.2 / 10
10-year Avg. Premium
HKD
10,557
First Year Premium
HKD 9,156
FTLife | 富通
“FlexiCare” Medical Insurance Plan
Ward
Global
VHIS Flexi
0 Deductible
9.2
/ 10
10Life Score
Medical Coverage Score
9.6 / 10
Special Feature Score
5.8 / 10
10-year Avg. Premium
HKD
7,349
First Year Premium
HKD 6,731
FWD | 富衛
vCANsurance Medical Plan (Standard)
Ward
Global
VHIS Flexi
0 Deductible
9.2
/ 10
10Life Score
Medical Coverage Score
9.6 / 10
Special Feature Score
5.3 / 10
10-year Avg. Premium
5,401
HKD
5,316
First Year Premium
5,113
HKD 4,261
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Bronze
Ward
Greater China
VHIS Flexi
0 Deductible
9.0
/ 10
10Life Score
Medical Coverage Score
9.6 / 10
Special Feature Score
4.3 / 10
10-year Avg. Premium
10,784
HKD
10,600
First Year Premium
9,172
HKD 7,338
Bowtie | 保泰人壽
Bowtie Pink VHIS Plan
Ward
Global Ex-US
VHIS Flexi
0 Deductible
9.0
/ 10
10Life Score
Medical Coverage Score
9.6 / 10
Special Feature Score
3.8 / 10
10-year Avg. Premium
9,011
HKD
8,603
First Year Premium
8,160
HKD 4,080
Bowtie | 保泰人壽
Bowtie VHIS Flexi Regular + Cancer Fighter 100
Ward
Global
VHIS Flexi
0 Deductible
8.3
/ 10
10Life Score
Medical Coverage Score
9 / 10
Special Feature Score
2.5 / 10
10-year Avg. Premium
4,739
HKD
4,546
First Year Premium
3,852
HKD 1,926
Asia Insurance | 亞洲保險
Asia iCare – Plan 2A (with SMM)
Ward
Global
VHIS Flexi
0 Deductible
6.9
/ 10
10Life Score
Medical Coverage Score
7.3 / 10
Special Feature Score
4 / 10
10-year Avg. Premium
HKD
6,372
First Year Premium
HKD 5,234
Asia Insurance | 亞洲保險
Asia iCare – Plan 2B (with SMM)
Ward
Global
VHIS Flexi
0 Deductible
6.9
/ 10
10Life Score
Medical Coverage Score
7.2 / 10
Special Feature Score
4 / 10
10-year Avg. Premium
HKD
6,001
First Year Premium
HKD 4,923
FTLife | 富通
“TopCare” Medical Insurance Plan (Benefit Level 2 with Major Medical Benefit)
Ward
Global
VHIS Flexi
0 Deductible
6.7
/ 10
10Life Score
Medical Coverage Score
6.8 / 10
Special Feature Score
5.5 / 10
10-year Avg. Premium
HKD
7,327
First Year Premium
HKD 6,506
Chubb Life | 安達人壽
VHIS Series – Flexi Plan (SMM)
Ward
Global
VHIS Flexi
0 Deductible
6.6
/ 10
10Life Score
Medical Coverage Score
7 / 10
Special Feature Score
3.6 / 10
10-year Avg. Premium
HKD
5,571
First Year Premium
HKD 5,046
FWD | 富衛
vBooster Medical Plan
Ward
Asia
VHIS Flexi
0 Deductible
10Life Score
9.7
/ 10
Medical Coverage Score
9.9 / 10
Special Feature Score
8 / 10
10-year Avg. Premium
HKD 9,017 /Year
9,159
First Year Premium
HKD 7,111
8,532
AXA Hong Kong and Macau | AXA 安盛
AXA WiseGuard Pro Medical Insurance Plan (Regular)
Ward
Greater China
VHIS Flexi
0 Deductible
10Life Score
9.6
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
6.2 / 10
10-year Avg. Premium
HKD 10,030 /Year
First Year Premium
HKD 8,699
Manulife | 宏利
Manulife Supreme VHIS Flexi Plan (Smart)
Ward
Asia
VHIS Flexi
0 Deductible
10Life Score
9.6
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
6 / 10
10-year Avg. Premium
HKD 11,140 /Year
First Year Premium
HKD 10,306
Cigna Healthcare | 信諾環球
Cigna VHIS Series – Flexi Plan (Superior)
Ward
Asia
VHIS Flexi
0 Deductible
10Life Score
9.6
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
5.9 / 10
10-year Avg. Premium
HKD 11,040 /Year
First Year Premium
HKD 9,631
Chubb Life | 安達人壽
VHIS Series – Flexi Plan (Superior)
Ward
Asia
VHIS Flexi
0 Deductible
10Life Score
9.6
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
5.8 / 10
10-year Avg. Premium
HKD 11,040 /Year
First Year Premium
HKD 9,631
Sun Life | Sun Life 永明
WeHealth Preferred
Ward
Greater China
VHIS Flexi
0 Deductible
10Life Score
9.2
/ 10
Medical Coverage Score
9.7 / 10
Special Feature Score
5.2 / 10
10-year Avg. Premium
HKD 10,557 /Year
First Year Premium
HKD 9,156
FTLife | 富通
“FlexiCare” Medical Insurance Plan
Ward
Global
VHIS Flexi
0 Deductible
10Life Score
9.2
/ 10
Medical Coverage Score
9.6 / 10
Special Feature Score
5.8 / 10
10-year Avg. Premium
HKD 7,349 /Year
First Year Premium
HKD 6,731
FWD | 富衛
vCANsurance Medical Plan (Standard)
Ward
Global
VHIS Flexi
0 Deductible
10Life Score
9.2
/ 10
Medical Coverage Score
9.6 / 10
Special Feature Score
5.3 / 10
10-year Avg. Premium
HKD 5,316 /Year
5,401
First Year Premium
HKD 4,261
5,113
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Bronze
Ward
Greater China
VHIS Flexi
0 Deductible
10Life Score
9.0
/ 10
Medical Coverage Score
9.6 / 10
Special Feature Score
4.3 / 10
10-year Avg. Premium
HKD 10,600 /Year
10,784
First Year Premium
HKD 7,338
9,172
Bowtie | 保泰人壽
Bowtie Pink VHIS Plan
Ward
Global Ex-US
VHIS Flexi
0 Deductible
10Life Score
9.0
/ 10
Medical Coverage Score
9.6 / 10
Special Feature Score
3.8 / 10
10-year Avg. Premium
HKD 8,603 /Year
9,011
First Year Premium
HKD 4,080
8,160
Bowtie | 保泰人壽
Bowtie VHIS Flexi Regular + Cancer Fighter 100
Ward
Global
VHIS Flexi
0 Deductible
10Life Score
8.3
/ 10
Medical Coverage Score
9 / 10
Special Feature Score
2.5 / 10
10-year Avg. Premium
HKD 4,546 /Year
4,739
First Year Premium
HKD 1,926
3,852
Asia Insurance | 亞洲保險
Asia iCare – Plan 2A (with SMM)
Ward
Global
VHIS Flexi
0 Deductible
10Life Score
6.9
/ 10
Medical Coverage Score
7.3 / 10
Special Feature Score
4 / 10
10-year Avg. Premium
HKD 6,372 /Year
First Year Premium
HKD 5,234
Asia Insurance | 亞洲保險
Asia iCare – Plan 2B (with SMM)
Ward
Global
VHIS Flexi
0 Deductible
10Life Score
6.9
/ 10
Medical Coverage Score
7.2 / 10
Special Feature Score
4 / 10
10-year Avg. Premium
HKD 6,001 /Year
First Year Premium
HKD 4,923
FTLife | 富通
“TopCare” Medical Insurance Plan (Benefit Level 2 with Major Medical Benefit)
Ward
Global
VHIS Flexi
0 Deductible
10Life Score
6.7
/ 10
Medical Coverage Score
6.8 / 10
Special Feature Score
5.5 / 10
10-year Avg. Premium
HKD 7,327 /Year
First Year Premium
HKD 6,506
Chubb Life | 安達人壽
VHIS Series – Flexi Plan (SMM)
Ward
Global
VHIS Flexi
0 Deductible
10Life Score
6.6
/ 10
Medical Coverage Score
7 / 10
Special Feature Score
3.6 / 10
10-year Avg. Premium
HKD 5,571 /Year
First Year Premium
HKD 5,046
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VHIS Quick Guide

What is VHIS?
Tax Deductible
Government Certified
Guaranteed Renewal
Transparent Premium Rates

Voluntary Health Insurance Scheme ("VHIS") mainly covers the hospitalisation costs incurred by the insured. Any VHIS product must comply with the minimum requirements set by the government, and policyholders can enjoy tax deductions on the premium paid.

VHIS VS General Medical Insurance
Renewal Terms
Tax Deductibility
Government Certification
Coverage
Unknown Pre-existing Conditions
tutorial-vhis-100x100.png
VHIS
Guaranteed renewal until age 100
Tax deductible up to HK$8,000
Certified products meet the minimum criteria set by the government
Minimum coverage and benefit amount
Cover unknown pre-existing conditions at the time of enrollment
tutorial-medical-100x100.png
General Medical Insurance
Varies depending on product
Not tax deductible
No government certification or review
No minimum coverage required
Wide variations among different products
VHIS Glossary

Guaranteed Renewal

VHIS offers guaranteed renewal up to the age of 100 years for policyholders without re-underwriting, irrespective of changes in health conditions after policy inception. The insurer is required to offer renewal without any benefit reductions.
Group 11795.png

Unknown Pre-existing Conditions

Conditions already existed prior to the policy application of which the insured was unaware and should be reasonably unaware. Under the VHIS Standard Plan, unknown pre-existing conditions are covered from the second year of policy issuance with 25% coverage, third year with 50% coverage, and full coverage thereafter.
Group 11796.png

Prescribed Diagnostic Imaging Tests

VHIS covers prescribed diagnostic imaging tests conducted during hospital stay or in a day case setting (subject to 30% co-insurance under Standard Plan). The types of tests covered include magnetic resonance imaging (“MRI”), computed tomography (“CT”), positron emission tomography (“PET”), PET-MRI combined and PET-CT combined.
Group 10798.png
Who needs VHIS?
tutorial-kids-icon.png
Children
Children have weaker immune systems and are prone to illness, with flu and fever requiring hospitalisation. With VHIS, parents can claim private hospital expenses from the insurance company.
home-lifestage-single.png
Singles
In the event of an injury or illness, VHIS lessens financial burden by offsetting medical expenses or paying for better medical services.
home-lifestage-family.png
Newly Weds
Starting a family is a major life event. It is important to give your family a peace of mind and acquire adequate medical coverage when still in good health.
Frequently Ask Questions
What is the difference between VHIS "Standard Plan" and "Flexible Plan"?

The terms and benefits of the standard plan are based on the minimum requirements set by the government, and the terms and benefits of the standard plan are very similar from one insurer to another.

A "Flexi Plan" takes the basic coverage of the standard plan and further upgrades it, for example, by raising the limit of benefits or adding additional medical coverage.

How is the tax deduction for VHIS calculated?

VHIS premiums are tax deductible up to a maximum of HK$8,000 per policy. Based on the premium and marginal tax rate, the maximum tax saving per policy is HK$1,360.

What are the disadvantages of the VHIS plan?

According to 10Life data, the estimated average coverage rate of VHIS varies widely, with some standard plans at 36.9% and some flexible plans at 100%.

Which is the best insurance company for VHIS?

The terms of VHIS are complex. To make it easier for customers to compare, 10Life actuaries have taken 12 common medical scenarios to calculate the estimated coverage ratios of each product, and also to evaluate if it can protect against medical inflation.

Cross_Selling_Banner_Best_Insurer
Cross_Selling_Banner_Best_Insurer
Which is the best insurance company for VHIS?

The terms of VHIS are complex. To make it easier for customers to compare, 10Life actuaries have taken 12 common medical scenarios to calculate the estimated coverage ratios of each product, and also to evaluate if it can protect against medical inflation.

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