Voluntary Health Insurance Scheme (VHIS) Quick Guide
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08/10/2021
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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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Semi-PrivateVHIS Flexi$0 DeductibleGlobal
| 10.0/10 | 100.0% | $9,149$5,337# | $10,245 |
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 |
Limited Offer
Enjoy up to 6-month premium discount by applying with annual premium payment mode
Product Highlights
- 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%
The above product information does not contain the full terms and benefits of the policy, exclusions and key product risks. For the full terms, benefits, exclusions and key product risks, please refer to the relevant policy provisions and product brochure.
Promotion offer
- 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 Oct 2021 to 31 Dec 2021 (both dates inclusive) and policies must be issued on or before 31 Jan 2022. # Premium is calculated after 5-month premium discount for the first year premium.
Relevant Information
*Terms and conditions apply. Please refer to the promotional flyer, product leaflet and policy provisions for details.
**Applicant can apply a tax deduction for the premium actually paid. Any premium refund or premium discount is ineligible for tax deduction. Further information on tax concessions applicable to VHIS may be found in IRD’s website at www.ird.gov.hk/en.
***vCANsurance Medical Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited, a company incorporated in Bermuda with limited liability (“FWD”).
The above information is provided by the advertiser. 10Life accepts no liability for any loss arising from the information and no obligation to update the information.
Semi-PrivateVHIS Flexi$0 DeductibleAsia
| 10.0/10 | 100.0% | $9,728$8,269# | $11,152 |
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 |
Limited offer
Friends and Family Join Together Discount---Earn up to 6 months’ premium discount for 4 or more enrollments!
Product Highlights
- Coverage up to HK$30,000,000 per year
- 5 deductible options enable your premium to deliver more bang for the buck
- No sub-limit for each benefit item, and no lifetime limit
- Tax deductions up to HK$8,000 per year per insured person
- Cashless Hospitalization
- Premium unchnaged to enhance benefits for existing Flexi(Superior)'s customers
Promotion offer
- Apply now for a 10% off first year premium. Enjoy up to 25% off first year premium for 2 or more enrollments through telemarketing sales representative
- Earn up to six months’ premium discount for 4 or more enrollments^
- 15% off first year premium for online application
- Promotion till 31 Dec 2021
^25% and 15% discount on a policy’s annual premium are equivalent to 3 months' and 1.8 months’ discount respectively, adding up to a total maximum available discount of 6 months’ premium over 3 policy years. Relevant Information
* Terms and conditions apply. Please refer to the product brochure for detailed information.
#Premium is calculated after 15% discount of first year premium
The above information is provided by the advertiser. 10Life accepts no liability for any loss arising from the information and no obligation to update the information.
Semi-PrivateVHIS Flexi$0 DeductibleAsia
| 10.0/10 | 100.0% | $10,834 | $12,190 |
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 |
Semi-PrivateVHIS Flexi$0 DeductibleAsia
| 10.0/10 | 100.0% | $15,448 | $16,592 |
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 |
Semi-PrivateVHIS Flexi$0 DeductibleGlobal
| 10.0/10 | 100.0% | $17,569 | $19,768 |
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 |
Semi-PrivateVHIS Flexi$0 DeductibleAsia
| 10.0/10 | 99.9% | $11,254$7,878* | $13,502 |
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 |
Semi-PrivateVHIS Flexi$0 DeductibleAsia
| 10.0/10 | 99.9% | $12,189$7,110# | $13,084 |
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 |
Limited Offer
Enjoy up to 6-month premium discount by applying with annual premium payment mode
Product Highlights
- Full Cover Up to an Annual Benefit Limit of HKD8 million and a Lifetime Benefit Limit of HKD45 million on medical expenses incurred for hospitalisation and surgery
- Add-on Features Including First-dollar Coverage - Deductible Waived for Designated Crises and 2-year Free Coverage for Newborns^
- Get rewards for staying healthy with your family Individual and Extra No Claims Premium Discount up to a total of 25%
^These benefits are not part of the Terms and Benefits of the VHIS Certified Plan - vPrime Medical Plan.
The above product information does not contain the full terms and benefits of the policy, exclusions and key product risks. For the full terms, benefits, exclusions and key product risks, please refer to the relevant policy provisions and product brochure.
Promotion offer
- 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 Oct 2021 to 31 Dec 2021 (both dates inclusive) and policies must be issued on or before 31 Jan 2022. # Premium is calculated after 5-month premium discount for the first year premium.
Relevant Information
* Terms and conditions apply. Please refer to the promotional flyer, product leaflet and policy provisions for details.
**Applicant can apply a tax deduction for the premium actually paid. Any premium refund or premium discount is ineligible for tax deduction. Further information on tax concessions applicable to VHIS may be found in IRD’s website at www.ird.gov.hk/en.
***vPrime Medical Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited, a company incorporated in Bermuda with limited liability (“FWD”).
The above information is provided by the advertiser. 10Life accepts no liability for any loss arising from the information and no obligation to update the information.
Semi-PrivateVHIS Flexi$0 DeductibleAsia
| 10.0/10 | 99.9% | $12,275 | $13,390 |
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 |
Limited offer
Once you successfully apply for any new designated basic plan / supplement1 and satisfy other applicable requirements2, you may enjoy up to 6 months’ premium refund3, 4, 5, 6, 7, 8!
Product Highlights
- 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.
Promotion offer
- 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 refund3, 4, 5, 6, 7, 8!
Relevant Information
Please click here to browse Promotional webpage from the insurance company. The above information is provided by the advertiser. 10Life accepts no liability for any loss arising from the information and no obligation to update the information.
Semi-PrivateVHIS Flexi$0 DeductibleAsia
| 10.0/10 | 99.9% | $13,474 | $15,025 |
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 |
3x limited offers
Get up to 25% discount off on your 1st year premium upon successful enrolment in the VHIS Flexi Plan
Product Highlights
- Cover yourself against unknown pre-existing conditions
- Fully covered* for hospitalisation and surgical fees without any sub-limits in event you need medical care
- Surgical and non-surgical cancer treatment expenses are both covered
- Ease your worries with cashless arrangements
- Rest easy with home nursing services
- 4 different plans, 3 geographical coverage and 4 annual deductible options
- No-claim discount benefit
- 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.
Promotion offer
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 Dec 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 Dec 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
* Terms and conditions apply. Please refer to the product brochure and product provision on HSBC website for details.
The above information is provided by the advertiser. 10Life accepts no liability for any loss arising from the information and no obligation to update the information.
Semi-PrivateVHIS Flexi$0 DeductibleAsia
| 10.0/10 | 99.9% | $14,151 | $15,806 |
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 |
We found Voluntary Health Insurance Scheme product(s) matching your selected filters.
FWD | 富衛
vCANsurance Medical Plan (Superior)
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 : $9,149$5,337#
Age 35 male
Avg. Premium : $10,245
Average premium for male age 35 to 44
Limited Offer
Enjoy up to 6-month premium discount by applying with annual premium payment mode
Product Highlights
- 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%
The above product information does not contain the full terms and benefits of the policy, exclusions and key product risks. For the full terms, benefits, exclusions and key product risks, please refer to the relevant policy provisions and product brochure.
Promotion offer
- 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 Oct 2021 to 31 Dec 2021 (both dates inclusive) and policies must be issued on or before 31 Jan 2022. # Premium is calculated after 5-month premium discount for the first year premium.
Relevant Information
*Terms and conditions apply. Please refer to the promotional flyer, product leaflet and policy provisions for details.
**Applicant can apply a tax deduction for the premium actually paid. Any premium refund or premium discount is ineligible for tax deduction. Further information on tax concessions applicable to VHIS may be found in IRD’s website at www.ird.gov.hk/en.
***vCANsurance Medical Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited, a company incorporated in Bermuda with limited liability (“FWD”).
The above information is provided by the advertiser. 10Life accepts no liability for any loss arising from the information and no obligation to update the information.
Cigna | 信諾
Cigna VHIS Series – Flexi Plan (Superior) 1
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 : $9,728$8,269#
Age 35 male
Avg. Premium : $11,152
Average premium for male age 35 to 44
Limited offer
Friends and Family Join Together Discount---Earn up to 6 months’ premium discount for 4 or more enrollments!
Product Highlights
- Coverage up to HK$30,000,000 per year
- 5 deductible options enable your premium to deliver more bang for the buck
- No sub-limit for each benefit item, and no lifetime limit
- Tax deductions up to HK$8,000 per year per insured person
- Cashless Hospitalization
- Premium unchnaged to enhance benefits for existing Flexi(Superior)'s customers
Promotion offer
- Apply now for a 10% off first year premium. Enjoy up to 25% off first year premium for 2 or more enrollments through telemarketing sales representative
- Earn up to six months’ premium discount for 4 or more enrollments^
- 15% off first year premium for online application
- Promotion till 31 Dec 2021
^25% and 15% discount on a policy’s annual premium are equivalent to 3 months' and 1.8 months’ discount respectively, adding up to a total maximum available discount of 6 months’ premium over 3 policy years. Relevant Information
* Terms and conditions apply. Please refer to the product brochure for detailed information.
#Premium is calculated after 15% discount of first year premium
The above information is provided by the advertiser. 10Life accepts no liability for any loss arising from the information and no obligation to update the information.
Blue Cross | 藍十字保險
Dynasty VHIS Plan
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 : $10,834
Age 35 male
Avg. Premium : $12,190
Average premium for male age 35 to 44
AIA | 友邦
AIA Voluntary Health Insurance Privilege Plus Scheme
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 : $15,448
Age 35 male
Avg. Premium : $16,592
Average premium for male age 35 to 44
Blue Cross | 藍十字保險
Dynasty VHIS Plan
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 : $17,569
Age 35 male
Avg. Premium : $19,768
Average premium for male age 35 to 44
Bupa | 保柏
Bupa Hero VHIS Plan (Advance)
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 : 99.9%
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 : $11,254$7,878*
Age 35 male
Avg. Premium : $13,502
Average premium for male age 35 to 44
FWD | 富衛
vPrime Medical Plan
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 : 99.9%
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 : $12,189$7,110#
Age 35 male
Avg. Premium : $13,084
Average premium for male age 35 to 44
Limited Offer
Enjoy up to 6-month premium discount by applying with annual premium payment mode
Product Highlights
- Full Cover Up to an Annual Benefit Limit of HKD8 million and a Lifetime Benefit Limit of HKD45 million on medical expenses incurred for hospitalisation and surgery
- Add-on Features Including First-dollar Coverage - Deductible Waived for Designated Crises and 2-year Free Coverage for Newborns^
- Get rewards for staying healthy with your family Individual and Extra No Claims Premium Discount up to a total of 25%
^These benefits are not part of the Terms and Benefits of the VHIS Certified Plan - vPrime Medical Plan.
The above product information does not contain the full terms and benefits of the policy, exclusions and key product risks. For the full terms, benefits, exclusions and key product risks, please refer to the relevant policy provisions and product brochure.
Promotion offer
- 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 Oct 2021 to 31 Dec 2021 (both dates inclusive) and policies must be issued on or before 31 Jan 2022. # Premium is calculated after 5-month premium discount for the first year premium.
Relevant Information
* Terms and conditions apply. Please refer to the promotional flyer, product leaflet and policy provisions for details.
**Applicant can apply a tax deduction for the premium actually paid. Any premium refund or premium discount is ineligible for tax deduction. Further information on tax concessions applicable to VHIS may be found in IRD’s website at www.ird.gov.hk/en.
***vPrime Medical Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited, a company incorporated in Bermuda with limited liability (“FWD”).
The above information is provided by the advertiser. 10Life accepts no liability for any loss arising from the information and no obligation to update the information.
AXA | 安盛
AXA WiseGuard Pro Medical Insurance Plan (Enhance)
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 : 99.9%
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 : $12,275
Age 35 male
Avg. Premium : $13,390
Average premium for male age 35 to 44
Limited offer
Once you successfully apply for any new designated basic plan / supplement1 and satisfy other applicable requirements2, you may enjoy up to 6 months’ premium refund3, 4, 5, 6, 7, 8!
Product Highlights
- 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.
Promotion offer
- 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 refund3, 4, 5, 6, 7, 8!
Relevant Information
Please click here to browse Promotional webpage from the insurance company. The above information is provided by the advertiser. 10Life accepts no liability for any loss arising from the information and no obligation to update the information.
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Silver
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 : 99.9%
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 : $13,474
Age 35 male
Avg. Premium : $15,025
Average premium for male age 35 to 44
3x limited offers
Get up to 25% discount off on your 1st year premium upon successful enrolment in the VHIS Flexi Plan
Product Highlights
- Cover yourself against unknown pre-existing conditions
- Fully covered* for hospitalisation and surgical fees without any sub-limits in event you need medical care
- Surgical and non-surgical cancer treatment expenses are both covered
- Ease your worries with cashless arrangements
- Rest easy with home nursing services
- 4 different plans, 3 geographical coverage and 4 annual deductible options
- No-claim discount benefit
- 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.
Promotion offer
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 Dec 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 Dec 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
* Terms and conditions apply. Please refer to the product brochure and product provision on HSBC website for details.
The above information is provided by the advertiser. 10Life accepts no liability for any loss arising from the information and no obligation to update the information.
Manulife | 宏利
Manulife Supreme VHIS Flexi Plan
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 : 99.9%
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 : $14,151
Age 35 male
Avg. Premium : $15,806
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:
Please click here for details (Chinese Version Only)
- 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)
For more details please refer to this article (Chinese Version Only)
Remarks:
- The above premium excludes insurance levy collected by the Insurance Authority.
- 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.
- 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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