Best VHIS Plans in HK 2020

The Voluntary Health Insurance Scheme (VHIS) is a policy initiative introduced by the Hong Kong government to create transparent, standardised and affordable medical insurance for Hong Kong residents. We compare all the VHIS plans in Hong Kong and help you find the best one for you. Whether you are looking for Standard or Flexi Plans, choose from our featured plans that best fit you.

How We Compare the Best VHIS Plans

We analysed the premiums and benefits of all of the integrated shield plans in Hong Kong to help you make the right choice when it comes to protecting your health. See our top picks below and compare plans based on your budget and desired benefits. If you find a plan you like, simply click on "Apply Now" to be led to an application.

This graph shows the annual premiums for VHIS Standard insurance plans for a 25 year old male non-smoker

How We Compare the Best VHIS Plans

We analysed the premiums and benefits of all of the VHIS plans in Hong Kong to help you make the right choice when it comes to protecting your health. See our top picks below and compare plans based on your budget and desired benefits. If you find a plan you like, simply click on "get a quote" to be led to an application.

This graph shows the annual premiums for VHIS Standard insurance plans for a 25 year old male non-smoker

Best VHIS Standard Plan for Young Adults: Bowtie Standard Plan

  • Consider if you are a young adult shopping for health care
  • Eligibility: Hong Kong resident (Non Hong Kong residents can purchase but are ineligible for tax benefits)
  • Cheapest premium for young adult male category
  • Meets minimum standards for certification from the Insurance Authority
  • Includes total and permanent incapacity income benefit
BenefitBenefit Limit
Total Annual LimitHK$420,000
Lifetime LimitNil
Room and BoardHK$750 per day (Maximum 180 days per policy year)
Miscellaneous ChargesHK$14,000 per policy year
Attending Doctor's Visit FeeHK$750 per day (Maximum 180 days per policy year)
Specialist's FeeHK$4,300 per policy year
Intensive CareHK$3,500 per day
Surgeon's Feeper surgery, subject to surgical category for the surgery
Anaesthetist's Fee35% of Surgeon's fee payable
Operating Theatre Charges35% of Surgeon's fee payable
Prescribed Diagnostic Imaging TestHK$20,000 per policy year (subject to 30% Coinsurance)
Prescribed Non-surgical Cancer TreatmentHK$80,000 per policy year
Pre- and Post-Confinement/Day Case Procedure Outpatient CareHK$580 per visit, up to HK$3,000 per policy year
Psychiatric TreatmentHK$30,000 per policy year
Total and Permanent Incapacity Income Benefit

Bowtie’s VHIS Standard plan is the best option for young adults who are looking to purchase insurance for the first time or are in their early career. VHIS Standard plans are generally the same across carriers and are designed to meet the minimum standard, therefore price shopping in this category is where you find value. Not only is Bowtie cheap, but it also makes it easy for you to sign up using the company's online portal.

Bowtie ranks as the cheapest insurer for consumers between the ages 18-64. Since they operate 100% online, they are able to make up the difference in premium through their lower operating expenses. However, it's important to note that Bowtie was only founded about one year ago. It isn't uncommon for new insurers to raise their rates once they've attracted enough customers with their initially low premiums. There is also very little information on Bowtie's claims handling history for you to rely on.

  • Consider if you are a young adult shopping for health care
  • Eligibility: Hong Kong resident (Non Hong Kong residents can purchase but are ineligible for tax benefits)
  • Cheapest premium for young adult male category
  • Meets minimum standards for certification from the Insurance Authority
  • Includes total and permanent incapacity income benefit
BenefitBenefit Limit
Total Annual LimitHK$420,000
Lifetime LimitNil
Room and BoardHK$750 per day (Maximum 180 days per policy year)
Miscellaneous ChargesHK$14,000 per policy year
Attending Doctor's Visit FeeHK$750 per day (Maximum 180 days per policy year)
Specialist's FeeHK$4,300 per policy year
Intensive CareHK$3,500 per day
Surgeon's Feeper surgery, subject to surgical category for the surgery
Anaesthetist's Fee35% of Surgeon's fee payable
Operating Theatre Charges35% of Surgeon's fee payable
Prescribed Diagnostic Imaging TestHK$20,000 per policy year (subject to 30% Coinsurance)
Prescribed Non-surgical Cancer TreatmentHK$80,000 per policy year
Pre- and Post-Confinement/Day Case Procedure Outpatient CareHK$580 per visit, up to HK$3,000 per policy year
Psychiatric TreatmentHK$30,000 per policy year
Total and Permanent Incapacity Income Benefit

Bowtie’s VHIS Standard plan is the best option for young adults who are looking to purchase insurance for the first time or are in their early career. VHIS Standard plans are generally the same across carriers and are designed to meet the minimum standard, therefore price shopping in this category is where you find value. Not only is Bowtie cheap, but it also makes it easy for you to sign up using the company's online portal.

Bowtie ranks as the cheapest insurer for consumers between the ages 18-64. Since they operate 100% online, they are able to make up the difference in premium through their lower operating expenses. However, it's important to note that Bowtie was only founded about one year ago. It isn't uncommon for new insurers to raise their rates once they've attracted enough customers with their initially low premiums. There is also very little information on Bowtie's claims handling history for you to rely on.

Best VHIS Standard Plan for Healthy Seniors: Bowtie Standard Plan

  • Consider if you are above the age of 60
  • Eligibility: Hong Kong resident (Non Hong Kong residents can purchase but are ineligible for tax benefits)
  • Most affordable premiums on the market for ages 60-100
  • Meets minimum standards for certification from the Insurance Authority
  • Guaranteed renewal up to the age 100
BenefitBenefit Limit
Total Annual LimitHK$420,000
Lifetime LimitNil
Room and BoardHK$750 per day (Maximum 180 days per policy year)
Miscellaneous ChargesHK$14,000 per policy year
Attending Doctor's Visit FeeHK$750 per day (Maximum 180 days per policy year)
Specialist's FeeHK$4,300 per policy year
Intensive CareHK$3,500 per day
Surgeon's Feeper surgery, subject to surgical category for the surgery
Anaesthetist's Fee35% of Surgeon's fee payable
Operating Theatre Charges35% of Surgeon's fee payable
Prescribed Diagnostic Imaging TestHK$20,000 per policy year (subject to 30% Coinsurance)
Prescribed Non-surgical Cancer TreatmentHK$80,000 per policy year
Pre- and Post-Confinement/Day Case Procedure Outpatient CareHK$580 per visit, up to HK$3,000 per policy year
Psychiatric TreatmentHK$30,000 per policy year
Total and Permanent Incapacity Income Benefit

If you are a healthy senior citizen looking for extra coverage and cannot afford more comprehensive health care coverage, Bowtie’s VHIS Standard plan still offers the most affordable option. On average, seniors between 60 and 99 years old will spend 30% less in premiums with Bowtie than with other Standard VHIS plans.

That being said, most older consumers looking to purchase medical insurance or health insurance should look to buy more comprehensive health insurance no matter how healthy they are. The real value of health insurance is that it protects you when something you don’t expect goes wrong. Keep in mind that health risk increases the older you are, and the low benefits of the Standard VHIS plan may not cover a full year of expenses. Since coverage limits for specific benefits are small, you run the risk of being underinsured as an older individual. Consider looking at our top pick for Best Flexi plan for seniors.

  • Consider if you are above the age of 60
  • Eligibility: Hong Kong resident (Non Hong Kong residents can purchase but are ineligible for tax benefits)
  • Most affordable premiums on the market for ages 60-100
  • Meets minimum standards for certification from the Insurance Authority
  • Guaranteed renewal up to the age 100
BenefitBenefit Limit
Total Annual LimitHK$420,000
Lifetime LimitNil
Room and BoardHK$750 per day (Maximum 180 days per policy year)
Miscellaneous ChargesHK$14,000 per policy year
Attending Doctor's Visit FeeHK$750 per day (Maximum 180 days per policy year)
Specialist's FeeHK$4,300 per policy year
Intensive CareHK$3,500 per day
Surgeon's Feeper surgery, subject to surgical category for the surgery
Anaesthetist's Fee35% of Surgeon's fee payable
Operating Theatre Charges35% of Surgeon's fee payable
Prescribed Diagnostic Imaging TestHK$20,000 per policy year (subject to 30% Coinsurance)
Prescribed Non-surgical Cancer TreatmentHK$80,000 per policy year
Pre- and Post-Confinement/Day Case Procedure Outpatient CareHK$580 per visit, up to HK$3,000 per policy year
Psychiatric TreatmentHK$30,000 per policy year
Total and Permanent Incapacity Income Benefit

If you are a healthy senior citizen looking for extra coverage and cannot afford more comprehensive health care coverage, Bowtie’s VHIS Standard plan still offers the most affordable option. On average, seniors between 60 and 99 years old will spend 30% less in premiums with Bowtie than with other Standard VHIS plans.

That being said, most older consumers looking to purchase medical insurance or health insurance should look to buy more comprehensive health insurance no matter how healthy they are. The real value of health insurance is that it protects you when something you don’t expect goes wrong. Keep in mind that health risk increases the older you are, and the low benefits of the Standard VHIS plan may not cover a full year of expenses. Since coverage limits for specific benefits are small, you run the risk of being underinsured as an older individual. Consider looking at our top pick for Best Flexi plan for seniors.

When to Choose a Flexi Plan

VHIS Flexi plans are essentially enhanced VHIS Standard plans. The variation in the market on types of coverage and limits vary widely. Take a look at some of the best options we’ve analyzed for you. For more detail on how to choose between a standard plan and a Flexi plan, read below.

Best Flexi Plan for Families: Bupa Hero Advanced

  • Consider if you are looking for comprehensive coverage and addons for your family
  • Eligibility: Hong Kong resident (Non Hong Kong residents can purchase but are ineligible for tax benefits)
  • Optional Benefits: Maternity, Clinical, Dental, Dental and Optical, at additional premium
  • Family Discount: 10% and 15% discount depending on how many members enroll together
  • Deluxe Flexi Plan available for broader coverage and limits
  • Restricted ward class: specified by region.
BenefitBenefit Limit
Total Annual LimitHK$25,000,000
Lifetime LimitNil
Optional Maternity Benefit
  • Normal delivery HK$28,000 per pregnancy
  • Caesarean section HK$42,000 per pregnancy
  • Miscarriage HK$14,000 per pregnancy
Optional Clinical BenefitHK$100,000 overall annual limit
Optional Dental BenefitHK$5,000 per policy year
Room and BoardFull coverage
Miscellaneous ChargesFull coverage
Attending Doctor's Visit FeeFull coverage
Specialist's FeeFull coverage
Intensive CareFull coverage
Surgeon's FeeFull coverage
Anaesthetist's FeeFull coverage
Operating Theatre ChargesFull coverage
Prescribed Diagnostic Imaging TestFull coverage
Prescribed Non-surgical Cancer TreatmentFull coverage
Day Patient Kidney DialysisFull coverage
Psychiatric TreatmentFull coverage

The Bupa Hero Advanced Flexi plan is one of the most comprehensive coverages for VHIS Flexi plans on the market for new families. It not only provides full coverage for most of the basic benefits listed on all VHIS Standard, but their enhanced coverage for hospitalization benefits offers high annual limits with additional premium.

As you are starting or planning to start a new family, one thing you can be certain of are medical bills. The VHIS Flexi plan includes complications of pregnancy coverage built into the policy. Additionally, you have the option to add on coverage that covers maternity costs and much needed outpatient care.

Other VHIS Standard and Flexi plans do not cover outpatient care like preventative care, general practitioner visits, specialists, or other routine costs. Bupa Hero Advanced Flexi plan offers a way for new families to mitigate this risk through their optional Clinical benefit. Coupled with a family discount on premium of up to 15%, this Flexi plan was created with the family in mind. The optional benefits are not certified plans under VHIS and eligibility for these optional coverages require the Bupa Hero Advanced Flexi plan.

Keep in mind that there are exclusions on coverage for congenital diseases. Although the Bupa Hero Advanced is the best option for families within the Volunteer Health Insurance Scheme, this may not be the most comprehensive coverage on the market outside of VHIS plans.

  • Consider if you are looking for comprehensive coverage and addons for your family
  • Eligibility: Hong Kong resident (Non Hong Kong residents can purchase but are ineligible for tax benefits)
  • Optional Benefits: Maternity, Clinical, Dental, Dental and Optical, at additional premium
  • Family Discount: 10% and 15% discount depending on how many members enrol together
  • Deluxe Flexi Plan available for broader coverage and limits
  • Restricted ward class: specified by region.
BenefitBenefit Limit
Total Annual LimitHK$25,000,000
Lifetime LimitNil
Optional Maternity BenefitNormal delivery HK$28,000 per pregnancy Caesarean section HK$42,000 per pregnancy Miscarriage HK$14,000 per pregnancy
Optional Clinical BenefitHK$100,000 overall annual limit
Optional Dental BenefitHK$5,000 per policy year
Room and BoardFull coverage
Miscellaneous ChargesFull coverage
Attending Doctor's Visit FeeFull coverage
Specialist's FeeFull coverage
Intensive CareFull coverage
Surgeon's FeeFull coverage
Anaesthetist's FeeFull coverage
Operating Theatre ChargesFull coverage
Prescribed Diagnostic Imaging TestFull coverage
Prescribed Non-surgical Cancer TreatmentFull coverage
Day Patient Kidney DialysisFull coverage
Psychiatric TreatmentFull coverage

The Bupa Hero Advanced Flexi plan is one of the most comprehensive coverages for VHIS Flexi plans on the market for new families. It not only provides full coverage for most of the basic benefits listed on all VHIS Standard, but their enhanced coverage for hospitalization benefits offers high annual limits with additional premium.

As you are starting or planning to start a new family, one thing you can be certain of are medical bills. The VHIS Flexi plan includes complications of pregnancy coverage built into the policy. Additionally, you have the option to add on coverage that covers maternity costs and much needed outpatient care.

Other VHIS Standard and Flexi plans do not cover outpatient care like preventative care, general practitioner visits, specialists, or other routine costs. Bupa Hero Advanced Flexi plan offers a way for new families to mitigate this risk through their optional Clinical benefit. Coupled with a family discount on premium of up to 15%, this Flexi plan was created with the family in mind. The optional benefits are not certified plans under VHIS and eligibility for these optional coverages require the Bupa Hero Advanced Flexi plan.

Keep in mind that there are exclusions on coverage for congenital diseases. Although the Bupa Hero Advanced is the best option for families within the Volunteer Health Insurance Scheme, this may not be the most comprehensive coverage on the market outside of VHIS plans.

Best Flexi Plan for Major Illnesses: Cigna HK VHIS Series - Flexi Plan (Superior)

  • Consider if you have a high risk of cancer or kidney disease in the family
  • Eligibility: Hong Kong resident
  • Area of coverage: Asia as defined by policy
  • Limited-time Promotion: The first 200 applicants can enjoy VHIS Flexi(SMM) benefits while only paying the premium of VHIS Standard Plan for the 1st year. (Equal to a 40% off discount)
  • Full Compensation for kidney dialysis and non-surgical cancer treatment
  • Multiple deductible options: $0, $15,000, $25,000, $50,000
  • Cashless hospitalisation
BenefitBenefit Limit
Total Annual LimitHK$5,000,000
Lifetime LimitHK$20,000,000
Room and BoardFull coverage
Miscellaneous ChargesFull coverage
Attending Doctor's Visit FeeFull coverage
Specialist's FeeFull coverage
Intensive CareFull coverage
Surgeon's FeeFull coverage
Anaesthetist's FeeFull coverage
Operating Theatre ChargesFull coverage
Prescribed Diagnostic Imaging TestFull coverage
Prescribed Non-surgical Cancer TreatmentFull coverage
Outpatient Kidney DialysisFull coverage
Psychiatric TreatmentFull coverage
HospiceHK$10,000 per policy year
Cash Benefit for Day Case ProcedureHK$580 per procedure, up to HK$3,000 per policy year

Cigna HK offers the comprehensive coverage on cancer and kidney disease. Compared to the Standard VHIS plan, its Flexi Plan (Superior) offers full compensation on most benefits up to an overall annual limit of HK$5,000,000. The added cashless hospitalization offers ease of mind, as it covers any admission charges and claims after discharge for pre-approved hospitals.

Keep in mind this Flexi plan does not grant you a “no lifetime limit” benefit as other VHIS plans do. The trade-off to full compensation benefits and higher annual limits is a cap in lifetime limits at HK$20,000,000. Although you may find other Flexi plans with no lifetime limit, they have substantially lower overall annual limits compared to Cigna HK as well as annual limits on specific coverage benefits.

  • Consider if you have a high risk of cancer or kidney disease in the family
  • Eligibility: Hong Kong resident
  • Area of coverage: Asia as defined by policy
  • Limited-time Promotion: The first 200 applicants can enjoy VHIS Flexi(SMM) benefits while only paying the premium of VHIS Standard Plan for the 1st year. (Equal to a 40% off discount)
  • Full Compensation for kidney dialysis and non-surgical cancer treatment
  • Multiple deductible options: $0, $15,000, $25,000, $50,000
  • Cashless hospitalisation
BenefitBenefit Limit
Total Annual LimitHK$5,000,000
Lifetime LimitHK$20,000,000
Room and BoardFull coverage
Miscellaneous ChargesFull coverage
Attending Doctor's Visit FeeFull coverage
Specialist's FeeFull coverage
Intensive CareFull coverage
Surgeon's FeeFull coverage
Anaesthetist's FeeFull coverage
Operating Theatre ChargesFull coverage
Prescribed Diagnostic Imaging TestFull coverage
Prescribed Non-surgical Cancer TreatmentFull coverage
Outpatient Kidney DialysisFull coverage
Psychiatric TreatmentFull coverage
HospiceHK$10,000 per policy year
Cash Benefit for Day Case ProcedureHK$580 per procedure, up to HK$3,000 per policy year

Cigna HK offers the comprehensive coverage on cancer and kidney disease. Compared to the Standard VHIS plan, its Flexi Plan (Superior) offers full compensation on most benefits up to an overall annual limit of HK$5,000,000. The added cashless hospitalization offers ease of mind, as it covers any admission charges and claims after discharge for pre-approved hospitals.

Keep in mind this Flexi plan does not grant you a “no lifetime limit” benefit as other VHIS plans do. The trade-off to full compensation benefits and higher annual limits is a cap in lifetime limits at HK$20,000,000. Although you may find other Flexi plans with no lifetime limit, they have substantially lower overall annual limits compared to Cigna HK as well as annual limits on specific coverage benefits.

Best Flexi Plan for Seniors: Bupa Hero Advanced

  • Consider if you are above the age of 60
  • Eligibility: Hong Kong resident (Non Hong Kong residents can purchase but are ineligible for tax benefits)
  • Optional Benefits: Clinical (includes prescribed medication limits, Dental and optical, Maternity
  • Family Discount: 10% and 15% discount depending on how many members enroll together
  • Deluxe Flexi Plan available for broader coverage and limits
  • Restricted ward class: specified by region.
BenefitBenefit Limit
Total Annual LimitHK$25,000,000
Lifetime LimitNil
Optional Maternity BenefitNormal delivery HK$28,000 per pregnancy Caesarean section HK$42,000 per pregnancy Miscarriage HK$14,000 per pregnancy
Optional Clinical BenefitHK$100,000 overall annual limit
Optional Dental BenefitHK$5,000 per policy year
Room and BoardFull coverage
Miscellaneous ChargesFull coverage
Attending Doctor's Visit FeeFull coverage
Specialist's FeeFull coverage
Intensive CareFull coverage
Surgeon's FeeFull coverage
Anaesthetist's FeeFull coverage
Operating Theatre ChargesFull coverage
Prescribed Diagnostic Imaging TestFull coverage
Prescribed Non-surgical Cancer TreatmentFull coverage
Day Patient Kidney DialysisFull coverage
Psychiatric TreatmentFull coverage

The Bupa Hero Advanced Flexi plan is one of the most comprehensive coverages for seniors. It not only provides full coverage for most of the basic benefits listed on all VHIS Standard, but their enhanced coverage for hospitalization benefits offers high annual limits with additional premium.

Some common unexpected healthcare expenses that seniors should prepare for are dental, prescription medication, routine health check ups, and vision. Many other VHIS Standard and Flexi plans do not cover outpatient care like preventative care, general practitioner visits, specialists, or other routine costs. The added option to purchase dental and vision benefits or clinical benefits, allows for you to maintain your health rather than only the ability to respond to emergencies in a hospital.

Keep in mind that this is not the cheapest Flexi plan. Individuals looking to purchase a new policy after their 60th birthday will be set to a higher premium schedule than those who purchase prior to turning 60. So it is best for individuals who will soon be turning 60 years old to purchase as early as possible in order to lock-in lower renewal premiums.

  • Consider if you are above the age of 60
  • Eligibility: Hong Kong resident (Non Hong Kong residents can purchase but are ineligible for tax benefits)
  • Optional Benefits: Clinical (includes prescribed medication limits, Dental and optical, Maternity
  • Family Discount: 10% and 15% discount depending on how many members enroll together
  • Deluxe Flexi Plan available for broader coverage and limits
  • Restricted ward class: specified by region.
BenefitBenefit Limit
Total Annual LimitHK$25,000,000
Lifetime LimitNil
Optional Maternity BenefitNormal delivery HK$28,000 per pregnancy Caesarean section HK$42,000 per pregnancy Miscarriage HK$14,000 per pregnancy
Optional Clinical BenefitHK$100,000 overall annual limit
Optional Dental BenefitHK$5,000 per policy year
Room and BoardFull coverage
Miscellaneous ChargesFull coverage
Attending Doctor's Visit FeeFull coverage
Specialist's FeeFull coverage
Intensive CareFull coverage
Surgeon's FeeFull coverage
Anaesthetist's FeeFull coverage
Operating Theatre ChargesFull coverage
Prescribed Diagnostic Imaging TestFull coverage
Prescribed Non-surgical Cancer TreatmentFull coverage
Day Patient Kidney DialysisFull coverage
Psychiatric TreatmentFull coverage

The Bupa Hero Advanced Flexi plan is one of the most comprehensive coverages for seniors. It not only provides full coverage for most of the basic benefits listed on all VHIS Standard, but their enhanced coverage for hospitalization benefits offers high annual limits with additional premium.

Some common unexpected healthcare expenses that seniors should prepare for are dental, prescription medication, routine health check ups, and vision. Many other VHIS Standard and Flexi plans do not cover outpatient care like preventative care, general practitioner visits, specialists, or other routine costs. The added option to purchase dental and vision benefits or clinical benefits, allows for you to maintain your health rather than only the ability to respond to emergencies in a hospital.

Keep in mind that this is not the cheapest Flexi plan. Individuals looking to purchase a new policy after their 60th birthday will be set to a higher premium schedule than those who purchase prior to turning 60. So it is best for individuals who will soon be turning 60 years old to purchase as early as possible in order to lock-in lower renewal premiums.

What is VHIS and its benefits?

The Volunteer Health Insurance Scheme was implemented in 2019 by the Insurance Authority in order to relieve pressure on public hospitals and offer a minimum standard for private health care coverage that is more comprehensive than traditional private hospital insurance plans.

Standard VHIS Benefits
Guaranteed renewal up to the age 100No cooling off period of 21 days
Premium transparencyNo lifetime benefit limit
Unknown pre-existing conditionsDay case procedures
Prescribed diagnostic imaging testsTreatment of congenital conditions
Prescribed non-surgical cancer treatmentsPsychiatric inpatient treatment at local hospitals
Tax deduction of up to HK$8,000 per individual insured

VHIS Standard plans should largely be the same across carriers in terms of coverage defined by the HK Insurance Authority. Some variations you may see in the standard plan will be additional coverage: Compassionate death benefit, Death benefit due to medical negligence, Daily hospital cash benefits, Total and permanent incapacity income benefit, and additional death benefit for organ donors.

How we compared VHIS policies

We took a look at all Standard and Flexi Plans on the market and compared premium schedules, coverage benefits, addons, and limits. We then examined specific coverage types and prices in order to find the best value for consumers facing different scenarios.

Insurance Companies In Sample
AIAAllianzAsia InsuranceAXA ChinaBank of China
Blue CrossBowtieBupaChina LifeChina Taiping
ChubbCignaDah SingFTLifeFWD
Hong Kong LifeHSBC LifeLibertyManulifeMSIG
PrudentialSun LifeWell LinkYF LifeZurich
(Male, non-smoker, age 24-34)
AgeBowtieAIAManulifeAXACigna
241,2721,8241,6821,8242,140
251,3081,8301,6991,8302,192
261,3561,8621,7391,8622,245
271,4041,8821,7701,8822,300
281,4281,9141,7951,9142,356
291,4521,9461,8181,9462,413
301,4881,9901,8321,9902,472
311,5362,0291,8602,0292,532
321,5962,0611,8872,0612,594
331,6442,0931,9812,0932,657
341,7042,1252,0242,1252,722

These premiums reflect the assumption of a male, non-smoker, between the ages 24-34. This Standard Premium Schedule does not include levy which is collected by the Insurance Authority. For general information on the applicable levy rates, please visit VHIS.gov.hk.

BowtieSuccessfully enroll with promo code "BOWTIE" & get HK$2,000 BowtieCash#
AIANo claims discount of up to 25%
ManulifeEnjoy 10% premium Discount for the first policy year. Promotion period: From July 1, 2020 to October 31, 2020
AXA-
CignaLimited time VHIS upgrade offer: The first 200 applicants can enjoy VHIS Flexi (SMM) benefits while only paying the premium of VHIS Standard plan for the 1st policy year
*Promotional information is subject to change at the discretion of each individual insurer
(Male, non-smoker, age 24-34)
AgeBowtieAIAManulifeAXACigna
241,2721,8241,6821,8242,140
251,3081,8301,6991,8302,192
261,3561,8621,7391,8622,245
271,4041,8821,7701,8822,300
281,4281,9141,7951,9142,356
291,4521,9461,8181,9462,413
301,4881,9901,8321,9902,472
311,5362,0291,8602,0292,532
321,5962,0611,8872,0612,594
331,6442,0931,9812,0932,657
341,7042,1252,0242,1252,722

These premiums reflect the assumption of a male, non-smoker, between the ages 24-34. This Standard Premium Schedule does not include levy which is collected by the Insurance Authority. For general information on the applicable levy rates, please visit VHIS.gov.hk.

BowtieSuccessfully enroll with promo code "BOWTIE" & get HK$2,000 BowtieCash#
AIANo claims discount of up to 25%
ManulifeEnjoy 10% premium Discount for the first policy year. Promotion period: From July 1, 2020 to October 31, 2020
AXA-
CignaLimited time VHIS upgrade offer: The first 200 applicants can enjoy VHIS Flexi (SMM) benefits while only paying the premium of VHIS Standard plan for the 1st policy year
*Promotional information is subject to change at the discretion of each individual insurer

Standard Plan vs. Flexi Plan

VHIS has two types of Certified Plans: Standard Plan and Flexi Plan. Choosing between the two options requires you to decide whether the minimum coverage you get in a standard plan is sufficient to protect you. If you think you'll need additional coverage, you may be better off looking for a Flexi plan. Note that some standard plans offer extra coverage like compassionate death benefit, and accidental death benefit while others do not.

The VHIS Standard plan is the bare certified minimum coverage for medical insurance. At these levels of coverage, most consumers will face a risk of being underinsured when it matters the most. Although the overall annual limit of HK$420,000 seems sufficient, you must consider that certain benefit items have either their own separate daily limits or annual limits associated with them--limits that can be quickly exhausted in emergencies.

In the event that one of the benefit limits is exhausted in an annual policy year, you will not be able to claim benefits under that line item again until renewal and run the risk of paying out of pocket for future incidents. The VHIS Flexi Plan options will exceed the coverage and protection of the Standard plan and the enhanced coverage options will vary between insurance providers for additional premium.