Compare VHIS

Sun Life | Sun Life 永明

WeHealth Prestige

Semi-Private

Asia

VHIS Flexi

0 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.7 / 10

10-year Avg. Premium

HKD 8,123 /Year

First Year Premium

HKD 8,266

Blue Cross | 藍十字保險

Dynasty VHIS Plan

Semi-Private

Asia

VHIS Flexi

0 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.7 / 10

10-year Avg. Premium

HKD 8,075 /Year

First Year Premium

HKD 8,448

Blue Cross | 藍十字保險

Dynasty VHIS Plan

Semi-Private

Global

VHIS Flexi

0 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.7 / 10

10-year Avg. Premium

HKD 13,094 /Year

First Year Premium

HKD 13,699

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Asia

VHIS Flexi

0 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.4 / 10

10-year Avg. Premium

HKD 9,672 /Year

First Year Premium

HKD 9,672

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Global Ex-US

VHIS Flexi

0 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.4 / 10

10-year Avg. Premium

HKD 10,640 /Year

First Year Premium

HKD 10,640

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Enhance)

Semi-Private

Asia

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 7,491 /Year

First Year Premium

HKD 7,578

Cigna Healthcare | 信諾環球

Cigna VHIS Series – Flexi Plan (Superior)

Semi-Private

Asia

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 8,764 /Year

8,904

First Year Premium

HKD 7,950

9,353

Manulife | 宏利

Manulife Supreme VHIS Flexi Plan (Advance)

Semi-Private

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 10,135 /Year

First Year Premium

HKD 10,072

Prudential | 保誠保險

PRUHealth VHIS VIP Plan

Semi-Private

Asia

VHIS Flexi

0 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

5.9 / 10

10-year Avg. Premium

HKD 10,582 /Year

First Year Premium

HKD 10,964

Prudential | 保誠保險

PRUHealth VHIS VIP Plan

Semi-Private

Global Ex-US

VHIS Flexi

0 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

5.9 / 10

10-year Avg. Premium

HKD 11,640 /Year

First Year Premium

HKD 12,061

Bupa | 保柏

Bupa Hero VHIS Plan (Advance)

Semi-Private

Asia

VHIS Flexi

0 Deductible

9.9

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

8.6 / 10

10-year Avg. Premium

8,521

HKD

8,402

First Year Premium

7,924

HKD 6,735

Bupa | 保柏

Bupa Hero VHIS Plan (Advance Pro)

Semi-Private

Global Ex-US

VHIS Flexi

0 Deductible

9.9

/ 10

10Life Score

 Medical Coverage Score  
 10 / 10   
 Special Feature Score  
 8.6 / 10   
 10-year Avg. Premium  

              HKD
            
 9,577   

First Year Premium

HKD 8,906

FWD | 富衛

vPrime Signature Medical Plan (Standard)

Semi-Private

Asia

VHIS Flexi

0 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

7,885

HKD

7,754

First Year Premium

7,885

HKD 6,571

FWD | 富衛

vPrime Signature Medical Plan (Superior)

Semi-Private

Global Ex-US

VHIS Flexi

0 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

9,389

HKD

9,233

First Year Premium

9,389

HKD 7,825

FWD | 富衛

vPrime Medical Plan

Semi-Private

Asia

VHIS Flexi

0 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

7.9 / 10

10-year Avg. Premium

7,956

HKD

7,823

First Year Premium

7,956

HKD 6,630

Sun Life | Sun Life 永明

WeHealth Prestige

Semi-Private

Asia

VHIS Flexi

0 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

6.7 / 10

10-year Avg. Premium

HKD

8,123

First Year Premium

HKD 8,266

Blue Cross | 藍十字保險

Dynasty VHIS Plan

Semi-Private

Asia

VHIS Flexi

0 Deductible

9.6

/ 10

10Life Score

 Medical Coverage Score  
 10 / 10   
 Special Feature Score  
 6.7 / 10   
 10-year Avg. Premium  

              HKD
            
 8,075   

First Year Premium

HKD 8,448

Blue Cross | 藍十字保險

Dynasty VHIS Plan

Semi-Private

Global

VHIS Flexi

0 Deductible

9.6

/ 10

10Life Score

 Medical Coverage Score  
 10 / 10   
 Special Feature Score  
 6.7 / 10   
 10-year Avg. Premium  

              HKD
            
 13,094   

First Year Premium

HKD 13,699

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Asia

VHIS Flexi

0 Deductible

9.6

/ 10

10Life Score

 Medical Coverage Score  
 10 / 10   
 Special Feature Score  
 6.4 / 10   
 10-year Avg. Premium  

              HKD
            
 9,672   

First Year Premium

HKD 9,672

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Global Ex-US

VHIS Flexi

0 Deductible

9.6

/ 10

10Life Score

 Medical Coverage Score  
 10 / 10   
 Special Feature Score  
 6.4 / 10   
 10-year Avg. Premium  

              HKD
            
 10,640   

First Year Premium

HKD 10,640

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Enhance)

Semi-Private

Asia

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

7,491

First Year Premium

HKD 7,578

Cigna Healthcare | 信諾環球

Cigna VHIS Series – Flexi Plan (Superior)

Semi-Private

Asia

VHIS Flexi

0 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

6.2 / 10

10-year Avg. Premium

8,904

HKD

8,764

First Year Premium

9,353

HKD 7,950

Manulife | 宏利

Manulife Supreme VHIS Flexi Plan (Advance)

Semi-Private

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
            
 10,135   

First Year Premium

HKD 10,072

Prudential | 保誠保險

PRUHealth VHIS VIP Plan

Semi-Private

Asia

VHIS Flexi

0 Deductible

9.5

/ 10

10Life Score

 Medical Coverage Score  
 9.9 / 10   
 Special Feature Score  
 5.9 / 10   
 10-year Avg. Premium  

              HKD
            
 10,582   

First Year Premium

HKD 10,964

Prudential | 保誠保險

PRUHealth VHIS VIP Plan

Semi-Private

Global Ex-US

VHIS Flexi

0 Deductible

9.5

/ 10

10Life Score

 Medical Coverage Score  
 9.9 / 10   
 Special Feature Score  
 5.9 / 10   
 10-year Avg. Premium  

              HKD
            
 11,640   

First Year Premium

HKD 12,061

Bupa | 保柏

Bupa Hero VHIS Plan (Advance)

Semi-Private

Asia

VHIS Flexi

0 Deductible

10Life Score

9.9

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8.6 / 10

10-year Avg. Premium

HKD 8,402 /Year

8,521

First Year Premium

HKD 6,735

7,924

Bupa | 保柏

Bupa Hero VHIS Plan (Advance Pro)

Semi-Private

Global Ex-US

VHIS Flexi

0 Deductible

10Life Score

9.9

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8.6 / 10

10-year Avg. Premium

HKD 9,577 /Year

First Year Premium

HKD 8,906

FWD | 富衛

vPrime Signature Medical Plan (Standard)

Semi-Private

Asia

VHIS Flexi

0 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 7,754 /Year

7,885

First Year Premium

HKD 6,571

7,885

FWD | 富衛

vPrime Signature Medical Plan (Superior)

Semi-Private

Global Ex-US

VHIS Flexi

0 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 9,233 /Year

9,389

First Year Premium

HKD 7,825

9,389

FWD | 富衛

vPrime Medical Plan

Semi-Private

Asia

VHIS Flexi

0 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.9 / 10

10-year Avg. Premium

HKD 7,823 /Year

7,956

First Year Premium

HKD 6,630

7,956

Sun Life | Sun Life 永明

WeHealth Prestige

Semi-Private

Asia

VHIS Flexi

0 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.7 / 10

10-year Avg. Premium

HKD 8,123 /Year

First Year Premium

HKD 8,266

Blue Cross | 藍十字保險

Dynasty VHIS Plan

Semi-Private

Asia

VHIS Flexi

0 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.7 / 10

10-year Avg. Premium

HKD 8,075 /Year

First Year Premium

HKD 8,448

Blue Cross | 藍十字保險

Dynasty VHIS Plan

Semi-Private

Global

VHIS Flexi

0 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.7 / 10

10-year Avg. Premium

HKD 13,094 /Year

First Year Premium

HKD 13,699

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Asia

VHIS Flexi

0 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.4 / 10

10-year Avg. Premium

HKD 9,672 /Year

First Year Premium

HKD 9,672

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Global Ex-US

VHIS Flexi

0 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.4 / 10

10-year Avg. Premium

HKD 10,640 /Year

First Year Premium

HKD 10,640

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Enhance)

Semi-Private

Asia

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 7,491 /Year

First Year Premium

HKD 7,578

Cigna Healthcare | 信諾環球

Cigna VHIS Series – Flexi Plan (Superior)

Semi-Private

Asia

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 8,764 /Year

8,904

First Year Premium

HKD 7,950

9,353

Manulife | 宏利

Manulife Supreme VHIS Flexi Plan (Advance)

Semi-Private

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 10,135 /Year

First Year Premium

HKD 10,072

Prudential | 保誠保險

PRUHealth VHIS VIP Plan

Semi-Private

Asia

VHIS Flexi

0 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

5.9 / 10

10-year Avg. Premium

HKD 10,582 /Year

First Year Premium

HKD 10,964

Prudential | 保誠保險

PRUHealth VHIS VIP Plan

Semi-Private

Global Ex-US

VHIS Flexi

0 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

5.9 / 10

10-year Avg. Premium

HKD 11,640 /Year

First Year Premium

HKD 12,061

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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

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

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.

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.

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.

Who needs VHIS?

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.

Singles

In the event of an injury or illness, VHIS lessens financial burden by offsetting medical expenses or paying for better medical services.

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.

Whatsapp Enquiry

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.

Methodology

Which is the best insurance company for VHIS?

Methodology