1. Applicable Region / 適用地域
The information on this website is intended only for persons located in the Hong Kong Special Administrative Region. It does NOT constitute any offer, invitation, solicitation, recommendation, or sale of insurance products outside Hong Kong. If you are not located in Hong Kong, please leave this website now.
本網站之資料僅供身處香港特別行政區之人士參考，並不構成於香港境外作出的任何保險產品要約、邀請、招攬、推薦或銷售。如閣下並非身處香港，請即時離開本網站。
2. Purpose / 用途
This website ("VHISGuide", VHISGuide.com) provides comparison information, premium trend analysis, and reimbursement calculators for Hong Kong Voluntary Health Insurance (VHIS) plans for reference and educational purposes only. It does NOT constitute insurance advice, recommendations, or any form of professional financial / medical advice.
本網站「VHISGuide 自願醫保攻略網」(VHISGuide.com) 提供香港自願醫保計劃 (VHIS) 的資料對比、保費走勢分析、及賠償試算工具，僅供參考及教育用途，並非保險意見、推薦或任何形式的專業財務 / 醫療建議。
3. Data Source & Accuracy / 資料來源及準確性
Plan data is sourced primarily from the VHIS Certified Plan Registry (vhis.gov.hk) and insurers' published terms. We make best-effort to keep data accurate but terms and premiums may update; users must verify against the insurer's official documents before any purchase decision.
計劃資料來源主要為自願醫保認可產品名冊 (vhis.gov.hk) 及各保險公司公佈之保單條款。本站盡力保持資料準確，但條款及保費可能更新；任何投保決定前，請以保險公司最新官方文件為準。
4. Reimbursement Calculator / 賠償試算工具
The reimbursement calculator estimates payouts based on hypothetical case-cost scenarios and each plan's structured terms. Actual reimbursements depend on policy terms, waiting periods, pre-existing conditions, coinsurance, deductibles, pre-authorization, and other underwriting factors and may differ from our estimates.
理賠預算工具基於假設費用情境及每份計劃結構性條款計算，僅為粗略估算。實際賠付會受保單條款、等候期、既往症、共同保險、自付費、預先批核等因素影響，並可能與本站估算不同。
5. Case-Study Costs / 案例費用
Case-study medical costs are reference figures aggregated from publicly published HK private hospital fee schedules. Actual bills vary significantly by doctor, hospital, complexity, and surgical technique.
案例研究中的醫療費用為香港私家醫院公開公佈的參考數據綜合估算，實際醫院賬單會因醫生、醫院、病情複雜度、手術方式而有大幅差異。
6. Risk & Liability / 風險及責任
Use of this website is entirely at your own risk. The site and its operators shall not be liable for any direct, indirect, incidental, or consequential losses arising from use of or reliance on the information herein.
使用本網站完全屬閣下自願行為。本站及其營運者對因使用、依賴本網站資料而引致之任何直接、間接、偶發或後果性損失，概不負責。
7. Consent / 同意條款
By clicking "我同意 / I Accept" you confirm you are located in Hong Kong and have read, understood, and accepted all of the above terms.
按下「我同意 / I Accept」即表示閣下確認身處香港、已閱讀、明白並同意以上所有條款。
This site uses localStorage to remember your acceptance. / 本站使用 localStorage 記錄您的同意
