VHIS Market WatchFriday, 24 July 2026

The Market This Week

Premiums up 19.1% over seven years — and the hikes aren’t over

Since VHIS launched in 2019, the age-matched, plan-matched premium index has risen from a base of 100 to where it stands today. This week alone, 4 insurers raised premiums and 1 left the market.

119.1

Latest
2026 Q2

▲+19.1%cumulative since 20192.53% / yr avg

Quarter to date120.3↗ +1.0%provisional · incl. July increases

VHIS Premium Index · base 100

┄ Quarter to date (prov.)

This week's stories

Premiums2026-07-15

AIA reprices 41 VHIS plans — 4.0–9.8%

AIA updated premiums on 41 VHIS plans on 15 Jul; median increases run 4.0–9.8%.

See AIA's premium trend →

Median premium increase

4.0–9.8%

41 plans

Plan updates2026-07-23

FWD 至衛一: Greater China top-up display corrected

The 至衛一 series benefit-limit display has been corrected — the base annual limit is shown as the headline again, with the Greater China top-up listed separately, to avoid a misleading summed figure.

Data correction

All 24 tiers

Insurers2026-07-17Breaking

ZA exits the VHIS market

ZA Life ceased its VHIS registration on 17 July. Its sole plan, ZA VHIS, is now renewal-only and closed to new customers — the third provider to leave the Standard-plan market.

See which providers have left →

Renewal only

Closed to new customers

Premiums2026-07-02

AXA reprices 24 VHIS plans — 4.9–5.0%

AXA updated premiums on 24 VHIS plans on 2 Jul; median increases run 4.9–5.0%.

4.9–5.0%

24 plans

Premiums2026-07-01

Cigna reprices 10 VHIS plans — 2.6–13.5%

Cigna updated premiums on 10 VHIS plans on 1 Jul; median increases run 2.6–13.5%.

2.6–13.5%

10 plans

Premiums2026-06-29

Manulife raises 10 VHIS plans by 7.0%

Manulife lifted premiums on all 10 of its VHIS plans by a uniform 7.0% on 29 Jun.

+7.0%

10 plans · uniform

Index2026 Q2

VHIS Premium Index reaches 119.1 — 2.53% compound annual rise

As of 2026 Q2, VHIS premiums are up 19.1% cumulatively from the 2019 base, with 522 plans matched this quarter. The climb has accelerated markedly over the past three years.

119.1

+19.1% cumulative

All updates →

Disclosure

Leo Chan · FWD-licensed agent

★ FWD-licensed agent

I’m a licensed insurance agent appointed by FWD Life Insurance (HK) Ltd. — but on this site I measure every one of the 30 active VHIS carriers with the same yardstick. The plan-selection logic and the integrity of the data matter more to me than which carrier signs the policy.

If after reading you'd like to chat about going with FWD, or just want to call out a mistake on the site, WhatsApp me. 30 minutes free, no intake form needed.

WhatsApp Leo →Detailed contact

Full disclosure + onboarding flow → /contact

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