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All 579 VHIS plans in Hong Kong, instant premium for ages 0–99.
We track every registered VHIS provider: 70 product families, 579 plans. Each plan has a year-by-year premium table for ages 0–99, split by gender. Instant quote, no signup.
2026 EDITION · HONG KONG VHIS
Pick the right VHIS plan,
without the guesswork.
Hong Kong’s 33active VHIS carriers publish hundreds of plans with overlapping clauses and incompatible benefit tables. VHISGuide rebuilds every plan from the regulator’s source PDF and exposes the maths behind each reimbursement so you can compare like-for-like.
Author: Leo Chan, FWD-licensed insurance agent · editorial team curated · last verified 2026-06-11
Instant VHIS Premium Quote
579 active VHIS plans · ages 0–99 · instant quote, no signup
579
Certified plans
2026-06-11
Data last verified
↗ +5 last 30dWhy trust us
Four reasons, all backed by data.
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Premium history since 2019.
VHIS launched April 2019. We keep every premium revision since, so you read long-term direction, not a single year's quote.
03
Every brochure, line by line.
Each benefit figure on this site maps to the regulator-filed PDF. When wording changes, we update from the source — never from memory.
04
Side-by-side, on a single yardstick.
Pick any plans you like. We line them up under one classification (basic / additional / cash / event) so differences read at a glance.
Where to start
Five entry points, three ways to compare.
Want the fastest path? Use the Smart Filter at the top — 5 questions, 5 minutes. Want to drive the comparison yourself? The two tools in the middle let you. Want to first understand how VHIS works and which plan family fits your scenario? The two guides at the bottom start from zero.
Smart Filter · 5-question quizfastest path · 5 min
Answer 5 questions and we'll pick the best fit.
Answer 5 questions and we'll filter 579 active VHIS plans into 4 tiers (Entry / Step Up / Best Value / Premium). The quickest way to pick.
Open /smart-filter →
Same yardstick
Every figure ties back to a clause.
We measure all 33 VHIS carriers with the same yardstick.
Here is the yardstick.
- Plan documentsParsed directly from the Insurance Authority’s VHIS Certified Plan Registry (vhis.gov.hk), so every benefit clause traces back to the original document.
- Premium tablesEach carrier's published annual or monthly premium (Bowtie's monthly figures normalised to annual HKD). Historical versions retained for premium-trend tracking.
- Refresh cadenceWhen the regulator publishes a new plan schedule, the site picks it up within three days; reissued plans get re-parsed against the prior version for diff tracking.
Sources: vhis.gov.hk · carrier websites · public reporting · last verified 2026-06-11
This month's record
Most recently refreshed plan versions.
VHIS clauses get tweaked annually — easy to miss. Below are the five most recent Plan Document versions on file.
| Plan | Carrier | Plan date |
|---|---|---|
| Healthy Life Medical Insurance Plan | China Life Insurance (Overseas) Company Limited | 2026-06-01 |
| Healthy Life Premier Medical Insurance Plan - Semi-private | China Life Insurance (Overseas) Company Limited | 2026-06-01 |
| Healthy Life Premier Medical Insurance Plan - Semi-private with SMM | China Life Insurance (Overseas) Company Limited | 2026-06-01 |
| Healthy Life Premier Medical Insurance Plan - Private | China Life Insurance (Overseas) Company Limited | 2026-06-01 |
| Healthy Life Premier Medical Insurance Plan - Private with SMM | China Life Insurance (Overseas) Company Limited | 2026-06-01 |
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