Skip to content

VHIS Plan Comparison Table

Pick up to 3 VHIS plans for a side-by-side comparison of basic + extra coverage and premium-by-age.

Restoring comparison…
Age
Annual Premium
HK$1,500HK$35,500
HK$1,500HK$35,500
02 · Choose plansSelected 0 / 3
Plan 1
579 plans match
Filter plans
More conditions

Standard and Flexi are official plan types. Our Flexi groups describe benefit designs; they are not ratings or recommendations.

How should you compare VHIS plans?

Keep the assumptions consistent before comparing benefits. Filter labels help narrow the list; the benefit schedule and policy terms remain essential.

Match the inputs

Use the same age, sex and smoking status, then match ward class, geographical cover and deductible. Different options are not a like-for-like price comparison.

Read the limits

Check surgery, hospital and treatment limits alongside annual cover, coinsurance and deductibles. Full reimbursement still depends on covered expenses and policy terms.

Test a scenario

Use the same medical case to compare estimated reimbursement and out-of-pocket costs, then weigh the annual premium.

Read the linked methodology and the selected plan’s official documents for sources and limits. VHISGuide is operated by an FWD insurance agent.

Figures come from the insurers' own filings and the official VHIS plan documents. How the data is built →