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VHIS Plan Comparison Table

Compare up to 3 Hong Kong VHIS plans at the same age: annual premiums, potential out-of-pocket costs and the terms that affect reimbursement.

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Start with two plans. Compare the deductible, ward class and annual premium first; then check the detailed limits and conditions below.

  1. Add plan 1: search by plan name or VHIS number, or pick an insurer first

    579 plans match (incl. 44 renewal-only, 7 deregistered)
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    Matches the main coverage category; consult the policy terms for overseas extensions.

    More conditions

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

    Versions

Compare around the decision you need to make

Read the official terms and clearly stated examples, then adjust the age and plans in the comparison tool.

Comparing VHIS plans: common questions

How do I use the VHIS plan comparison table?
Set the insured person's age, gender and smoking status, then pick up to 3 plans. The table lines them up at the same age: annual premium, deductible, ward class, geographical coverage and each benefit limit. You can also view the premium table and historical average increase, or download a PDF.
What should I look at first when comparing VHIS plans?
Start with the annual premium and how it rises with age, then the deductible, ward class, region, and whether each benefit has a dollar cap or is paid in full.Premiums by age →How deductibles work →High-end VHIS comparison →
Can I compare Standard and Flexi Plans together?
Yes. The Standard Plan is the minimum every Certified Plan must meet; Flexi Plans add more on top. Both types can go side by side in the table.Standard Plan guide →Flexi Plan guide →Curated plan comparisons →
Where does the comparison data come from?
Benefits and premiums come from the Certified Plan documents published on the VHIS website, and the table links to the official documents. The site version date is not a plan-verification date.Data and methodology →
Are VHIS premiums tax-deductible?
Yes. Qualifying premiums are deductible up to HK$8,000 per insured person a year, with no limit on the number of insured persons. The deduction is a side benefit; choose a plan on coverage and long-term premiums first.VHIS tax deduction guide →

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