VHIS · Entry-level Pick
This page lines up 6 flagship Entry-level Pick VHIS plans — AIA Voluntary Health Insurance Standard Scheme, AXA WiseGuard Medical Insurance Plan, Bupa MyBasic VHIS Plan, PRUHealth CoreChoice Medical Plan, Manulife Shelter VHIS Standard Plan and vCore Medical Plan — side by side across ward class, benefit limits, geographical coverage and reference premium, so you can see where each one sits on each dimension.
The plans are ordered by coverage breadth, not by preference. There is no single best plan — the right choice depends on your budget, treatment region and family needs, ideally after a financial needs analysis.
| Item | AIA Voluntary Health Insurance Standard SchemeAIA International Limited | AXA WiseGuard Medical Insurance PlanAXA China Region Insurance Company (Hong Kong) Limited | Bupa MyBasic VHIS PlanBupa (Asia) Limited | PRUHealth CoreChoice Medical PlanPrudential Hong Kong Limited | Manulife Shelter VHIS Standard PlanManulife (International) Limited | vCore Medical PlanFWD Life Insurance Company (Bermuda) Limited |
|---|---|---|---|---|---|---|
| Plan type | Standard | Standard | Standard | Standard | Standard | Standard |
| Insurer | AIA International Limited | AXA China Region Insurance Company (Hong Kong) Limited | Bupa (Asia) Limited | Prudential Hong Kong Limited | Manulife (International) Limited | FWD Life Insurance Company (Bermuda) Limited |
| Ward class | N/A (capped) | N/A (capped) | N/A (capped) | N/A (capped) | N/A (capped) | N/A (capped) |
| Annual benefit limit | HK$420,000 | HK$420,000 | HK$420,000 | HK$420,000 | HK$420,000 | HK$420,000 |
| Lifetime benefit limit | Full cover / not stated | Full cover / not stated | Full cover / not stated | Full cover / not stated | Full cover / not stated | Full cover / not stated |
| Per-illness annual limit | Full cover / not stated | Full cover / not stated | Full cover / not stated | Full cover / not stated | Full cover / not stated | Full cover / not stated |
| DeductibleCompared at the lowest-deductible variant | $0 | $0 | $0 | $0 | $0 | $0 |
| Geographical coverage | Worldwide | Worldwide | Worldwide | Worldwide | Worldwide | Worldwide |
| Supplementary Major Medical (SMM) | No supplementary cover / not stated | No supplementary cover / not stated | No supplementary cover / not stated | No supplementary cover / not stated | No supplementary cover / not stated | No supplementary cover / not stated |
| Full-cover basic ward | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
| Reference premium (age 40, non-smoker)Annual premium (HKD) | HK$2,846 | HK$2,852 | HK$4,796▲ | HK$3,537 | HK$2,481 | HK$3,265 |
| Data version | Jul 15, 2025 | Jan 26, 2026 | Mar 2, 2026 | Oct 1, 2025 | Dec 5, 2025 | Feb 2, 2026 |
▲ marks the larger figure on that row — an objective numeric comparison, not a verdict. “Full cover / not stated” means the policy sets no explicit cap or the document does not list one.
AIA International Limited · Cert. no. S00013-01-000-02
AIA Voluntary Health Insurance Standard Scheme is a Standard VHIS plan with a N/A (capped) ward class, an annual benefit limit of HK$420,000 and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide.
AXA China Region Insurance Company (Hong Kong) Limited · Cert. no. S00014-01-000-03
AXA WiseGuard Medical Insurance Plan is a Standard VHIS plan with a N/A (capped) ward class, an annual benefit limit of HK$420,000 and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide.
Bupa (Asia) Limited · Cert. no. S00020-01-000-02
Bupa MyBasic VHIS Plan is a Standard VHIS plan with a N/A (capped) ward class, an annual benefit limit of HK$420,000 and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide.
Prudential Hong Kong Limited · Cert. no. S00026-01-000-02
PRUHealth CoreChoice Medical Plan is a Standard VHIS plan with a N/A (capped) ward class, an annual benefit limit of HK$420,000 and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide.
Manulife (International) Limited · Cert. no. S00034-01-000-03
Manulife Shelter VHIS Standard Plan is a Standard VHIS plan with a N/A (capped) ward class, an annual benefit limit of HK$420,000 and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide.
FWD Life Insurance Company (Bermuda) Limited · Cert. no. S00036-01-000-03
vCore Medical Plan is a Standard VHIS plan with a N/A (capped) ward class, an annual benefit limit of HK$420,000 and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide.
Use the custom comparison tool to line these plans up against options from other insurers.
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