VHIS · High-end
This page lines up 6 flagship High-end VHIS plans — HSBC Voluntary Health Insurance Flexi Plan - Bronze level, AXA WiseGuard Pro Medical Insurance Plan - Regular, Chubb VHIS - Superb Plan, AIA Voluntary Health Insurance Prime Scheme, Manulife Supreme Lite VHIS Supplementary Benefit - Smart and Bupa Hero VHIS Plan - Core — 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 | HSBC Voluntary Health Insurance Flexi Plan - Bronze levelHSBC Life (International) Limited | AXA WiseGuard Pro Medical Insurance Plan - RegularAXA China Region Insurance Company (Hong Kong) Limited | Chubb VHIS - Superb PlanChubb Life Insurance Hong Kong Limited | AIA Voluntary Health Insurance Prime SchemeAIA International Limited | Manulife Supreme Lite VHIS Supplementary Benefit - SmartManulife (International) Limited | Bupa Hero VHIS Plan - CoreBupa (Asia) Limited |
|---|---|---|---|---|---|---|
| Plan type | Flexi | Flexi | Flexi | Flexi | Flexi | Flexi |
| Insurer | HSBC Life (International) Limited | AXA China Region Insurance Company (Hong Kong) Limited | Chubb Life Insurance Hong Kong Limited | AIA International Limited | Manulife (International) Limited | Bupa (Asia) Limited |
| Ward class | Ward | Ward | Ward | Semi-Private Room（HK / Macau / Mainland） Standard Private Room（Rest of Asia） Standard Private Room（Outside Asia (emergency)） | Ward | Ward |
| Annual benefit limit | HK$5,000,000 | HK$5,000,000 | HK$6,000,000▲ | HK$5,000,000 | HK$4,906,250 | HK$5,000,000 |
| Lifetime benefit limit | HK$20,000,000 | Full cover / not stated | Full cover / not stated | HK$20,000,000 | HK$19,625,000 | 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 | Greater China | Greater China | Greater China | Asia | Asia incl. AU/NZ | Asia incl. AU/NZ |
| 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 | Full cover | Full cover | Full cover | Full cover | Full cover | Full cover |
| Reference premium (age 40, non-smoker)Annual premium (HKD) | HK$10,926 | HK$12,463 | HK$11,581 | HK$19,312▲ | HK$11,453 | HK$10,532 |
| Data version | Apr 16, 2025 | Jan 26, 2026 | Dec 16, 2025 | Jul 15, 2025 | Dec 29, 2025 | Mar 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.
HSBC Life (International) Limited · Cert. no. F00049-01-000-03
HSBC Voluntary Health Insurance Flexi Plan - Bronze level is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of HK$5,000,000 and a lifetime limit of HK$20,000,000; geographical coverage is Greater China.
AXA China Region Insurance Company (Hong Kong) Limited · Cert. no. F00034-01-000-05
AXA WiseGuard Pro Medical Insurance Plan - Regular is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of HK$5,000,000 and a lifetime limit of Full cover / not stated; geographical coverage is Greater China.
Chubb Life Insurance Hong Kong Limited · Cert. no. F00082-01-000-01
Chubb VHIS - Superb Plan is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of HK$6,000,000 and a lifetime limit of Full cover / not stated; geographical coverage is Greater China.
AIA International Limited · Cert. no. F00025-01-000-03
AIA Voluntary Health Insurance Prime Scheme is a Flexi VHIS plan with a Semi-Private Room ward class, an annual benefit limit of HK$5,000,000 and a lifetime limit of HK$20,000,000; geographical coverage is Asia.
Manulife (International) Limited · Cert. no. F00071-13-000-03
Manulife Supreme Lite VHIS Supplementary Benefit - Smart is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of HK$4,906,250 and a lifetime limit of HK$19,625,000; geographical coverage is Asia incl. AU/NZ.
Bupa (Asia) Limited · Cert. no. F00040-17-000-02
Bupa Hero VHIS Plan - Core is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of HK$5,000,000 and a lifetime limit of Full cover / not stated; geographical coverage is Asia incl. AU/NZ.
Use the custom comparison tool to line these plans up against options from other insurers.
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