VHIS · Step Up
This page lines up 6 flagship Step Up VHIS plans — Chubb VHIS - Flexi Plan - Classic (HKD), vCare Medical Plan, PRUHealth FlexiChoice Medical Plan - Ward (HKD), Smart Medicare - Regular (HKD), Manulife First VHIS Flexi Plan - Ward and AIA Voluntary Health Insurance Flexi Scheme - Ward (HKD) — 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 | Chubb VHIS - Flexi Plan - Classic (HKD)Chubb Life Insurance Hong Kong Limited | vCare Medical PlanFWD Life Insurance Company (Bermuda) Limited | PRUHealth FlexiChoice Medical Plan - Ward (HKD)Prudential Hong Kong Limited | Smart Medicare - Regular (HKD)AXA China Region Insurance Company (Hong Kong) Limited | Manulife First VHIS Flexi Plan - WardManulife (International) Limited | AIA Voluntary Health Insurance Flexi Scheme - Ward (HKD)AIA International Limited |
|---|---|---|---|---|---|---|
| Plan type | Flexi | Flexi | Flexi | Flexi | Flexi | Flexi |
| Insurer | Chubb Life Insurance Hong Kong Limited | FWD Life Insurance Company (Bermuda) Limited | Prudential Hong Kong Limited | AXA China Region Insurance Company (Hong Kong) Limited | Manulife (International) Limited | AIA International Limited |
| Ward class | Ward | Ward | Ward | Ward | Ward | Ward |
| Annual benefit limit | HK$500,000 | HK$520,000▲ | Full cover / not stated | Full cover / not stated | Full cover / not stated | Full cover / not stated |
| 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 | 每傷病每保單年度網絡 $120,000；非網絡 $100,000；網絡 15% / 非網絡 20% 共同保險 |
| 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$6,339 | HK$4,033 | HK$4,699 | HK$3,476 | HK$3,693 | HK$6,549▲ |
| Data version | Apr 1, 2025 | Feb 2, 2026 | Oct 1, 2025 | Jan 26, 2026 | Dec 5, 2025 | Jul 15, 2025 |
▲ 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.
Chubb Life Insurance Hong Kong Limited · Cert. no. F00027-01-000-03
Chubb VHIS - Flexi Plan - Classic (HKD) is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of HK$500,000 and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide.
FWD Life Insurance Company (Bermuda) Limited · Cert. no. F00015-01-000-03
vCare Medical Plan is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of HK$520,000 and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide.
Prudential Hong Kong Limited · Cert. no. F00013-01-000-06
PRUHealth FlexiChoice Medical Plan - Ward (HKD) is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of Full cover / not stated and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide.
AXA China Region Insurance Company (Hong Kong) Limited · Cert. no. F00017-01-000-04
Smart Medicare - Regular (HKD) is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of Full cover / not stated and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide.
Manulife (International) Limited · Cert. no. F00019-01-000-06
Manulife First VHIS Flexi Plan - Ward is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of Full cover / not stated and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide.
AIA International Limited · Cert. no. F00022-01-000-03
AIA Voluntary Health Insurance Flexi Scheme - Ward (HKD) is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of Full cover / not stated 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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