Book now: find the right VHIS plan for you

Data shows the trends; expert interpretation gives them meaning. Across the complexity of VHIS terms, I'll bring a developer's rigour to safeguard your interests — using deep data comparison to help you secure the strongest protection your policy can offer.

WhatsApp me

Or email leo@vhisguide.com

Leo Chan — FWD-appointed agent, author of VHISGuide

Why VHISGuide.com exists

Hong Kong has 500+ VHIS plans, and friends keep asking me: "Which one is best?" Honestly — there is no single best, only the right fit. But market information stays scattered, which makes the decision hard.

So I built this site to use AI and visualisation to make the complex data legible. I'm a licensed FWD agent — in my professional capacity I'll always recommend my own products fully; but on this site I want to first use data to help you see the whole picture. If you like this kind of straight-talking, take-it-seriously approach, get in touch.

IA #JF43522026 MDRTFWD H&P Ambassador (守護大使)

Insurance & wealth-planning services I offer

Authorised by FWD Life Insurance (Bermuda) Limited — Licensed Insurance Intermediary (IA #JF4352)

Personal

Protection

Medical Insurance

VHIS comparison across all 31 Hong Kong insurers — fitted to your budget and health profile.

Critical Illness Insurance

Term and whole-life critical illness cover with multi-claim payout structures across life stages.

Life Insurance

Term, whole-life, savings-linked, and IUL plans matched to each stage of life.

Personal Accident

Personal accident cover for daily mishaps, sports injuries, and overseas travel.

Wealth Management

Savings Plans

Mid- to long-term savings plans balancing guaranteed returns and non-guaranteed bonuses.

Retirement Planning

Annuity and savings combinations designed around your retirement lifestyle.

QDAP — Qualifying Deferred Annuity

Qualifying Deferred Annuity Policy with up to HK$60,000 annual tax deduction.

Personal MPF Account Consolidation

Consolidate the personal MPF accounts you've built up across past employers into a single manageable account.

Corporate

Corporate MPF

Tailor-made MPF schemes for companies of all sizes with management-fee discounts.

Group Medical

Tailored employee medical benefits for SMEs, from 4-person teams to several hundred staff.

More about how I work:Beginner Guide →Journal →

Frequently Asked Questions

How do I reach Leo Chan?

WhatsApp first — the contact button on this page opens a pre-filled WhatsApp message; typical reply time is within 24 hours. Email also works if you prefer, but WhatsApp is faster.

Is Leo Chan a licensed insurance agent?

Yes. Leo Chan holds a licence from the Hong Kong Insurance Authority (IA), licence number IA #JF4352, currently appointed by FWD Life Insurance Company (Bermuda) Limited. You can verify this against the public IA register (https://iir.ia.org.hk) using the licence number.

Is VHISGuide an official FWD website?

No. VHISGuide is operated by Leo Chan personally as a VHIS plan comparison tool; the site is not affiliated with any insurance company. Leo is an FWD-appointed licensed agent (IA #JF4352), and when introducing plans he follows IA's licensee conduct requirements — there is no FWD-only push because of the agency relationship.

Is there a fee for the consultation?

The 30-minute 1-on-1 VHIS consultation is free. If you ultimately choose to take out an FWD plan through Leo, he'll handle it as an FWD-appointed agent; any commission is paid by FWD and does not affect your premium.