Skip to content
VHISGuide
Menu

Contact Us

Free consultation: understand first, then decide

Choosing medical cover is not just about comparing terms and premiums. How you disclose at underwriting, how a claim is prepared, and what to watch at renewal are usually what decide the payout. I'm a licensed FWD agent (IA #JF4352, 2026 MDRT) focused on medical protection, and I handle every case myself — from application through to claims.

How I am paid: if you take out an FWD plan through me, I receive a commission from FWD; you do not pay any separate fee.

Or email leo@vhisguide.com

Leo Chan — FWD-appointed agent, author of VHISGuide
IA #JF43522026 MDRTFWD H&P Ambassador (守護大使)

Insurance & wealth-planning services I offer

Personal Protection

Medical Insurance

Compare VHIS plans from all 30 Hong Kong insurers, then choose by budget and health. I can only arrange FWD plans; for another insurer's plan, please contact that insurer or its agent directly.

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.

Personal 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.

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

More about how I work:Beginner Guide →Journal →Become an insurance agent →

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 not FWD's official website; it is a VHIS plan comparison tool operated by Leo Chan personally. Leo is an FWD-appointed licensed agent (IA #JF4352) and earns commission from FWD if you buy an FWD plan through him. 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 one-to-one VHIS consultation is free. If you ultimately decide to take out an FWD plan through Leo, he will handle it as an FWD-appointed licensed agent and will receive a commission from FWD; you do not need to pay any separate fee.