Article Library
Long-form VHIS articles by the VHISGuide editorial team.
From "I Don't Know What I Need" to "I've Picked One": A Complete Guide to VHISGuide's Seven Tools
31 active insurers, over 100 certified VHIS plans in Hong Kong — how does an ordinary consumer choose? VHISGuide offers seven free public tools, from a guided Smart Filter to side-by-side plan comparison, a premium-inflation league table, a health pre-screen, a claim estimator, and a retirement medical-reserve simulator. Each tool maps to a specific decision point in the user journey. This guide walks through each tool's purpose, use case, operation, and output interpretation, and stitches three typical user journeys together to show how the seven tools combine into a complete VHIS selection workflow.
2026-05-24
Medical Inflation in Hong Kong: Why You Become Less Able to Afford Health Insurance As You Age
Hong Kong's life expectancy now stands at 82.7 years for men and 88.2 years for women — and it keeps rising, up roughly 15 years over the past 50. For a 35-year-old today, the medical-coverage planning horizon is not 40 years — it is 50 or more. The same FWD vBooster policy (HK$16,000 deductible) that costs HK$5,736 at age 35 climbs to HK$57,966 at age 85, and the steepest segment of that curve falls in the last decade. This deep dive walks through the numbers, the structural drivers, the retirement cash-flow implications, and the practical preparation paths.
2026-05-23
FWD's 9 VHIS Plans at a Glance: Which One Is Right for You?
FWD offers nine plan series under Hong Kong's Voluntary Health Insurance Scheme (VHIS), ranging from a Standard Plan to flagship private-ward Flexi tiers. This guide unpacks the positioning, coverage highlights, and ideal audience for each of the nine plans.
2026-05-18