VHIS Premium Index
Tracking premium levels across 579 Voluntary Health Insurance Scheme plans and 20 age × gender profiles in Hong Kong. Based at 2019 (= 100).
2026 Q2
Premiums were broadly flat in 2019–2021, then accelerated after 2024 — over 70% of the seven-year rise is concentrated in the last two years.
PREMIUM-RISE RANKING
Which insurers and plan series raised premiums the most?
The same premium-index method, broken down to every insurer and every plan series. The left table is ranked by each insurer's annualized rise; the right table by each plan series' annualized rise. Both use the same measure, so they are directly comparable. All figures are computed from the official VHIS website's (vhis.gov.hk) published premium tables; click through to see the year-by-year repricing record for any insurer or series.
- 1+7.8%/yr
- 2+5.6%/yr
- 3+5.5%/yr
- 4+5.5%/yr
- 5+5.4%/yr
- 6+4.7%/yr
- 7+3.9%/yr
- 8+3.2%/yr
- 9+3.0%/yr
- 10+2.9%/yr
- 1+11.5%/yrannualized
- 2+9.6%/yrannualized
- 3+8.5%/yrannualized
- 4+7.9%/yrannualized
- 5+7.8%/yrannualized
- 6+7.5%/yrannualized
- 7+7.5%/yrannualized
- 8+7.0%/yrannualized
- 9+6.8%/yrannualized
- 10+6.8%/yrannualized
Notes & sources
Note: the plan-series ranking collapses each series' deductible / additional-medical-benefit / co-insurance variants into a single row, taking the highest annualized rise among them. Both tables are sorted by annualized rise (%/yr), so they are directly comparable. Starting price and coverage value matter just as much — the rise is only one data point. Bar length is the relative proportion within each table; the depth of colour indicates how high the rise is.
METHODOLOGY
How is the Premium Index calculated?
Same “matched pairs” method as the official CPI: a premium is only ever compared with the same plan at the same age and gender — one plan, one vote, all 579 plans tracked.
20 age × gender profiles (ages 0–90, male and female), updated quarterly, with 2019 Q2 = 100 as the starting point.
Every premium comes from the official VHIS website's (vhis.gov.hk) published premium tables, so every figure can be traced back to the original document.
A new plan's launch price is not counted as a rise; a plan under 18 months old that has never repriced won't drag the index down with a 0% — it only starts counting once it matures.
About 12.8% (74) of the plans have never raised premiums since launch — 5 of them for over 4 years — so the index rise is driven mainly by the plans that did reprice.
Plans whose premium structure switched between unisex and male/female pricing (an “axis change”) are included, with each side compared against its own previous price.
USD plans are compared in their own currency, so exchange-rate moves don't affect the index.
The index tracks standard premiums only: underwriting loadings and discounts are not included, so what you actually pay may differ.
The index is for reference only and is not investment or insurance advice; see the full methodology for full details.