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VHIS plans by insurer
Pick an insurer to compare every VHIS plan it sells side-by-side — coverage, region and deductible.
Insurers
30／ of 33
90.9% sellable today
VHIS plans
528／ of 579
91.2% sellable today
DirectoryOfficial data
30 active insurers · compared side-by-side
Showing 33 / 33 insurers
FWD Life Insurance Company (Bermuda) Limited
富衛人壽保險（百慕達）有限公司
54 plans
AIA International Limited
友邦保險（國際）有限公司
51 plans
Manulife (International) Limited
宏利人壽保險（國際）有限公司
48 plans
HSBC Life (International) Limited
滙豐人壽保險（國際）有限公司
43 plans
Chubb Life Insurance Hong Kong Limited
安達人壽保險香港有限公司
40 plans
Bupa (Asia) Limited
保柏（亞洲）有限公司
39 plans
Prudential Hong Kong Limited
保誠保險有限公司
39 plans
AXA China Region Insurance Company (Bermuda) Limited
安盛保險（百慕達）有限公司
37 plans
Chow Tai Fook Life Insurance Co Ltd
周大福人壽保險有限公司
33 plans
Blue Cross (Asia-Pacific) Insurance Limited
藍十字（亞太）保險有限公司
28 plans
YF Life Insurance International Limited
萬通保險國際有限公司
23 plans
Bowtie Life Insurance Company Limited
保泰人壽保險有限公司
15 plans
AXA China Region Insurance Company Limited
安盛金融有限公司
13 plans
Zurich Insurance Company Ltd
蘇黎世保險有限公司
13 plans
China Taiping Life Insurance (Hong Kong) Company Limited
中國太平人壽保險（香港）有限公司
12 plans
Sun Life Hong Kong Limited
香港永明金融有限公司
11 plans
CIGNA Worldwide General Insurance Company Limited
信諾環球保險有限公司
10 plans
Bank of China Group Insurance Company Limited
中銀集團保險有限公司
9 plans
Asia Insurance Company, Limited
亞洲保險有限公司
8 plans
Bolttech Insurance (Hong Kong) Company Limited
保特保險（香港）有限公司
7 plans
Hong Kong Life Insurance Limited
香港人壽保險有限公司
7 plans
MSIG Insurance (Hong Kong) Limited
三井住友海上火災保險（香港）有限公司
7 plans
China Life Insurance (Overseas) Company Limited
中國人壽保險（海外）股份有限公司
6 plans
Liberty International Insurance Limited
利寶國際保險有限公司
6 plans
BOC Group Life Assurance Company Limited
中銀集團人壽保險有限公司
5 plans
Well Link Life Insurance Company Limited
立橋人壽保險有限公司
4 plans
Avo Insurance Company Limited
安我保險有限公司
1 plans
AXA General Insurance Hong Kong Limited
安盛保險有限公司
1 plans
China Taiping Insurance (HK) Company Limited
中國太平保險（香港）有限公司
1 plans
Dah Sing Insurance Company Limited
大新保險有限公司
1 plans
Insurers that have terminated their VHIS registration
Renewals only — data is no longer updated.
Frequently Asked Questions
What is VHIS?
The Health Bureau administers VHIS and certifies individual indemnity hospital insurance products. Insurers are also regulated by the Insurance Authority. Certified plans guarantee renewal to age 100 and cover unknown pre-existing conditions. They generally have no lifetime benefit cap, although qualifying Flexi plans may have one. Source: https://www.vhis.gov.hk/tc/about_us/scheme.html
How many VHIS plans does this site list?
Our current data lists 528 plans open to new business from 30 active insurers. The full list, including inactive companies, contains 33 insurers. These are site counts by plan number and sale status, not a total of all historical versions. Official register: https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html
How do Standard and Flexi plans differ?
Standard plans have standardised minimum terms and benefits. Flexi plans preserve Standard coverage overall while offering higher limits or broader cover. Approved Flexi designs may include deductibles, coinsurance or lifetime caps; compare the associated terms as well. Source: https://www.vhis.gov.hk/doc/tc/information_centre/c_product_compliance_rules_20220701.pdf
Are VHIS premiums tax-deductible?
Eligible policyholders or their spouses not living apart may claim qualifying premiums for themselves or specified relatives. The annual limit is HK$8,000 per taxpayer per insured person, subject to premiums paid and allocation rules. This reduces assessable income; it is not an HK$8,000 tax rebate. Details: /en/tax-deduction. Source: https://www.ird.gov.hk/chi/faq/vhis_qp.htm
How are pre-existing conditions handled?
For unknown pre-existing conditions, Standard plans reimburse 0%, 25% and 50% in policy years 1, 2 and 3, then 100% within benefit limits from year 4. Flexi plans may offer shorter waiting periods or higher percentages. Known conditions must be disclosed for underwriting. Source: https://www.vhis.gov.hk/doc/tc/information_centre/c_cop.pdf
Can I hold VHIS alongside employer medical cover?
Yes. If another insurer has already reimbursed an eligible medical expense, VHIS covers only the unpaid portion under its terms, limits and cost-sharing arrangements. Indemnity benefits cannot reimburse the same expense beyond the actual cost incurred. Source: https://www.vhis.gov.hk/doc/tc/information_centre/c_standard_plan_template.pdf
How does VHIS differ from non-VHIS medical insurance?
Certified VHIS products meet the Health Bureau's scheme requirements and qualifying premiums may be tax-deductible. Non-VHIS products are outside those certification requirements; check each contract's cover and renewal terms. This does not mean their benefits are necessarily inferior or their terms can be changed arbitrarily. Source: https://www.vhis.gov.hk/tc/consumer_corner/list-plans.html