VHIS · Itemised Limits
This page lines up 6 flagship Itemised Limits VHIS plans — Chubb VHIS - Flexi Plan - Classic (HKD), vCare Medical Plan, PRUHealth FlexiChoice Medical Plan - Ward (HKD), Smart Medicare - Regular (HKD), Manulife First VHIS Flexi Plan - Ward and AIA Voluntary Health Insurance Flexi Scheme - Ward (HKD) — side by side across ward class, benefit limits, geographical coverage and reference premium, so you can see where each one sits on each dimension.
The plans are ordered by coverage breadth, not by preference. There is no single best plan — the right choice depends on your budget, treatment region and family needs, ideally after a financial needs analysis.
| Item | Chubb VHIS - Flexi Plan - Classic (HKD)Chubb Life Insurance Hong Kong Limited | vCare Medical PlanFWD Life Insurance Company (Bermuda) Limited | PRUHealth FlexiChoice Medical Plan - Ward (HKD)Prudential Hong Kong Limited | Smart Medicare - Regular (HKD)AXA China Region Insurance Company (Bermuda) Limited | Manulife First VHIS Flexi Plan - WardManulife (International) Limited | AIA Voluntary Health Insurance Flexi Scheme - Ward (HKD)AIA International Limited |
|---|---|---|---|---|---|---|
| Plan type | Flexi | Flexi | Flexi | Flexi | Flexi | Flexi |
| Insurer | Chubb Life Insurance Hong Kong Limited | FWD Life Insurance Company (Bermuda) Limited | Prudential Hong Kong Limited | AXA China Region Insurance Company (Bermuda) Limited | Manulife (International) Limited | AIA International Limited |
| Ward class | Ward | Ward | Ward | Ward | Ward | Ward |
| Annual benefit limit | HK$500,000 | HK$520,000▲ | Full cover / not stated | Full cover / not stated | Full cover / not stated | Full cover / not stated |
| Lifetime benefit limit | Full cover / not stated | Full cover / not stated | Full cover / not stated | Full cover / not stated | Full cover / not stated | Full cover / not stated |
| Per-illness annual limit | Full cover / not stated | Full cover / not stated | Full cover / not stated | Full cover / not stated | Full cover / not stated | Full cover / not stated |
| DeductibleCompared at the lowest-deductible variant | $0 | $0 | $0 | $0 | $0 | $0 |
| Geographical coverage | Worldwide (including United States) | Worldwide (including United States) | Worldwide (including United States) | Worldwide (including United States) | Worldwide (including United States) | Worldwide (including United States) |
| Supplementary Major Medical (SMM) | No supplementary cover / not stated | No supplementary cover / not stated | No supplementary cover / not stated | No supplementary cover / not stated | No supplementary cover / not stated | 每傷病每保單年度網絡 $120,000；非網絡 $100,000；網絡 15% / 非網絡 20% 共同保險 |
| Full-cover basic ward | Not stated | Not stated | Not stated | Not stated | Not stated | Not stated |
| Reference premium (age 40, non-smoker)Annual premium (HKD) | HK$6,972▲ | HK$4,033 | HK$4,935 | HK$3,645 | HK$3,952 | HK$6,810 |
| Data version | Apr 1, 2025 | Feb 2, 2026 | Oct 1, 2025 | Jul 2, 2026 | Jun 29, 2026 | Jul 15, 2026 |
▲ marks the larger figure on that row — an objective numeric comparison, not a verdict. “Full cover / not stated” means the policy sets no explicit cap or the document does not list one.
Chubb Life Insurance Hong Kong Limited · Cert. no. F00027-01-000-03
Chubb VHIS - Flexi Plan - Classic (HKD) is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of HK$500,000 and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide (including United States).
FWD Life Insurance Company (Bermuda) Limited · Cert. no. F00015-01-000-03
vCare Medical Plan is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of HK$520,000 and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide (including United States).
Prudential Hong Kong Limited · Cert. no. F00013-01-000-06
PRUHealth FlexiChoice Medical Plan - Ward (HKD) is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of Full cover / not stated and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide (including United States).
AXA China Region Insurance Company (Bermuda) Limited · Cert. no. F00017-01-000-04
Smart Medicare - Regular (HKD) is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of Full cover / not stated and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide (including United States).
Manulife (International) Limited · Cert. no. F00019-01-000-07
Manulife First VHIS Flexi Plan - Ward is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of Full cover / not stated and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide (including United States).
AIA International Limited · Cert. no. F00022-01-000-03
AIA Voluntary Health Insurance Flexi Scheme - Ward (HKD) is a Flexi VHIS plan with a Ward ward class, an annual benefit limit of Full cover / not stated and a lifetime limit of Full cover / not stated; geographical coverage is Worldwide (including United States).
Use the custom comparison tool to line these plans up against options from other insurers.
Compare these plans yourself →VHISGuide compares Hong Kong VHIS (Voluntary Health Insurance Scheme) plans and offers reference tools for estimating premiums and medical costs.
Run by Leo Chan, a licensed insurance intermediary appointed by FWD Life Insurance (Bermuda) Limited (IA #JF4352).
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This website ("VHISGuide", VHISGuide.com) provides comparison information, premium trend analysis, and reimbursement calculators for Hong Kong Voluntary Health Insurance (VHIS) plans for reference and educational purposes only. It does NOT constitute insurance advice, recommendations, or any form of professional financial / medical advice.
本網站「VHISGuide 自願醫保攻略網」(VHISGuide.com) 提供香港自願醫保計劃 (VHIS) 的資料對比、保費走勢分析、及賠償試算工具，僅供參考及教育用途，並非保險意見、推薦或任何形式的專業財務 / 醫療建議。
Plan data is sourced primarily from the VHIS Certified Plan Registry (vhis.gov.hk) and insurers' published terms. We make best-effort to keep data accurate but terms and premiums may update; users must verify against the insurer's official documents before any purchase decision.
計劃資料來源主要為自願醫保認可產品名冊 (vhis.gov.hk) 及各保險公司公佈之保單條款。本站盡力保持資料準確，但條款及保費可能更新；任何投保決定前，請以保險公司最新官方文件為準。
The reimbursement calculator estimates payouts based on hypothetical case-cost scenarios and each plan's structured terms. Actual reimbursements depend on policy terms, waiting periods, pre-existing conditions, coinsurance, deductibles, pre-authorization, and other underwriting factors and may differ from our estimates.
理賠預算工具基於假設費用情境及每份計劃結構性條款計算，僅為粗略估算。實際賠付會受保單條款、等候期、既往症、共同保險、自付費、預先批核等因素影響，並可能與本站估算不同。
Case-study medical costs are reference figures aggregated from publicly published HK private hospital fee schedules. Actual bills vary significantly by doctor, hospital, complexity, and surgical technique.
案例研究中的醫療費用為香港私家醫院公開公佈的參考數據綜合估算，實際醫院賬單會因醫生、醫院、病情複雜度、手術方式而有大幅差異。
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