VHISGuide 自願醫保攻略網 — Your #1 VHIS Resource

“Today's premium is not tomorrow's premium.”

VHIS premiums rise by an average of 3–5% per year.

Use this simulator to project premiums 20 or 30 years out — and make sure rising medical costs don't erode your retirement reserves.

Step 1: Pick your VHIS planChoose up to two plans

Plan 1
Age range30 – 99
099
Gender
Smoking
Standard
Standard+25%+50%+75%+100%+200%

Premium preview

Pick a plan to preview premiums.

Age range

Pick a plan to preview premiums.
2.5%

VHIS premiums have averaged roughly 3–5% annual increase in recent years.

▸How do different inflation rates affect the plan?
▶ Low (2–3% / yr) — close to Hong Kong's long-run CPI. 30-year premium total ≈ ×1.8–2.4; a savings IRR of 4–5% covers the full horizon. ▶ Medium (4–5% / yr) — VHIS industry historical average (this site's 70-series dataset). 30-year premium total ≈ ×3.2–4.3; you need a 6–7% IRR to keep up. ▶ High (6–8% / yr) — observed for some high-deductible / legacy series. 30-year premium total ≈ ×5.7–10; needs an aggressive savings mix or a long-dated plan delivering 8%+ IRR. ▶ Stress test recommended: run your base case once, then again with +2%, and check whether your savings IRR cushion absorbs the upside scenario.

Inflation comparison

X-axis: age, Y-axis: yearly premium (HKD)
Pick a plan to preview premiums.

Premiums rise every year — will you still afford them after retirement?

Seeing your lifetime premium total above can feel heavy.

The good news: premium costs can be actively managed and optimised. Through our proprietary analysis tool, we evaluate the right financial plan for you against age, coverage goals, sum assured, and the par-plan dividend fulfilment ratio — so you can secure equivalent or stronger protection at a budget that actually fits.

Want to explore how to optimise your premium structure?

WhatsApp Leo Chan (licensed FWD intermediary, IA #JF4352) for a consultation.

💬 WhatsApp Leo