VHIS Plan
AXA WiseGuard Pro Medical Insurance Plan
AXA安盛智尊守慧醫療保障
AXA China Region Insurance Company (Hong Kong) Limited·24 plan options
Plan options
Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$9,357 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$13,783 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$16,510 /yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$1,170/yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$1,723/yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$2,064/yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$20,769 /yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$2,596/yr
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Deductible
2,500 USD deductible
Entry premium (Age 30 any gender)
US$632/yr
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Deductible
2,500 USD deductible
Entry premium (Age 30 any gender)
US$734/yr
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Deductible
2,500 USD deductible
Entry premium (Age 30 any gender)
US$1,304/yr
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Deductible
2,500 USD deductible
Entry premium (Age 30 any gender)
US$1,700/yr
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Deductible
20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,060 /yr
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Deductible
20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,873 /yr
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Deductible
20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$10,435 /yr
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Deductible
20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$13,603 /yr
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Deductible
6,250 USD deductible
Entry premium (Age 30 any gender)
US$408/yr
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Deductible
6,250 USD deductible
Entry premium (Age 30 any gender)
US$554/yr
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Deductible
6,250 USD deductible
Entry premium (Age 30 any gender)
US$959/yr
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Deductible
6,250 USD deductible
Entry premium (Age 30 any gender)
US$1,341/yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$3,263 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,428 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,672 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$10,730 /yr
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Why so many deductible options?
The deductible is a fixed amount the insured must pay out-of-pocket each policy year before the insurer reimburses anything. The insurer only pays the portion above the deductible. A single VHIS-certified plan can offer multiple deductible levels — a higher deductible means a lower premium; a lower deductible means faster payouts but a higher premium. Which level fits depends on your cash buffer, any MPF/employer medical top-up, and whether you intend to stay in a private or semi-private ward.
Deductibles FAQ →- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Jan 26, 2026
- Last verified
- 2026-04-17