VHIS Plan
CareForYou Super Flexi Plan for VHIS - Plan
「只衛您」超卓靈活自願醫保計劃-計劃
Blue Cross (Asia-Pacific) Insurance Limited·10 plan options
CareForYou Super Flexi Plan for VHIS - Plan is a VHIS Flexi plan offered by Blue Cross (Asia-Pacific) Insurance Limited, with ward class Standard Private Room and Worldwide (including United States) coverage. Latest plan-document version: Jan 1, 2026.
01 · Plan options
10 options — premiums differ; deductible, ward class or cover may also differPlan option
A
Entry premium (Age 30 male non-smoker)
HK$15,264 /yr
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Plan option
A with SMM (No Coinsurance)
Entry premium (Age 30 male non-smoker)
HK$20,718 /yr
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Plan option
A with SMM (with 20% Coinsurance)
Entry premium (Age 30 male non-smoker)
HK$19,354 /yr
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Plan option
B
Entry premium (Age 30 male non-smoker)
HK$8,514 /yr
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Plan option
B with SMM (No Coinsurance)
Entry premium (Age 30 male non-smoker)
HK$11,730 /yr
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Plan option
B with SMM (with 20% Coinsurance)
Entry premium (Age 30 male non-smoker)
HK$10,923 /yr
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Plan option
C
Entry premium (Age 30 male non-smoker)
HK$4,919 /yr
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Plan option
C with SMM (No Coinsurance)
Entry premium (Age 30 male non-smoker)
HK$6,911 /yr
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Plan option
C with SMM (with 20% Coinsurance)
Entry premium (Age 30 male non-smoker)
HK$6,413 /yr
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Plan option
D with SMM (with 20% Coinsurance)
Entry premium (Age 30 male non-smoker)
HK$5,165 /yr
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02 · Premiums by age
Yearly premium of every option by age and sex| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| A | HK$13,193 | HK$11,596 | HK$14,416 | HK$15,264 | HK$21,830 | HK$31,981 | HK$56,369 | HK$84,833 | HK$107,787 |
| A with SMM (No Coinsurance) | HK$18,153 | HK$16,557 | HK$19,376 | HK$20,718 | HK$29,893 | HK$45,278 | HK$77,556 | HK$117,249 | HK$176,453 |
| A with SMM (with 20% Coinsurance) | HK$16,909 | HK$15,317 | HK$18,134 | HK$19,354 | HK$27,876 | HK$41,953 | HK$72,261 | HK$109,145 | HK$163,325 |
| B | HK$8,061 | HK$6,575 | HK$7,959 | HK$8,514 | HK$12,347 | HK$20,682 | HK$36,108 | HK$54,337 | HK$66,153 |
| B with SMM (No Coinsurance) | HK$10,981 | HK$9,495 | HK$10,877 | HK$11,730 | HK$17,032 | HK$28,408 | HK$48,420 | HK$73,579 | HK$106,129 |
| B with SMM (with 20% Coinsurance) | HK$10,251 | HK$8,763 | HK$10,147 | HK$10,923 | HK$15,862 | HK$26,476 | HK$45,340 | HK$68,770 | HK$98,615 |
| C | HK$4,825 | HK$3,927 | HK$4,509 | HK$4,919 | HK$7,347 | HK$12,224 | HK$21,924 | HK$32,270 | HK$40,307 |
| C with SMM (No Coinsurance) | HK$6,653 | HK$5,755 | HK$6,339 | HK$6,911 | HK$10,210 | HK$16,923 | HK$29,406 | HK$44,149 | HK$64,900 |
| C with SMM (with 20% Coinsurance) | HK$6,198 | HK$5,299 | HK$5,881 | HK$6,413 | HK$9,498 | HK$15,746 | HK$27,538 | HK$41,181 | HK$60,265 |
| D with SMM (with 20% Coinsurance) | HK$5,067 | HK$4,125 | HK$4,734 | HK$5,165 | HK$7,716 | HK$12,838 | HK$23,023 | HK$33,886 | HK$49,591 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| A | HK$13,193 | HK$11,596 | HK$15,228 | HK$16,068 | HK$22,458 | HK$35,383 | HK$56,369 | HK$84,833 | HK$107,787 |
| A with SMM (No Coinsurance) | HK$18,153 | HK$16,557 | HK$20,189 | HK$22,019 | HK$31,080 | HK$49,821 | HK$77,556 | HK$117,249 | HK$176,453 |
| A with SMM (with 20% Coinsurance) | HK$16,909 | HK$15,317 | HK$18,945 | HK$20,532 | HK$28,927 | HK$46,214 | HK$72,261 | HK$109,145 | HK$163,325 |
| B | HK$8,061 | HK$6,575 | HK$8,416 | HK$9,085 | HK$13,568 | HK$22,726 | HK$36,108 | HK$54,337 | HK$66,153 |
| B with SMM (No Coinsurance) | HK$10,981 | HK$9,495 | HK$11,337 | HK$12,590 | HK$18,614 | HK$31,126 | HK$48,420 | HK$73,579 | HK$106,129 |
| B with SMM (with 20% Coinsurance) | HK$10,251 | HK$8,763 | HK$10,606 | HK$11,715 | HK$17,354 | HK$29,027 | HK$45,340 | HK$68,770 | HK$98,615 |
| C | HK$4,825 | HK$3,927 | HK$4,945 | HK$5,195 | HK$7,809 | HK$13,460 | HK$21,924 | HK$32,270 | HK$40,307 |
| C with SMM (No Coinsurance) | HK$6,653 | HK$5,755 | HK$6,773 | HK$7,386 | HK$10,923 | HK$18,572 | HK$29,406 | HK$44,149 | HK$64,900 |
| C with SMM (with 20% Coinsurance) | HK$6,198 | HK$5,299 | HK$6,316 | HK$6,839 | HK$10,144 | HK$17,295 | HK$27,538 | HK$41,181 | HK$60,265 |
| D with SMM (with 20% Coinsurance) | HK$5,067 | HK$4,125 | HK$5,192 | HK$5,456 | HK$8,201 | HK$14,134 | HK$23,023 | HK$33,886 | HK$49,591 |
How to apply for this plan
This plan is offered by Blue Cross (Asia-Pacific) Insurance Limited. To apply, contact Blue Cross (Asia-Pacific) Insurance Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
This site's licensed insurance agent can only arrange FWD plans.
- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Jan 1, 2026
- Plan data updated
- 2026-04-25