Blue Cross Dynasty VHIS Plan - HKD
藍十字尊悅自願醫保計劃
Blue Cross (Asia-Pacific) Insurance Limited·8 plan options
Blue Cross Dynasty VHIS Plan - HKD is a VHIS Flexi plan offered by Blue Cross (Asia-Pacific) Insurance Limited, with ward class Semi-Private Room, Asia incl. AU/NZ coverage and HK$10,000,000 annual benefit limit. Latest plan-document version: Jan 1, 2026.
Plan options
8 options — premiums differ; deductible, ward class or cover may also differPlan option
HKD0 Deductible (Asia & Australia-New Zealand)
Deductible HKD 0 deductible
Entry premium (Age 30 any gender)
HK$14,064 /yr
View details →
Plan option
HKD0 Deductible (Worldwide )
Deductible HKD 0 deductible
Entry premium (Age 30 any gender)
HK$22,804 /yr
View details →
Plan option
HKD20,000 Deductible (Asia & Australia-New Zealand)
Deductible 20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,312 /yr
View details →
Plan option
HKD20,000 Deductible (Worldwide )
Deductible 20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$11,860 /yr
View details →
Plan option
HKD40,000 Deductible (Asia & Australia-New Zealand)
Deductible 40,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,330 /yr
View details →
Plan option
HKD40,000 Deductible (Worldwide )
Deductible 40,000 HKD deductible
Entry premium (Age 30 any gender)
HK$10,262 /yr
View details →
Plan option
HKD80,000 Deductible (Asia & Australia-New Zealand)
Deductible 80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,502 /yr
View details →
Plan option
HKD80,000 Deductible (Worldwide )
Deductible 80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,298 /yr
View details →
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 |
|---|---|---|---|---|---|---|---|---|---|
| HKD0 Deductible (Asia & Australia-New Zealand)Deductible HKD 0 deductible | HK$10,673 | HK$9,465 | HK$9,127 | HK$14,064 | HK$16,839 | HK$25,472 | HK$42,440 | HK$72,674 | HK$101,258 |
| HKD0 Deductible (Worldwide )Deductible HKD 0 deductible | HK$17,306 | HK$15,348 | HK$14,798 | HK$22,804 | HK$27,305 | HK$41,305 | HK$68,823 | HK$117,848 | HK$164,198 |
| HKD20,000 Deductible (Asia & Australia-New Zealand)Deductible 20,000 HKD deductible | HK$5,551 | HK$4,922 | HK$4,747 | HK$7,312 | HK$8,756 | HK$13,246 | HK$22,071 | HK$37,792 | HK$52,655 |
| HKD20,000 Deductible (Worldwide )Deductible 20,000 HKD deductible | HK$9,002 | HK$7,981 | HK$7,696 | HK$11,860 | HK$14,200 | HK$21,480 | HK$35,790 | HK$61,281 | HK$85,383 |
| HKD40,000 Deductible (Asia & Australia-New Zealand)Deductible 40,000 HKD deductible | HK$4,805 | HK$4,261 | HK$4,109 | HK$6,330 | HK$7,579 | HK$11,463 | HK$19,098 | HK$32,705 | HK$45,567 |
| HKD40,000 Deductible (Worldwide )Deductible 40,000 HKD deductible | HK$7,789 | HK$6,908 | HK$6,659 | HK$10,262 | HK$12,289 | HK$18,588 | HK$30,972 | HK$53,032 | HK$73,892 |
| HKD80,000 Deductible (Asia & Australia-New Zealand)Deductible 80,000 HKD deductible | HK$3,418 | HK$3,031 | HK$2,922 | HK$4,502 | HK$5,389 | HK$8,153 | HK$13,583 | HK$23,258 | HK$32,404 |
| HKD80,000 Deductible (Worldwide )Deductible 80,000 HKD deductible | HK$5,540 | HK$4,911 | HK$4,737 | HK$7,298 | HK$8,738 | HK$13,218 | HK$22,024 | HK$37,712 | HK$52,544 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| HKD0 Deductible (Asia & Australia-New Zealand)Deductible HKD 0 deductible | HK$10,673 | HK$9,465 | HK$9,127 | HK$14,064 | HK$16,839 | HK$25,472 | HK$42,440 | HK$72,674 | HK$101,258 |
| HKD0 Deductible (Worldwide )Deductible HKD 0 deductible | HK$17,306 | HK$15,348 | HK$14,798 | HK$22,804 | HK$27,305 | HK$41,305 | HK$68,823 | HK$117,848 | HK$164,198 |
| HKD20,000 Deductible (Asia & Australia-New Zealand)Deductible 20,000 HKD deductible | HK$5,551 | HK$4,922 | HK$4,747 | HK$7,312 | HK$8,756 | HK$13,246 | HK$22,071 | HK$37,792 | HK$52,655 |
| HKD20,000 Deductible (Worldwide )Deductible 20,000 HKD deductible | HK$9,002 | HK$7,981 | HK$7,696 | HK$11,860 | HK$14,200 | HK$21,480 | HK$35,790 | HK$61,281 | HK$85,383 |
| HKD40,000 Deductible (Asia & Australia-New Zealand)Deductible 40,000 HKD deductible | HK$4,805 | HK$4,261 | HK$4,109 | HK$6,330 | HK$7,579 | HK$11,463 | HK$19,098 | HK$32,705 | HK$45,567 |
| HKD40,000 Deductible (Worldwide )Deductible 40,000 HKD deductible | HK$7,789 | HK$6,908 | HK$6,659 | HK$10,262 | HK$12,289 | HK$18,588 | HK$30,972 | HK$53,032 | HK$73,892 |
| HKD80,000 Deductible (Asia & Australia-New Zealand)Deductible 80,000 HKD deductible | HK$3,418 | HK$3,031 | HK$2,922 | HK$4,502 | HK$5,389 | HK$8,153 | HK$13,583 | HK$23,258 | HK$32,404 |
| HKD80,000 Deductible (Worldwide )Deductible 80,000 HKD deductible | HK$5,540 | HK$4,911 | HK$4,737 | HK$7,298 | HK$8,738 | HK$13,218 | HK$22,024 | HK$37,712 | HK$52,544 |
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 →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
- 2026-04-17