Blue Cross Love Yourself VHIS Plan - HKD
藍十字「愛自己」自願醫保計劃
Blue Cross (Asia-Pacific) Insurance Limited·8 plan options
Blue Cross Love Yourself VHIS Plan - HKD is a VHIS Flexi plan offered by Blue Cross (Asia-Pacific) Insurance Limited, with ward class Ward, Asia incl. AU/NZ coverage and HK$6,000,000 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$9,003 /yr
View details →
Plan option
HKD0 Deductible (Worldwide )
Deductible HKD 0 deductible
Entry premium (Age 30 any gender)
HK$13,643 /yr
View details →
Plan option
HKD20,000 Deductible (Asia & Australia-New Zealand)
Deductible 20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,681 /yr
View details →
Plan option
HKD20,000 Deductible (Worldwide )
Deductible 20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,095 /yr
View details →
Plan option
HKD40,000 Deductible (Asia & Australia-New Zealand)
Deductible 40,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,053 /yr
View details →
Plan option
HKD40,000 Deductible (Worldwide )
Deductible 40,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,139 /yr
View details →
Plan option
HKD80,000 Deductible (Asia & Australia-New Zealand)
Deductible 80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$2,883 /yr
View details →
Plan option
HKD80,000 Deductible (Worldwide )
Deductible 80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,367 /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$6,326 | HK$5,611 | HK$5,952 | HK$9,003 | HK$10,780 | HK$16,305 | HK$27,167 | HK$46,521 | HK$64,818 |
| HKD0 Deductible (Worldwide )Deductible HKD 0 deductible | HK$9,586 | HK$8,502 | HK$9,017 | HK$13,643 | HK$16,335 | HK$24,711 | HK$41,173 | HK$70,502 | HK$98,230 |
| HKD20,000 Deductible (Asia & Australia-New Zealand)Deductible 20,000 HKD deductible | HK$3,290 | HK$2,917 | HK$3,096 | HK$4,681 | HK$5,605 | HK$8,479 | HK$14,128 | HK$24,192 | HK$33,707 |
| HKD20,000 Deductible (Worldwide )Deductible 20,000 HKD deductible | HK$4,986 | HK$4,421 | HK$4,690 | HK$7,095 | HK$8,495 | HK$12,850 | HK$21,410 | HK$36,661 | HK$51,081 |
| HKD40,000 Deductible (Asia & Australia-New Zealand)Deductible 40,000 HKD deductible | HK$2,849 | HK$2,526 | HK$2,680 | HK$4,053 | HK$4,853 | HK$7,706 | HK$12,837 | HK$21,983 | HK$30,627 |
| HKD40,000 Deductible (Worldwide )Deductible 40,000 HKD deductible | HK$4,314 | HK$3,826 | HK$4,058 | HK$6,139 | HK$7,352 | HK$11,676 | HK$19,456 | HK$33,313 | HK$46,416 |
| HKD80,000 Deductible (Asia & Australia-New Zealand)Deductible 80,000 HKD deductible | HK$2,026 | HK$1,797 | HK$1,905 | HK$2,883 | HK$3,450 | HK$5,220 | HK$8,695 | HK$14,888 | HK$20,744 |
| HKD80,000 Deductible (Worldwide )Deductible 80,000 HKD deductible | HK$3,069 | HK$2,720 | HK$2,887 | HK$4,367 | HK$5,228 | HK$7,907 | HK$13,176 | HK$22,561 | HK$31,434 |
| 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$6,326 | HK$5,611 | HK$5,952 | HK$9,003 | HK$10,780 | HK$16,305 | HK$27,167 | HK$46,521 | HK$64,818 |
| HKD0 Deductible (Worldwide )Deductible HKD 0 deductible | HK$9,586 | HK$8,502 | HK$9,017 | HK$13,643 | HK$16,335 | HK$24,711 | HK$41,173 | HK$70,502 | HK$98,230 |
| HKD20,000 Deductible (Asia & Australia-New Zealand)Deductible 20,000 HKD deductible | HK$3,290 | HK$2,917 | HK$3,096 | HK$4,681 | HK$5,605 | HK$8,479 | HK$14,128 | HK$24,192 | HK$33,707 |
| HKD20,000 Deductible (Worldwide )Deductible 20,000 HKD deductible | HK$4,986 | HK$4,421 | HK$4,690 | HK$7,095 | HK$8,495 | HK$12,850 | HK$21,410 | HK$36,661 | HK$51,081 |
| HKD40,000 Deductible (Asia & Australia-New Zealand)Deductible 40,000 HKD deductible | HK$2,849 | HK$2,526 | HK$2,680 | HK$4,053 | HK$4,853 | HK$7,706 | HK$12,837 | HK$21,983 | HK$30,627 |
| HKD40,000 Deductible (Worldwide )Deductible 40,000 HKD deductible | HK$4,314 | HK$3,826 | HK$4,058 | HK$6,139 | HK$7,352 | HK$11,676 | HK$19,456 | HK$33,313 | HK$46,416 |
| HKD80,000 Deductible (Asia & Australia-New Zealand)Deductible 80,000 HKD deductible | HK$2,026 | HK$1,797 | HK$1,905 | HK$2,883 | HK$3,450 | HK$5,220 | HK$8,695 | HK$14,888 | HK$20,744 |
| HKD80,000 Deductible (Worldwide )Deductible 80,000 HKD deductible | HK$3,069 | HK$2,720 | HK$2,887 | HK$4,367 | HK$5,228 | HK$7,907 | HK$13,176 | HK$22,561 | HK$31,434 |
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