Plan options
Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$15,670 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$20,570 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$17,612 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$22,855 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$7,522 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$8,650 /yr
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Deductible
12,000 HKD deductible
Entry premium (Age 30 any gender)
HK$9,288 /yr
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Deductible
12,000 HKD deductible
Entry premium (Age 30 any gender)
HK$12,358 /yr
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Deductible
12,000 HKD deductible
Entry premium (Age 30 any gender)
HK$10,440 /yr
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Deductible
12,000 HKD deductible
Entry premium (Age 30 any gender)
HK$13,729 /yr
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Deductible
15,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,573 /yr
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Deductible
15,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,294 /yr
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Deductible
40,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,847 /yr
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Deductible
40,000 HKD deductible
Entry premium (Age 30 any gender)
HK$9,951 /yr
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Deductible
40,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,696 /yr
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Deductible
40,000 HKD deductible
Entry premium (Age 30 any gender)
HK$11,054 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$2,843 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$3,391 /yr
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Deductible
80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,500 /yr
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Deductible
80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,348 /yr
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Deductible
80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,059 /yr
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Deductible
80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$8,163 /yr
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Deductible
80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$2,442 /yr
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Deductible
80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$2,992 /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
- Mar 2, 2026
- Last verified
- 2026-04-20