Healthy Life Premier Medical Insurance Plan
健康常伴優越醫療保險計劃
China Life Insurance (Overseas) Company Limited·4 plan options
Healthy Life Premier Medical Insurance Plan is a VHIS Flexi plan offered by China Life Insurance (Overseas) Company Limited, with ward class Semi-Private Room, Worldwide (including United States) coverage and HK$1,100,000 annual benefit limit. Latest plan-document version: Jun 1, 2026.
Plan options
4 options — premiums differ; deductible, ward class or cover may also differPlan option
Semi-private
Entry premium (Age 30 male non-smoker)
HK$3,386 /yr
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Plan option
Semi-private with SMM
Entry premium (Age 30 male non-smoker)
HK$4,687 /yr
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Plan option
Private
Entry premium (Age 30 male non-smoker)
HK$5,601 /yr
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Plan option
Private with SMM
Entry premium (Age 30 male non-smoker)
HK$7,657 /yr
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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 |
|---|---|---|---|---|---|---|---|---|---|
| Semi-private | HK$5,700 | HK$2,280 | HK$2,432 | HK$3,386 | HK$4,307 | HK$6,389 | HK$11,601 | HK$19,768 | HK$27,545 |
| Semi-private with SMM | HK$8,208 | HK$3,192 | HK$3,211 | HK$4,687 | HK$5,990 | HK$9,015 | HK$16,440 | HK$27,719 | HK$38,392 |
| Private | HK$10,146 | HK$3,876 | HK$3,696 | HK$5,601 | HK$7,168 | HK$10,900 | HK$20,028 | HK$33,861 | HK$47,328 |
| Private with SMM | HK$13,908 | HK$5,244 | HK$4,948 | HK$7,657 | HK$9,685 | HK$14,448 | HK$26,629 | HK$44,701 | HK$63,695 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| Semi-private | HK$5,244 | HK$2,280 | HK$3,012 | HK$4,528 | HK$5,982 | HK$8,297 | HK$10,797 | HK$16,405 | HK$25,069 |
| Semi-private with SMM | HK$7,581 | HK$3,192 | HK$3,936 | HK$6,163 | HK$8,197 | HK$11,603 | HK$15,235 | HK$23,043 | HK$35,160 |
| Private | HK$9,348 | HK$3,876 | HK$4,704 | HK$7,425 | HK$9,990 | HK$14,226 | HK$18,648 | HK$27,940 | HK$43,068 |
| Private with SMM | HK$12,996 | HK$5,244 | HK$6,284 | HK$9,994 | HK$13,302 | HK$18,686 | HK$24,676 | HK$36,897 | HK$58,213 |
How to apply for this plan
This plan is offered by China Life Insurance (Overseas) Company Limited. To apply, contact China Life Insurance (Overseas) Company 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
- Jun 1, 2026
- Plan data updated
- 2026-06-02