VHIS Plan
''ChampCare'' Medical Insurance Plan - Benefit Level
「逸康保」醫療保障計劃-保障級別
Chow Tai Fook Life Insurance Co Ltd·14 plan options
Plan options
Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$15,530 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$26,418 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$49,876 /yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$2,004/yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$3,408/yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$6,436/yr
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Deductible
18,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,998 /yr
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Deductible
18,000 HKD deductible
Entry premium (Age 30 any gender)
HK$10,600 /yr
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Deductible
18,000 HKD deductible
Entry premium (Age 30 any gender)
HK$31,669 /yr
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Deductible
2,320 USD deductible
Entry premium (Age 30 any gender)
US$774/yr
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Deductible
2,320 USD deductible
Entry premium (Age 30 any gender)
US$1,368/yr
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Deductible
2,320 USD deductible
Entry premium (Age 30 any gender)
US$4,087/yr
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Deductible
36,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,382 /yr
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Deductible
4,640 USD deductible
Entry premium (Age 30 any gender)
US$694/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
- Jan 10, 2025
- Last verified
- 2026-04-20