Plan options
Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$19,531 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$20,702 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$29,286 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$44,163 /yr
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Deductible
25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$12,157 /yr
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Deductible
25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$12,886 /yr
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Deductible
25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$17,668 /yr
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Deductible
25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$28,335 /yr
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Deductible
40,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,741 /yr
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Deductible
40,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,146 /yr
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Deductible
40,000 HKD deductible
Entry premium (Age 30 any gender)
HK$11,097 /yr
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Deductible
40,000 HKD deductible
Entry premium (Age 30 any gender)
HK$17,149 /yr
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Deductible
80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,722 /yr
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Deductible
80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,065 /yr
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Deductible
80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$9,143 /yr
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Deductible
80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$14,225 /yr
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Deductible
120,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,577 /yr
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Deductible
120,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,943 /yr
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Deductible
120,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,590 /yr
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Deductible
120,000 HKD deductible
Entry premium (Age 30 any gender)
HK$11,736 /yr
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Deductible
250,000 HKD deductible
Entry premium (Age 30 any gender)
HK$3,963 /yr
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Deductible
250,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,359 /yr
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Deductible
250,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,466 /yr
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Deductible
250,000 HKD deductible
Entry premium (Age 30 any gender)
HK$10,176 /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
- Jun 2, 2025
- Last verified
- 2026-04-25