VHIS Plan
vPrime Signature Medical Plan - S
尊衛您（寰譽版）醫療計劃
FWD Life Insurance Company (Bermuda) Limited·12 plan options
Plan options
Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$12,058 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$14,362 /yr
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Deductible
16,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,722 /yr
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Deductible
16,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,795 /yr
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Deductible
25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,885 /yr
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Deductible
25,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,769 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$3,735 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,385 /yr
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Deductible
100,000 HKD deductible
Entry premium (Age 30 any gender)
HK$2,985 /yr
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Deductible
100,000 HKD deductible
Entry premium (Age 30 any gender)
HK$3,479 /yr
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Deductible
250,000 HKD deductible
Entry premium (Age 30 any gender)
HK$2,376 /yr
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Deductible
250,000 HKD deductible
Entry premium (Age 30 any gender)
HK$2,782 /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
- Feb 2, 2026
- Last verified
- 2026-04-25