Health Supreme Medical Plan - Plan I is a VHIS Flexi plan offered by Hong Kong Life Insurance Limited, with no ward-class restriction, Worldwide (including United States) coverage and HK$550,000 annual benefit limit. Latest plan-document version: Sep 29, 2025.
Plan options
6 options — premiums differ; deductible, ward class or cover may also differPlan option
I
Entry premium (Age 30 male non-smoker)
HK$2,901 /yr
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Plan option
I with SMM
Entry premium (Age 30 male non-smoker)
HK$4,397 /yr
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Plan option
II
Entry premium (Age 30 male non-smoker)
HK$5,296 /yr
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Plan option
II with SMM
Entry premium (Age 30 male non-smoker)
HK$7,299 /yr
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Plan option
III
Entry premium (Age 30 male non-smoker)
HK$8,405 /yr
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Plan option
III with SMM
Entry premium (Age 30 male non-smoker)
HK$11,431 /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 |
|---|---|---|---|---|---|---|---|---|---|
| I | HK$5,278 | HK$2,091 | HK$2,197 | HK$2,901 | HK$3,855 | HK$6,049 | HK$10,501 | HK$16,611 | HK$22,993 |
| I with SMM | HK$7,295 | HK$2,923 | HK$3,169 | HK$4,397 | HK$5,817 | HK$9,122 | HK$15,834 | HK$25,049 | HK$34,671 |
| II | HK$9,032 | HK$3,460 | HK$3,797 | HK$5,296 | HK$7,044 | HK$11,162 | HK$19,634 | HK$31,161 | HK$42,915 |
| II with SMM | HK$12,451 | HK$4,786 | HK$5,231 | HK$7,299 | HK$9,710 | HK$15,387 | HK$27,064 | HK$42,957 | HK$59,161 |
| III | HK$14,784 | HK$5,456 | HK$6,020 | HK$8,405 | HK$11,169 | HK$17,668 | HK$31,155 | HK$48,909 | HK$67,186 |
| III with SMM | HK$20,192 | HK$7,419 | HK$8,188 | HK$11,431 | HK$15,190 | HK$24,028 | HK$42,370 | HK$66,516 | HK$91,374 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| I | HK$4,217 | HK$1,612 | HK$2,556 | HK$3,812 | HK$5,408 | HK$7,373 | HK$10,060 | HK$14,733 | HK$22,415 |
| I with SMM | HK$5,831 | HK$2,250 | HK$3,686 | HK$5,760 | HK$8,153 | HK$11,118 | HK$15,171 | HK$22,215 | HK$33,800 |
| II | HK$7,235 | HK$2,665 | HK$4,424 | HK$6,980 | HK$10,004 | HK$13,633 | HK$18,657 | HK$27,052 | HK$41,164 |
| II with SMM | HK$9,972 | HK$3,708 | HK$6,098 | HK$9,623 | HK$13,791 | HK$18,792 | HK$25,721 | HK$37,294 | HK$56,751 |
| III | HK$11,882 | HK$4,220 | HK$7,056 | HK$11,076 | HK$15,849 | HK$21,512 | HK$29,715 | HK$42,783 | HK$65,329 |
| III with SMM | HK$16,257 | HK$5,739 | HK$9,595 | HK$15,063 | HK$21,554 | HK$29,256 | HK$40,412 | HK$58,186 | HK$88,847 |
How to apply for this plan
This plan is offered by Hong Kong Life Insurance Limited. To apply, contact Hong Kong Life Insurance 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
- Sep 29, 2025
- Plan data updated
- 2026-04-25