VHIS Plan
Vital Care Voluntary Health Insurance Flexi Plan
「愛‧護航」自願醫保靈活計劃
HSBC Life (International) Limited·20 plan options
Plan options
Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$8,183 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$12,362 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$16,069 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$33,301 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$18,159 /yr
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Deductible
16,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,316 /yr
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Deductible
16,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,568 /yr
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Deductible
16,000 HKD deductible
Entry premium (Age 30 any gender)
HK$10,423 /yr
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Deductible
16,000 HKD deductible
Entry premium (Age 30 any gender)
HK$23,696 /yr
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Deductible
16,000 HKD deductible
Entry premium (Age 30 any gender)
HK$11,779 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$2,864 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$3,961 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,760 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$16,187 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$8,769 /yr
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Deductible
100,000 HKD deductible
Entry premium (Age 30 any gender)
HK$2,333 /yr
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Deductible
100,000 HKD deductible
Entry premium (Age 30 any gender)
HK$3,476 /yr
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Deductible
100,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,008 /yr
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Deductible
100,000 HKD deductible
Entry premium (Age 30 any gender)
HK$12,433 /yr
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Deductible
100,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,790 /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
- Sep 22, 2025
- Last verified
- 2026-04-17