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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

VHIS Flexi

Vital Care Voluntary Health Insurance Flexi Plan is a VHIS Flexi plan offered by HSBC Life (International) Limited, with ward class Ward, Greater China coverage and HK$5,000,000 annual benefit limit. Latest plan-document version: Sep 22, 2025.

01 · Plan options

20 options — premiums differ; deductible, ward class or cover may also differ

Plan option

Bronze level (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$8,183 /yr

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Plan option

Silver level (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$12,362 /yr

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Plan option

Gold level (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$16,069 /yr

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Plan option

Diamond level (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$33,301 /yr

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Plan option

Platinum level (HKD0 Deductible)

Deductible HKD 0 deductible

Entry premium (Age 30 any gender)

HK$18,159 /yr

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Plan option

Bronze level (HKD16,000 Deductible)

Deductible 16,000 HKD deductible

Entry premium (Age 30 any gender)

HK$5,316 /yr

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Plan option

Silver level (HKD16,000 Deductible)

Deductible 16,000 HKD deductible

Entry premium (Age 30 any gender)

HK$6,568 /yr

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Plan option

Gold level (HKD16,000 Deductible)

Deductible 16,000 HKD deductible

Entry premium (Age 30 any gender)

HK$10,423 /yr

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Plan option

Diamond level (HKD16,000 Deductible)

Deductible 16,000 HKD deductible

Entry premium (Age 30 any gender)

HK$23,696 /yr

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Plan option

Platinum level (HKD16,000 Deductible)

Deductible 16,000 HKD deductible

Entry premium (Age 30 any gender)

HK$11,779 /yr

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Plan option

Bronze level (HKD50,000 Deductible)

Deductible 50,000 HKD deductible

Entry premium (Age 30 any gender)

HK$2,864 /yr

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Plan option

Silver level (HKD50,000 Deductible)

Deductible 50,000 HKD deductible

Entry premium (Age 30 any gender)

HK$3,961 /yr

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Plan option

Gold level (HKD50,000 Deductible)

Deductible 50,000 HKD deductible

Entry premium (Age 30 any gender)

HK$7,760 /yr

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Plan option

Diamond level (HKD50,000 Deductible)

Deductible 50,000 HKD deductible

Entry premium (Age 30 any gender)

HK$16,187 /yr

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Plan option

Platinum level (HKD50,000 Deductible)

Deductible 50,000 HKD deductible

Entry premium (Age 30 any gender)

HK$8,769 /yr

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Plan option

Bronze level (HKD100,000 Deductible)

Deductible 100,000 HKD deductible

Entry premium (Age 30 any gender)

HK$2,333 /yr

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Plan option

Silver level (HKD100,000 Deductible)

Deductible 100,000 HKD deductible

Entry premium (Age 30 any gender)

HK$3,476 /yr

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Plan option

Gold level (HKD100,000 Deductible)

Deductible 100,000 HKD deductible

Entry premium (Age 30 any gender)

HK$6,008 /yr

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Plan option

Diamond level (HKD100,000 Deductible)

Deductible 100,000 HKD deductible

Entry premium (Age 30 any gender)

HK$12,433 /yr

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Plan option

Platinum level (HKD100,000 Deductible)

Deductible 100,000 HKD deductible

Entry premium (Age 30 any gender)

HK$6,790 /yr

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02 · Premiums by age

Yearly premium of every option by age and sex

Standard yearly premium for non-smokers, before the premium levy (Male)
Plan option	Age 0	Age 10	Age 20	Age 30	Age 40	Age 50	Age 60	Age 70	Age 80
Bronze level (HKD0 Deductible)Deductible HKD 0 deductible	HK$7,154	HK$6,699	HK$6,259	HK$8,183	HK$10,926	HK$16,068	HK$27,855	HK$48,408	HK$72,227
Silver level (HKD0 Deductible)Deductible HKD 0 deductible	HK$8,483	HK$8,332	HK$8,528	HK$12,362	HK$14,989	HK$21,809	HK$36,630	HK$69,167	HK$104,634
Gold level (HKD0 Deductible)Deductible HKD 0 deductible	HK$12,633	HK$11,112	HK$12,881	HK$16,069	HK$20,186	HK$29,616	HK$49,845	HK$89,807	HK$136,206
Diamond level (HKD0 Deductible)Deductible HKD 0 deductible	HK$29,336	HK$23,298	HK$27,220	HK$33,301	HK$47,246	HK$66,906	HK$105,181	HK$188,996	HK$282,858
Platinum level (HKD0 Deductible)Deductible HKD 0 deductible	HK$14,276	HK$12,558	HK$14,557	HK$18,159	HK$22,812	HK$33,467	HK$56,326	HK$101,484	HK$153,914
Bronze level (HKD16,000 Deductible)Deductible 16,000 HKD deductible	HK$4,466	HK$4,260	HK$4,071	HK$5,316	HK$6,951	HK$10,503	HK$18,198	HK$31,509	HK$47,183
Silver level (HKD16,000 Deductible)Deductible 16,000 HKD deductible	HK$4,947	HK$4,833	HK$4,896	HK$6,568	HK$8,156	HK$11,951	HK$20,746	HK$38,662	HK$52,866
Gold level (HKD16,000 Deductible)Deductible 16,000 HKD deductible	HK$8,895	HK$7,579	HK$8,375	HK$10,423	HK$14,173	HK$21,131	HK$34,718	HK$61,938	HK$94,041
Diamond level (HKD16,000 Deductible)Deductible 16,000 HKD deductible	HK$20,852	HK$16,619	HK$19,389	HK$23,696	HK$33,436	HK$47,375	HK$74,399	HK$132,609	HK$198,206
Platinum level (HKD16,000 Deductible)Deductible 16,000 HKD deductible	HK$10,052	HK$8,565	HK$9,465	HK$11,779	HK$16,017	HK$23,880	HK$39,233	HK$69,992	HK$106,268
Bronze level (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$2,016	HK$2,006	HK$2,335	HK$2,864	HK$3,702	HK$5,814	HK$10,667	HK$18,399	HK$28,398
Silver level (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$2,675	HK$2,665	HK$3,090	HK$3,961	HK$4,876	HK$7,273	HK$13,404	HK$23,171	HK$34,359
Gold level (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$6,327	HK$5,625	HK$6,114	HK$7,760	HK$10,116	HK$14,799	HK$24,355	HK$41,962	HK$65,604
Diamond level (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$14,650	HK$11,840	HK$12,962	HK$16,187	HK$23,616	HK$33,460	HK$51,453	HK$88,179	HK$135,760
Platinum level (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$7,151	HK$6,357	HK$6,910	HK$8,769	HK$11,432	HK$16,724	HK$27,522	HK$47,418	HK$74,134
Bronze level (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$1,845	HK$1,824	HK$1,905	HK$2,333	HK$3,213	HK$4,940	HK$9,034	HK$15,753	HK$24,113
Silver level (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$2,437	HK$2,427	HK$2,646	HK$3,476	HK$4,417	HK$6,683	HK$11,935	HK$21,599	HK$32,641
Gold level (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$4,741	HK$4,297	HK$4,885	HK$6,008	HK$7,414	HK$10,733	HK$17,859	HK$31,116	HK$46,394
Diamond level (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$10,956	HK$8,928	HK$10,304	HK$12,433	HK$17,320	HK$24,220	HK$37,661	HK$67,157	HK$100,654
Platinum level (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$5,358	HK$4,858	HK$5,521	HK$6,790	HK$8,379	HK$12,129	HK$20,182	HK$35,162	HK$52,427

Standard yearly premium for non-smokers, before the premium levy (Female)
Plan option	Age 0	Age 10	Age 20	Age 30	Age 40	Age 50	Age 60	Age 70	Age 80
Bronze level (HKD0 Deductible)Deductible HKD 0 deductible	HK$7,154	HK$6,699	HK$6,259	HK$8,183	HK$10,926	HK$16,068	HK$27,855	HK$48,408	HK$72,227
Silver level (HKD0 Deductible)Deductible HKD 0 deductible	HK$8,483	HK$8,332	HK$8,528	HK$12,362	HK$14,989	HK$21,809	HK$36,630	HK$69,167	HK$104,634
Gold level (HKD0 Deductible)Deductible HKD 0 deductible	HK$12,633	HK$11,112	HK$12,881	HK$16,069	HK$20,186	HK$29,616	HK$49,845	HK$89,807	HK$136,206
Diamond level (HKD0 Deductible)Deductible HKD 0 deductible	HK$29,336	HK$23,298	HK$27,220	HK$33,301	HK$47,246	HK$66,906	HK$105,181	HK$188,996	HK$282,858
Platinum level (HKD0 Deductible)Deductible HKD 0 deductible	HK$14,276	HK$12,558	HK$14,557	HK$18,159	HK$22,812	HK$33,467	HK$56,326	HK$101,484	HK$153,914
Bronze level (HKD16,000 Deductible)Deductible 16,000 HKD deductible	HK$4,466	HK$4,260	HK$4,071	HK$5,316	HK$6,951	HK$10,503	HK$18,198	HK$31,509	HK$47,183
Silver level (HKD16,000 Deductible)Deductible 16,000 HKD deductible	HK$4,947	HK$4,833	HK$4,896	HK$6,568	HK$8,156	HK$11,951	HK$20,746	HK$38,662	HK$52,866
Gold level (HKD16,000 Deductible)Deductible 16,000 HKD deductible	HK$8,895	HK$7,579	HK$8,375	HK$10,423	HK$14,173	HK$21,131	HK$34,718	HK$61,938	HK$94,041
Diamond level (HKD16,000 Deductible)Deductible 16,000 HKD deductible	HK$20,852	HK$16,619	HK$19,389	HK$23,696	HK$33,436	HK$47,375	HK$74,399	HK$132,609	HK$198,206
Platinum level (HKD16,000 Deductible)Deductible 16,000 HKD deductible	HK$10,052	HK$8,565	HK$9,465	HK$11,779	HK$16,017	HK$23,880	HK$39,233	HK$69,992	HK$106,268
Bronze level (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$2,016	HK$2,006	HK$2,335	HK$2,864	HK$3,702	HK$5,814	HK$10,667	HK$18,399	HK$28,398
Silver level (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$2,675	HK$2,665	HK$3,090	HK$3,961	HK$4,876	HK$7,273	HK$13,404	HK$23,171	HK$34,359
Gold level (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$6,327	HK$5,625	HK$6,114	HK$7,760	HK$10,116	HK$14,799	HK$24,355	HK$41,962	HK$65,604
Diamond level (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$14,650	HK$11,840	HK$12,962	HK$16,187	HK$23,616	HK$33,460	HK$51,453	HK$88,179	HK$135,760
Platinum level (HKD50,000 Deductible)Deductible 50,000 HKD deductible	HK$7,151	HK$6,357	HK$6,910	HK$8,769	HK$11,432	HK$16,724	HK$27,522	HK$47,418	HK$74,134
Bronze level (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$1,845	HK$1,824	HK$1,905	HK$2,333	HK$3,213	HK$4,940	HK$9,034	HK$15,753	HK$24,113
Silver level (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$2,437	HK$2,427	HK$2,646	HK$3,476	HK$4,417	HK$6,683	HK$11,935	HK$21,599	HK$32,641
Gold level (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$4,741	HK$4,297	HK$4,885	HK$6,008	HK$7,414	HK$10,733	HK$17,859	HK$31,116	HK$46,394
Diamond level (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$10,956	HK$8,928	HK$10,304	HK$12,433	HK$17,320	HK$24,220	HK$37,661	HK$67,157	HK$100,654
Platinum level (HKD100,000 Deductible)Deductible 100,000 HKD deductible	HK$5,358	HK$4,858	HK$5,521	HK$6,790	HK$8,379	HK$12,129	HK$20,182	HK$35,162	HK$52,427

Compare all plans by age →

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 →

How to apply for this plan

This plan is offered by HSBC Life (International) Limited. To apply, contact HSBC Life (International) Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
Benefit schedule PDF

This site's licensed insurance agent can only arrange FWD plans.

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Schedule effective date: Sep 22, 2025
Plan data updated: 2026-04-17