Plan options
Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$15,991 /yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$1,999/yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$17,589 /yr
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Deductible
USD 0 deductible
Entry premium (Age 30 any gender)
US$2,199/yr
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Deductible
2,500 USD deductible
Entry premium (Age 30 any gender)
US$766/yr
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Deductible
2,500 USD deductible
Entry premium (Age 30 any gender)
US$842/yr
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Deductible
20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,127 /yr
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Deductible
20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,739 /yr
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Deductible
6,250 USD deductible
Entry premium (Age 30 any gender)
US$616/yr
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Deductible
6,250 USD deductible
Entry premium (Age 30 any gender)
US$678/yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,931 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,423 /yr
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Deductible
12,000 USD deductible
Entry premium (Age 30 any gender)
US$464/yr
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Deductible
12,000 USD deductible
Entry premium (Age 30 any gender)
US$510/yr
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Deductible
96,000 HKD deductible
Entry premium (Age 30 any gender)
HK$3,708 /yr
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Deductible
96,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,078 /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
- Oct 1, 2025
- Last verified
- 2026-04-17