HealthFlexi Plus Voluntary Health Insurance Plan - HKD
「智選無憂+」自願醫療保障計劃
Zurich Insurance Company Ltd·8 plan options
HealthFlexi Plus Voluntary Health Insurance Plan - HKD is a VHIS Flexi plan offered by Zurich Insurance Company Ltd, with ward class Semi-Private Room, Asia incl. AU/NZ coverage and HK$6,000,000 annual benefit limit. Latest plan-document version: Mar 19, 2021.
Plan options
8 options — premiums differ; deductible, ward class or cover may also differPlan option
HKD0 Deductible (Asia)
Deductible HKD 0 deductible
Entry premium (Age 30 male non-smoker)
HK$9,072 /yr
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Plan option
HKD0 Deductible (Worldwide excluding the U.S.)
Deductible HKD 0 deductible
Entry premium (Age 30 male non-smoker)
HK$10,356 /yr
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Plan option
HKD60,000 Deductible (Asia)
Deductible 60,000 HKD deductible
Entry premium (Age 30 male non-smoker)
HK$3,996 /yr
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Plan option
HKD60,000 Deductible (Worldwide excluding the U.S.)
Deductible 60,000 HKD deductible
Entry premium (Age 30 male non-smoker)
HK$4,560 /yr
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Plan option
HKD90,000 Deductible (Asia)
Deductible 90,000 HKD deductible
Entry premium (Age 30 male non-smoker)
HK$3,180 /yr
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Plan option
HKD90,000 Deductible (Worldwide excluding the U.S.)
Deductible 90,000 HKD deductible
Entry premium (Age 30 male non-smoker)
HK$3,636 /yr
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Plan option
HKD150,000 Deductible (Asia)
Deductible 150,000 HKD deductible
Entry premium (Age 30 male non-smoker)
HK$2,016 /yr
View details →
Plan option
HKD150,000 Deductible (Worldwide excluding the U.S.)
Deductible 150,000 HKD deductible
Entry premium (Age 30 male non-smoker)
HK$2,280 /yr
View details →
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 |
|---|---|---|---|---|---|---|---|---|---|
| HKD0 Deductible (Asia)Deductible HKD 0 deductible | HK$13,632 | HK$6,912 | HK$6,996 | HK$9,072 | HK$13,500 | HK$19,692 | HK$35,640 | HK$58,032 | HK$79,488 |
| HKD0 Deductible (Worldwide excluding the U.S.)Deductible HKD 0 deductible | HK$15,552 | HK$7,896 | HK$7,968 | HK$10,356 | HK$15,408 | HK$22,488 | HK$40,680 | HK$66,252 | HK$90,732 |
| HKD60,000 Deductible (Asia)Deductible 60,000 HKD deductible | HK$6,000 | HK$3,048 | HK$3,096 | HK$3,996 | HK$5,940 | HK$8,676 | HK$15,696 | HK$25,536 | HK$34,980 |
| HKD60,000 Deductible (Worldwide excluding the U.S.)Deductible 60,000 HKD deductible | HK$6,852 | HK$3,468 | HK$3,528 | HK$4,560 | HK$6,780 | HK$9,900 | HK$17,916 | HK$29,148 | HK$39,936 |
| HKD90,000 Deductible (Asia)Deductible 90,000 HKD deductible | HK$4,776 | HK$2,436 | HK$2,460 | HK$3,180 | HK$4,728 | HK$6,900 | HK$12,480 | HK$20,316 | HK$27,828 |
| HKD90,000 Deductible (Worldwide excluding the U.S.)Deductible 90,000 HKD deductible | HK$5,448 | HK$2,760 | HK$2,808 | HK$3,636 | HK$5,400 | HK$7,872 | HK$14,256 | HK$23,196 | HK$31,776 |
| HKD150,000 Deductible (Asia)Deductible 150,000 HKD deductible | HK$3,000 | HK$1,536 | HK$1,548 | HK$2,016 | HK$2,976 | HK$4,356 | HK$7,848 | HK$12,768 | HK$17,496 |
| HKD150,000 Deductible (Worldwide excluding the U.S.)Deductible 150,000 HKD deductible | HK$3,432 | HK$1,740 | HK$1,776 | HK$2,280 | HK$3,396 | HK$4,956 | HK$8,952 | HK$14,580 | HK$19,968 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| HKD0 Deductible (Asia)Deductible HKD 0 deductible | HK$11,556 | HK$6,636 | HK$7,200 | HK$11,052 | HK$17,172 | HK$23,076 | HK$35,616 | HK$60,432 | HK$94,356 |
| HKD0 Deductible (Worldwide excluding the U.S.)Deductible HKD 0 deductible | HK$13,176 | HK$7,560 | HK$8,220 | HK$12,612 | HK$19,596 | HK$26,328 | HK$40,656 | HK$68,988 | HK$107,712 |
| HKD60,000 Deductible (Asia)Deductible 60,000 HKD deductible | HK$5,088 | HK$2,916 | HK$3,168 | HK$4,860 | HK$7,560 | HK$10,152 | HK$15,672 | HK$26,592 | HK$41,520 |
| HKD60,000 Deductible (Worldwide excluding the U.S.)Deductible 60,000 HKD deductible | HK$5,796 | HK$3,336 | HK$3,612 | HK$5,556 | HK$8,628 | HK$11,580 | HK$17,892 | HK$30,360 | HK$47,400 |
| HKD90,000 Deductible (Asia)Deductible 90,000 HKD deductible | HK$4,056 | HK$2,328 | HK$2,520 | HK$3,876 | HK$6,012 | HK$8,076 | HK$12,468 | HK$21,156 | HK$33,036 |
| HKD90,000 Deductible (Worldwide excluding the U.S.)Deductible 90,000 HKD deductible | HK$4,620 | HK$2,652 | HK$2,880 | HK$4,416 | HK$6,876 | HK$9,216 | HK$14,232 | HK$24,156 | HK$37,716 |
| HKD150,000 Deductible (Asia)Deductible 150,000 HKD deductible | HK$2,556 | HK$1,476 | HK$1,620 | HK$2,436 | HK$3,780 | HK$5,076 | HK$7,836 | HK$13,296 | HK$20,760 |
| HKD150,000 Deductible (Worldwide excluding the U.S.)Deductible 150,000 HKD deductible | HK$2,916 | HK$1,668 | HK$1,836 | HK$2,796 | HK$4,320 | HK$5,796 | HK$8,952 | HK$15,180 | HK$23,700 |
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 Zurich Insurance Company Ltd. To apply, contact Zurich Insurance Company Ltd 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
- Mar 19, 2021
- Plan data updated
- 2026-04-18