HealthFlexi Voluntary Health Insurance Plan
「智選無憂」自願醫療保障計劃
Zurich Insurance Company Ltd·4 plan options
HealthFlexi Voluntary Health Insurance Plan is a VHIS Flexi plan offered by Zurich Insurance Company Ltd, with ward class Ward, Worldwide (including United States) coverage and HK$550,000 annual benefit limit. Latest plan-document version: Mar 19, 2021.
Plan options
4 options — premiums differ; deductible, ward class or cover may also differPlan option
Essential
Entry premium (Age 30 male non-smoker)
HK$3,192 /yr
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Plan option
Essential with SMM
Entry premium (Age 30 male non-smoker)
HK$4,152 /yr
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Plan option
Advanced
Entry premium (Age 30 male non-smoker)
HK$4,680 /yr
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Plan option
Advanced with SMM
Entry premium (Age 30 male non-smoker)
HK$6,336 /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 |
|---|---|---|---|---|---|---|---|---|---|
| Essential | HK$5,412 | HK$2,976 | HK$3,000 | HK$3,192 | HK$4,296 | HK$6,360 | HK$11,508 | HK$18,732 | HK$25,656 |
| Essential with SMM | HK$7,056 | HK$3,852 | HK$3,900 | HK$4,152 | HK$5,568 | HK$8,268 | HK$14,952 | HK$24,348 | HK$33,348 |
| Advanced | HK$7,836 | HK$4,368 | HK$4,452 | HK$4,680 | HK$5,928 | HK$8,220 | HK$14,856 | HK$24,216 | HK$33,156 |
| Advanced with SMM | HK$10,560 | HK$5,892 | HK$6,012 | HK$6,336 | HK$8,016 | HK$11,088 | HK$20,052 | HK$32,676 | HK$44,736 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| Essential | HK$4,596 | HK$2,976 | HK$3,156 | HK$3,852 | HK$5,448 | HK$7,440 | HK$11,496 | HK$17,952 | HK$24,972 |
| Essential with SMM | HK$5,976 | HK$3,876 | HK$4,092 | HK$5,016 | HK$7,080 | HK$9,672 | HK$14,940 | HK$23,328 | HK$32,472 |
| Advanced | HK$6,636 | HK$4,440 | HK$4,620 | HK$5,676 | HK$7,536 | HK$9,612 | HK$14,856 | HK$23,196 | HK$32,256 |
| Advanced with SMM | HK$8,940 | HK$5,988 | HK$6,240 | HK$7,656 | HK$10,176 | HK$12,996 | HK$20,040 | HK$31,296 | HK$43,548 |
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
- 2026-04-25