Premiums by age
VHIS premiums for ages 0–9
This page lists the standard yearly premiums of 91 VHIS plan series for ages 0–9, covering Standard Plans and three groups of Flexi Plans. Premiums come from each plan's standard premium table published on the VHIS website, for non-smokers only. Data version: Oct 1, 2026.
Standard Plan premiums by age
Standard Plans follow terms and benefits standardised by the government. Apart from very limited minor allowable variations, Standard Plans from different insurers are virtually the same, so their premiums can be compared directly. Source: VHIS frequently asked questions
| Age | Male (lowest to highest) | Female (lowest to highest) | Plans |
|---|---|---|---|
| 0 | HK$1,706 to – HK$5,554 | HK$1,811 to – HK$4,009 | 30 |
| 1 | HK$1,704 to – HK$4,722 | HK$1,788 to – HK$3,970 | 30 |
| 2 | HK$1,644 to – HK$4,106 | HK$1,644 to – HK$3,970 | 30 |
| 3 | HK$1,584 to – HK$4,106 | HK$1,524 to – HK$3,970 | 30 |
| 4 | HK$1,363 to – HK$3,970 | HK$1,392 to – HK$3,970 | 30 |
| 5 | HK$1,363 to – HK$3,800 | HK$1,320 to – HK$3,800 | 30 |
| 6 | HK$1,329 to – HK$3,240 | HK$1,248 to – HK$3,240 | 30 |
| 7 | HK$1,272 to – HK$2,916 | HK$1,200 to – HK$2,916 | 30 |
| 8 | HK$1,200 to – HK$2,916 | HK$1,164 to – HK$2,916 | 30 |
| 9 | HK$1,164 to – HK$2,916 | HK$1,140 to – HK$2,916 | 30 |
Standard yearly premium for non-smokers, before the premium levy
Compare by plan group
Pick an age and the four plan groups below are sorted by the lowest male premium at that age. Each plan series shows the lowest to highest premium across its current options.
Apart from Standard Plans, we sort Flexi plans into three groups by benefit design: Itemised Limits, Mid-range Full Reimbursement and High-limit. The groups are ours, not ratings or recommendations; tap the “?” beside a heading for a plain explanation.
Choose an ageShowing premiums at age 0
Standard Plan: premiums at age 0
30 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| YF LifeTaxVantage Medical Plan | 1 | — | HK$1,706 | HK$1,811 |
| BowtieBowtie VHIS Standard | 1 | — | HK$1,752 | HK$1,860 |
| ManulifeManulife Shelter VHIS Standard Plan | 1 | — | HK$2,284 | HK$2,372 |
| Sun LifeWeHealth | 1 | — | HK$2,485 | HK$1,903 |
| Well Link LifeWell Protect Voluntary Health Insurance Scheme (Standard) | 1 | — | HK$2,487 | HK$2,176 |
| China LifeGuard Your Health Medical Insurance Plan | 1 | — | HK$2,650 | HK$1,950 |
| AvoAvo Voluntary Health Insurance Scheme (Standard) Plan | 1 | — | HK$2,720 | HK$2,375 |
| LibertyLiberty Insurance Standard VHIS Plan | 1 | — | HK$2,825 | HK$2,825 |
| AXA General Insurance Hong Kong LimitedAXA GI WiseGuard Medical Insurance Plan | 1 | — | HK$2,832 | HK$2,546 |
| AXA China Region Insurance Company Limited · S00033AXA WiseGuard Medical Insurance Plan | 1 | — | HK$2,832 | HK$2,546 |
| AXA China Region Insurance Company (Bermuda) Limited · S00014AXA WiseGuard Medical Insurance Plan | 1 | — | HK$2,832 | HK$2,546 |
| HSBC LifeHSBC Voluntary Health Insurance Standard Plan | 1 | — | HK$2,974 | HK$2,673 |
| BolttechVChoice Voluntary Health Insurance Plan | 1 | — | HK$2,996 | HK$2,177 |
| AIAAIA Voluntary Health Insurance Standard Scheme | 1 | — | HK$3,132 | HK$2,508 |
| Asia InsuranceAsia Unique - Family Care | 1 | — | HK$3,180 | HK$2,631 |
| MSIGVHIS Standard Care | 1 | — | HK$3,240 | HK$3,240 |
| CTF Life''WiseCare'' Medical Insurance Plan | 1 | — | HK$3,259 | HK$2,263 |
| BOC LifeBOC Life Standard VHIS | 1 | — | HK$3,360 | HK$3,360 |
| ZurichHealthSure Voluntary Health Insurance Plan | 1 | — | HK$3,420 | HK$2,892 |
| CignaCigna VHIS Series - Standard Plan | 1 | — | HK$3,508 | HK$3,508 |
| Bank of China Group Insurance Company LimitedBOC Standard Voluntary Health Insurance Scheme Certified Plan | 1 | — | HK$3,648 | HK$2,793 |
| Dah SingDah Sing Insurance ADVANTAGE VHIS Standard Plan | 1 | — | HK$3,800 | HK$3,800 |
| BupaBupa MyBasic VHIS Plan | 1 | — | HK$3,970 | HK$3,970 |
| PrudentialPRUHealth CoreChoice Medical Plan | 1 | — | HK$4,088 | HK$3,832 |
| FWDvCore Medical Plan | 1 | — | HK$4,106 | HK$3,181 |
| Hong Kong LifeHealth Essential Medical Plan - Standard | 1 | — | HK$4,282 | HK$3,422 |
| China Taiping Insurance (HK) Company LimitedTaiping Voluntary Health Insurance Scheme Standard Plan | 1 | — | HK$4,311 | HK$4,009 |
| Chubb LifeChubb VHIS - Standard Plan | 1 | — | HK$4,355 | HK$3,329 |
| China Taiping LifeTaiping Life VHIS Standard Plan | 1 | — | HK$4,597 | HK$3,520 |
| Blue CrossCareForYou Standard Plan for VHIS | 1 | — | HK$5,554 | HK$3,896 |
Same-named plans show the company and certificate number: two separate insurers (legal entities) each register their own certified plan.
Itemised Limits: premiums at age 0
29 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| BolttechVFlexi Voluntary Health Insurance Plan | 6 | — | HK$3,245 to – HK$10,809 | HK$3,245 to – HK$10,809 |
| HSBC LifeHSBC Voluntary Health Insurance One Plan | 2 | — | HK$3,324 to – HK$4,538 | HK$2,893 to – HK$3,974 |
| AXA China Region Insurance Company Limited · F00018Smart Medicare | 12 | — | HK$3,467 to – HK$19,727 | HK$3,003 to – HK$17,272 |
| AXA China Region Insurance Company (Bermuda) Limited · F00017Smart Medicare | 12 | — | HK$3,467 to – HK$19,727 | HK$3,003 to – HK$17,272 |
| ManulifeManulife First VHIS Flexi Plan | 9 | — | HK$3,497 to – HK$22,494 | HK$3,631 to – HK$20,622 |
| YF LifeTaxVantage PrimeChoice Medical Plan | 8 | — | HK$3,689 to – HK$18,498 | HK$3,114 to – HK$15,614 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Classic) | 2 | — | HK$3,896 to – HK$4,675 | HK$3,896 to – HK$4,675 |
| Well Link LifeWell Protect Voluntary Health Insurance Scheme (Flexi) | 3 | — | HK$4,031 to – HK$10,091 | HK$3,507 to – HK$8,780 |
| Sun LifeWeHealth Plus | 2 | — | HK$4,200 to – HK$5,479 | HK$3,441 to – HK$4,785 |
| BowtieBowtie VHIS Flexi | 2 | — | HK$4,656 to – HK$8,868 | HK$4,512 to – HK$8,160 |
| Blue CrossCareForYou Super Flexi Plan for VHIS | 10 | — | HK$4,825 to – HK$18,153 | HK$4,825 to – HK$18,153 |
| BupaBupa MyFlexi VHIS Plan | 6 | — | HK$4,879 to – HK$20,921 | HK$4,879 to – HK$20,921 |
| FWDvCare Medical Plan | 1 | — | HK$4,971 | HK$3,819 |
| China LifeHealthy Life Medical Insurance Plan | 1 | — | HK$5,130 | HK$4,788 |
| Hong Kong LifeHealth Supreme Medical Plan - Plan I | 6 | — | HK$5,278 to – HK$20,192 | HK$4,217 to – HK$16,257 |
| MSIGVHIS Prestige Care(some options) | 4 | — | HK$5,292 to – HK$11,610 | HK$5,292 to – HK$11,610 |
| PrudentialPRUHealth FlexiChoice Medical Plan | 16 | — | HK$5,366 to – HK$26,462 | HK$5,005 to – HK$22,828 |
| ZurichHealthFlexi Voluntary Health Insurance Plan | 4 | — | HK$5,412 to – HK$10,560 | HK$4,596 to – HK$8,940 |
| China LifeHealthy Life Premier Medical Insurance Plan | 4 | — | HK$5,700 to – HK$13,908 | HK$5,244 to – HK$12,996 |
| Asia InsuranceAsia iCare | 5 | — | HK$5,760 to – HK$14,375 | HK$5,797 to – HK$11,589 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Plus) | 2 | — | HK$5,899 to – HK$7,079 | HK$5,899 to – HK$7,079 |
| Bank of China Group Insurance Company LimitedBOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan | 8 | — | HK$5,982 to – HK$10,945 | HK$5,060 to – HK$9,777 |
| AIAAIA Voluntary Health Insurance Flexi Scheme | 6 | — | HK$6,035 to – HK$18,461 | HK$4,672 to – HK$12,894 |
| PrudentialPRUHealth VHIS EasyChoice Plan | 6 | — | HK$6,075 to – HK$21,764 | HK$4,705 to – HK$16,959 |
| Chubb LifeChubb VHIS - Flexi Plan | 16 | — | HK$6,548 to – HK$24,523 | HK$5,526 to – HK$23,652 |
| FWDvCare Supreme Medical Plan | 1 | — | HK$6,587 | HK$5,091 |
| CignaCigna VHIS Series - Flexi Plan (SMM) | 1 | — | HK$6,721 | HK$6,721 |
| CTF Life''TopCare'' Medical Insurance Plan - Benefit Level | 8 | — | HK$6,836 to – HK$20,737 | HK$5,219 to – HK$15,149 |
| China Taiping LifeTaiping Life VHIS Flexi Plan | 5 | — | HK$7,034 to – HK$30,725 | HK$6,425 to – HK$28,201 |
Same-named plans show the company and certificate number: two separate insurers (legal entities) each register their own certified plan.
Mid-range Full Reimbursement: premiums at age 0
5 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| FWDvFamily Medical Plan | 1 | — | HK$5,524 | HK$3,841 |
| FWDvCANsurance Medical Plan - S | 2 | — | HK$6,646 to – HK$9,130 | HK$4,622 to – HK$8,020 |
| CTF Life''FlexiCare'' Medical Insurance Plan - Benefit Level | 4 | — | HK$8,455 to – HK$12,083 | HK$6,812 to – HK$9,364 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Premium) | 1 | — | HK$11,130 | HK$11,130 |
| Asia InsuranceAsia Elite - S | 2 | — | HK$14,295 to – HK$22,251 | HK$13,205 to – HK$20,551 |
High-limit: premiums at age 0
28 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| BowtieBowtie Pink VHIS Plan | 12 | HK$0 to HK$80,000 | HK$1,764 to – HK$14,184 | HK$1,764 to – HK$14,184 |
| ManulifeManulife Supreme Lite VHIS Supplementary Benefit | 24 | HK$0 to HK$100,000 | HK$1,829 to – HK$20,371 | HK$1,829 to – HK$20,371 |
| HSBC LifeHSBC Voluntary Health Insurance Flexi Plan | 20 | HK$0 to HK$100,000 | HK$1,845 to – HK$29,336 | HK$1,845 to – HK$29,336 |
| HSBC LifeVital Care Voluntary Health Insurance Flexi Plan | 20 | HK$0 to HK$100,000 | HK$1,845 to – HK$29,336 | HK$1,845 to – HK$29,336 |
| FWDvBooster Medical Plan - HKD | 6 | HK$0 to HK$180,000 | HK$1,935 to – HK$6,421 | HK$1,935 to – HK$6,421 |
| BupaBupa Hero VHIS Plan | 24 | HK$0 to HK$80,000 | HK$1,945 to – HK$22,380 | HK$1,945 to – HK$22,380 |
| Blue CrossBlue Cross Love Yourself VHIS Plan - HKD | 8 | HK$0 to HK$80,000 | HK$2,026 to – HK$9,586 | HK$2,026 to – HK$9,586 |
| FWDvPrime Signature Medical Plan - S | 12 | HK$0 to HK$250,000 | HK$2,066 to – HK$10,786 | HK$2,066 to – HK$10,786 |
| AIAAIA Voluntary Health Insurance SelectWise Scheme | 10 | HK$0 to HK$55,000 | HK$2,229 to – HK$9,352 | HK$2,229 to – HK$9,352 |
| ManulifeManulife Supreme VHIS Flexi Plan | 14 | HK$0 to HK$100,000 | HK$2,234 to – HK$21,443 | HK$2,234 to – HK$21,443 |
| Sun LifeWeHealth Preferred - HKD | 4 | HK$0 to HK$80,000 | HK$2,238 to – HK$7,619 | HK$2,238 to – HK$7,619 |
| AXAAXA WiseGuard Pro Medical Insurance Plan | 24 | HK$0 to HK$50,000 | HK$2,394 to – HK$17,459 | HK$2,394 to – HK$17,459 |
| FWDvPrime Medical Plan - HKD | 6 | HK$0 to HK$250,000 | HK$2,413 to – HK$10,714 | HK$2,413 to – HK$10,714 |
| ZurichHealthFlexi Plus Voluntary Health Insurance Plan - HKD | 8 | HK$0 to HK$150,000 | HK$3,000 to – HK$15,552 | HK$2,556 to – HK$13,176 |
| Chubb LifeChubb VHIS - Superb Plan - HKD | 4 | HK$0 to HK$100,000 | HK$3,037 to – HK$9,434 | HK$3,037 to – HK$9,434 |
| China Taiping LifeTaiping Life VHIS Priority Plan | 6 | HK$0 to HK$50,000 | HK$3,156 to – HK$7,640 | HK$3,156 to – HK$7,640 |
| FWDvTheOne Medical Plan | 24 | HK$0 to HK$250,000 | HK$3,214 to – HK$35,178 | HK$3,214 to – HK$35,178 |
| PrudentialPRUHealth VHIS VIP Plan | 16 | HK$0 to HK$96,000 | HK$3,224 to – HK$14,606 | HK$3,224 to – HK$14,606 |
| Sun LifeWeHealth Prestige - HKD | 4 | HK$0 to HK$80,000 | HK$3,358 to – HK$11,187 | HK$3,358 to – HK$11,187 |
| Blue CrossBlue Cross Dynasty VHIS Plan - HKD | 8 | HK$0 to HK$80,000 | HK$3,418 to – HK$17,306 | HK$3,418 to – HK$17,306 |
| CTF Life''ChampCare'' Medical Insurance Plan - Benefit Level | 14 | HK$0 to HK$36,424 | HK$3,614 to – HK$32,421 | HK$3,614 to – HK$32,421 |
| AIAAIA Voluntary Health Insurance Privilege Ultra Scheme | 16 | HK$0 to HK$50,000 | HK$3,956 to – HK$13,568 | HK$3,956 to – HK$13,568 |
| YF LifeTaxVantage Prestige Medical Plan - HKD | 4 | HK$0 to HK$100,000 | HK$4,621 to – HK$14,674 | HK$4,621 to – HK$14,674 |
| CignaCigna VHIS Series - Flexi Plan (Superior) - S | 8 | HK$0 to HK$75,000 | HK$5,071 to – HK$16,313 | HK$5,071 to – HK$16,313 |
| BOC LifeSmartViva Flexi VHIS - HKD | 4 | HK$0 to HK$70,000 | HK$5,103 to – HK$13,601 | HK$5,103 to – HK$13,601 |
| Chubb LifeChubb VHIS - Prime Plan - HKD | 10 | HK$0 to HK$150,000 | HK$5,528 to – HK$25,600 | HK$5,528 to – HK$25,600 |
| BupaGlobal Prestige VHIS Plan | 8 | HK$0 to HK$80,000 | HK$7,641 to – HK$25,618 | HK$7,641 to – HK$25,618 |
| MSIGVHIS Prestige Care - Plan C(some options) | 2 | HK$0 | HK$15,282 to – HK$19,656 | HK$15,282 to – HK$19,656 |
Before reading the numbers
- Premiums come from each plan's standard premium table published on the VHIS website (vhis.gov.hk). Only non-smoker premiums (or premiums that do not depend on smoking) are listed, matched to the exact age and sex; figures for the other sex or for smokers are never used instead.
- All figures are yearly premiums before the Insurance Authority premium levy.
- USD plans are converted at US$1 = HK$7.85.
- The range for each plan series is the lowest to highest premium across its current options (for example different deductibles, ward classes or currencies).
- Some plans accept new applicants only up to a certain age; premiums at older ages then apply to renewals only. Check the notes on each plan's premium table. For example, the premium table of Blue Cross CareForYou Standard Plan for VHIS (S00032) states that it applies to insured persons aged 0 to 80 at policy commencement, and premiums from age 81 are for renewal only. View that premium table (PDF)
- Actual premiums depend on the insurer's underwriting.
- A lower premium does not mean the same cover: benefit limits, ward class, deductible and terms can still differ between plans. Compare plan benefits side by side →