Premiums by age
VHIS premiums for ages 10–19
This page lists the standard yearly premiums of 91 VHIS plan series for ages 10–19, 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 |
|---|---|---|---|
| 10 | HK$1,152 to – HK$2,916 | HK$1,128 to – HK$2,916 | 30 |
| 11 | HK$1,152 to – HK$2,916 | HK$1,128 to – HK$2,916 | 30 |
| 12 | HK$1,152 to – HK$2,916 | HK$1,152 to – HK$2,916 | 30 |
| 13 | HK$1,164 to – HK$2,916 | HK$1,217 to – HK$2,916 | 30 |
| 14 | HK$1,158 to – HK$2,916 | HK$1,240 to – HK$2,916 | 30 |
| 15 | HK$1,180 to – HK$2,916 | HK$1,240 to – HK$2,916 | 30 |
| 16 | HK$1,206 to – HK$2,916 | HK$1,309 to – HK$2,916 | 30 |
| 17 | HK$1,228 to – HK$2,916 | HK$1,309 to – HK$2,916 | 30 |
| 18 | HK$1,236 to – HK$4,104 | HK$1,396 to – HK$4,104 | 30 |
| 19 | HK$1,236 to – HK$4,104 | HK$1,396 to – HK$4,104 | 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 10
Standard Plan: premiums at age 10
30 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| BowtieBowtie VHIS Standard | 1 | — | HK$1,152 | HK$1,140 |
| AvoAvo Voluntary Health Insurance Scheme (Standard) Plan | 1 | — | HK$1,228 | HK$1,309 |
| ManulifeManulife Shelter VHIS Standard Plan | 1 | — | HK$1,254 | HK$1,324 |
| BolttechVChoice Voluntary Health Insurance Plan | 1 | — | HK$1,363 | HK$1,525 |
| AXA General Insurance Hong Kong LimitedAXA GI WiseGuard Medical Insurance Plan | 1 | — | HK$1,379 | HK$1,640 |
| AXA China Region Insurance Company Limited · S00033AXA WiseGuard Medical Insurance Plan | 1 | — | HK$1,379 | HK$1,640 |
| AXA China Region Insurance Company (Bermuda) Limited · S00014AXA WiseGuard Medical Insurance Plan | 1 | — | HK$1,379 | HK$1,640 |
| LibertyLiberty Insurance Standard VHIS Plan | 1 | — | HK$1,444 | HK$1,444 |
| HSBC LifeHSBC Voluntary Health Insurance Standard Plan | 1 | — | HK$1,448 | HK$1,722 |
| China LifeGuard Your Health Medical Insurance Plan | 1 | — | HK$1,450 | HK$1,450 |
| Sun LifeWeHealth | 1 | — | HK$1,456 | HK$1,240 |
| Bank of China Group Insurance Company LimitedBOC Standard Voluntary Health Insurance Scheme Certified Plan | 1 | — | HK$1,532 | HK$1,128 |
| Well Link LifeWell Protect Voluntary Health Insurance Scheme (Standard) | 1 | — | HK$1,654 | HK$1,624 |
| YF LifeTaxVantage Medical Plan | 1 | — | HK$1,706 | HK$1,811 |
| AIAAIA Voluntary Health Insurance Standard Scheme | 1 | — | HK$1,781 | HK$1,940 |
| China Taiping LifeTaiping Life VHIS Standard Plan | 1 | — | HK$1,787 | HK$1,317 |
| CTF Life''WiseCare'' Medical Insurance Plan | 1 | — | HK$1,789 | HK$1,551 |
| Asia InsuranceAsia Unique - Family Care | 1 | — | HK$1,789 | HK$1,866 |
| Hong Kong LifeHealth Essential Medical Plan - Standard | 1 | — | HK$1,818 | HK$1,635 |
| FWDvCore Medical Plan | 1 | — | HK$1,829 | HK$2,176 |
| China Taiping Insurance (HK) Company LimitedTaiping Voluntary Health Insurance Scheme Standard Plan | 1 | — | HK$1,968 | HK$1,808 |
| ZurichHealthSure Voluntary Health Insurance Plan | 1 | — | HK$1,968 | HK$1,956 |
| PrudentialPRUHealth CoreChoice Medical Plan | 1 | — | HK$2,066 | HK$1,852 |
| CignaCigna VHIS Series - Standard Plan | 1 | — | HK$2,339 | HK$2,339 |
| Blue CrossCareForYou Standard Plan for VHIS | 1 | — | HK$2,346 | HK$1,863 |
| BOC LifeBOC Life Standard VHIS | 1 | — | HK$2,475 | HK$2,475 |
| Dah SingDah Sing Insurance ADVANTAGE VHIS Standard Plan | 1 | — | HK$2,800 | HK$2,800 |
| BupaBupa MyBasic VHIS Plan | 1 | — | HK$2,810 | HK$2,810 |
| Chubb LifeChubb VHIS - Standard Plan | 1 | — | HK$2,877 | HK$2,512 |
| MSIGVHIS Standard Care | 1 | — | HK$2,916 | HK$2,916 |
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 10
29 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| Bank of China Group Insurance Company LimitedBOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan | 8 | — | HK$1,558 to – HK$3,272 | HK$1,555 to – HK$2,697 |
| ManulifeManulife First VHIS Flexi Plan | 9 | — | HK$1,867 to – HK$12,009 | HK$1,971 to – HK$11,192 |
| HSBC LifeHSBC Voluntary Health Insurance One Plan | 2 | — | HK$1,953 to – HK$3,086 | HK$2,102 to – HK$3,086 |
| AXA China Region Insurance Company Limited · F00018Smart Medicare | 12 | — | HK$2,009 to – HK$12,229 | HK$2,149 to – HK$13,364 |
| AXA China Region Insurance Company (Bermuda) Limited · F00017Smart Medicare | 12 | — | HK$2,009 to – HK$12,229 | HK$2,149 to – HK$13,364 |
| Hong Kong LifeHealth Supreme Medical Plan - Plan I | 6 | — | HK$2,091 to – HK$7,419 | HK$1,612 to – HK$5,739 |
| China LifeHealthy Life Medical Insurance Plan | 1 | — | HK$2,109 | HK$2,109 |
| BolttechVFlexi Voluntary Health Insurance Plan | 6 | — | HK$2,214 to – HK$8,390 | HK$2,214 to – HK$8,390 |
| FWDvCare Medical Plan | 1 | — | HK$2,252 | HK$2,635 |
| China Taiping LifeTaiping Life VHIS Flexi Plan | 5 | — | HK$2,263 to – HK$9,471 | HK$1,668 to – HK$6,979 |
| China LifeHealthy Life Premier Medical Insurance Plan | 4 | — | HK$2,280 to – HK$5,244 | HK$2,280 to – HK$5,244 |
| YF LifeTaxVantage PrimeChoice Medical Plan | 8 | — | HK$2,329 to – HK$11,679 | HK$2,251 to – HK$11,289 |
| Sun LifeWeHealth Plus | 2 | — | HK$2,335 to – HK$3,412 | HK$2,032 to – HK$2,816 |
| BowtieBowtie VHIS Flexi | 2 | — | HK$2,340 to – HK$4,200 | HK$2,220 to – HK$3,756 |
| PrudentialPRUHealth FlexiChoice Medical Plan | 16 | — | HK$2,724 to – HK$13,842 | HK$2,429 to – HK$11,768 |
| Well Link LifeWell Protect Voluntary Health Insurance Scheme (Flexi) | 3 | — | HK$2,775 to – HK$7,025 | HK$2,796 to – HK$6,508 |
| Asia InsuranceAsia iCare | 5 | — | HK$2,949 to – HK$5,617 | HK$3,012 to – HK$5,104 |
| FWDvCare Supreme Medical Plan | 1 | — | HK$2,953 | HK$3,544 |
| ZurichHealthFlexi Voluntary Health Insurance Plan | 4 | — | HK$2,976 to – HK$5,892 | HK$2,976 to – HK$5,988 |
| PrudentialPRUHealth VHIS EasyChoice Plan | 6 | — | HK$3,024 to – HK$10,722 | HK$2,472 to – HK$8,573 |
| AIAAIA Voluntary Health Insurance Flexi Scheme | 6 | — | HK$3,394 to – HK$10,254 | HK$3,412 to – HK$9,549 |
| CTF Life''TopCare'' Medical Insurance Plan - Benefit Level | 8 | — | HK$3,865 to – HK$11,616 | HK$3,707 to – HK$10,541 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Classic) | 2 | — | HK$3,896 to – HK$4,675 | HK$3,896 to – HK$4,675 |
| Blue CrossCareForYou Super Flexi Plan for VHIS | 10 | — | HK$3,927 to – HK$16,557 | HK$3,927 to – HK$16,557 |
| Chubb LifeChubb VHIS - Flexi Plan | 16 | — | HK$4,315 to – HK$16,532 | HK$3,862 to – HK$16,344 |
| CignaCigna VHIS Series - Flexi Plan (SMM) | 1 | — | HK$4,480 | HK$4,480 |
| MSIGVHIS Prestige Care(some options) | 4 | — | HK$4,806 to – HK$10,152 | HK$4,806 to – HK$10,152 |
| BupaBupa MyFlexi VHIS Plan | 6 | — | HK$4,879 to – HK$20,921 | HK$4,879 to – HK$20,921 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Plus) | 2 | — | HK$5,899 to – HK$7,079 | HK$5,899 to – HK$7,079 |
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 10
5 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| FWDvFamily Medical Plan | 1 | — | HK$4,728 | HK$4,394 |
| FWDvCANsurance Medical Plan - S | 2 | — | HK$5,349 to – HK$8,355 | HK$4,971 to – HK$7,575 |
| Asia InsuranceAsia Elite - S | 2 | — | HK$5,706 to – HK$8,882 | HK$5,038 to – HK$7,842 |
| CTF Life''FlexiCare'' Medical Insurance Plan - Benefit Level | 4 | — | HK$6,738 to – HK$8,420 | HK$6,262 to – HK$7,635 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Premium) | 1 | — | HK$11,130 | HK$11,130 |
High-limit: premiums at age 10
28 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| ZurichHealthFlexi Plus Voluntary Health Insurance Plan - HKD | 8 | HK$0 to HK$150,000 | HK$1,536 to – HK$7,896 | HK$1,476 to – HK$7,560 |
| FWDvBooster Medical Plan - HKD | 6 | HK$0 to HK$180,000 | HK$1,645 to – HK$5,896 | HK$1,645 to – HK$5,896 |
| BowtieBowtie Pink VHIS Plan | 12 | HK$0 to HK$80,000 | HK$1,692 to – HK$12,036 | HK$1,692 to – HK$12,036 |
| BupaBupa Hero VHIS Plan | 24 | HK$0 to HK$80,000 | HK$1,769 to – HK$17,118 | HK$1,769 to – HK$17,118 |
| AIAAIA Voluntary Health Insurance SelectWise Scheme | 10 | HK$0 to HK$55,000 | HK$1,782 to – HK$7,336 | HK$1,782 to – HK$7,336 |
| Blue CrossBlue Cross Love Yourself VHIS Plan - HKD | 8 | HK$0 to HK$80,000 | HK$1,797 to – HK$8,502 | HK$1,797 to – HK$8,502 |
| HSBC LifeHSBC Voluntary Health Insurance Flexi Plan | 20 | HK$0 to HK$100,000 | HK$1,824 to – HK$23,298 | HK$1,824 to – HK$23,298 |
| HSBC LifeVital Care Voluntary Health Insurance Flexi Plan | 20 | HK$0 to HK$100,000 | HK$1,824 to – HK$23,298 | HK$1,824 to – HK$23,298 |
| 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 |
| FWDvPrime Signature Medical Plan - S | 12 | HK$0 to HK$250,000 | HK$1,852 to – HK$9,862 | HK$1,852 to – HK$9,862 |
| Sun LifeWeHealth Preferred - HKD | 4 | HK$0 to HK$80,000 | HK$2,059 to – HK$6,158 | HK$2,059 to – HK$6,158 |
| FWDvPrime Medical Plan - HKD | 6 | HK$0 to HK$250,000 | HK$2,161 to – HK$9,794 | HK$2,161 to – HK$9,794 |
| 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 |
| Chubb LifeChubb VHIS - Superb Plan - HKD | 4 | HK$0 to HK$100,000 | HK$2,321 to – HK$6,983 | HK$2,321 to – HK$6,983 |
| AXAAXA WiseGuard Pro Medical Insurance Plan | 24 | HK$0 to HK$50,000 | HK$2,362 to – HK$15,087 | HK$2,362 to – HK$15,087 |
| PrudentialPRUHealth VHIS VIP Plan | 16 | HK$0 to HK$96,000 | HK$2,854 to – HK$13,970 | HK$2,854 to – HK$13,970 |
| Blue CrossBlue Cross Dynasty VHIS Plan - HKD | 8 | HK$0 to HK$80,000 | HK$3,031 to – HK$15,348 | HK$3,031 to – HK$15,348 |
| Sun LifeWeHealth Prestige - HKD | 4 | HK$0 to HK$80,000 | HK$3,119 to – HK$9,190 | HK$3,119 to – HK$9,190 |
| 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 |
| CignaCigna VHIS Series - Flexi Plan (Superior) - S | 8 | HK$0 to HK$75,000 | HK$3,387 to – HK$10,705 | HK$3,387 to – HK$10,705 |
| 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$3,666 to – HK$13,568 | HK$3,666 to – HK$13,568 |
| BOC LifeSmartViva Flexi VHIS - HKD | 4 | HK$0 to HK$70,000 | HK$3,711 to – HK$10,403 | HK$3,711 to – HK$10,403 |
| YF LifeTaxVantage Prestige Medical Plan - HKD | 4 | HK$0 to HK$100,000 | HK$3,830 to – HK$11,902 | HK$3,830 to – HK$11,902 |
| Chubb LifeChubb VHIS - Prime Plan - HKD | 10 | HK$0 to HK$150,000 | HK$5,336 to – HK$23,994 | HK$5,336 to – HK$23,994 |
| BupaGlobal Prestige VHIS Plan | 8 | HK$0 to HK$80,000 | HK$10,945 to – HK$24,774 | HK$10,945 to – HK$24,774 |
| MSIGVHIS Prestige Care - Plan C(some options) | 2 | HK$0 | HK$13,338 to – HK$17,172 | HK$13,338 to – HK$17,172 |
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 →