Premiums by age
VHIS premiums for ages 20–29
This page lists the standard yearly premiums of 91 VHIS plan series for ages 20–29, 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 |
|---|---|---|---|
| 20 | HK$1,248 to – HK$4,104 | HK$1,396 to – HK$4,104 | 30 |
| 21 | HK$1,268 to – HK$4,104 | HK$1,396 to – HK$4,104 | 30 |
| 22 | HK$1,268 to – HK$4,104 | HK$1,396 to – HK$4,104 | 30 |
| 23 | HK$1,268 to – HK$4,104 | HK$1,396 to – HK$4,104 | 30 |
| 24 | HK$1,268 to – HK$4,104 | HK$1,492 to – HK$4,104 | 30 |
| 25 | HK$1,452 to – HK$4,104 | HK$1,681 to – HK$4,104 | 30 |
| 26 | HK$1,512 to – HK$4,104 | HK$1,793 to – HK$4,104 | 30 |
| 27 | HK$1,560 to – HK$4,104 | HK$1,871 to – HK$4,104 | 30 |
| 28 | HK$1,586 to – HK$4,104 | HK$1,948 to – HK$4,151 | 30 |
| 29 | HK$1,603 to – HK$4,104 | HK$2,025 to – HK$4,302 | 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 20
Standard Plan: premiums at age 20
30 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| BowtieBowtie VHIS Standard | 1 | — | HK$1,248 | HK$1,464 |
| AvoAvo Voluntary Health Insurance Scheme (Standard) Plan | 1 | — | HK$1,268 | HK$1,396 |
| Sun LifeWeHealth | 1 | — | HK$1,437 | HK$1,448 |
| China LifeGuard Your Health Medical Insurance Plan | 1 | — | HK$1,460 | HK$1,600 |
| Well Link LifeWell Protect Voluntary Health Insurance Scheme (Standard) | 1 | — | HK$1,553 | HK$1,624 |
| ManulifeManulife Shelter VHIS Standard Plan | 1 | — | HK$1,554 | HK$1,742 |
| BolttechVChoice Voluntary Health Insurance Plan | 1 | — | HK$1,566 | HK$1,921 |
| AXA General Insurance Hong Kong LimitedAXA GI WiseGuard Medical Insurance Plan | 1 | — | HK$1,585 | HK$1,815 |
| AXA China Region Insurance Company Limited · S00033AXA WiseGuard Medical Insurance Plan | 1 | — | HK$1,585 | HK$1,815 |
| AXA China Region Insurance Company (Bermuda) Limited · S00014AXA WiseGuard Medical Insurance Plan | 1 | — | HK$1,585 | HK$1,815 |
| HSBC LifeHSBC Voluntary Health Insurance Standard Plan | 1 | — | HK$1,664 | HK$1,906 |
| LibertyLiberty Insurance Standard VHIS Plan | 1 | — | HK$1,668 | HK$1,668 |
| Bank of China Group Insurance Company LimitedBOC Standard Voluntary Health Insurance Scheme Certified Plan | 1 | — | HK$1,668 | HK$1,862 |
| Asia InsuranceAsia Unique - Family Care | 1 | — | HK$1,710 | HK$1,853 |
| YF LifeTaxVantage Medical Plan | 1 | — | HK$1,767 | HK$2,252 |
| China Taiping LifeTaiping Life VHIS Standard Plan | 1 | — | HK$1,790 | HK$1,997 |
| Hong Kong LifeHealth Essential Medical Plan - Standard | 1 | — | HK$1,848 | HK$2,148 |
| FWDvCore Medical Plan | 1 | — | HK$1,969 | HK$2,631 |
| AIAAIA Voluntary Health Insurance Standard Scheme | 1 | — | HK$1,970 | HK$2,232 |
| ZurichHealthSure Voluntary Health Insurance Plan | 1 | — | HK$2,016 | HK$2,172 |
| China Taiping Insurance (HK) Company LimitedTaiping Voluntary Health Insurance Scheme Standard Plan | 1 | — | HK$2,042 | HK$2,371 |
| CTF Life''WiseCare'' Medical Insurance Plan | 1 | — | HK$2,076 | HK$2,062 |
| BupaBupa MyBasic VHIS Plan | 1 | — | HK$2,163 | HK$2,163 |
| PrudentialPRUHealth CoreChoice Medical Plan | 1 | — | HK$2,200 | HK$2,329 |
| Dah SingDah Sing Insurance ADVANTAGE VHIS Standard Plan | 1 | — | HK$2,472 | HK$2,885 |
| BOC LifeBOC Life Standard VHIS | 1 | — | HK$2,475 | HK$2,475 |
| CignaCigna VHIS Series - Standard Plan | 1 | — | HK$2,485 | HK$2,485 |
| Chubb LifeChubb VHIS - Standard Plan | 1 | — | HK$2,965 | HK$3,085 |
| Blue CrossCareForYou Standard Plan for VHIS | 1 | — | HK$2,986 | HK$3,263 |
| MSIGVHIS Standard Care | 1 | — | HK$4,104 | HK$4,104 |
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 20
29 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| HSBC LifeHSBC Voluntary Health Insurance One Plan | 2 | — | HK$2,013 to – HK$3,289 | HK$2,344 to – HK$3,487 |
| AXA China Region Insurance Company Limited · F00018Smart Medicare | 12 | — | HK$2,073 to – HK$14,061 | HK$2,434 to – HK$15,163 |
| AXA China Region Insurance Company (Bermuda) Limited · F00017Smart Medicare | 12 | — | HK$2,073 to – HK$14,061 | HK$2,434 to – HK$15,163 |
| Hong Kong LifeHealth Supreme Medical Plan - Plan I | 6 | — | HK$2,197 to – HK$8,188 | HK$2,556 to – HK$9,595 |
| China LifeHealthy Life Medical Insurance Plan | 1 | — | HK$2,265 | HK$2,850 |
| China Taiping LifeTaiping Life VHIS Flexi Plan | 5 | — | HK$2,268 to – HK$9,326 | HK$2,742 to – HK$11,283 |
| ManulifeManulife First VHIS Flexi Plan | 9 | — | HK$2,312 to – HK$14,876 | HK$2,592 to – HK$14,726 |
| Sun LifeWeHealth Plus | 2 | — | HK$2,314 to – HK$3,387 | HK$2,328 to – HK$3,417 |
| BolttechVFlexi Voluntary Health Insurance Plan | 6 | — | HK$2,330 to – HK$8,639 | HK$2,425 to – HK$9,452 |
| Bank of China Group Insurance Company LimitedBOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan | 8 | — | HK$2,365 to – HK$3,968 | HK$2,857 to – HK$4,955 |
| FWDvCare Medical Plan | 1 | — | HK$2,409 | HK$3,163 |
| China LifeHealthy Life Premier Medical Insurance Plan | 4 | — | HK$2,432 to – HK$4,948 | HK$3,012 to – HK$6,284 |
| BowtieBowtie VHIS Flexi | 2 | — | HK$2,436 to – HK$4,104 | HK$2,784 to – HK$4,512 |
| YF LifeTaxVantage PrimeChoice Medical Plan | 8 | — | HK$2,555 to – HK$12,814 | HK$2,731 to – HK$13,693 |
| Well Link LifeWell Protect Voluntary Health Insurance Scheme (Flexi) | 3 | — | HK$2,645 to – HK$6,569 | HK$2,796 to – HK$6,775 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Classic) | 2 | — | HK$2,755 to – HK$3,306 | HK$2,755 to – HK$3,306 |
| PrudentialPRUHealth FlexiChoice Medical Plan | 16 | — | HK$2,883 to – HK$14,926 | HK$3,047 to – HK$13,891 |
| ZurichHealthFlexi Voluntary Health Insurance Plan | 4 | — | HK$3,000 to – HK$6,012 | HK$3,156 to – HK$6,240 |
| Asia InsuranceAsia iCare | 5 | — | HK$3,148 to – HK$6,244 | HK$3,548 to – HK$6,811 |
| FWDvCare Supreme Medical Plan | 1 | — | HK$3,310 | HK$4,486 |
| PrudentialPRUHealth VHIS EasyChoice Plan | 6 | — | HK$3,412 to – HK$10,903 | HK$3,141 to – HK$10,444 |
| BupaBupa MyFlexi VHIS Plan | 6 | — | HK$3,664 to – HK$15,853 | HK$3,664 to – HK$15,853 |
| AIAAIA Voluntary Health Insurance Flexi Scheme | 6 | — | HK$4,095 to – HK$13,229 | HK$4,179 to – HK$12,591 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Plus) | 2 | — | HK$4,172 to – HK$5,006 | HK$4,172 to – HK$5,006 |
| Chubb LifeChubb VHIS - Flexi Plan | 16 | — | HK$4,437 to – HK$16,705 | HK$4,610 to – HK$17,600 |
| CTF Life''TopCare'' Medical Insurance Plan - Benefit Level | 8 | — | HK$4,485 to – HK$14,195 | HK$4,924 to – HK$15,158 |
| Blue CrossCareForYou Super Flexi Plan for VHIS | 10 | — | HK$4,509 to – HK$19,376 | HK$4,945 to – HK$20,189 |
| CignaCigna VHIS Series - Flexi Plan (SMM) | 1 | — | HK$4,847 | HK$4,847 |
| MSIGVHIS Prestige Care(some options) | 4 | — | HK$6,966 to – HK$13,932 | HK$6,966 to – HK$13,932 |
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 20
5 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| FWDvFamily Medical Plan | 1 | — | HK$3,754 | HK$4,473 |
| FWDvCANsurance Medical Plan - S | 2 | — | HK$4,247 to – HK$7,883 | HK$5,060 to – HK$7,907 |
| CTF Life''FlexiCare'' Medical Insurance Plan - Benefit Level | 4 | — | HK$5,385 to – HK$7,514 | HK$6,070 to – HK$7,570 |
| Asia InsuranceAsia Elite - S | 2 | — | HK$6,414 to – HK$9,983 | HK$6,965 to – HK$10,840 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Premium) | 1 | — | HK$7,872 | HK$7,872 |
High-limit: premiums at age 20
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$1,548 to – HK$7,968 | HK$1,620 to – HK$8,220 |
| BupaBupa Hero VHIS Plan | 24 | HK$0 to HK$80,000 | HK$1,690 to – HK$18,573 | HK$1,690 to – HK$18,573 |
| FWDvBooster Medical Plan - HKD | 6 | HK$0 to HK$180,000 | HK$1,739 to – HK$6,253 | HK$1,739 to – HK$6,253 |
| AIAAIA Voluntary Health Insurance SelectWise Scheme | 10 | HK$0 to HK$55,000 | HK$1,829 to – HK$7,576 | HK$1,829 to – HK$7,576 |
| Chubb LifeChubb VHIS - Superb Plan - HKD | 4 | HK$0 to HK$100,000 | HK$1,843 to – HK$6,551 | HK$1,843 to – HK$6,551 |
| ManulifeManulife Supreme Lite VHIS Supplementary Benefit | 24 | HK$0 to HK$100,000 | HK$1,853 to – HK$21,412 | HK$1,853 to – HK$21,412 |
| Blue CrossBlue Cross Love Yourself VHIS Plan - HKD | 8 | HK$0 to HK$80,000 | HK$1,905 to – HK$9,017 | HK$1,905 to – HK$9,017 |
| HSBC LifeHSBC Voluntary Health Insurance Flexi Plan | 20 | HK$0 to HK$100,000 | HK$1,905 to – HK$27,220 | HK$1,905 to – HK$27,220 |
| HSBC LifeVital Care Voluntary Health Insurance Flexi Plan | 20 | HK$0 to HK$100,000 | HK$1,905 to – HK$27,220 | HK$1,905 to – HK$27,220 |
| FWDvPrime Signature Medical Plan - S | 12 | HK$0 to HK$250,000 | HK$1,936 to – HK$10,457 | HK$1,936 to – HK$10,457 |
| Sun LifeWeHealth Preferred - HKD | 4 | HK$0 to HK$80,000 | HK$2,085 to – HK$6,711 | HK$2,085 to – HK$6,711 |
| BowtieBowtie Pink VHIS Plan | 12 | HK$0 to HK$80,000 | HK$2,088 to – HK$13,224 | HK$2,088 to – HK$13,224 |
| FWDvPrime Medical Plan - HKD | 6 | HK$0 to HK$250,000 | HK$2,260 to – HK$10,387 | HK$2,260 to – HK$10,387 |
| ManulifeManulife Supreme VHIS Flexi Plan | 14 | HK$0 to HK$100,000 | HK$2,266 to – HK$22,539 | HK$2,266 to – HK$22,539 |
| PrudentialPRUHealth VHIS VIP Plan | 16 | HK$0 to HK$96,000 | HK$2,543 to – HK$12,867 | HK$2,543 to – HK$12,867 |
| Chubb LifeChubb VHIS - Prime Plan - HKD | 10 | HK$0 to HK$150,000 | HK$2,696 to – HK$12,295 | HK$2,696 to – HK$12,295 |
| AXAAXA WiseGuard Pro Medical Insurance Plan | 24 | HK$0 to HK$50,000 | HK$2,751 to – HK$17,906 | HK$2,751 to – HK$17,906 |
| Blue CrossBlue Cross Dynasty VHIS Plan - HKD | 8 | HK$0 to HK$80,000 | HK$2,922 to – HK$14,798 | HK$2,922 to – HK$14,798 |
| Sun LifeWeHealth Prestige - HKD | 4 | HK$0 to HK$80,000 | HK$3,123 to – HK$9,522 | HK$3,123 to – HK$9,522 |
| China Taiping LifeTaiping Life VHIS Priority Plan | 6 | HK$0 to HK$50,000 | HK$3,250 to – HK$7,875 | HK$3,250 to – HK$7,875 |
| CignaCigna VHIS Series - Flexi Plan (Superior) - S | 8 | HK$0 to HK$75,000 | HK$3,384 to – HK$11,628 | HK$3,384 to – HK$11,628 |
| YF LifeTaxVantage Prestige Medical Plan - HKD | 4 | HK$0 to HK$100,000 | HK$3,462 to – HK$10,502 | HK$3,462 to – HK$10,502 |
| 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$3,760 to – HK$14,008 | HK$3,760 to – HK$14,008 |
| FWDvTheOne Medical Plan | 24 | HK$0 to HK$250,000 | HK$3,793 to – HK$39,716 | HK$3,793 to – HK$39,716 |
| BOC LifeSmartViva Flexi VHIS - HKD | 4 | HK$0 to HK$70,000 | HK$3,934 to – HK$11,287 | HK$3,934 to – HK$11,287 |
| 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$16,740 to – HK$21,654 | HK$16,740 to – HK$21,654 |
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 →