Premiums by age
VHIS premiums for ages 30–39
This page lists the standard yearly premiums of 91 VHIS plan series for ages 30–39, 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 |
|---|---|---|---|
| 30 | HK$1,620 to – HK$4,104 | HK$2,070 to – HK$4,451 | 30 |
| 31 | HK$1,674 to – HK$4,914 | HK$2,123 to – HK$4,914 | 30 |
| 32 | HK$1,713 to – HK$4,914 | HK$2,176 to – HK$4,914 | 30 |
| 33 | HK$1,773 to – HK$4,914 | HK$2,229 to – HK$4,914 | 30 |
| 34 | HK$1,838 to – HK$4,914 | HK$2,282 to – HK$4,961 | 30 |
| 35 | HK$1,940 to – HK$4,914 | HK$2,335 to – HK$5,147 | 30 |
| 36 | HK$2,002 to – HK$4,914 | HK$2,403 to – HK$5,242 | 30 |
| 37 | HK$2,046 to – HK$4,914 | HK$2,445 to – HK$5,396 | 30 |
| 38 | HK$2,091 to – HK$4,914 | HK$2,520 to – HK$5,620 | 30 |
| 39 | HK$2,139 to – HK$4,914 | HK$2,680 to – HK$5,804 | 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 30
Standard Plan: premiums at age 30
30 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| AvoAvo Voluntary Health Insurance Scheme (Standard) Plan | 1 | — | HK$1,620 | HK$2,079 |
| BowtieBowtie VHIS Standard | 1 | — | HK$1,656 | HK$2,100 |
| Sun LifeWeHealth | 1 | — | HK$1,766 | HK$2,118 |
| China LifeGuard Your Health Medical Insurance Plan | 1 | — | HK$1,949 | HK$2,462 |
| Well Link LifeWell Protect Voluntary Health Insurance Scheme (Standard) | 1 | — | HK$1,956 | HK$2,323 |
| BolttechVChoice Voluntary Health Insurance Plan | 1 | — | HK$1,993 | HK$2,576 |
| AXA General Insurance Hong Kong LimitedAXA GI WiseGuard Medical Insurance Plan | 1 | — | HK$1,996 | HK$2,080 |
| AXA China Region Insurance Company Limited · S00033AXA WiseGuard Medical Insurance Plan | 1 | — | HK$1,996 | HK$2,080 |
| AXA China Region Insurance Company (Bermuda) Limited · S00014AXA WiseGuard Medical Insurance Plan | 1 | — | HK$1,996 | HK$2,080 |
| ManulifeManulife Shelter VHIS Standard Plan | 1 | — | HK$2,019 | HK$2,527 |
| YF LifeTaxVantage Medical Plan | 1 | — | HK$2,020 | HK$3,360 |
| LibertyLiberty Insurance Standard VHIS Plan | 1 | — | HK$2,070 | HK$2,070 |
| HSBC LifeHSBC Voluntary Health Insurance Standard Plan | 1 | — | HK$2,096 | HK$2,184 |
| Asia InsuranceAsia Unique - Family Care | 1 | — | HK$2,153 | HK$2,921 |
| ZurichHealthSure Voluntary Health Insurance Plan | 1 | — | HK$2,220 | HK$2,712 |
| China Taiping LifeTaiping Life VHIS Standard Plan | 1 | — | HK$2,274 | HK$2,867 |
| Bank of China Group Insurance Company LimitedBOC Standard Voluntary Health Insurance Scheme Certified Plan | 1 | — | HK$2,323 | HK$2,928 |
| AIAAIA Voluntary Health Insurance Standard Scheme | 1 | — | HK$2,325 | HK$3,586 |
| FWDvCore Medical Plan | 1 | — | HK$2,475 | HK$3,414 |
| Hong Kong LifeHealth Essential Medical Plan - Standard | 1 | — | HK$2,568 | HK$3,374 |
| CTF Life''WiseCare'' Medical Insurance Plan | 1 | — | HK$2,598 | HK$3,137 |
| PrudentialPRUHealth CoreChoice Medical Plan | 1 | — | HK$2,647 | HK$3,507 |
| China Taiping Insurance (HK) Company LimitedTaiping Voluntary Health Insurance Scheme Standard Plan | 1 | — | HK$2,666 | HK$3,896 |
| BOC LifeBOC Life Standard VHIS | 1 | — | HK$2,707 | HK$3,260 |
| BupaBupa MyBasic VHIS Plan | 1 | — | HK$2,737 | HK$2,737 |
| CignaCigna VHIS Series - Standard Plan | 1 | — | HK$3,089 | HK$3,089 |
| Dah SingDah Sing Insurance ADVANTAGE VHIS Standard Plan | 1 | — | HK$3,208 | HK$4,230 |
| Blue CrossCareForYou Standard Plan for VHIS | 1 | — | HK$3,469 | HK$3,657 |
| Chubb LifeChubb VHIS - Standard Plan | 1 | — | HK$3,523 | HK$4,451 |
| 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 30
29 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| HSBC LifeHSBC Voluntary Health Insurance One Plan | 2 | — | HK$2,473 to – HK$4,088 | HK$3,172 to – HK$4,905 |
| AXA China Region Insurance Company Limited · F00018Smart Medicare | 12 | — | HK$2,587 to – HK$17,641 | HK$3,369 to – HK$21,529 |
| AXA China Region Insurance Company (Bermuda) Limited · F00017Smart Medicare | 12 | — | HK$2,587 to – HK$17,641 | HK$3,369 to – HK$21,529 |
| BolttechVFlexi Voluntary Health Insurance Plan | 6 | — | HK$2,785 to – HK$10,469 | HK$3,158 to – HK$12,429 |
| Sun LifeWeHealth Plus | 2 | — | HK$2,792 to – HK$3,867 | HK$3,315 to – HK$4,608 |
| YF LifeTaxVantage PrimeChoice Medical Plan | 8 | — | HK$2,890 to – HK$14,490 | HK$3,688 to – HK$18,492 |
| Hong Kong LifeHealth Supreme Medical Plan - Plan I | 6 | — | HK$2,901 to – HK$11,431 | HK$3,812 to – HK$15,063 |
| FWDvCare Medical Plan | 1 | — | HK$3,002 | HK$4,104 |
| ManulifeManulife First VHIS Flexi Plan | 9 | — | HK$3,005 to – HK$19,326 | HK$3,761 to – HK$21,363 |
| BowtieBowtie VHIS Flexi | 2 | — | HK$3,048 to – HK$5,436 | HK$4,452 to – HK$7,068 |
| Well Link LifeWell Protect Voluntary Health Insurance Scheme (Flexi) | 3 | — | HK$3,168 to – HK$8,272 | HK$3,925 to – HK$9,807 |
| ZurichHealthFlexi Voluntary Health Insurance Plan | 4 | — | HK$3,192 to – HK$6,336 | HK$3,852 to – HK$7,656 |
| China LifeHealthy Life Medical Insurance Plan | 1 | — | HK$3,222 | HK$4,188 |
| China Taiping LifeTaiping Life VHIS Flexi Plan | 5 | — | HK$3,311 to – HK$13,406 | HK$4,362 to – HK$17,701 |
| Bank of China Group Insurance Company LimitedBOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan | 8 | — | HK$3,337 to – HK$6,165 | HK$4,265 to – HK$9,270 |
| PrudentialPRUHealth FlexiChoice Medical Plan | 16 | — | HK$3,348 to – HK$20,182 | HK$4,515 to – HK$23,605 |
| China LifeHealthy Life Premier Medical Insurance Plan | 4 | — | HK$3,386 to – HK$7,657 | HK$4,528 to – HK$9,994 |
| Asia InsuranceAsia iCare | 5 | — | HK$3,587 to – HK$7,792 | HK$5,144 to – HK$9,339 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Classic) | 2 | — | HK$3,710 to – HK$4,452 | HK$3,710 to – HK$4,452 |
| PrudentialPRUHealth VHIS EasyChoice Plan | 6 | — | HK$4,254 to – HK$15,886 | HK$5,222 to – HK$17,954 |
| FWDvCare Supreme Medical Plan | 1 | — | HK$4,276 | HK$5,744 |
| BupaBupa MyFlexi VHIS Plan | 6 | — | HK$4,670 to – HK$20,159 | HK$4,670 to – HK$20,159 |
| Blue CrossCareForYou Super Flexi Plan for VHIS | 10 | — | HK$4,919 to – HK$20,718 | HK$5,195 to – HK$22,019 |
| AIAAIA Voluntary Health Insurance Flexi Scheme | 6 | — | HK$5,029 to – HK$15,934 | HK$6,238 to – HK$17,642 |
| CTF Life''TopCare'' Medical Insurance Plan - Benefit Level | 8 | — | HK$5,195 to – HK$16,924 | HK$7,138 to – HK$20,485 |
| Chubb LifeChubb VHIS - Flexi Plan | 16 | — | HK$5,264 to – HK$19,272 | HK$6,629 to – HK$22,985 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Plus) | 2 | — | HK$5,618 to – HK$6,742 | HK$5,618 to – HK$6,742 |
| CignaCigna VHIS Series - Flexi Plan (SMM) | 1 | — | HK$6,126 | HK$6,126 |
| 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 30
5 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| FWDvFamily Medical Plan | 1 | — | HK$4,917 | HK$6,464 |
| FWDvCANsurance Medical Plan - S | 2 | — | HK$5,745 to – HK$10,707 | HK$7,552 to – HK$10,893 |
| CTF Life''FlexiCare'' Medical Insurance Plan - Benefit Level | 4 | — | HK$7,007 to – HK$10,327 | HK$9,212 to – HK$11,551 |
| Asia InsuranceAsia Elite - S | 2 | — | HK$8,046 to – HK$12,671 | HK$10,689 to – HK$16,832 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Premium) | 1 | — | HK$10,600 | HK$10,600 |
High-limit: premiums at age 30
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$2,016 to – HK$10,356 | HK$2,436 to – HK$12,612 |
| FWDvBooster Medical Plan - HKD | 6 | HK$0 to HK$180,000 | HK$2,093 to – HK$8,260 | HK$2,093 to – HK$8,260 |
| Chubb LifeChubb VHIS - Superb Plan - HKD | 4 | HK$0 to HK$100,000 | HK$2,163 to – HK$9,071 | HK$2,163 to – HK$9,071 |
| ManulifeManulife Supreme Lite VHIS Supplementary Benefit | 24 | HK$0 to HK$100,000 | HK$2,206 to – HK$26,591 | HK$2,206 to – HK$26,591 |
| HSBC LifeHSBC Voluntary Health Insurance Flexi Plan | 20 | HK$0 to HK$100,000 | HK$2,333 to – HK$33,301 | HK$2,333 to – HK$33,301 |
| HSBC LifeVital Care Voluntary Health Insurance Flexi Plan | 20 | HK$0 to HK$100,000 | HK$2,333 to – HK$33,301 | HK$2,333 to – HK$33,301 |
| FWDvPrime Signature Medical Plan - S | 12 | HK$0 to HK$250,000 | HK$2,376 to – HK$14,362 | HK$2,376 to – HK$14,362 |
| BupaBupa Hero VHIS Plan | 24 | HK$0 to HK$80,000 | HK$2,442 to – HK$22,855 | HK$2,442 to – HK$22,855 |
| Sun LifeWeHealth Preferred - HKD | 4 | HK$0 to HK$80,000 | HK$2,555 to – HK$8,958 | HK$2,555 to – HK$8,958 |
| BowtieBowtie Pink VHIS Plan | 12 | HK$0 to HK$80,000 | HK$2,556 to – HK$16,800 | HK$2,556 to – HK$16,800 |
| ManulifeManulife Supreme VHIS Flexi Plan | 14 | HK$0 to HK$100,000 | HK$2,698 to – HK$27,990 | HK$2,698 to – HK$27,990 |
| FWDvPrime Medical Plan - HKD | 6 | HK$0 to HK$250,000 | HK$2,774 to – HK$14,265 | HK$2,774 to – HK$14,265 |
| Blue CrossBlue Cross Love Yourself VHIS Plan - HKD | 8 | HK$0 to HK$80,000 | HK$2,883 to – HK$13,643 | HK$2,883 to – HK$13,643 |
| AIAAIA Voluntary Health Insurance SelectWise Scheme | 10 | HK$0 to HK$55,000 | HK$3,195 to – HK$12,888 | HK$3,195 to – HK$12,888 |
| Chubb LifeChubb VHIS - Prime Plan - HKD | 10 | HK$0 to HK$150,000 | HK$3,355 to – HK$18,715 | HK$3,355 to – HK$18,715 |
| AXAAXA WiseGuard Pro Medical Insurance Plan | 24 | HK$0 to HK$50,000 | HK$3,506 to – HK$22,743 | HK$3,506 to – HK$22,743 |
| Sun LifeWeHealth Prestige - HKD | 4 | HK$0 to HK$80,000 | HK$3,548 to – HK$13,577 | HK$3,548 to – HK$13,577 |
| PrudentialPRUHealth VHIS VIP Plan | 16 | HK$0 to HK$96,000 | HK$3,850 to – HK$18,610 | HK$3,850 to – HK$18,610 |
| FWDvTheOne Medical Plan | 24 | HK$0 to HK$250,000 | HK$3,963 to – HK$44,163 | HK$3,963 to – HK$44,163 |
| CignaCigna VHIS Series - Flexi Plan (Superior) - S | 8 | HK$0 to HK$75,000 | HK$4,109 to – HK$16,150 | HK$4,109 to – HK$16,150 |
| Blue CrossBlue Cross Dynasty VHIS Plan - HKD | 8 | HK$0 to HK$80,000 | HK$4,502 to – HK$22,804 | HK$4,502 to – HK$22,804 |
| China Taiping LifeTaiping Life VHIS Priority Plan | 6 | HK$0 to HK$50,000 | HK$4,773 to – HK$11,577 | HK$4,773 to – HK$11,577 |
| YF LifeTaxVantage Prestige Medical Plan - HKD | 4 | HK$0 to HK$100,000 | HK$4,833 to – HK$15,307 | HK$4,833 to – HK$15,307 |
| BOC LifeSmartViva Flexi VHIS - HKD | 4 | HK$0 to HK$70,000 | HK$5,217 to – HK$13,888 | HK$5,217 to – HK$13,888 |
| CTF Life''ChampCare'' Medical Insurance Plan - Benefit Level | 14 | HK$0 to HK$36,424 | HK$5,382 to – HK$50,523 | HK$5,382 to – HK$50,523 |
| AIAAIA Voluntary Health Insurance Privilege Ultra Scheme | 16 | HK$0 to HK$50,000 | HK$5,644 to – HK$20,424 | HK$5,644 to – HK$20,424 |
| MSIGVHIS Prestige Care - Plan C(some options) | 2 | HK$0 | HK$16,740 to – HK$21,654 | HK$16,740 to – HK$21,654 |
| BupaGlobal Prestige VHIS Plan | 8 | HK$0 to HK$80,000 | HK$24,554 to – HK$55,573 | HK$24,554 to – HK$55,573 |
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 →