Premiums by age
VHIS premiums for ages 40–49
This page lists the standard yearly premiums of 91 VHIS plan series for ages 40–49, 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 |
|---|---|---|---|
| 40 | HK$2,267 to – HK$4,914 | HK$2,767 to – HK$5,994 | 30 |
| 41 | HK$2,353 to – HK$6,588 | HK$2,911 to – HK$6,588 | 30 |
| 42 | HK$2,444 to – HK$6,588 | HK$3,046 to – HK$6,588 | 30 |
| 43 | HK$2,543 to – HK$6,588 | HK$3,188 to – HK$6,588 | 30 |
| 44 | HK$2,689 to – HK$6,588 | HK$3,312 to – HK$6,782 | 30 |
| 45 | HK$2,952 to – HK$6,588 | HK$3,472 to – HK$7,021 | 30 |
| 46 | HK$3,047 to – HK$6,588 | HK$3,624 to – HK$7,254 | 30 |
| 47 | HK$3,145 to – HK$6,781 | HK$3,782 to – HK$7,481 | 30 |
| 48 | HK$3,250 to – HK$7,056 | HK$3,947 to – HK$7,759 | 30 |
| 49 | HK$3,401 to – HK$7,341 | HK$4,123 to – HK$8,073 | 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 40
Standard Plan: premiums at age 40
30 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| AvoAvo Voluntary Health Insurance Scheme (Standard) Plan | 1 | — | HK$2,267 | HK$2,792 |
| BowtieBowtie VHIS Standard | 1 | — | HK$2,304 | HK$2,820 |
| Sun LifeWeHealth | 1 | — | HK$2,351 | HK$2,782 |
| China LifeGuard Your Health Medical Insurance Plan | 1 | — | HK$2,483 | HK$3,417 |
| BolttechVChoice Voluntary Health Insurance Plan | 1 | — | HK$2,643 | HK$3,517 |
| ManulifeManulife Shelter VHIS Standard Plan | 1 | — | HK$2,655 | HK$3,749 |
| Well Link LifeWell Protect Voluntary Health Insurance Scheme (Standard) | 1 | — | HK$2,661 | HK$3,642 |
| YF LifeTaxVantage Medical Plan | 1 | — | HK$2,740 | HK$4,855 |
| LibertyLiberty Insurance Standard VHIS Plan | 1 | — | HK$2,767 | HK$2,767 |
| AXA General Insurance Hong Kong LimitedAXA GI WiseGuard Medical Insurance Plan | 1 | — | HK$2,852 | HK$2,901 |
| AXA China Region Insurance Company Limited · S00033AXA WiseGuard Medical Insurance Plan | 1 | — | HK$2,852 | HK$2,901 |
| AXA China Region Insurance Company (Bermuda) Limited · S00014AXA WiseGuard Medical Insurance Plan | 1 | — | HK$2,852 | HK$2,901 |
| Asia InsuranceAsia Unique - Family Care | 1 | — | HK$2,895 | HK$4,162 |
| ZurichHealthSure Voluntary Health Insurance Plan | 1 | — | HK$2,916 | HK$3,648 |
| AIAAIA Voluntary Health Insurance Standard Scheme | 1 | — | HK$2,959 | HK$4,626 |
| HSBC LifeHSBC Voluntary Health Insurance Standard Plan | 1 | — | HK$2,995 | HK$3,046 |
| CTF Life''WiseCare'' Medical Insurance Plan | 1 | — | HK$3,140 | HK$4,282 |
| FWDvCore Medical Plan | 1 | — | HK$3,265 | HK$4,421 |
| China Taiping LifeTaiping Life VHIS Standard Plan | 1 | — | HK$3,286 | HK$4,635 |
| Bank of China Group Insurance Company LimitedBOC Standard Voluntary Health Insurance Scheme Certified Plan | 1 | — | HK$3,390 | HK$4,782 |
| Hong Kong LifeHealth Essential Medical Plan - Standard | 1 | — | HK$3,410 | HK$4,785 |
| PrudentialPRUHealth CoreChoice Medical Plan | 1 | — | HK$3,700 | HK$4,975 |
| China Taiping Insurance (HK) Company LimitedTaiping Voluntary Health Insurance Scheme Standard Plan | 1 | — | HK$3,725 | HK$5,406 |
| BOC LifeBOC Life Standard VHIS | 1 | — | HK$3,757 | HK$5,056 |
| CignaCigna VHIS Series - Standard Plan | 1 | — | HK$3,846 | HK$3,846 |
| Chubb LifeChubb VHIS - Standard Plan | 1 | — | HK$4,179 | HK$5,577 |
| Dah SingDah Sing Insurance ADVANTAGE VHIS Standard Plan | 1 | — | HK$4,445 | HK$5,994 |
| BupaBupa MyBasic VHIS Plan | 1 | — | HK$4,796 | HK$4,796 |
| Blue CrossCareForYou Standard Plan for VHIS | 1 | — | HK$4,898 | HK$5,218 |
| MSIGVHIS Standard Care | 1 | — | HK$4,914 | HK$4,914 |
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 40
29 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| HSBC LifeHSBC Voluntary Health Insurance One Plan | 2 | — | HK$3,290 to – HK$5,377 | HK$4,574 to – HK$6,723 |
| BolttechVFlexi Voluntary Health Insurance Plan | 6 | — | HK$3,439 to – HK$13,488 | HK$4,168 to – HK$17,097 |
| AXA China Region Insurance Company Limited · F00018Smart Medicare | 12 | — | HK$3,478 to – HK$23,284 | HK$4,883 to – HK$29,366 |
| AXA China Region Insurance Company (Bermuda) Limited · F00017Smart Medicare | 12 | — | HK$3,478 to – HK$23,284 | HK$4,883 to – HK$29,366 |
| Sun LifeWeHealth Plus | 2 | — | HK$3,714 to – HK$5,061 | HK$4,345 to – HK$5,826 |
| Hong Kong LifeHealth Supreme Medical Plan - Plan I | 6 | — | HK$3,855 to – HK$15,190 | HK$5,408 to – HK$21,554 |
| YF LifeTaxVantage PrimeChoice Medical Plan | 8 | — | HK$3,889 to – HK$19,503 | HK$5,406 to – HK$27,111 |
| ManulifeManulife First VHIS Flexi Plan | 9 | — | HK$3,952 to – HK$25,414 | HK$5,580 to – HK$31,701 |
| FWDvCare Medical Plan | 1 | — | HK$4,033 | HK$5,408 |
| China LifeHealthy Life Medical Insurance Plan | 1 | — | HK$4,086 | HK$5,540 |
| BowtieBowtie VHIS Flexi | 2 | — | HK$4,284 to – HK$7,764 | HK$5,676 to – HK$9,228 |
| ZurichHealthFlexi Voluntary Health Insurance Plan | 4 | — | HK$4,296 to – HK$8,016 | HK$5,448 to – HK$10,176 |
| China LifeHealthy Life Premier Medical Insurance Plan | 4 | — | HK$4,307 to – HK$9,685 | HK$5,982 to – HK$13,302 |
| China Taiping LifeTaiping Life VHIS Flexi Plan | 5 | — | HK$4,360 to – HK$17,651 | HK$5,978 to – HK$24,121 |
| Bank of China Group Insurance Company LimitedBOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan | 8 | — | HK$4,368 to – HK$8,383 | HK$5,722 to – HK$12,873 |
| Well Link LifeWell Protect Voluntary Health Insurance Scheme (Flexi) | 3 | — | HK$4,799 to – HK$13,860 | HK$6,128 to – HK$17,508 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Classic) | 2 | — | HK$4,857 to – HK$5,828 | HK$4,857 to – HK$5,828 |
| PrudentialPRUHealth FlexiChoice Medical Plan | 16 | — | HK$4,935 to – HK$28,194 | HK$6,295 to – HK$33,620 |
| Asia InsuranceAsia iCare | 5 | — | HK$5,157 to – HK$9,832 | HK$6,990 to – HK$11,423 |
| PrudentialPRUHealth VHIS EasyChoice Plan | 6 | — | HK$5,646 to – HK$21,737 | HK$7,594 to – HK$25,920 |
| FWDvCare Supreme Medical Plan | 1 | — | HK$5,817 | HK$7,606 |
| AIAAIA Voluntary Health Insurance Flexi Scheme | 6 | — | HK$6,751 to – HK$21,925 | HK$9,407 to – HK$25,917 |
| CTF Life''TopCare'' Medical Insurance Plan - Benefit Level | 8 | — | HK$6,770 to – HK$21,784 | HK$10,117 to – HK$28,419 |
| Chubb LifeChubb VHIS - Flexi Plan | 16 | — | HK$6,972 to – HK$26,612 | HK$8,936 to – HK$32,397 |
| Blue CrossCareForYou Super Flexi Plan for VHIS | 10 | — | HK$7,347 to – HK$29,893 | HK$7,809 to – HK$31,080 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Plus) | 2 | — | HK$7,354 to – HK$8,825 | HK$7,354 to – HK$8,825 |
| BupaBupa MyFlexi VHIS Plan | 6 | — | HK$7,363 to – HK$30,551 | HK$7,363 to – HK$30,551 |
| CignaCigna VHIS Series - Flexi Plan (SMM) | 1 | — | HK$7,671 | HK$7,671 |
| MSIGVHIS Prestige Care(some options) | 4 | — | HK$8,316 to – HK$16,578 | HK$8,316 to – HK$16,578 |
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 40
5 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| FWDvFamily Medical Plan | 1 | — | HK$5,689 | HK$7,542 |
| FWDvCANsurance Medical Plan - S | 2 | — | HK$6,822 to – HK$12,876 | HK$9,045 to – HK$13,664 |
| CTF Life''FlexiCare'' Medical Insurance Plan - Benefit Level | 4 | — | HK$8,412 to – HK$12,775 | HK$12,217 to – HK$15,793 |
| Asia InsuranceAsia Elite - S | 2 | — | HK$9,263 to – HK$14,957 | HK$12,592 to – HK$20,334 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Premium) | 1 | — | HK$13,875 | HK$13,875 |
High-limit: premiums at age 40
28 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| FWDvBooster Medical Plan - HKD | 6 | HK$0 to HK$180,000 | HK$2,478 to – HK$9,936 | HK$2,478 to – HK$9,936 |
| FWDvPrime Signature Medical Plan - S | 12 | HK$0 to HK$250,000 | HK$2,726 to – HK$17,114 | HK$2,726 to – HK$17,114 |
| ManulifeManulife Supreme Lite VHIS Supplementary Benefit | 24 | HK$0 to HK$100,000 | HK$2,740 to – HK$33,357 | HK$2,740 to – HK$33,357 |
| Chubb LifeChubb VHIS - Superb Plan - HKD | 4 | HK$0 to HK$100,000 | HK$2,756 to – HK$11,581 | HK$2,756 to – HK$11,581 |
| ZurichHealthFlexi Plus Voluntary Health Insurance Plan - HKD | 8 | HK$0 to HK$150,000 | HK$2,976 to – HK$15,408 | HK$3,780 to – HK$19,596 |
| FWDvPrime Medical Plan - HKD | 6 | HK$0 to HK$250,000 | HK$3,183 to – HK$17,000 | HK$3,183 to – HK$17,000 |
| HSBC LifeHSBC Voluntary Health Insurance Flexi Plan | 20 | HK$0 to HK$100,000 | HK$3,213 to – HK$47,246 | HK$3,213 to – HK$47,246 |
| HSBC LifeVital Care Voluntary Health Insurance Flexi Plan | 20 | HK$0 to HK$100,000 | HK$3,213 to – HK$47,246 | HK$3,213 to – HK$47,246 |
| ManulifeManulife Supreme VHIS Flexi Plan | 14 | HK$0 to HK$100,000 | HK$3,353 to – HK$35,113 | HK$3,353 to – HK$35,113 |
| BupaBupa Hero VHIS Plan | 24 | HK$0 to HK$80,000 | HK$3,419 to – HK$27,806 | HK$3,419 to – HK$27,806 |
| BowtieBowtie Pink VHIS Plan | 12 | HK$0 to HK$80,000 | HK$3,420 to – HK$21,708 | HK$3,420 to – HK$21,708 |
| Sun LifeWeHealth Preferred - HKD | 4 | HK$0 to HK$80,000 | HK$3,434 to – HK$11,982 | HK$3,434 to – HK$11,982 |
| Blue CrossBlue Cross Love Yourself VHIS Plan - HKD | 8 | HK$0 to HK$80,000 | HK$3,450 to – HK$16,335 | HK$3,450 to – HK$16,335 |
| Chubb LifeChubb VHIS - Prime Plan - HKD | 10 | HK$0 to HK$150,000 | HK$3,702 to – HK$21,736 | HK$3,702 to – HK$21,736 |
| AIAAIA Voluntary Health Insurance SelectWise Scheme | 10 | HK$0 to HK$55,000 | HK$3,909 to – HK$15,496 | HK$3,909 to – HK$15,496 |
| AXAAXA WiseGuard Pro Medical Insurance Plan | 24 | HK$0 to HK$50,000 | HK$4,485 to – HK$28,054 | HK$4,485 to – HK$28,054 |
| PrudentialPRUHealth VHIS VIP Plan | 16 | HK$0 to HK$96,000 | HK$4,613 to – HK$22,251 | HK$4,613 to – HK$22,251 |
| FWDvTheOne Medical Plan | 24 | HK$0 to HK$250,000 | HK$4,895 to – HK$54,472 | HK$4,895 to – HK$54,472 |
| Sun LifeWeHealth Prestige - HKD | 4 | HK$0 to HK$80,000 | HK$5,067 to – HK$16,706 | HK$5,067 to – HK$16,706 |
| Blue CrossBlue Cross Dynasty VHIS Plan - HKD | 8 | HK$0 to HK$80,000 | HK$5,389 to – HK$27,305 | HK$5,389 to – HK$27,305 |
| China Taiping LifeTaiping Life VHIS Priority Plan | 6 | HK$0 to HK$50,000 | HK$5,715 to – HK$13,861 | HK$5,715 to – HK$13,861 |
| CignaCigna VHIS Series - Flexi Plan (Superior) - S | 8 | HK$0 to HK$75,000 | HK$6,009 to – HK$20,648 | HK$6,009 to – HK$20,648 |
| YF LifeTaxVantage Prestige Medical Plan - HKD | 4 | HK$0 to HK$100,000 | HK$6,050 to – HK$19,212 | HK$6,050 to – HK$19,212 |
| CTF Life''ChampCare'' Medical Insurance Plan - Benefit Level | 14 | HK$0 to HK$36,424 | HK$6,199 to – HK$63,985 | HK$6,199 to – HK$63,985 |
| AIAAIA Voluntary Health Insurance Privilege Ultra Scheme | 16 | HK$0 to HK$50,000 | HK$6,916 to – HK$24,568 | HK$6,916 to – HK$24,568 |
| BOC LifeSmartViva Flexi VHIS - HKD | 4 | HK$0 to HK$70,000 | HK$7,488 to – HK$16,898 | HK$7,488 to – HK$16,898 |
| MSIGVHIS Prestige Care - Plan C(some options) | 2 | HK$0 | HK$20,034 to – HK$25,866 | HK$20,034 to – HK$25,866 |
| 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 →