Premiums by age
VHIS premiums for ages 50–59
This page lists the standard yearly premiums of 91 VHIS plan series for ages 50–59, 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 |
|---|---|---|---|
| 50 | HK$3,524 to – HK$7,718 | HK$4,212 to – HK$8,488 | 30 |
| 51 | HK$3,656 to – HK$9,666 | HK$4,248 to – HK$9,666 | 30 |
| 52 | HK$3,708 to – HK$9,666 | HK$4,284 to – HK$9,666 | 30 |
| 53 | HK$3,900 to – HK$9,666 | HK$4,320 to – HK$10,180 | 30 |
| 54 | HK$4,080 to – HK$9,832 | HK$4,380 to – HK$10,816 | 30 |
| 55 | HK$4,308 to – HK$10,416 | HK$4,464 to – HK$11,348 | 30 |
| 56 | HK$4,500 to – HK$11,005 | HK$4,572 to – HK$11,763 | 30 |
| 57 | HK$4,812 to – HK$11,629 | HK$4,728 to – HK$12,193 | 30 |
| 58 | HK$4,992 to – HK$12,286 | HK$4,848 to – HK$12,641 | 30 |
| 59 | HK$5,208 to – HK$12,982 | HK$5,004 to – HK$13,102 | 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 50
Standard Plan: premiums at age 50
30 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| AvoAvo Voluntary Health Insurance Scheme (Standard) Plan | 1 | — | HK$3,524 | HK$4,448 |
| BowtieBowtie VHIS Standard | 1 | — | HK$3,612 | HK$4,212 |
| China LifeGuard Your Health Medical Insurance Plan | 1 | — | HK$3,739 | HK$4,571 |
| Sun LifeWeHealth | 1 | — | HK$3,802 | HK$4,307 |
| ManulifeManulife Shelter VHIS Standard Plan | 1 | — | HK$4,076 | HK$5,084 |
| BolttechVChoice Voluntary Health Insurance Plan | 1 | — | HK$4,104 | HK$4,941 |
| Well Link LifeWell Protect Voluntary Health Insurance Scheme (Standard) | 1 | — | HK$4,111 | HK$4,883 |
| ZurichHealthSure Voluntary Health Insurance Plan | 1 | — | HK$4,236 | HK$4,956 |
| AXA General Insurance Hong Kong LimitedAXA GI WiseGuard Medical Insurance Plan | 1 | — | HK$4,279 | HK$4,741 |
| AXA China Region Insurance Company Limited · S00033AXA WiseGuard Medical Insurance Plan | 1 | — | HK$4,279 | HK$4,741 |
| AXA China Region Insurance Company (Bermuda) Limited · S00014AXA WiseGuard Medical Insurance Plan | 1 | — | HK$4,279 | HK$4,741 |
| LibertyLiberty Insurance Standard VHIS Plan | 1 | — | HK$4,291 | HK$4,291 |
| HSBC LifeHSBC Voluntary Health Insurance Standard Plan | 1 | — | HK$4,493 | HK$4,978 |
| Asia InsuranceAsia Unique - Family Care | 1 | — | HK$4,500 | HK$5,981 |
| AIAAIA Voluntary Health Insurance Standard Scheme | 1 | — | HK$4,805 | HK$6,338 |
| YF LifeTaxVantage Medical Plan | 1 | — | HK$4,814 | HK$7,344 |
| FWDvCore Medical Plan | 1 | — | HK$5,012 | HK$6,307 |
| CTF Life''WiseCare'' Medical Insurance Plan | 1 | — | HK$5,103 | HK$5,678 |
| China Taiping LifeTaiping Life VHIS Standard Plan | 1 | — | HK$5,153 | HK$6,315 |
| Bank of China Group Insurance Company LimitedBOC Standard Voluntary Health Insurance Scheme Certified Plan | 1 | — | HK$5,317 | HK$6,515 |
| Hong Kong LifeHealth Essential Medical Plan - Standard | 1 | — | HK$5,354 | HK$6,526 |
| BOC LifeBOC Life Standard VHIS | 1 | — | HK$5,660 | HK$7,006 |
| PrudentialPRUHealth CoreChoice Medical Plan | 1 | — | HK$5,705 | HK$7,091 |
| CignaCigna VHIS Series - Standard Plan | 1 | — | HK$5,722 | HK$5,722 |
| China Taiping Insurance (HK) Company LimitedTaiping Voluntary Health Insurance Scheme Standard Plan | 1 | — | HK$5,788 | HK$7,074 |
| MSIGVHIS Standard Care | 1 | — | HK$6,588 | HK$6,588 |
| Chubb LifeChubb VHIS - Standard Plan | 1 | — | HK$6,649 | HK$7,485 |
| Dah SingDah Sing Insurance ADVANTAGE VHIS Standard Plan | 1 | — | HK$6,880 | HK$8,064 |
| BupaBupa MyBasic VHIS Plan | 1 | — | HK$7,522 | HK$7,522 |
| Blue CrossCareForYou Standard Plan for VHIS | 1 | — | HK$7,718 | HK$8,488 |
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 50
29 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| HSBC LifeHSBC Voluntary Health Insurance One Plan | 2 | — | HK$4,984 to – HK$8,031 | HK$6,050 to – HK$9,087 |
| AXA China Region Insurance Company Limited · F00018Smart Medicare | 12 | — | HK$5,395 to – HK$34,236 | HK$6,574 to – HK$39,839 |
| AXA China Region Insurance Company (Bermuda) Limited · F00017Smart Medicare | 12 | — | HK$5,395 to – HK$34,236 | HK$6,574 to – HK$39,839 |
| BolttechVFlexi Voluntary Health Insurance Plan | 6 | — | HK$5,727 to – HK$22,853 | HK$6,422 to – HK$25,869 |
| Sun LifeWeHealth Plus | 2 | — | HK$6,026 to – HK$8,335 | HK$6,762 to – HK$8,984 |
| China LifeHealthy Life Medical Insurance Plan | 1 | — | HK$6,037 | HK$7,730 |
| Hong Kong LifeHealth Supreme Medical Plan - Plan I | 6 | — | HK$6,049 to – HK$24,028 | HK$7,373 to – HK$29,256 |
| YF LifeTaxVantage PrimeChoice Medical Plan | 8 | — | HK$6,079 to – HK$30,482 | HK$7,177 to – HK$35,993 |
| ManulifeManulife First VHIS Flexi Plan | 9 | — | HK$6,094 to – HK$39,189 | HK$7,602 to – HK$43,180 |
| FWDvCare Medical Plan | 1 | — | HK$6,236 | HK$7,715 |
| ZurichHealthFlexi Voluntary Health Insurance Plan | 4 | — | HK$6,360 to – HK$11,088 | HK$7,440 to – HK$12,996 |
| China LifeHealthy Life Premier Medical Insurance Plan | 4 | — | HK$6,389 to – HK$14,448 | HK$8,297 to – HK$18,686 |
| BowtieBowtie VHIS Flexi | 2 | — | HK$6,552 to – HK$12,324 | HK$8,100 to – HK$13,056 |
| Well Link LifeWell Protect Voluntary Health Insurance Scheme (Flexi) | 3 | — | HK$6,711 to – HK$19,823 | HK$8,007 to – HK$22,871 |
| China Taiping LifeTaiping Life VHIS Flexi Plan | 5 | — | HK$6,914 to – HK$27,909 | HK$8,586 to – HK$34,373 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Classic) | 2 | — | HK$7,017 to – HK$8,422 | HK$7,017 to – HK$8,422 |
| Bank of China Group Insurance Company LimitedBOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan | 8 | — | HK$7,293 to – HK$15,183 | HK$8,415 to – HK$21,742 |
| PrudentialPRUHealth FlexiChoice Medical Plan | 16 | — | HK$7,734 to – HK$43,139 | HK$9,367 to – HK$47,799 |
| Asia InsuranceAsia iCare | 5 | — | HK$8,685 to – HK$14,959 | HK$10,693 to – HK$17,574 |
| PrudentialPRUHealth VHIS EasyChoice Plan | 6 | — | HK$8,825 to – HK$32,125 | HK$10,377 to – HK$37,270 |
| FWDvCare Supreme Medical Plan | 1 | — | HK$9,129 | HK$10,846 |
| CTF Life''TopCare'' Medical Insurance Plan - Benefit Level | 8 | — | HK$10,373 to – HK$35,119 | HK$12,738 to – HK$39,549 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Plus) | 2 | — | HK$10,627 to – HK$12,752 | HK$10,627 to – HK$12,752 |
| AIAAIA Voluntary Health Insurance Flexi Scheme | 6 | — | HK$10,880 to – HK$36,134 | HK$13,026 to – HK$38,919 |
| BupaBupa MyFlexi VHIS Plan | 6 | — | HK$11,093 to – HK$47,124 | HK$11,093 to – HK$47,124 |
| MSIGVHIS Prestige Care(some options) | 4 | — | HK$11,124 to – HK$21,384 | HK$11,124 to – HK$21,384 |
| Chubb LifeChubb VHIS - Flexi Plan | 16 | — | HK$11,127 to – HK$41,903 | HK$11,998 to – HK$44,313 |
| CignaCigna VHIS Series - Flexi Plan (SMM) | 1 | — | HK$11,298 | HK$11,298 |
| Blue CrossCareForYou Super Flexi Plan for VHIS | 10 | — | HK$12,224 to – HK$45,278 | HK$13,460 to – HK$49,821 |
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 50
5 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| FWDvFamily Medical Plan | 1 | — | HK$8,802 | HK$10,232 |
| FWDvCANsurance Medical Plan - S | 2 | — | HK$10,592 to – HK$21,233 | HK$12,313 to – HK$20,707 |
| CTF Life''FlexiCare'' Medical Insurance Plan - Benefit Level | 4 | — | HK$13,135 to – HK$19,971 | HK$15,825 to – HK$21,345 |
| Asia InsuranceAsia Elite - S | 2 | — | HK$13,811 to – HK$23,320 | HK$16,720 to – HK$28,234 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Premium) | 1 | — | HK$20,051 | HK$20,051 |
High-limit: premiums at age 50
28 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| Chubb LifeChubb VHIS - Superb Plan - HKD | 4 | HK$0 to HK$100,000 | HK$4,135 to – HK$16,764 | HK$4,135 to – HK$16,764 |
| FWDvBooster Medical Plan - HKD | 6 | HK$0 to HK$180,000 | HK$4,227 to – HK$14,501 | HK$4,227 to – HK$14,501 |
| ZurichHealthFlexi Plus Voluntary Health Insurance Plan - HKD | 8 | HK$0 to HK$150,000 | HK$4,356 to – HK$22,488 | HK$5,076 to – HK$26,328 |
| FWDvPrime Signature Medical Plan - S | 12 | HK$0 to HK$250,000 | HK$4,569 to – HK$25,093 | HK$4,569 to – HK$25,093 |
| ManulifeManulife Supreme Lite VHIS Supplementary Benefit | 24 | HK$0 to HK$100,000 | HK$4,632 to – HK$49,142 | HK$4,632 to – HK$49,142 |
| HSBC LifeHSBC Voluntary Health Insurance Flexi Plan | 20 | HK$0 to HK$100,000 | HK$4,940 to – HK$66,906 | HK$4,940 to – HK$66,906 |
| HSBC LifeVital Care Voluntary Health Insurance Flexi Plan | 20 | HK$0 to HK$100,000 | HK$4,940 to – HK$66,906 | HK$4,940 to – HK$66,906 |
| BowtieBowtie Pink VHIS Plan | 12 | HK$0 to HK$80,000 | HK$5,148 to – HK$33,168 | HK$5,148 to – HK$33,168 |
| Sun LifeWeHealth Preferred - HKD | 4 | HK$0 to HK$80,000 | HK$5,151 to – HK$17,344 | HK$5,151 to – HK$17,344 |
| Blue CrossBlue Cross Love Yourself VHIS Plan - HKD | 8 | HK$0 to HK$80,000 | HK$5,220 to – HK$24,711 | HK$5,220 to – HK$24,711 |
| Chubb LifeChubb VHIS - Prime Plan - HKD | 10 | HK$0 to HK$150,000 | HK$5,248 to – HK$31,789 | HK$5,248 to – HK$31,789 |
| BupaBupa Hero VHIS Plan | 24 | HK$0 to HK$80,000 | HK$5,252 to – HK$46,683 | HK$5,252 to – HK$46,683 |
| FWDvPrime Medical Plan - HKD | 6 | HK$0 to HK$250,000 | HK$5,336 to – HK$24,925 | HK$5,336 to – HK$24,925 |
| ManulifeManulife Supreme VHIS Flexi Plan | 14 | HK$0 to HK$100,000 | HK$5,667 to – HK$51,728 | HK$5,667 to – HK$51,728 |
| AIAAIA Voluntary Health Insurance SelectWise Scheme | 10 | HK$0 to HK$55,000 | HK$6,319 to – HK$24,440 | HK$6,319 to – HK$24,440 |
| AXAAXA WiseGuard Pro Medical Insurance Plan | 24 | HK$0 to HK$50,000 | HK$6,908 to – HK$41,027 | HK$6,908 to – HK$41,027 |
| Sun LifeWeHealth Prestige - HKD | 4 | HK$0 to HK$80,000 | HK$7,396 to – HK$24,388 | HK$7,396 to – HK$24,388 |
| PrudentialPRUHealth VHIS VIP Plan | 16 | HK$0 to HK$96,000 | HK$7,476 to – HK$36,253 | HK$7,476 to – HK$36,253 |
| Blue CrossBlue Cross Dynasty VHIS Plan - HKD | 8 | HK$0 to HK$80,000 | HK$8,153 to – HK$41,305 | HK$8,153 to – HK$41,305 |
| FWDvTheOne Medical Plan | 24 | HK$0 to HK$250,000 | HK$8,243 to – HK$82,853 | HK$8,243 to – HK$82,853 |
| China Taiping LifeTaiping Life VHIS Priority Plan | 6 | HK$0 to HK$50,000 | HK$8,313 to – HK$20,161 | HK$8,313 to – HK$20,161 |
| CignaCigna VHIS Series - Flexi Plan (Superior) - S | 8 | HK$0 to HK$75,000 | HK$9,119 to – HK$32,898 | HK$9,119 to – HK$32,898 |
| CTF Life''ChampCare'' Medical Insurance Plan - Benefit Level | 14 | HK$0 to HK$36,424 | HK$9,318 to – HK$80,816 | HK$9,318 to – HK$80,816 |
| YF LifeTaxVantage Prestige Medical Plan - HKD | 4 | HK$0 to HK$100,000 | HK$9,360 to – HK$29,748 | HK$9,360 to – HK$29,748 |
| AIAAIA Voluntary Health Insurance Privilege Ultra Scheme | 16 | HK$0 to HK$50,000 | HK$11,186 to – HK$38,720 | HK$11,186 to – HK$38,720 |
| BOC LifeSmartViva Flexi VHIS - HKD | 4 | HK$0 to HK$70,000 | HK$12,816 to – HK$28,696 | HK$12,816 to – HK$28,696 |
| MSIGVHIS Prestige Care - Plan C(some options) | 2 | HK$0 | HK$25,110 to – HK$32,184 | HK$25,110 to – HK$32,184 |
| BupaGlobal Prestige VHIS Plan | 8 | HK$0 to HK$80,000 | HK$37,706 to – HK$84,706 | HK$37,706 to – HK$84,706 |
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 →