Premiums by age
VHIS premiums for ages 60–69
This page lists the standard yearly premiums of 91 VHIS plan series for ages 60–69, 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 |
|---|---|---|---|
| 60 | HK$5,568 to – HK$13,595 | HK$5,352 to – HK$13,595 | 30 |
| 61 | HK$5,904 to – HK$16,200 | HK$5,724 to – HK$16,200 | 30 |
| 62 | HK$6,336 to – HK$16,200 | HK$6,024 to – HK$16,200 | 30 |
| 63 | HK$6,744 to – HK$16,200 | HK$6,408 to – HK$16,200 | 30 |
| 64 | HK$7,104 to – HK$16,200 | HK$6,756 to – HK$16,200 | 30 |
| 65 | HK$7,452 to – HK$16,624 | HK$7,080 to – HK$16,624 | 30 |
| 66 | HK$7,812 to – HK$17,665 | HK$7,440 to – HK$17,665 | 30 |
| 67 | HK$8,172 to – HK$18,770 | HK$7,716 to – HK$18,770 | 30 |
| 68 | HK$8,544 to – HK$19,946 | HK$7,980 to – HK$19,946 | 30 |
| 69 | HK$8,952 to – HK$21,194 | HK$8,364 to – HK$21,194 | 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 60
Standard Plan: premiums at age 60
30 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| BowtieBowtie VHIS Standard | 1 | — | HK$5,568 | HK$5,352 |
| AvoAvo Voluntary Health Insurance Scheme (Standard) Plan | 1 | — | HK$5,785 | HK$7,154 |
| Sun LifeWeHealth | 1 | — | HK$6,204 | HK$6,402 |
| China LifeGuard Your Health Medical Insurance Plan | 1 | — | HK$6,334 | HK$6,104 |
| ManulifeManulife Shelter VHIS Standard Plan | 1 | — | HK$6,588 | HK$6,418 |
| BolttechVChoice Voluntary Health Insurance Plan | 1 | — | HK$6,736 | HK$7,068 |
| Well Link LifeWell Protect Voluntary Health Insurance Scheme (Standard) | 1 | — | HK$7,221 | HK$7,022 |
| LibertyLiberty Insurance Standard VHIS Plan | 1 | — | HK$7,281 | HK$7,281 |
| AXA General Insurance Hong Kong LimitedAXA GI WiseGuard Medical Insurance Plan | 1 | — | HK$7,511 | HK$7,020 |
| AXA China Region Insurance Company Limited · S00033AXA WiseGuard Medical Insurance Plan | 1 | — | HK$7,511 | HK$7,020 |
| AXA China Region Insurance Company (Bermuda) Limited · S00014AXA WiseGuard Medical Insurance Plan | 1 | — | HK$7,511 | HK$7,020 |
| YF LifeTaxVantage Medical Plan | 1 | — | HK$7,567 | HK$9,803 |
| ZurichHealthSure Voluntary Health Insurance Plan | 1 | — | HK$7,656 | HK$7,596 |
| HSBC LifeHSBC Voluntary Health Insurance Standard Plan | 1 | — | HK$7,887 | HK$7,371 |
| Asia InsuranceAsia Unique - Family Care | 1 | — | HK$8,099 | HK$8,253 |
| FWDvCore Medical Plan | 1 | — | HK$8,386 | HK$8,759 |
| AIAAIA Voluntary Health Insurance Standard Scheme | 1 | — | HK$8,466 | HK$8,354 |
| CTF Life''WiseCare'' Medical Insurance Plan | 1 | — | HK$8,588 | HK$7,274 |
| BOC LifeBOC Life Standard VHIS | 1 | — | HK$8,830 | HK$8,663 |
| China Taiping LifeTaiping Life VHIS Standard Plan | 1 | — | HK$8,906 | HK$8,583 |
| CignaCigna VHIS Series - Standard Plan | 1 | — | HK$9,131 | HK$9,131 |
| Bank of China Group Insurance Company LimitedBOC Standard Voluntary Health Insurance Scheme Certified Plan | 1 | — | HK$9,188 | HK$8,855 |
| Hong Kong LifeHealth Essential Medical Plan - Standard | 1 | — | HK$9,293 | HK$8,904 |
| PrudentialPRUHealth CoreChoice Medical Plan | 1 | — | HK$9,630 | HK$9,687 |
| MSIGVHIS Standard Care | 1 | — | HK$9,666 | HK$9,666 |
| Chubb LifeChubb VHIS - Standard Plan | 1 | — | HK$10,132 | HK$10,098 |
| China Taiping Insurance (HK) Company LimitedTaiping Voluntary Health Insurance Scheme Standard Plan | 1 | — | HK$10,489 | HK$10,022 |
| Dah SingDah Sing Insurance ADVANTAGE VHIS Standard Plan | 1 | — | HK$11,388 | HK$11,473 |
| BupaBupa MyBasic VHIS Plan | 1 | — | HK$11,982 | HK$11,982 |
| Blue CrossCareForYou Standard Plan for VHIS | 1 | — | HK$13,595 | HK$13,595 |
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 60
29 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| HSBC LifeHSBC Voluntary Health Insurance One Plan | 2 | — | HK$8,332 to – HK$13,087 | HK$8,471 to – HK$13,589 |
| AXA China Region Insurance Company Limited · F00018Smart Medicare | 12 | — | HK$9,027 to – HK$54,254 | HK$9,176 to – HK$58,181 |
| AXA China Region Insurance Company (Bermuda) Limited · F00017Smart Medicare | 12 | — | HK$9,027 to – HK$54,254 | HK$9,176 to – HK$58,181 |
| Sun LifeWeHealth Plus | 2 | — | HK$9,840 to – HK$14,493 | HK$10,093 to – HK$14,301 |
| ManulifeManulife First VHIS Flexi Plan | 9 | — | HK$10,084 to – HK$64,845 | HK$9,822 to – HK$55,796 |
| YF LifeTaxVantage PrimeChoice Medical Plan | 8 | — | HK$10,250 to – HK$51,405 | HK$9,221 to – HK$46,244 |
| FWDvCare Medical Plan | 1 | — | HK$10,416 | HK$10,787 |
| Hong Kong LifeHealth Supreme Medical Plan - Plan I | 6 | — | HK$10,501 to – HK$42,370 | HK$10,060 to – HK$40,412 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Classic) | 2 | — | HK$10,640 to – HK$12,768 | HK$10,640 to – HK$12,768 |
| BolttechVFlexi Voluntary Health Insurance Plan | 6 | — | HK$10,656 to – HK$43,077 | HK$10,656 to – HK$43,238 |
| China LifeHealthy Life Medical Insurance Plan | 1 | — | HK$10,936 | HK$10,049 |
| Well Link LifeWell Protect Voluntary Health Insurance Scheme (Flexi) | 3 | — | HK$11,049 to – HK$31,667 | HK$10,813 to – HK$31,911 |
| BowtieBowtie VHIS Flexi | 2 | — | HK$11,136 to – HK$20,580 | HK$10,500 to – HK$17,352 |
| ZurichHealthFlexi Voluntary Health Insurance Plan | 4 | — | HK$11,508 to – HK$20,052 | HK$11,496 to – HK$20,040 |
| China LifeHealthy Life Premier Medical Insurance Plan | 4 | — | HK$11,601 to – HK$26,629 | HK$10,797 to – HK$24,676 |
| China Taiping LifeTaiping Life VHIS Flexi Plan | 5 | — | HK$12,506 to – HK$49,950 | HK$12,065 to – HK$48,316 |
| Bank of China Group Insurance Company LimitedBOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan | 8 | — | HK$12,510 to – HK$26,597 | HK$11,532 to – HK$28,247 |
| PrudentialPRUHealth FlexiChoice Medical Plan | 16 | — | HK$12,823 to – HK$71,562 | HK$12,447 to – HK$64,846 |
| PrudentialPRUHealth VHIS EasyChoice Plan | 6 | — | HK$14,224 to – HK$53,917 | HK$12,516 to – HK$47,153 |
| FWDvCare Supreme Medical Plan | 1 | — | HK$15,230 | HK$15,987 |
| MSIGVHIS Prestige Care(some options) | 4 | — | HK$15,822 to – HK$30,294 | HK$15,822 to – HK$30,294 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Plus) | 2 | — | HK$16,112 to – HK$19,334 | HK$16,112 to – HK$19,334 |
| BupaBupa MyFlexi VHIS Plan | 6 | — | HK$16,546 to – HK$74,713 | HK$16,546 to – HK$74,713 |
| Chubb LifeChubb VHIS - Flexi Plan | 16 | — | HK$16,989 to – HK$70,980 | HK$16,201 to – HK$65,634 |
| CTF Life''TopCare'' Medical Insurance Plan - Benefit Level | 8 | — | HK$17,201 to – HK$58,679 | HK$16,476 to – HK$56,156 |
| Asia InsuranceAsia iCare | 5 | — | HK$17,573 to – HK$29,557 | HK$15,539 to – HK$26,257 |
| AIAAIA Voluntary Health Insurance Flexi Scheme | 6 | — | HK$18,014 to – HK$58,508 | HK$16,552 to – HK$53,042 |
| CignaCigna VHIS Series - Flexi Plan (SMM) | 1 | — | HK$18,193 | HK$18,193 |
| Blue CrossCareForYou Super Flexi Plan for VHIS | 10 | — | HK$21,924 to – HK$77,556 | HK$21,924 to – HK$77,556 |
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 60
5 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| FWDvFamily Medical Plan | 1 | — | HK$15,246 | HK$15,345 |
| FWDvCANsurance Medical Plan - S | 2 | — | HK$18,293 to – HK$37,380 | HK$18,412 to – HK$33,784 |
| CTF Life''FlexiCare'' Medical Insurance Plan - Benefit Level | 4 | — | HK$22,661 to – HK$31,793 | HK$20,818 to – HK$30,026 |
| Asia InsuranceAsia Elite - S | 2 | — | HK$25,962 to – HK$40,362 | HK$24,023 to – HK$37,348 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Premium) | 1 | — | HK$30,400 | HK$30,400 |
High-limit: premiums at age 60
28 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| FWDvBooster Medical Plan - HKD | 6 | HK$0 to HK$180,000 | HK$6,731 to – HK$24,516 | HK$6,731 to – HK$24,516 |
| ManulifeManulife Supreme Lite VHIS Supplementary Benefit | 24 | HK$0 to HK$100,000 | HK$7,253 to – HK$87,569 | HK$7,253 to – HK$87,569 |
| FWDvPrime Signature Medical Plan - S | 12 | HK$0 to HK$250,000 | HK$7,360 to – HK$42,502 | HK$7,360 to – HK$42,502 |
| Chubb LifeChubb VHIS - Prime Plan - HKD | 10 | HK$0 to HK$150,000 | HK$7,491 to – HK$54,200 | HK$7,491 to – HK$54,200 |
| Chubb LifeChubb VHIS - Superb Plan - HKD | 4 | HK$0 to HK$100,000 | HK$7,561 to – HK$27,604 | HK$7,561 to – HK$27,604 |
| ZurichHealthFlexi Plus Voluntary Health Insurance Plan - HKD | 8 | HK$0 to HK$150,000 | HK$7,848 to – HK$40,680 | HK$7,836 to – HK$40,656 |
| BupaBupa Hero VHIS Plan | 24 | HK$0 to HK$80,000 | HK$8,378 to – HK$74,484 | HK$8,378 to – HK$74,484 |
| FWDvPrime Medical Plan - HKD | 6 | HK$0 to HK$250,000 | HK$8,595 to – HK$42,218 | HK$8,595 to – HK$42,218 |
| Blue CrossBlue Cross Love Yourself VHIS Plan - HKD | 8 | HK$0 to HK$80,000 | HK$8,695 to – HK$41,173 | HK$8,695 to – HK$41,173 |
| ManulifeManulife Supreme VHIS Flexi Plan | 14 | HK$0 to HK$100,000 | HK$8,865 to – HK$91,265 | HK$8,865 to – HK$91,265 |
| HSBC LifeHSBC Voluntary Health Insurance Flexi Plan | 20 | HK$0 to HK$100,000 | HK$9,034 to – HK$105,181 | HK$9,034 to – HK$105,181 |
| HSBC LifeVital Care Voluntary Health Insurance Flexi Plan | 20 | HK$0 to HK$100,000 | HK$9,034 to – HK$105,181 | HK$9,034 to – HK$105,181 |
| BowtieBowtie Pink VHIS Plan | 12 | HK$0 to HK$80,000 | HK$9,348 to – HK$52,284 | HK$9,348 to – HK$52,284 |
| Sun LifeWeHealth Preferred - HKD | 4 | HK$0 to HK$80,000 | HK$9,420 to – HK$29,799 | HK$9,420 to – HK$29,799 |
| Sun LifeWeHealth Prestige - HKD | 4 | HK$0 to HK$80,000 | HK$12,189 to – HK$40,932 | HK$12,189 to – HK$40,932 |
| AIAAIA Voluntary Health Insurance SelectWise Scheme | 10 | HK$0 to HK$55,000 | HK$12,332 to – HK$47,152 | HK$12,332 to – HK$47,152 |
| AXAAXA WiseGuard Pro Medical Insurance Plan | 24 | HK$0 to HK$50,000 | HK$12,630 to – HK$68,172 | HK$12,630 to – HK$68,172 |
| PrudentialPRUHealth VHIS VIP Plan | 16 | HK$0 to HK$96,000 | HK$12,704 to – HK$59,648 | HK$12,704 to – HK$59,648 |
| FWDvTheOne Medical Plan | 24 | HK$0 to HK$250,000 | HK$13,537 to – HK$142,563 | HK$13,537 to – HK$142,563 |
| Blue CrossBlue Cross Dynasty VHIS Plan - HKD | 8 | HK$0 to HK$80,000 | HK$13,583 to – HK$68,823 | HK$13,583 to – HK$68,823 |
| China Taiping LifeTaiping Life VHIS Priority Plan | 6 | HK$0 to HK$50,000 | HK$13,604 to – HK$32,998 | HK$13,604 to – HK$32,998 |
| CTF Life''ChampCare'' Medical Insurance Plan - Benefit Level | 14 | HK$0 to HK$36,424 | HK$14,512 to – HK$125,098 | HK$14,512 to – HK$125,098 |
| YF LifeTaxVantage Prestige Medical Plan - HKD | 4 | HK$0 to HK$100,000 | HK$15,545 to – HK$49,737 | HK$15,545 to – HK$49,737 |
| CignaCigna VHIS Series - Flexi Plan (Superior) - S | 8 | HK$0 to HK$75,000 | HK$15,819 to – HK$53,933 | HK$15,819 to – HK$53,933 |
| AIAAIA Voluntary Health Insurance Privilege Ultra Scheme | 16 | HK$0 to HK$50,000 | HK$18,895 to – HK$64,432 | HK$18,895 to – HK$64,432 |
| BOC LifeSmartViva Flexi VHIS - HKD | 4 | HK$0 to HK$70,000 | HK$21,997 to – HK$45,265 | HK$21,997 to – HK$45,265 |
| MSIGVHIS Prestige Care - Plan C(some options) | 2 | HK$0 | HK$34,938 to – HK$44,820 | HK$34,938 to – HK$44,820 |
| BupaGlobal Prestige VHIS Plan | 8 | HK$0 to HK$80,000 | HK$62,294 to – HK$144,041 | HK$62,294 to – HK$144,041 |
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 →