Premiums by age
VHIS premiums for ages 70–79
This page lists the standard yearly premiums of 91 VHIS plan series for ages 70–79, 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 |
|---|---|---|---|
| 70 | HK$9,384 to – HK$22,144 | HK$8,772 to – HK$22,144 | 30 |
| 71 | HK$9,816 to – HK$22,768 | HK$9,192 to – HK$22,768 | 30 |
| 72 | HK$10,212 to – HK$23,409 | HK$9,540 to – HK$23,409 | 30 |
| 73 | HK$10,632 to – HK$24,070 | HK$9,936 to – HK$24,070 | 30 |
| 74 | HK$11,028 to – HK$24,748 | HK$10,332 to – HK$24,748 | 30 |
| 75 | HK$11,484 to – HK$25,492 | HK$10,740 to – HK$25,492 | 30 |
| 76 | HK$11,820 to – HK$26,255 | HK$11,052 to – HK$26,255 | 30 |
| 77 | HK$12,036 to – HK$27,046 | HK$11,280 to – HK$27,046 | 30 |
| 78 | HK$12,168 to – HK$27,855 | HK$11,508 to – HK$27,855 | 30 |
| 79 | HK$12,552 to – HK$28,691 | HK$11,748 to – HK$28,944 | 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 70
Standard Plan: premiums at age 70
30 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| BowtieBowtie VHIS Standard | 1 | — | HK$9,384 | HK$8,772 |
| Sun LifeWeHealth | 1 | — | HK$9,806 | HK$9,177 |
| China LifeGuard Your Health Medical Insurance Plan | 1 | — | HK$9,991 | HK$9,034 |
| YF LifeTaxVantage Medical Plan | 1 | — | HK$11,014 | HK$14,872 |
| ManulifeManulife Shelter VHIS Standard Plan | 1 | — | HK$11,156 | HK$10,543 |
| BolttechVChoice Voluntary Health Insurance Plan | 1 | — | HK$11,532 | HK$10,839 |
| AXA General Insurance Hong Kong LimitedAXA GI WiseGuard Medical Insurance Plan | 1 | — | HK$11,874 | HK$11,349 |
| AXA China Region Insurance Company Limited · S00033AXA WiseGuard Medical Insurance Plan | 1 | — | HK$11,874 | HK$11,349 |
| AXA China Region Insurance Company (Bermuda) Limited · S00014AXA WiseGuard Medical Insurance Plan | 1 | — | HK$11,874 | HK$11,349 |
| Well Link LifeWell Protect Voluntary Health Insurance Scheme (Standard) | 1 | — | HK$11,901 | HK$11,287 |
| LibertyLiberty Insurance Standard VHIS Plan | 1 | — | HK$12,114 | HK$12,114 |
| HSBC LifeHSBC Voluntary Health Insurance Standard Plan | 1 | — | HK$12,468 | HK$11,916 |
| ZurichHealthSure Voluntary Health Insurance Plan | 1 | — | HK$12,708 | HK$11,928 |
| AvoAvo Voluntary Health Insurance Scheme (Standard) Plan | 1 | — | HK$12,978 | HK$12,199 |
| China Taiping LifeTaiping Life VHIS Standard Plan | 1 | — | HK$13,973 | HK$12,471 |
| AIAAIA Voluntary Health Insurance Standard Scheme | 1 | — | HK$14,228 | HK$14,048 |
| BOC LifeBOC Life Standard VHIS | 1 | — | HK$14,275 | HK$13,487 |
| Asia InsuranceAsia Unique - Family Care | 1 | — | HK$14,375 | HK$13,372 |
| Bank of China Group Insurance Company LimitedBOC Standard Voluntary Health Insurance Scheme Certified Plan | 1 | — | HK$14,417 | HK$12,867 |
| FWDvCore Medical Plan | 1 | — | HK$14,468 | HK$13,362 |
| Hong Kong LifeHealth Essential Medical Plan - Standard | 1 | — | HK$14,701 | HK$13,039 |
| CignaCigna VHIS Series - Standard Plan | 1 | — | HK$14,733 | HK$14,733 |
| Chubb LifeChubb VHIS - Standard Plan | 1 | — | HK$14,869 | HK$13,956 |
| China Taiping Insurance (HK) Company LimitedTaiping Voluntary Health Insurance Scheme Standard Plan | 1 | — | HK$15,710 | HK$14,960 |
| MSIGVHIS Standard Care | 1 | — | HK$16,200 | HK$16,200 |
| CTF Life''WiseCare'' Medical Insurance Plan | 1 | — | HK$16,440 | HK$14,092 |
| PrudentialPRUHealth CoreChoice Medical Plan | 1 | — | HK$17,468 | HK$16,324 |
| BupaBupa MyBasic VHIS Plan | 1 | — | HK$17,728 | HK$17,728 |
| Dah SingDah Sing Insurance ADVANTAGE VHIS Standard Plan | 1 | — | HK$19,425 | HK$18,125 |
| Blue CrossCareForYou Standard Plan for VHIS | 1 | — | HK$22,144 | HK$22,144 |
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 70
29 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| HSBC LifeHSBC Voluntary Health Insurance One Plan | 2 | — | HK$13,790 to – HK$21,921 | HK$14,137 to – HK$22,719 |
| AXA China Region Insurance Company Limited · F00018Smart Medicare | 12 | — | HK$14,917 to – HK$83,007 | HK$15,191 to – HK$91,863 |
| AXA China Region Insurance Company (Bermuda) Limited · F00017Smart Medicare | 12 | — | HK$14,917 to – HK$83,007 | HK$15,191 to – HK$91,863 |
| Sun LifeWeHealth Plus | 2 | — | HK$15,530 to – HK$23,079 | HK$14,499 to – HK$21,509 |
| Hong Kong LifeHealth Supreme Medical Plan - Plan I | 6 | — | HK$16,611 to – HK$66,516 | HK$14,733 to – HK$58,186 |
| ManulifeManulife First VHIS Flexi Plan | 9 | — | HK$17,072 to – HK$109,799 | HK$16,135 to – HK$91,653 |
| YF LifeTaxVantage PrimeChoice Medical Plan | 8 | — | HK$17,520 to – HK$87,864 | HK$15,661 to – HK$78,543 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Classic) | 2 | — | HK$17,748 to – HK$21,298 | HK$17,748 to – HK$21,298 |
| FWDvCare Medical Plan | 1 | — | HK$17,969 | HK$16,876 |
| BolttechVFlexi Voluntary Health Insurance Plan | 6 | — | HK$18,040 to – HK$73,960 | HK$18,040 to – HK$73,960 |
| China LifeHealthy Life Medical Insurance Plan | 1 | — | HK$18,620 | HK$15,282 |
| ZurichHealthFlexi Voluntary Health Insurance Plan | 4 | — | HK$18,732 to – HK$32,676 | HK$17,952 to – HK$31,296 |
| China LifeHealthy Life Premier Medical Insurance Plan | 4 | — | HK$19,768 to – HK$44,701 | HK$16,405 to – HK$36,897 |
| Well Link LifeWell Protect Voluntary Health Insurance Scheme (Flexi) | 3 | — | HK$19,791 to – HK$53,061 | HK$17,988 to – HK$53,176 |
| BowtieBowtie VHIS Flexi | 2 | — | HK$20,700 to – HK$32,748 | HK$19,836 to – HK$27,744 |
| Bank of China Group Insurance Company LimitedBOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan | 8 | — | HK$21,068 to – HK$49,460 | HK$18,292 to – HK$41,618 |
| China Taiping LifeTaiping Life VHIS Flexi Plan | 5 | — | HK$21,340 to – HK$88,432 | HK$18,323 to – HK$76,596 |
| PrudentialPRUHealth FlexiChoice Medical Plan | 16 | — | HK$23,263 to – HK$133,631 | HK$21,223 to – HK$113,832 |
| Chubb LifeChubb VHIS - Flexi Plan | 16 | — | HK$24,712 to – HK$100,967 | HK$22,862 to – HK$92,135 |
| PrudentialPRUHealth VHIS EasyChoice Plan | 6 | — | HK$25,802 to – HK$104,191 | HK$22,523 to – HK$86,760 |
| MSIGVHIS Prestige Care(some options) | 4 | — | HK$25,974 to – HK$48,654 | HK$25,974 to – HK$48,654 |
| FWDvCare Supreme Medical Plan | 1 | — | HK$26,073 | HK$24,499 |
| BupaBupa MyFlexi VHIS Plan | 6 | — | HK$26,847 to – HK$141,858 | HK$26,847 to – HK$141,858 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Plus) | 2 | — | HK$26,875 to – HK$32,251 | HK$26,875 to – HK$32,251 |
| CignaCigna VHIS Series - Flexi Plan (SMM) | 1 | — | HK$29,351 | HK$29,351 |
| AIAAIA Voluntary Health Insurance Flexi Scheme | 6 | — | HK$31,767 to – HK$112,701 | HK$29,068 to – HK$102,855 |
| Blue CrossCareForYou Super Flexi Plan for VHIS | 10 | — | HK$32,270 to – HK$117,249 | HK$32,270 to – HK$117,249 |
| CTF Life''TopCare'' Medical Insurance Plan - Benefit Level | 8 | — | HK$32,445 to – HK$109,863 | HK$30,385 to – HK$103,377 |
| Asia InsuranceAsia iCare | 5 | — | HK$32,553 to – HK$58,857 | HK$28,465 to – HK$47,389 |
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 70
5 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| FWDvFamily Medical Plan | 1 | — | HK$30,737 | HK$26,759 |
| FWDvCANsurance Medical Plan - S | 2 | — | HK$35,827 to – HK$65,018 | HK$31,190 to – HK$54,939 |
| CTF Life''FlexiCare'' Medical Insurance Plan - Benefit Level | 4 | — | HK$45,210 to – HK$61,211 | HK$38,110 to – HK$54,043 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Premium) | 1 | — | HK$50,708 | HK$50,708 |
| Asia InsuranceAsia Elite - S | 2 | — | HK$53,908 to – HK$93,128 | HK$45,855 to – HK$79,215 |
High-limit: premiums at age 70
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$12,768 to – HK$66,252 | HK$13,296 to – HK$68,988 |
| FWDvPrime Signature Medical Plan - S | 12 | HK$0 to HK$250,000 | HK$12,968 to – HK$79,265 | HK$12,968 to – HK$79,265 |
| Chubb LifeChubb VHIS - Superb Plan - HKD | 4 | HK$0 to HK$100,000 | HK$13,185 to – HK$53,312 | HK$13,185 to – HK$53,312 |
| BupaBupa Hero VHIS Plan | 24 | HK$0 to HK$80,000 | HK$14,014 to – HK$123,751 | HK$14,014 to – HK$123,751 |
| Chubb LifeChubb VHIS - Prime Plan - HKD | 10 | HK$0 to HK$150,000 | HK$14,253 to – HK$102,239 | HK$14,253 to – HK$102,239 |
| Blue CrossBlue Cross Love Yourself VHIS Plan - HKD | 8 | HK$0 to HK$80,000 | HK$14,888 to – HK$70,502 | HK$14,888 to – HK$70,502 |
| FWDvPrime Medical Plan - HKD | 6 | HK$0 to HK$250,000 | HK$15,146 to – HK$78,736 | HK$15,146 to – HK$78,736 |
| FWDvBooster Medical Plan - HKD | 6 | HK$0 to HK$180,000 | HK$15,148 to – HK$45,468 | HK$15,148 to – HK$45,468 |
| HSBC LifeHSBC Voluntary Health Insurance Flexi Plan | 20 | HK$0 to HK$100,000 | HK$15,753 to – HK$188,996 | HK$15,753 to – HK$188,996 |
| HSBC LifeVital Care Voluntary Health Insurance Flexi Plan | 20 | HK$0 to HK$100,000 | HK$15,753 to – HK$188,996 | HK$15,753 to – HK$188,996 |
| ManulifeManulife Supreme Lite VHIS Supplementary Benefit | 24 | HK$0 to HK$100,000 | HK$16,053 to – HK$146,762 | HK$16,053 to – HK$146,762 |
| BowtieBowtie Pink VHIS Plan | 12 | HK$0 to HK$80,000 | HK$16,380 to – HK$84,348 | HK$16,380 to – HK$84,348 |
| Sun LifeWeHealth Preferred - HKD | 4 | HK$0 to HK$80,000 | HK$16,426 to – HK$53,312 | HK$16,426 to – HK$53,312 |
| ManulifeManulife Supreme VHIS Flexi Plan | 14 | HK$0 to HK$100,000 | HK$19,627 to – HK$152,956 | HK$19,627 to – HK$152,956 |
| Sun LifeWeHealth Prestige - HKD | 4 | HK$0 to HK$80,000 | HK$21,146 to – HK$70,606 | HK$21,146 to – HK$70,606 |
| AXAAXA WiseGuard Pro Medical Insurance Plan | 24 | HK$0 to HK$50,000 | HK$22,285 to – HK$122,119 | HK$22,285 to – HK$122,119 |
| Blue CrossBlue Cross Dynasty VHIS Plan - HKD | 8 | HK$0 to HK$80,000 | HK$23,258 to – HK$117,848 | HK$23,258 to – HK$117,848 |
| PrudentialPRUHealth VHIS VIP Plan | 16 | HK$0 to HK$96,000 | HK$23,731 to – HK$111,966 | HK$23,731 to – HK$111,966 |
| AIAAIA Voluntary Health Insurance SelectWise Scheme | 10 | HK$0 to HK$55,000 | HK$23,801 to – HK$90,504 | HK$23,801 to – HK$90,504 |
| FWDvTheOne Medical Plan | 24 | HK$0 to HK$250,000 | HK$24,782 to – HK$235,786 | HK$24,782 to – HK$235,786 |
| YF LifeTaxVantage Prestige Medical Plan - HKD | 4 | HK$0 to HK$100,000 | HK$26,027 to – HK$83,372 | HK$26,027 to – HK$83,372 |
| China Taiping LifeTaiping Life VHIS Priority Plan | 6 | HK$0 to HK$50,000 | HK$26,101 to – HK$63,318 | HK$26,101 to – HK$63,318 |
| CignaCigna VHIS Series - Flexi Plan (Superior) - S | 8 | HK$0 to HK$75,000 | HK$29,729 to – HK$94,772 | HK$29,729 to – HK$94,772 |
| CTF Life''ChampCare'' Medical Insurance Plan - Benefit Level | 14 | HK$0 to HK$36,424 | HK$31,662 to – HK$268,768 | HK$31,662 to – HK$268,768 |
| AIAAIA Voluntary Health Insurance Privilege Ultra Scheme | 16 | HK$0 to HK$50,000 | HK$36,455 to – HK$123,664 | HK$36,455 to – HK$123,664 |
| BOC LifeSmartViva Flexi VHIS - HKD | 4 | HK$0 to HK$70,000 | HK$38,788 to – HK$75,205 | HK$38,788 to – HK$75,205 |
| MSIGVHIS Prestige Care - Plan C(some options) | 2 | HK$0 | HK$55,404 to – HK$70,740 | HK$55,404 to – HK$70,740 |
| BupaGlobal Prestige VHIS Plan | 8 | HK$0 to HK$80,000 | HK$62,294 to – HK$212,967 | HK$62,294 to – HK$212,967 |
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 →