Premiums by age
VHIS premiums for ages 80+
This page lists the standard yearly premiums of 91 VHIS plan series for ages 80+, 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 |
|---|---|---|---|
| 80 | HK$12,792 to – HK$29,552 | HK$11,964 to – HK$30,120 | 30 |
| 81 | HK$13,440 to – HK$30,143 | HK$12,588 to – HK$31,025 | 30 |
| 82 | HK$13,889 to – HK$31,112 | HK$13,080 to – HK$31,889 | 30 |
| 83 | HK$14,140 to – HK$31,887 | HK$13,584 to – HK$32,901 | 30 |
| 84 | HK$14,389 to – HK$32,412 | HK$14,076 to – HK$33,693 | 30 |
| 85 | HK$14,622 to – HK$32,883 | HK$14,568 to – HK$34,461 | 30 |
| 86 | HK$14,705 to – HK$33,175 | HK$14,568 to – HK$35,124 | 30 |
| 87 | HK$14,786 to – HK$33,428 | HK$14,568 to – HK$35,763 | 30 |
| 88 | HK$14,865 to – HK$33,869 | HK$14,568 to – HK$36,320 | 30 |
| 89 | HK$14,945 to – HK$34,187 | HK$14,568 to – HK$36,744 | 30 |
| 90 | HK$15,024 to – HK$34,503 | HK$14,568 to – HK$37,163 | 30 |
| 91 | HK$15,106 to – HK$34,810 | HK$14,568 to – HK$37,581 | 30 |
| 92 | HK$15,188 to – HK$35,115 | HK$14,568 to – HK$37,996 | 30 |
| 93 | HK$15,266 to – HK$35,501 | HK$14,568 to – HK$38,345 | 30 |
| 94 | HK$15,347 to – HK$35,842 | HK$14,568 to – HK$38,641 | 30 |
| 95 | HK$15,427 to – HK$36,160 | HK$14,568 to – HK$38,909 | 30 |
| 96 | HK$15,507 to – HK$36,450 | HK$14,568 to – HK$39,149 | 30 |
| 97 | HK$15,528 to – HK$36,704 | HK$14,568 to – HK$39,369 | 30 |
| 98 | HK$15,528 to – HK$36,973 | HK$14,568 to – HK$39,580 | 30 |
| 99 | HK$15,528 to – HK$37,134 | HK$14,568 to – HK$39,758 | 30 |
| 100 | HK$22,301 to – HK$35,432 | HK$22,315 to – HK$37,300 | 2 |
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 80
Standard Plan: premiums at age 80
30 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| BowtieBowtie VHIS Standard | 1 | — | HK$12,792 | HK$11,964 |
| YF LifeTaxVantage Medical Plan | 1 | — | HK$13,240 | HK$16,358 |
| China LifeGuard Your Health Medical Insurance Plan | 1 | — | HK$14,363 | HK$14,023 |
| AXA General Insurance Hong Kong LimitedAXA GI WiseGuard Medical Insurance Plan | 1 | — | HK$15,145 | HK$14,443 |
| AXA China Region Insurance Company Limited · S00033AXA WiseGuard Medical Insurance Plan | 1 | — | HK$15,145 | HK$14,443 |
| AXA China Region Insurance Company (Bermuda) Limited · S00014AXA WiseGuard Medical Insurance Plan | 1 | — | HK$15,145 | HK$14,443 |
| BolttechVChoice Voluntary Health Insurance Plan | 1 | — | HK$15,744 | HK$14,638 |
| HSBC LifeHSBC Voluntary Health Insurance Standard Plan | 1 | — | HK$15,902 | HK$15,165 |
| Sun LifeWeHealth | 1 | — | HK$16,170 | HK$14,658 |
| ManulifeManulife Shelter VHIS Standard Plan | 1 | — | HK$16,472 | HK$16,254 |
| CTF Life''WiseCare'' Medical Insurance Plan | 1 | — | HK$17,415 | HK$14,908 |
| LibertyLiberty Insurance Standard VHIS Plan | 1 | — | HK$17,438 | HK$17,438 |
| ZurichHealthSure Voluntary Health Insurance Plan | 1 | — | HK$17,856 | HK$17,328 |
| Well Link LifeWell Protect Voluntary Health Insurance Scheme (Standard) | 1 | — | HK$17,971 | HK$17,789 |
| BOC LifeBOC Life Standard VHIS | 1 | — | HK$18,239 | HK$17,720 |
| China Taiping LifeTaiping Life VHIS Standard Plan | 1 | — | HK$19,007 | HK$18,790 |
| Bank of China Group Insurance Company LimitedBOC Standard Voluntary Health Insurance Scheme Certified Plan | 1 | — | HK$19,610 | HK$19,387 |
| AvoAvo Voluntary Health Insurance Scheme (Standard) Plan | 1 | — | HK$19,648 | HK$17,713 |
| Asia InsuranceAsia Unique - Family Care | 1 | — | HK$20,252 | HK$18,122 |
| MSIGVHIS Standard Care | 1 | — | HK$20,304 | HK$20,304 |
| Hong Kong LifeHealth Essential Medical Plan - Standard | 1 | — | HK$20,349 | HK$19,840 |
| FWDvCore Medical Plan | 1 | — | HK$20,655 | HK$18,430 |
| BupaBupa MyBasic VHIS Plan | 1 | — | HK$20,944 | HK$20,944 |
| China Taiping Insurance (HK) Company LimitedTaiping Voluntary Health Insurance Scheme Standard Plan | 1 | — | HK$21,741 | HK$21,312 |
| Chubb LifeChubb VHIS - Standard Plan | 1 | — | HK$21,758 | HK$21,797 |
| AIAAIA Voluntary Health Insurance Standard Scheme | 1 | — | HK$23,315 | HK$23,091 |
| CignaCigna VHIS Series - Standard Plan | 1 | — | HK$24,693 | HK$24,693 |
| PrudentialPRUHealth CoreChoice Medical Plan | 1 | — | HK$25,200 | HK$23,351 |
| Dah SingDah Sing Insurance ADVANTAGE VHIS Standard Plan | 1 | — | HK$29,144 | HK$30,120 |
| Blue CrossCareForYou Standard Plan for VHIS | 1 | — | HK$29,552 | HK$29,552 |
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 80
29 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| HSBC LifeHSBC Voluntary Health Insurance One Plan | 2 | — | HK$16,749 to – HK$26,733 | HK$18,007 to – HK$29,015 |
| AXA China Region Insurance Company Limited · F00018Smart Medicare | 12 | — | HK$17,985 to – HK$98,116 | HK$19,171 to – HK$114,531 |
| AXA China Region Insurance Company (Bermuda) Limited · F00017Smart Medicare | 12 | — | HK$17,985 to – HK$98,116 | HK$19,171 to – HK$114,531 |
| YF LifeTaxVantage PrimeChoice Medical Plan | 8 | — | HK$21,191 to – HK$106,278 | HK$16,458 to – HK$82,542 |
| Hong Kong LifeHealth Supreme Medical Plan - Plan I | 6 | — | HK$22,993 to – HK$91,374 | HK$22,415 to – HK$88,847 |
| ManulifeManulife First VHIS Flexi Plan | 9 | — | HK$25,329 to – HK$162,898 | HK$24,993 to – HK$141,979 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Classic) | 2 | — | HK$25,647 to – HK$30,776 | HK$25,647 to – HK$30,776 |
| ZurichHealthFlexi Voluntary Health Insurance Plan | 4 | — | HK$25,656 to – HK$44,736 | HK$24,972 to – HK$43,548 |
| BolttechVFlexi Voluntary Health Insurance Plan | 6 | — | HK$25,686 to – HK$103,096 | HK$25,686 to – HK$103,096 |
| China LifeHealthy Life Medical Insurance Plan | 1 | — | HK$25,878 | HK$23,570 |
| Sun LifeWeHealth Plus | 2 | — | HK$26,373 to – HK$37,604 | HK$22,989 to – HK$32,889 |
| FWDvCare Medical Plan | 1 | — | HK$27,163 | HK$25,392 |
| China LifeHealthy Life Premier Medical Insurance Plan | 4 | — | HK$27,545 to – HK$63,695 | HK$25,069 to – HK$58,213 |
| Bank of China Group Insurance Company LimitedBOC Flexi Voluntary Health Insurance Scheme Certified Plan - Basic plan | 8 | — | HK$28,682 to – HK$59,965 | HK$25,548 to – HK$53,390 |
| Well Link LifeWell Protect Voluntary Health Insurance Scheme (Flexi) | 3 | — | HK$29,443 to – HK$85,963 | HK$29,129 to – HK$85,112 |
| China Taiping LifeTaiping Life VHIS Flexi Plan | 5 | — | HK$30,186 to – HK$125,403 | HK$26,527 to – HK$111,823 |
| BupaBupa MyFlexi VHIS Plan | 6 | — | HK$30,477 to – HK$232,877 | HK$30,477 to – HK$232,877 |
| BowtieBowtie VHIS Flexi | 2 | — | HK$30,480 to – HK$47,088 | HK$30,156 to – HK$41,628 |
| MSIGVHIS Prestige Care(some options) | 4 | — | HK$32,292 to – HK$60,318 | HK$32,292 to – HK$60,318 |
| PrudentialPRUHealth FlexiChoice Medical Plan | 16 | — | HK$33,561 to – HK$188,385 | HK$30,361 to – HK$167,009 |
| CTF Life''TopCare'' Medical Insurance Plan - Benefit Level | 8 | — | HK$33,952 to – HK$116,049 | HK$31,790 to – HK$110,040 |
| Chubb LifeChubb VHIS - Flexi Plan | 16 | — | HK$36,183 to – HK$149,825 | HK$35,732 to – HK$140,460 |
| FWDvCare Supreme Medical Plan | 1 | — | HK$36,799 | HK$34,733 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Plus) | 2 | — | HK$38,836 to – HK$46,604 | HK$38,836 to – HK$46,604 |
| PrudentialPRUHealth VHIS EasyChoice Plan | 6 | — | HK$39,190 to – HK$150,182 | HK$34,101 to – HK$128,752 |
| Blue CrossCareForYou Super Flexi Plan for VHIS | 10 | — | HK$40,307 to – HK$176,453 | HK$40,307 to – HK$176,453 |
| Asia InsuranceAsia iCare | 5 | — | HK$47,675 to – HK$84,539 | HK$42,324 to – HK$70,445 |
| CignaCigna VHIS Series - Flexi Plan (SMM) | 1 | — | HK$49,192 | HK$49,192 |
| AIAAIA Voluntary Health Insurance Flexi Scheme | 6 | — | HK$53,684 to – HK$191,179 | HK$48,392 to – HK$171,707 |
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 80
5 plan series
| Plan | Options | Deductible | Male premium | Female premium |
|---|---|---|---|---|
| FWDvFamily Medical Plan | 1 | — | HK$49,893 | HK$41,188 |
| FWDvCANsurance Medical Plan - S | 2 | — | HK$57,439 to – HK$97,014 | HK$47,417 to – HK$83,616 |
| LibertyLiberty Insurance VHIS Series - Flexi Plan (Premium) | 1 | — | HK$73,276 | HK$73,276 |
| CTF Life''FlexiCare'' Medical Insurance Plan - Benefit Level | 4 | — | HK$74,742 to – HK$91,490 | HK$57,137 to – HK$81,687 |
| Asia InsuranceAsia Elite - S | 2 | — | HK$82,305 to – HK$137,778 | HK$71,345 to – HK$119,432 |
High-limit: premiums at age 80
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$17,496 to – HK$90,732 | HK$20,760 to – HK$107,712 |
| Chubb LifeChubb VHIS - Superb Plan - HKD | 4 | HK$0 to HK$100,000 | HK$20,182 to – HK$74,244 | HK$20,182 to – HK$74,244 |
| Blue CrossBlue Cross Love Yourself VHIS Plan - HKD | 8 | HK$0 to HK$80,000 | HK$20,744 to – HK$98,230 | HK$20,744 to – HK$98,230 |
| FWDvPrime Signature Medical Plan - S | 12 | HK$0 to HK$250,000 | HK$21,228 to – HK$126,290 | HK$21,228 to – HK$126,290 |
| Chubb LifeChubb VHIS - Prime Plan - HKD | 10 | HK$0 to HK$150,000 | HK$21,935 to – HK$174,595 | HK$21,935 to – HK$174,595 |
| BupaBupa Hero VHIS Plan | 24 | HK$0 to HK$80,000 | HK$23,146 to – HK$162,016 | HK$23,146 to – HK$162,016 |
| HSBC LifeHSBC Voluntary Health Insurance Flexi Plan | 20 | HK$0 to HK$100,000 | HK$24,113 to – HK$282,858 | HK$24,113 to – HK$282,858 |
| HSBC LifeVital Care Voluntary Health Insurance Flexi Plan | 20 | HK$0 to HK$100,000 | HK$24,113 to – HK$282,858 | HK$24,113 to – HK$282,858 |
| FWDvPrime Medical Plan - HKD | 6 | HK$0 to HK$250,000 | HK$24,793 to – HK$125,446 | HK$24,793 to – HK$125,446 |
| FWDvBooster Medical Plan - HKD | 6 | HK$0 to HK$180,000 | HK$24,799 to – HK$82,790 | HK$24,799 to – HK$82,790 |
| BowtieBowtie Pink VHIS Plan | 12 | HK$0 to HK$80,000 | HK$25,068 to – HK$136,092 | HK$25,068 to – HK$136,092 |
| Sun LifeWeHealth Preferred - HKD | 4 | HK$0 to HK$80,000 | HK$25,143 to – HK$80,732 | HK$25,143 to – HK$80,732 |
| ManulifeManulife Supreme Lite VHIS Supplementary Benefit | 24 | HK$0 to HK$100,000 | HK$26,517 to – HK$232,355 | HK$26,517 to – HK$232,355 |
| Blue CrossBlue Cross Dynasty VHIS Plan - HKD | 8 | HK$0 to HK$80,000 | HK$32,404 to – HK$164,198 | HK$32,404 to – HK$164,198 |
| ManulifeManulife Supreme VHIS Flexi Plan | 14 | HK$0 to HK$100,000 | HK$32,431 to – HK$242,163 | HK$32,431 to – HK$242,163 |
| AXAAXA WiseGuard Pro Medical Insurance Plan | 24 | HK$0 to HK$50,000 | HK$33,806 to – HK$184,864 | HK$33,806 to – HK$184,864 |
| Sun LifeWeHealth Prestige - HKD | 4 | HK$0 to HK$80,000 | HK$33,835 to – HK$108,286 | HK$33,835 to – HK$108,286 |
| YF LifeTaxVantage Prestige Medical Plan - HKD | 4 | HK$0 to HK$100,000 | HK$35,153 to – HK$113,125 | HK$35,153 to – HK$113,125 |
| PrudentialPRUHealth VHIS VIP Plan | 16 | HK$0 to HK$96,000 | HK$36,871 to – HK$170,372 | HK$36,871 to – HK$170,372 |
| AIAAIA Voluntary Health Insurance SelectWise Scheme | 10 | HK$0 to HK$55,000 | HK$37,028 to – HK$137,656 | HK$37,028 to – HK$137,656 |
| China Taiping LifeTaiping Life VHIS Priority Plan | 6 | HK$0 to HK$50,000 | HK$38,496 to – HK$93,401 | HK$38,496 to – HK$93,401 |
| FWDvTheOne Medical Plan | 24 | HK$0 to HK$250,000 | HK$40,010 to – HK$372,854 | HK$40,010 to – HK$372,854 |
| CTF Life''ChampCare'' Medical Insurance Plan - Benefit Level | 14 | HK$0 to HK$36,424 | HK$46,455 to – HK$389,046 | HK$46,455 to – HK$389,046 |
| BOC LifeSmartViva Flexi VHIS - HKD | 4 | HK$0 to HK$70,000 | HK$46,615 to – HK$98,458 | HK$46,615 to – HK$98,458 |
| CignaCigna VHIS Series - Flexi Plan (Superior) - S | 8 | HK$0 to HK$75,000 | HK$48,522 to – HK$129,779 | HK$48,522 to – HK$129,779 |
| AIAAIA Voluntary Health Insurance Privilege Ultra Scheme | 16 | HK$0 to HK$50,000 | HK$56,724 to – HK$188,088 | HK$56,724 to – HK$188,088 |
| BupaGlobal Prestige VHIS Plan | 8 | HK$0 to HK$80,000 | HK$62,294 to – HK$297,913 | HK$62,294 to – HK$297,913 |
| MSIGVHIS Prestige Care - Plan C(some options) | 2 | HK$0 | HK$68,796 to – HK$87,858 | HK$68,796 to – HK$87,858 |
Before reading the numbers
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)
- 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).
- 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 →