VHIS Premium Index

METHODOLOGY

How is the Premium Index calculated?

• Same “matched pairs” method as the official CPI: a premium is only ever compared with the same plan at the same age and gender — one plan, one vote, all 579 plans tracked.

• 20 age × gender profiles (ages 0–90, male and female), updated quarterly, with 2019 Q2 = 100 as the starting point.

• Every premium comes from the official VHIS website's (vhis.gov.hk) published premium tables, so every figure can be traced back to the original document.

• A new plan's launch price is not counted as a rise; a plan under 18 months old that has never repriced won't drag the index down with a 0% — it only starts counting once it matures.

• About 12.8% (74) of the plans have never raised premiums since launch — 5 of them for over 4 years — so the index rise is driven mainly by the plans that did reprice.

• Plans whose premium structure switched between unisex and male/female pricing (an “axis change”) are included, with each side compared against its own previous price.

• USD plans are compared in their own currency, so exchange-rate moves don't affect the index.

• The index tracks standard premiums only: underwriting loadings and discounts are not included, so what you actually pay may differ.

• The index is for reference only and is not investment or insurance advice; see the full methodology for full details.