INSTANT QUOTE · HONG KONG VHIS
Instant VHIS Premium Comparison
All 528 active Voluntary Health Insurance Scheme plans in Hong Kong — ages 0 to 99, male or female. Enter age, gender and ward class to see premiums across carriers, side by side. No signup, no email, completely free.
Why VHISGuide
Real-time premium tables
Every plan lists year-by-year premiums for ages 0–99, split by gender, in HKD (USD plans auto-converted).
Side-by-side carrier comparison
Line up to 3 plans next to each other — basic coverage, additional benefits and the lifetime premium curve in one view.
Claim estimator
Pick a real HK private-hospital case and see how much each plan would actually pay vs your out-of-pocket gap.
Standard vs Flexi
From the regulator floor (Standard) to the fully flexible builds (Flexi), filter by deductible band and ward class.
Trilingual
Traditional Chinese (zh-HK), English, Simplified Chinese — all three locales stay in lockstep.
Monthly verified
Every figure traces back to vhis.gov.hk plan-document PDFs. Last verified: 2026-09-11.
Where to next
Built and maintained by Leo Chan, a licensed FWD insurance agent (IA #JF4352). Leo provides FWD application services. The site compiles public plan information, with data sources and comparison methods available for review.