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
Use illustrative Hong Kong private-medical costs to compare estimated reimbursement and out-of-pocket amounts. These are not individual patient invoices.
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.
Version date
Site version date: 2026-10-27. This does not mean every plan was verified on that date.
Where to next
How does a premium estimate differ from a formal quote?
This launcher opens the comparison tool using your selected inputs to show standard premiums. It does not submit an insurance application.
Match personal inputs
Compare at the same age, sex and smoking status. Check the age definition and premium-table version.
Match cover options
Confirm deductible, ward class, geography and currency. Lower premiums may reflect different cover options.
Confirm the final quote
Standard premiums do not determine underwriting. Confirm personal loadings, discounts and actual acceptance terms with the insurer.
Read the linked methodology and the selected plan’s official documents for sources and limits. VHISGuide is operated by an FWD insurance agent.
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.