Voluntary health insurance

A voluntary health insurance plan that covers your essential medical needs from the first-dollar⁷, with optional Supplementary Major Medical coverage.

Applying for a VHIS Flexi Plan is easy. Get a quote to get started online right away.

Want to apply for the VHIS Flexi Platinum Plan, VHIS One or VHIS Standard Plan, or wish to learn more about our VHIS plans? You can book a face-to-face appointment, or a video-enabled meeting with us.

1. Only policyholders and their spouses who are Hong Kong taxpayers are eligible for tax deduction. Tax deduction for qualifying premiums paid under a VHIS policy (excluding levy) will be based on the premiums paid after deducting the premium discount, if any. Your actual tax savings may be lower than the amount in the example, as each case is determined by the Inland Revenue Department. For more information, please visit www.ird.gov.hk or seek independent tax advice.
2. Claims approval rate refers to the percentage of the claims that were approved out of the total number of claims approved and declined in 2024.
3. The age refers to the age you were on your last birthday.
   
4. Pre-existing condition(s) shall mean, in respect of the insured person, any sickness, disease, injury, physical, mental or medical condition or physiological degradation, including congenital condition, that has existed prior to the policy issuance date or the policy effective date, whichever is earlier. Unknown pre-existing condition(s) refers to any pre-existing condition(s) that the policy holder and/or insured person was not aware and would not reasonably have been aware of at the time of application. Application is subject to HSBC Life. Please refer to the policy provisions for the full terms and conditions.
5. Tests covered here only include computed tomography ("CT" scan), magnetic resonance imaging ("MRI" scan), positron emission tomography ("PET" scan), PET-CT combined and PET-MRI combined.
   
6. Full coverage refers to the actual amount of eligible expenses and other expenses that are charged and payable per the terms and benefits of this policy.
   
7. The actual amount of eligible expenses and other expenses charged and payable in accordance to the Policy Provisions ("Terms and Benefits") of this policy are subject to item sub-limit.
8. Each taxpayer is allowed to claim a tax deduction for his or her qualifying deferred annuity premiums up to a maximum limit of HKD60,000 per assessment year, which is an aggregate of qualifying deferred annuity premiums and Mandatory Provident Fund (MPF) tax-deductible voluntary contributions.  In addition, each taxpayer who or whose spouse is the policyholder of a policy issued under a certified plan of Voluntary Health Insurance Scheme (VHIS) may claim tax deductions for the premiums paid up to HKD8,000 per insured person per assessment year.  The amount of tax deduction in this example assumes a taxpayer paying premiums (excluding levy and discount) of HKD60,000 for qualifying deferred annuity policy (QDAP) and of HKD8,000 under VHIS during the year of assessment.  The amounts are for illustrative purposes only.  The actual amounts of tax deductible and/or saving depend on the personal circumstances, and may be different from the amounts illustrated.  For details, please visit the website of the Inland Revenue Department (www.ird.gov.hk).