Voluntary Health Insurance Scheme

HSBC HK
Insurance
Medical
Voluntary Health Insurance Scheme

Healthcare costs are on the rise and the public healthcare system is under strain. But you don't have to dig deep into your pockets. Our Voluntary Health Insurance Scheme (VHIS) is a government certified scheme that aims to provide better access to private healthcare and to enhance consumer protection for medical insurance. As a registered VHIS provider, HSBC Life gives you the comprehensive medical coverage you need through our certified Standard or Flexi Plans so you can expect more peace of mind while enjoying tax deductions¹.

Apply Flexi Plan Online

Get a quote and apply

Speak with us

Book appointment online This link will open in a new window

HSBC Jade and Premier customers

Contact your Relationship Manager

Or call the VHIS application hotline

(852) 2233 3130

(Monday to Friday from 11:00am to 7:30pm except public holidays)

VHIS key benefits

Live long and reassured

You'll enjoy guaranteed policy renewals up to age 100².

Cover yourself against unknown pre-existing conditions

You'll be covered against unknown pre-existing conditions³.

Claim tax deductions

Taxpayers can claim a tax deduction¹of up to HKD8,000 per insured person annually.

Learn more about HSBC Life tax saving plans

Standard Plan vs Flexi Plan

VHIS Standard Plan

Get essential coverage for your healthcare needs with one standard plan.

To apply, you can:

call our hotline on +852 2233 3130
visit our branches – book an appointment or contact your Relationship Manager now

Learn more

A man happily holding two pictures，Image used for first-year premium discount;

VHIS Flexi Plan

Enjoy comprehensive coverage with the freedom to choose the options you need.

To apply, you can:

get a quote and apply online
call our hotline on +852 2233 3130
visit our branches – book an appointment or contact your Relationship Manager now

Get a quote and apply

Plan overview
Policy summary	HSBC Voluntary Health Insurance Standard Plan (HKD)	HSBC Voluntary Health Insurance Flexi Plan (HKD)
Issue age²	15 days to age 80	15 days to age 80
Policy term	Guaranteed renewable annually up to age² 100 of the insured person	Guaranteed renewable annually up to age² 100 of the insured person
Annual benefit limit per policy year (HKD)	420,000	Bronze 5,000,000 Silver 25,000,000 Gold 30,000,000 Diamond 40,000,000
Lifetime benefit limit (HKD)	Nil	Bronze 20,000,000 Silver Nil Gold Nil Diamond Nil
Annual deductible option	N/A	Nil / 16,000 / 50,000 / 100,000
Payment mode	Annual premium	Annual premium or monthly premium
Geographical limit⁴	Worldwide	Bronze Greater China Silver Asia, Australia and New Zealand Gold Asia, Australia and New Zealand Diamond Worldwide
Entitled ward class	No restriction	Bronze General ward Silver Semi-private room Gold Standard private room Diamond Standard private room

Plan overview
Policy summary	Issue age²
HSBC Voluntary Health Insurance Standard Plan (HKD)	15 days to age 80
HSBC Voluntary Health Insurance Flexi Plan (HKD)	15 days to age 80

Policy summary	Policy term
HSBC Voluntary Health Insurance Standard Plan (HKD)	Guaranteed renewable annually up to age² 100 of the insured person
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Guaranteed renewable annually up to age² 100 of the insured person

Policy summary	Annual benefit limit per policy year (HKD)
HSBC Voluntary Health Insurance Standard Plan (HKD)	420,000
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Bronze 5,000,000 Silver 25,000,000 Gold 30,000,000 Diamond 40,000,000

Policy summary	Lifetime benefit limit (HKD)
HSBC Voluntary Health Insurance Standard Plan (HKD)	Nil
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Bronze 20,000,000 Silver Nil Gold Nil Diamond Nil

Policy summary	Annual deductible option
HSBC Voluntary Health Insurance Standard Plan (HKD)	N/A
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Nil / 16,000 / 50,000 / 100,000

Policy summary	Payment mode
HSBC Voluntary Health Insurance Standard Plan (HKD)	Annual premium
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Annual premium or monthly premium

Policy summary	Geographical limit⁴
HSBC Voluntary Health Insurance Standard Plan (HKD)	Worldwide
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Bronze Greater China Silver Asia, Australia and New Zealand Gold Asia, Australia and New Zealand Diamond Worldwide

Policy summary	Entitled ward class
HSBC Voluntary Health Insurance Standard Plan (HKD)	No restriction
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Bronze General ward Silver Semi-private room Gold Standard private room Diamond Standard private room

Benefits of HSBC Voluntary Health Insurance Standard Plan are included in HSBC Voluntary Health Insurance Flexi Plan , which includes worldwide coverage but subject to the deductible amount of the policy. Please refer to Policy Provisions for more details.

**Benefits⁵**
Items	HSBC Voluntary Health Insurance Standard Plan (HKD)	HSBC Voluntary Health Insurance Flexi Plan (HKD)
Room and board	750 per day (up to 180 days per policy year)	Fully covered⁶
Miscellaneous charges	14,000 per policy year	Fully covered⁶
Attending doctor's visit fee	750 per day (up to 180 days per policy year)	Fully covered⁶
Specialist's fee⁷	4,300 per policy year	Fully covered⁶
Intensive care	3,500 per day (up to 25 days per policy year)	Fully covered⁶ (up to 30 days per policy year)
Surgeon's fee	Per surgery, subject to surgical category Complex: 50,000 Major: 25,000 Intermediate: 12,500 Minor: 5,000	Fully covered⁶ (regardless of the surgical category)
Anaesthetist's fee and operating theatre charges	35% of surgeon’s fee payable⁸	Fully covered⁶ (regardless of the surgical category)
Prescribed diagnostic imaging tests⁷,⁹	20,000 per policy year (subject to 30% coinsurance)	Fully covered⁶
Prescribed non-surgical cancer treatments¹⁰	80,000 per policy year	Fully covered⁶
Pre- and post-confinement / day case procedure outpatient care⁷	580 per visit (up to 3,000 per policy year) for: 1 prior outpatient visit or emergency consultation per confinement/day case procedure 3 follow-up outpatient visits per confinement / day case procedure (within 90 days after hospital discharge or completion of day case procedure)	Fully covered⁶ for: 1 prior outpatient visit or emergency consultation per confinement / day case procedure 3 follow-up outpatient visits per confinement / day case procedure (within 90 days of hospital discharge or completion of day case procedure)
Psychiatric treatments (Hong Kong only)	30,000 per policy year	Bronze/Silver/ Gold 30,000 per policy year Diamond 50,000 per policy year

**Benefits⁵**
Items	Room and board
HSBC Voluntary Health Insurance Standard Plan (HKD)	750 per day (up to 180 days per policy year)
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Fully covered⁶

Items	Miscellaneous charges
HSBC Voluntary Health Insurance Standard Plan (HKD)	14,000 per policy year
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Fully covered⁶

Items	Attending doctor's visit fee
HSBC Voluntary Health Insurance Standard Plan (HKD)	750 per day (up to 180 days per policy year)
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Fully covered⁶

Items	Specialist's fee⁷
HSBC Voluntary Health Insurance Standard Plan (HKD)	4,300 per policy year
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Fully covered⁶

Items	Intensive care
HSBC Voluntary Health Insurance Standard Plan (HKD)	3,500 per day (up to 25 days per policy year)
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Fully covered⁶ (up to 30 days per policy year)

Items	Surgeon's fee
HSBC Voluntary Health Insurance Standard Plan (HKD)	Per surgery, subject to surgical category Complex: 50,000 Major: 25,000 Intermediate: 12,500 Minor: 5,000
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Fully covered⁶ (regardless of the surgical category)

Items	Anaesthetist's fee and operating theatre charges
HSBC Voluntary Health Insurance Standard Plan (HKD)	35% of surgeon’s fee payable⁸
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Fully covered⁶ (regardless of the surgical category)

Items	Prescribed diagnostic imaging tests⁷,⁹
HSBC Voluntary Health Insurance Standard Plan (HKD)	20,000 per policy year (subject to 30% coinsurance)
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Fully covered⁶

Items	Prescribed non-surgical cancer treatments¹⁰
HSBC Voluntary Health Insurance Standard Plan (HKD)	80,000 per policy year
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Fully covered⁶

Items	Pre- and post-confinement / day case procedure outpatient care⁷
HSBC Voluntary Health Insurance Standard Plan (HKD)	580 per visit (up to 3,000 per policy year) for: 1 prior outpatient visit or emergency consultation per confinement/day case procedure 3 follow-up outpatient visits per confinement / day case procedure (within 90 days after hospital discharge or completion of day case procedure)
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Fully covered⁶ for: 1 prior outpatient visit or emergency consultation per confinement / day case procedure 3 follow-up outpatient visits per confinement / day case procedure (within 90 days of hospital discharge or completion of day case procedure)

Items	Psychiatric treatments (Hong Kong only)
HSBC Voluntary Health Insurance Standard Plan (HKD)	30,000 per policy year
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Bronze/Silver/ Gold 30,000 per policy year Diamond 50,000 per policy year

Enhanced benefits
Items	HSBC Voluntary Health Insurance Standard Plan (HKD)	HSBC Voluntary Health Insurance Flexi Plan (HKD)
Post-confinement /day case procedure outpatient physiotherapy⁷	N/A	Bronze 3,000 per policy year Silver 6,000 per policy year Gold 10,000 per policy year Diamond 30,000 per policy year
Medical implants	N/A	Bronze/ Silver/ Gold Specified items: fully covered⁶ Other items: 150,000 per policy year Diamond Specified items: fully covered⁶ Other items: 300,000 per policy year
Companion bed	N/A	Fully covered⁶
Outpatient kidney dialysis	N/A	Fully covered⁶
Home nursing⁷	N/A	Fully covered⁶ (within 90 days of hospital discharge or completion of day case procedure; provided by 1 qualified nurse per day for up to 90 days per policy year)
Donor’s benefit for organ transplantation	N/A	30% of total transplantation cost
Private nursing⁷	N/A	Fully covered⁶ (provided by 1 qualified nurse per day for up to 30 days per policy year)
Rehabilitation benefit⁷	N/A	80,000 per policy year (up to 90 days per policy year)
Hospice and palliative⁷	N/A	Bronze/ Silver/ Gold N/A Diamond 80,000 per policy year (up to 30 days per policy year)
Chinese medicine practitioner outpatient care	N/A	Bronze/ Silver/ Gold N/A Diamond 600 per visit Maximum 1 follow-up outpatient visit per day, up to 10 such visits per confinement / day case procedure (within 90 days of hospital discharge or completion of day case procedure)
Emergency outpatient treatment for accident	N/A	Fully covered⁶

Enhanced benefits
Items	Post-confinement /day case procedure outpatient physiotherapy⁷
HSBC Voluntary Health Insurance Standard Plan (HKD)	N/A
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Bronze 3,000 per policy year Silver 6,000 per policy year Gold 10,000 per policy year Diamond 30,000 per policy year

Items	Medical implants
HSBC Voluntary Health Insurance Standard Plan (HKD)	N/A
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Bronze/ Silver/ Gold Specified items: fully covered⁶ Other items: 150,000 per policy year Diamond Specified items: fully covered⁶ Other items: 300,000 per policy year

Items	Companion bed
HSBC Voluntary Health Insurance Standard Plan (HKD)	N/A
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Fully covered⁶

Items	Outpatient kidney dialysis
HSBC Voluntary Health Insurance Standard Plan (HKD)	N/A
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Fully covered⁶

Items	Home nursing⁷
HSBC Voluntary Health Insurance Standard Plan (HKD)	N/A
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Fully covered⁶ (within 90 days of hospital discharge or completion of day case procedure; provided by 1 qualified nurse per day for up to 90 days per policy year)

Items	Donor’s benefit for organ transplantation
HSBC Voluntary Health Insurance Standard Plan (HKD)	N/A
HSBC Voluntary Health Insurance Flexi Plan (HKD)	30% of total transplantation cost

Items	Private nursing⁷
HSBC Voluntary Health Insurance Standard Plan (HKD)	N/A
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Fully covered⁶ (provided by 1 qualified nurse per day for up to 30 days per policy year)

Items	Rehabilitation benefit⁷
HSBC Voluntary Health Insurance Standard Plan (HKD)	N/A
HSBC Voluntary Health Insurance Flexi Plan (HKD)	80,000 per policy year (up to 90 days per policy year)

Items	Hospice and palliative⁷
HSBC Voluntary Health Insurance Standard Plan (HKD)	N/A
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Bronze/ Silver/ Gold N/A Diamond 80,000 per policy year (up to 30 days per policy year)

Items	Chinese medicine practitioner outpatient care
HSBC Voluntary Health Insurance Standard Plan (HKD)	N/A
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Bronze/ Silver/ Gold N/A Diamond 600 per visit Maximum 1 follow-up outpatient visit per day, up to 10 such visits per confinement / day case procedure (within 90 days of hospital discharge or completion of day case procedure)

Items	Emergency outpatient treatment for accident
HSBC Voluntary Health Insurance Standard Plan (HKD)	N/A
HSBC Voluntary Health Insurance Flexi Plan (HKD)	Fully covered⁶

The above is a general summary, please refer to VHIS Standard Plan product brochure, and VHIS Flexi Plan product brochure for details.

Are you eligible?

To apply,

you need to be aged² between 18 and 80
Persons insured must be aged² between 15 days and 80 years

Related information

Is this plan eligible for tax deduction?

Yes, this is a VHIS certified plan. You can be eligible for a tax deduction if:

the policyholder is a personal income taxpayer or his/her spouse;
the insured person is the policyholder or the policyholder’s “specified relatives” as defined under the Inland Revenue Ordinance (Cap. 112); and
the insured person is a Hong Kong resident*

(*) Including Hong Kong Identity Card holders, and people aged under 11 who are not Hong Kong Identity Card holders but their parents are Hong Kong Identity Card holders when they were born or adopted. For detailed definitions, please refer to Inland Revenue Ordinance Cap. 112. You may visit www.ird.gov.hk or seek independent tax advice for more information.

You may claim tax deductions for the premium paid while the maximum annual tax deductible amount limit is HKD8,000 per insured person. For example, if you purchase certified plans for a total of four insured persons, you may claim up to HKD32,000 (HKD8,000 x 4) as a policyholder.

Please note that this is not a tax advice. If you have any questions regarding tax, please seek independent tax/ legal advice.

What if I am infected with COVID-19? Do I get the medical coverage from VHIS Plans?

Yes. As in the case of all medically necessary treatments, eligible expenses on the treatments of COVID-19 infection as well as the adverse reactions to COVID-19 vaccinations (including expenses incurred for hospitalisation, day case procedures and prescribed diagnostic imaging tests in Hong Kong and elsewhere in the world) are covered according to the benefit schedule of your VHIS Plan.

Is it possible to change the plan type or plan level after the policy becomes effective?

To change the plan type from Flexi Plan to Standard Plan, increase in deductible level, or downgrade the plan level (e.g. from Diamond to Gold plan), you can submit a request before the deadline stated in the renewal notice to change the plan type or plan level without needing to go through underwriting at policy renewal.
To upgrade the plan level (e.g. from Silver to Gold plan) or decrease in deductible level (e.g. from HKD50K to HKD16K), you can submit a request before the deadline stated in the renewal notice to change the plan level but underwriting is required. We may ask you a few questions before we approve the change of plan type.

Other frequently asked questions

Your application for an HSBC VHIS policy is subject to underwriting. We may offer a standard premium rate, impose additional premium and/or apply case-based exclusion(s), postpone or decline the application based on the following factors, material facts and information of the proposed insured person:

Medical history and condition
Place(s) of residence
Other information such as past insurance history

If we haven't met your expectations, please tell us on (852) 2583 8000 or fill in an online form here.

Find out more about resolving your complaint here.

For other enquiries and lodging complaints, please visit:

VHIS Office of the Food and Health Bureau

More information on VHIS product and compliance with the VHIS code of practice

Inland Revenue Department

More details on eligibility for tax deduction under the VHIS scheme and information on claiming a tax deduction.

Insurance Authority

For more on the general conduct of insurance companies and intermediaries

Name of VHIS Provider: HSBC Life (International) Limited

VHIS Provider Registration Number: 00042

Effective Date of Registration: 29 May 2020

Manage your policy

Manage your policy online

Access your policy details anytime, anywhere on both your HSBC HK Mobile Banking app and our Personal Internet Banking webpage, so you can check your benefits, coverage, premium due dates and much more at your fingertips.

Log on to Personal Internet Banking This link will open in a new window

Learn more about managing your policy

Make a claim

Sometimes life doesn't go according to plan. But we're here to help.
To make an insurance claim, simply call our Tele-Consultants who will help you with it.

Diamond level: (852) 2894 4798
Bronze / Silver / Gold levels: (852) 2894 4780

You can also find the claim forms you may need here.

Learn more

Remarks

¹ Tax deduction eligibility is only applicable to policyholders or his/her spouse who are Hong Kong taxpayers. Tax deduction for the qualifying premiums paid under VHIS policy (not including levy) will be based on the premiums paid after deducting the premium discount (if any). For more information, please refer to www.ird.gov.hk or seek independent tax advice.

² Unless otherwise specified, all ages mentioned on this page refer to the age of the insured person on his or her last birthday.

³ 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 the earlier. An ordinary prudent person shall be reasonably aware of a pre-existing condition, where - (a) it has been diagnosed; (b) it has manifested clear and distinct signs or symptoms; or (c) medical advice or treatment has been sought, recommended or received. The HSBC Life may impose case-based exclusion(s) to the pre-existing condition(s) notified to HSBC Life in the application for the plan and any subsequent information or document submitted to HSBC Life for the purpose of the application. 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. Please refer to the policy provisions for the full terms and conditions.

⁴ Eligible expenses incurred in other areas worldwide shall be covered according to the VHIS Standard Plan Terms and Benefits. Greater China shall mean mainland China, Hong Kong, Macau and Taiwan. Asia shall mean Afghanistan, Bangladesh, Bhutan, Brunei, Greater China, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Malaysia, Maldives, Mongolia, Myanmar, Nepal, Philippines, Singapore, South Korea, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam. Worldwide shall mean no geographical limitation. Except for psychiatric treatment and cash benefit for lower ward class which are applicable to Hong Kong only. Please refer to the Additional Benefit Provisions Endorsement for more details.

⁵ Eligible expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above.

⁶ Full cover shall mean the actual amount of eligible expenses and other expenses charged and payable in accordance to the terms and benefits of your policy.

⁷ HSBC Life shall have the right to ask for proof of recommendation, e.g. a written referral or testifying statement on the claim form by the attending doctor or a registered medical practitioner.

⁸ The percentage here applies to the surgeon's fee actually payable or the benefit limit for the surgeon's fee according to the surgical categorisation, whichever is lower.

⁹ 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.

¹⁰ Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.

The HSBC VHIS Plans are not equivalent or similar to any kind of deposit. HSBC VHIS Plans are underwritten by HSBC Life (International) Limited (“HSBC Life”) which is authorised and regulated by the Insurance Authority ("IA") to carry on long-term insurance business in the Hong Kong SAR. Please refer to the product brochure for detailed features and the policy provisions for the detailed terms and conditions.

HSBC Life is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries. The Hongkong and Shanghai Banking Corporation Limited ('HSBC') is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agent authorised by HSBC Life. This product is a product of HSBC Life but not HSBC and it is intended only for sale through HSBC in the Hong Kong SAR. Your benefit is subject to the credit risk of HSBC Life. If the policyholder discontinues and / or surrenders the insurance plan in the early policy years, the amount of the benefit he / she will get back may be considerably less than the amount of the premium he / she has paid. Your premiums paid will form part of HSBC Life's assets. You do not have any rights or ownership over any of those assets. Your recourse is against HSBC Life only.

In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between HSBC and you out of the selling process or processing of the related transaction, HSBC is required to enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the above insurance product should be resolved between HSBC Life and you directly.

The above information is intended as a general summary. For more details, please refer to the policy terms and conditions in the product detail pages.

Voluntary Health Insurance Scheme (VHIS)