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Voluntary Health Insurance Scheme (VHIS)

Great healthcare coverage, from head to toe

Life may be unpredictable, but your medical bills don't have to be. With healthcare costs on the rise in a strained public healthcare system, it's vital to ensure that you and the ones you love are protected against the unexpected.

The 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.

Speak with us

HSBC One and other HSBC customers

(Got questions?)

HSBC Jade and Premier customers

Contact your Relationship Manager

Apply via hotline

  • Call the VHIS application hotline at (852) 2233 3130

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

VHIS key benefits

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Live long and reassured

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

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Cover yourself against unknown pre-existing conditions

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

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Claim tax deductions

Taxpayers can claim a tax deduction1 of up to HKD8,000 per insured person annually. 


Learn more about HSBC Life tax saving plans

Why choose an HSBC VHIS Flexi Plan?

Enjoy more peace of mind with a plan that covers you for what matters most.

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Protect yourself from hidden costs

Get fully covered for hospitalisation and surgical fees without any sub-limits.

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Safeguard your health against the unexpected

Insure yourself for eligible cancer treatment expenses, both surgical and non-surgical.

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Ease your worries with cashless arrangements

Don't worry about upfront out-of-pocket medical expenses in Hong Kong, as long as you've obtained pre-authorisation from us.

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Stay protected, from start to end

Rest easy knowing that your post-surgery recovery expenses such as physiotherapy and rehabilitation are also covered.

Standard Plan vs Flexi Plan

Man and woman running; image used for HSBC VHIS Standard Plan.

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

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

Are you eligible?

To apply for an HBSC VHIS Plan as a policyholder, you'll need to be aged1 between 18 and 80.

Persons insured under an HSBC VHIS Plan must be aged1 between 15 days and 80 years.

Related information

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.

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.


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


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 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 which is authorised and regulated by the Insurance Authority (IA) of the Hong Kong SAR, and is intended only for sale in the Hong Kong SAR. The Hongkong and Shanghai Banking Corporation Limited ('HSBC') is an insurance agent authorised by HSBC Life (International) Limited ('HSBC Life'). You will be subject to the credit risk of HSBC Life and your premiums paid will form part of HSBC Life’s assets. You do not have any rights or ownership over any of these assets. Your recourse is against HSBC Life only.

For monetary disputes arising between HSBC and you out of the selling process or processing of the related transaction, HSBC will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the product should be resolved between HSBC Life and you directly.

HSBC Life (International) Limited is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries.

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.

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.