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

VHIS Flexi Plan

Get all-round healthcare coverage tailored to your needs and join HSBC Life Well+ to earn an Apple Watch or RewardCash.

Talk to our Insurance Specialist for more details.

Get fully covered*, no matter the cost of surgery, hospitalisation or non-surgical cancer treatments. Your post-surgery physiotherapy and rehabilitation costs will also be taken care of, so you and your family can have greater peace of mind during the recovery process.

Our Flexi Plan - an individual indemnity hospital insurance plan certified under the Voluntary Health Insurance Scheme (VHIS) - keeps you covered extensively in addition to the basic benefits of the HSBC Voluntary Health Insurance Standard Plan, so you can live your best life and enjoy tax deductions1 too.

Extensive coverage and the freedom to choose the options you need

  • Cover yourself against unknown pre-existing conditions

    We'll provide you with the full medical coverage* immediately for eligible illnesses, including those arising from unknown pre-existing conditions2, starting from your policy's effective date.

  • Ease your worries with cashless arrangements

    You won't need to worry about any upfront out-of-pocket medical expenses in Hong Kong as long as you've obtained pre-authorisation from us10.

  • Rest easy with home nursing services

    We know how vital home nursing services are to your recovery. If you need a qualified nurse after hospital discharge or a day case procedure, we'll provide you with one for up to 90 days.

  • Obtain all-round coverage and comprehensive care

    You'll be fully covered* for hospitalisation and surgical fees without any sub-limits in event you need medical care.


    What's more, you'll be insured for eligible cancer treatment expenses, both surgical and non-surgical, up to the total annual benefit limit of your plan.


    You can also enjoy additional benefits such as donor's benefit for organ transplantation, medical implants and rehabilitation benefits for greater coverage.

  • Choose the level of benefits that suit you

    Choose from 4 different plans, 3 geographical coverage and 4 annual deductible options - no deductibles, HKD16,000, HKD50,000 and HKD100,000.


    You can also remove or decrease the deductible once per lifetime without re-underwriting before the policy renewal date, specifically on the insured person’s 55th birthday or every 5 years thereafter.

  • Enjoy more value added services from your policy

    Reserve immediate treatment at over 200 designated hospitals in mainland China5 with a hospital admission deposit guarantee service3, if you're injured or ill there. You won't need to pay an admission deposit in advance.


    We'll help you get a second medical opinion4 if you're diagnosed with any of the critical illnesses covered in your policy.


    You'll also be able to find help no matter where you are, through the worldwide emergency assistance service5 provided by our partner, AXA Assistance.


    You can enjoy our Medical Concierge Service7  if you are the insured person of HSBC VHIS Flexi Plan (Diamond level). Our Medical Concierge Consultants are dedicated to assist you with making medical appointments, as well as handling insurance-related documentation for hospital admission and claim submission. Plus, you may also enjoy a complimentary round-trip limousine service for in-patient treatment in Hong Kong. T&C apply.

  • Receive premium discounts for you and your loved ones

    We'll offer you a no claim discount6 on your premium if you haven't made a claim under your policy for 3 or more consecutive policy years.


    We'll also offer you a 10% premium discount if you and family members successfully enrol at the same time or if they're already members of the policy.

  • Claim tax deductions

    If you or your spouse is a taxpayer and the policyholder, you're entitled to a maximum annual deduction1 of HKD8,000 in qualifying premiums for each insured person paid during each year of assessment. For more details, please refer to or seek independent tax advice.

For more details, please refer to the product brochure.

* Full coverage shall mean the actual amount of Eligible Expenses and other expenses charged and payable in accordance to the Terms and Benefits of this policy. 


Complimentary special benefits for COVID-19. See details >

Speak with us

HSBC One and other HSBC customers

HSBC Jade and Premier customers

Contact your Relationship Manager

Apply via hotline

  • (852) 2233 3130

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

Limited time offers:

  • Enjoy one-year premium waiver

    Eligible customers can get a first year premium waiver on our prescribed HSBC VHIS Flexi Plan when applying for any selected life insurance plan with designated annual premium amount (applicable to annual payment policy only).

    T&C apply.

  • Get up to 25% off your first-year premium

    Eligible customers can enjoy 15% off your first year premium, with an extra 10% off for family applications!

    T&Cs apply.

  • Earn up to an extra $3,000 RewardCash!

    Pay new policy’s premium to HSBC Life with HSBC Premier Mastercard® Credit Card* to enjoy the offer. T&Cs apply.

Medical concierge service hotline

(for VHIS Flexi Plan – Diamond)

  • (852) 3128 0122

    *(Monday to Friday from 9:00am to 6:00pm except public  holidays)

Earn an Apple Watch or RewardCash

An Apple Watch

With an eligible plan like HSBC VHIS Flexi Plan, you can join HSBC Life Well+, our 24-month wellness reward programme, and earn an Apple Watch^ or RewardCash. 

Join now and earn an extra $500 RewardCash!

See details

T&Cs apply.

See how people around you are being protected

Find a VHIS plan that meets your need

Are you eligible to apply?

To apply for an HSBC VHIS Flexi Plan, you'll need to be aged8 between 18 and 80.

Persons insured under an HSBC VHIS Plan must be aged8 between 15 days and 80 years.

You may also be interested in

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

Get vital healthcare coverage with one standard plan and with potential tax deduction.

T&Cs apply.


This plan is life insurance plan underwritten by HSBC Life (International) Limited. Policyholders are subject to the credit risk of HSBC Life and early surrender loss.

A couple doing yoga; image used for Comparing HSBC VHIS plans.

Find out if a Standard Plan or a Flexi Plan works better for you.

A father helps his son brushing his teeth; image used for HSBC Medical Insurance.

Your health is one of your most important assets. Take good care of it with flexible health insurance plans for you and your family.

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 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. 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. 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.

3 The free hospital admission deposit guarantee service (in mainland China) is an optional service that may be provided by an assistance company which is an independent contractor (“Independent Service Provider”) that is not an agent of HSBC Life, subject to all of the following terms:

a)The provision of services is subject to the terms and conditions of the free hospital admission deposit guarantee service in mainland China. HSBC Life (International) Limited (“HSBC Life”) reserves the right to amend its terms and conditions, the changes will be subject to Food and Health Bureau approval, from time to time without prior notice.

b)This is an optional service. Clients can opt-out the services by writing to HSBC Life.

c)The provision of the service shall be further subject to the terms and conditions as may be determined by the Independent Service Provider, from time to time, for any use of the Independent Service Provider’s service by the Life Insured.

d)HSBC Life shall not make (and does not make) any representation, warranty or undertaking as to the availability of the services.

e)HSBC Life shall not be liable to the policyholder or the insured person in any respect of any and all of the following: (i) any medical treatment and services which may be provided by any of the designated hospitals in mainland China or any health care service provider in anywhere, (ii) any action, activity, service  or response in respect of any assistance company, or Independent Service Provider or (iii) any and all loss, damage, expense, suit, action or proceeding suffered or incurred (which may be incurred or suffered) by the insured person, and/or the policyholder, whether directly or indirectly, arising from or in connection with any of the services provided or advice given by the assistance company, Independent Service Provider or its agents, or the availability of such services.

4 The second medical opinion is provided by a medical service provider which is an independent contractor and is not an agent of HSBC Life. HSBC Life shall not be held responsible for or liable to the policy holder or of the insured person for anything in relation to such medical opinion given by the medical service provider and hospital. HSBC Life reserves the right to amend the terms and conditions thereof from time to time without prior notice.

5 The provision of services is subject to the terms and conditions of the worldwide emergency assistance. HSBC Life reserves the right to amend the terms and conditions thereof from time to time without prior notice. This is an optional service. Clients can opt-out the services by writing to HSBC Life.

6 If after a no claim discount has been deducted, a claim incurred in respect of previous five (5) Policy Years becomes payable under this policy, the no claim discount shall be re-calculated by taking into account the relevant claim payable, and the policyholder shall return to HSBC Life immediately the difference between the recalculated amount (in respect of no claim discount) and the no claim discount actually paid to the policyholder.

7 Medical Concierge Service does not form part of the policy for HSBC VHIS Flexi Plan. For more details of the Medical Concierge Service and Limousine Arrangement Service, please refer to the standalone terms and conditions.

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

The above is the aggregate maximum tax-deductible limit for the two premiums, assuming a taxpayer has qualifying deferred annuity premium of HKD60,000 and a VHIS annual premium of HKD8,000 per tax assessment year (both not including levy). The actual tax deductible amount may be lower than the illustrated amount, and will depend on the discretion of the Inland Revenue Department.

10 The final decision of the pre-authorisation application or direct billing approval is subject to the discretion of the Company.

11 The standard tax rate for the year of assessment in 2020/21 is 15%.

^By choosing an Apple Watch as your reward, you will be committing to a 24-month interest-free instalment plan via your HSBC credit card. To borrow or not to borrow? Borrow only if you can repay!

*To borrow or not to borrow? Borrow only if you can repay!

The HSBC VHIS Flexi Plan is 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.

Please refer to the respective product brochure for detailed features and the policy provisions for the detailed terms and conditions.

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.