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VHIS Standard Plan

One essential plan to cover your basic healthcare needs.

Your existing medical coverage may not be enough to meet rising costs in an already strained public health system.

Our Standard Plan - an individual indemnity hospital insurance plan certified under the Voluntary Health Insurance Scheme (VHIS) - could be just what you need to safeguard yourself against the unexpected while enjoying tax deductions1

Vital coverage for your essential healthcare needs

  • Live long and reassured

    You'll enjoy guaranteed renewal up to age2 100.

  • Enjoy life, with no lifetime benefit limits

    Claim up to HKD420,000 per policy year for the treatments you need. Your limits will be refreshed at the start of each policy year, and there's no limit to your lifetime benefits.

  • Cover yourself against unknown pre-existing conditions

    You'll be covered against unknown pre-existing conditions3. You may receive partial coverage during a waiting period from the 2nd policy year and full cover of eligible expenses from your 4th year onwards.

  • Get covered for core hospital expenses

    You'll be reimbursed on eligible expenses for inpatient and day-case procedures, prescribed diagnostic imaging tests, prescribed non-surgical cancer treatment, and outpatient care before and after confinement or day-case procedure.

  • 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.


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:

  • 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.

Earn an Apple Watch or RewardCash

An Apple Watch

With an eligible plan like HSBC VHIS Standard 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 a VHIS Standard Plan as a policyholder, you'll need to be aged2 between 18 and 80.

Persons insured under an HSBC VHIS Plan must be aged2 between 15 days and 80 years.

Registered VHIS provider: HSBC Life (International) Limited

Type of certified plan: Standard Plan

Name of certified plan: HSBC Voluntary Health Insurance Standard Plan

Certification Number (for applications on or after 29 Mar 2021): S00042-01-000-02

For the provisions with previous Certification Number, please click here.

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Support you and your loved ones with all-round medical coverage, access to quality medical care and with potential tax deduction in Hong Kong.

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.


1Tax 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.

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

3Pre-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.

4The 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.

^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 Standard 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.