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

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

  • Guaranteed renewal up to age2 100

  • Claim up to HKD420,000 per policy year for the treatments you need with no lifetime benefit limits

  • Cover yourself against unknown pre-existing conditions3. Receive partial coverage during a waiting period from the 2nd policy year and full cover from your 4th year onwards

  • Get covered for pre/post-confinement care, day case procedure outpatient care, and local psychiatric treatment

  • Claim a maximum annual tax deduction4 of HKD8,000 for each insured person. For more details, please refer to


For more details, please refer to the product brochure.

Speak with us

Book an appointment for face-to-face or video-enabled meeting:

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)

Limited time offers:

  • Earn up to an extra $6,000 RewardCash!

    Pay new policy’s premium to HSBC Life with HSBC Premier Mastercard® Credit Card* to enjoy the offer.

    Offer ends 30 June 2022. 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 Watch5 or RewardCash. 

-- Apple Watch Series 7 and new SE models are offered here now!

Join now and earn an extra $500 RewardCash!

See details

T&Cs apply.

See how people around you benefit from this plan

Find a VHIS plan that meets your need

Are you eligible?

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

Additional information

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.

Start your application

Book an appointment

Book a face-to-face appointment or video-enabled meeting.

Contact us

Call (852) 2233 3130 (Monday to Friday: 11am – 7:30pm, except public holidays)

For HSBC Jade and Premier customers, please contact your Relationship Manager.

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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.

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

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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 and you’ll want to make an insurance claim as soon as possible.

Simply call our Tele-Consultants at (852) 3128 0122 who will assist you in preparing your relevant claim request(s).

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 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.

4 Worldwide shall mean no geographical limitation. Except for psychiatric treatment is applicable to Hong Kong only.

5 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!

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

*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. The VHIS Standard Plan is 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.