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
For more details, please refer to the product brochure.
Speak with us
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
See how people around you benefit from this plan
Let’s look at Mark’s story – a medical surgery case
Find a VHIS plan that meets your need
See policy details such as policy term, annual benefit limit and more
Other useful 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.
Call (852) 2233 3130 (Monday to Friday: 11am – 7:30pm, except public holidays)
For HSBC Jade and Premier customers, please contact your Relationship Manager.
You may also be interested in
HSBC VHIS Flexi Plan
Support you and your loved ones with all-round medical coverage, access to quality medical care and with potential tax deduction in Hong Kong.
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.
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 www.ird.gov.hk or seek independent tax advice.
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.
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.