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
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 www.ird.gov.hk 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
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
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!
T&Cs apply.
See how people around you are being protected
Mark is a 40-year old architect. He would like to have medical coverage for himself, his wife and son, and to enjoy the tax benefits.
Find a VHIS plan that meets your need
To learn more about Standard Premium Schedule including levy, please click here.
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.
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.
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.
Comparing HSBC VHIS plans
Find out if a Standard Plan or a Flexi Plan works better for you.
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.
- Diamond level: (852) 2894 4798
- Bronze / Silver / Gold levels: (852) 2894 4780
You can also find the claim forms you may need here.
Remark
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 www.ird.gov.hk 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!