Identification of Certified Plans
Upon successful certification, each Certified Plan is assigned a unique
certification number that can be found on this website and the website of the
insurance companies concerned. The VHIS Providers have the responsibility to
disclose the certification number to their customers for verification.
Standard Plans and Flexi Plans
There are two types of Certified Plans, namely Standard Plan and Flexi
Plan.
Standard Plan is fixed in product design and adheres to the minimum complying
requirements of VHIS. Except for some minor allowable variations, the Standard Plans
offered by different VHIS Providers should be largely the same in product
design.
Flexi Plan is more flexible in product design and offers protection and benefits
that exceeds the Standard Plan. This means that all Flexi Plans must provide basic
protection equivalent to Standard Plan PLUS some top-up protection e.g. higher
benefit limit and broader benefit coverage. Flexi Plans can be very different from
one to another due to diverse design in the top-up protection to provide more
product choices.
Meaning of product certification under VHIS
All Certified Plans under VHIS, including Standard Plans and Flexi Plans, must
meet or exceed the minimum product standard of the scheme.
For the Standard Plans, the terms and benefits are standardised with prescribed minimum, such as minimum benefit coverage and amounts. For the Flexi Plans, they must provide basic protection equivalent to Standard Plan coverage, plus a flexible top-up protection to suit market needs subject to certain rules set out by the Health Bureau. Due to variety in product design of Certified Plans available in the market, consumers are advised to check carefully the terms and benefits of insurance plans, understanding their rights and obligations, and making product and premium comparisons. Consumers should also note that apart from Certified Plans under VHIS, there are non-VHIS insurance plans available in the market. Non-VHIS insurance plans are not subject to the scheme requirements of VHIS, and the premiums paid for these plans are not eligible for tax deduction that applies to Certified Plans.
For the Standard Plans, the terms and benefits are standardised with prescribed minimum, such as minimum benefit coverage and amounts. For the Flexi Plans, they must provide basic protection equivalent to Standard Plan coverage, plus a flexible top-up protection to suit market needs subject to certain rules set out by the Health Bureau. Due to variety in product design of Certified Plans available in the market, consumers are advised to check carefully the terms and benefits of insurance plans, understanding their rights and obligations, and making product and premium comparisons. Consumers should also note that apart from Certified Plans under VHIS, there are non-VHIS insurance plans available in the market. Non-VHIS insurance plans are not subject to the scheme requirements of VHIS, and the premiums paid for these plans are not eligible for tax deduction that applies to Certified Plans.
Premiums
The premium schedules of all Certified Plans can be accessible on this website and
the website of the insurance companies concerned. The premium levels are not
regulated, meaning that the premiums of different Certified Plans may differ visibly
even for similar coverage due to market competition. Consumers are advised to check
and compare the premiums of the insurance plans for their interests.
Summary of Standard Premiums of Standard Plans
This summary only serves as general reference, showing the annual standard
premiums of Standard Plans for easy comparison by consumers. Where premiums are only
charged on an instalment basis e.g. quarterly or monthly instalment, the premiums
are annualised according to the instalment basis nearest the annual basis.
There may be specific details that are not shown in this summary, including but
not limited to the levy collected by the Insurance Authority that is separately
charged, possible premium differences under different payment modes (e.g. credit
card, cash), premium discounts, premium difference between smokers and non-smokers,
and premium loadings due to higher health risks of insured persons. You are advised
to check carefully with the insurance companies or insurance agents/brokers on the
full details of premium information when choosing an insurance plan. Professional
advice should be sought if deemed necessary.
As in the case of health insurance plans commonly seen in the market, the standard
premiums of Standard Plans (and Flexi Plans as well) are normally age-banded and
subject to adjustment upon policy renewal. This means that the standard premiums for
the ages higher than your current age in the premium schedule are subject to
adjustment when you reach those ages. You are advised to consider this factor as
health insurance is a long-term protection by nature.
Apart from comparing premiums, you are also advised to consider your needs and
budgets, review carefully the terms and benefits of insurance plans, understand your
rights and obligations, and compare product features of different insurance plans.
You may approach insurance companies or insurance agents/brokers for enquiry and
assistance.
In any event, this summary does not imply any recommendation by the Health Bureau
of any particular insurance plan (including any of its product features) or
insurance company to any person, and should not be construed as an invitation or
inducement to anyone to subscribe any particular insurance plan from any particular
insurance company.
Whilst best efforts have been made by the Health Bureau to compile and consolidate
the annual standard premium figures of Standard Plans, no representation or
warranty, expressed or implied, is made by the Health Bureau as to the accuracy,
validity or completeness of this summary. Consumers should not rely solely on this
summary when choosing an insurance plan. The Health Bureau shall not be liable
(whether in tort or contract or otherwise) for any losses arising from any person's
reliance on this summary and shall not be liable for any errors or omissions in this
summary. The information provided in this summary is subject to change without
further notice.
Summary of Standard Premiums of VHIS Standard Plans (HKD) - Female (As of 03 March
2025): Excel
Format
Summary of Standard Premiums of VHIS Standard Plans (HKD) - Male (As of 03 March
2025): Excel
Format
