VHIS Medical Insurance

 
 

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Select and buy the most suitable VHIS plan for your needs

INSUREDIY VHIS Plans Comparison Platform

 
喜盈於「息」特級儲蓄保障計劃報價
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實際回報以產品說明文件為準,以上數值僅供參考之用。

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實際回報以產品說明文件為準,以上數值僅供參考之用。

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實際回報以產品說明文件為準,以上數值僅供參考之用。

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實際回報以產品說明文件為準,以上數值僅供參考之用。

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有關申請人及聯絡資料
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Why VHIS?
Main Advantages and Features:

 

Guarantee renewal up to the age of 100 years

Guaranteed renewal

Up to age of 100 years

No lifetime benefit limit

No “lifetime benefit limit”

Annual limits are refreshed each year

Premium transparency

Premium transparency

Standard premium schedule is accessible

Unknown pre-existing conditions

Unknown pre-existing conditions

Extended coverage to unknown pre-existing conditions

Tax deduction

Tax deduction

Tax relief on the premiums paid by the policyholder

Territorial scope of cover

Territorial scope of cover

Worldwide coverage



What is VHIS?

The Voluntary Health Insurance Scheme (VHIS) was launched on April 1, 2019, and is a policy initiative to be implemented by the Hong Kong government. The aims of VHIS are to provide the Hong Kong citizens “Choose with Confidence” with the affordability and transparency on the premiums.

 

How should I choose between 
VHIS Standard and Flexi Plans?

 

Standard Plan

Standard Plan

Standard Plans offer basic protection, complying with a standardized benefit coverage and benefit limits. There are limited variations among the standard plans offered by different insurers. Variations usually are found in “Other Benefits” items, e.g. some offer compassionate death benefit, hospital cash benefit and outpatient surgery cash allowance etc.

Flexi plan

Flexi Plan

Flexi Plans offer higher benefit amounts and more benefit items. Insurers have more flexible plans to suit different customers’ needs. There are various product designs and benefit items in the various Flexi Plans. These may include different benefit schedules, additional benefit items and with supplementary major medical (SMM), etc.

 

 

Common Benefits
For VHIS Plan

 

Guaranteed renewal

Guaranteed renewal till age 100, irrespective of change in your health condition after policy commencement.

 

No “lifetime benefit limit”

This means that even if you claim up to your full annual limits in a policy year, you will be eligible for the full annual limits again in the next policy year.

 

Premium transparency

Standard premium schedule can be accessible on VHIS and Insurance Companies’ websites.

 

Unknown pre-existing conditions

If you have a pre-existing condition that you were not aware of at the time you applied for the policy, the reimbursement expenses will be on a sliding scale: 1st year (no coverage), partially covered in 2nd year (25%) and 3rd year (50%) after policy inception and fully covered (100%) afterwards.

 

Tax deduction

A taxpayer is allowed to claim tax deduction under the Inland Revenue Ordinance for premiums paid (up to maximum HK$8,000 per insured person per tax year).

 

Territorial scope of cover

Benefits are worldwide coverage, except Psychiatric Treatment and Other Enhanced Benefits.

 

Supplementary Major Medical (SMM) Benefit

SMM will provide additional reimbursements for your claims that are in excess (‘eligible excess expenses’) of the benefit limits, giving you extra safety net against the financial burden.

 

InsureDIY Limited is an insurance broker licenced by the Insurance Authority of Hong Kong and is authorised to distribute insurance in Hong Kong.