VHIS Medical Insurance

 
 

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喜盈於「息」特級儲蓄保障計劃報價

即日起至7月31日,整付保費享0.68%至1%折扣 (視乎保費金額而定*)

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保費亦可分3年期繳付。

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以上未計保費徵費。

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以上未計保費徵費。

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以上未計保費徵費。

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預期回報以整付保費模式計算。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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預期回報以整付保費模式計算。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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預期回報以整付保費模式計算。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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以上未計保費徵費。

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以上未計保費徵費。

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以上未計保費徵費。

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預期回報以整付保費模式計算。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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預期回報以整付保費模式計算。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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預期回報以整付保費模式計算。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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以上未計保費徵費。

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以上未計保費徵費。

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以上未計保費徵費。

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預期回報以整付保費模式計算。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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預期回報以整付保費模式計算。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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預期回報以整付保費模式計算。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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*少於500,000 港元 /人民幣或65,000美元整付保費,享0.68%折扣;高於500,000 港元 /人民幣或65,000美元整付保費,享1%折扣
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.

 

Here are some common questions
about VHIS Medical Insurance

1. What are the differences between VHIS Certified Plans and other individual hospital insurance products?

 

VHIS Certified Plans are officially certified by the Food and Health Bureau to have met a number of standard features to enhance consumer protection, including standardized policy terms and conditions. For example: Guaranteed Renewal Up to the Age of 100 years - the guarantee is irrespective of whether or not your health condition has changed after the policy is in force, and cover Unknown Pre-existing Conditions - An unknown pre-existing condition refers to a health condition, such as illness, which has existed but you are unaware of its existence when applying for insurance coverage, at which most of the individual hospital insurance products will not cover pre-existing illness.

 

 

2. Is there any restriction on the choice of hospitals under VHIS?

 

No, the basic protection of all Certified Plans provides free choice of hospitals and doctors.

 

 

3. Does VHIS cover treatments of COVID-19 infection?


For all medically necessary treatments, eligible expenses on the treatments of COVID-19 infection (including expenses incurred for hospitalisation, day case procedures and prescribed diagnostic imaging tests in Hong Kong and elsewhere in the world) would be covered as part of the basic protection offered by all VHIS Certified Plans.

 

 

4. What are the differences between the premium structure of VHIS Certified Plans and individual hospital insurance products?

a) Under VHIS, premium of all Certified Standard Plans is transparent. the participating insurance companies have to publish the premium schedules of their Certified Plans and can be accessed on the official VHIS website.

b) With one of the features under VHIS, it is guaranteed renewal up to the age of 100 years, regardless of your health condition has changed, which unlike individual hospital insurance products that the insurance companies might dramatically increase the premium or even not renew your policy because of the claims history. Although the VHIS participating insurance companies can also adjust the premium for the VHIS Standard Plans, but the rate of adjustment in your case must equally apply to other customers within the same age and gender group of your insurance plan. This restriction can prevent the insurance companies from treating you unfairly.

 

 

5. Can I switch from my individual hospital insurance plan to VHIS Certified Plan?

 

Yes! If your insurance company has participated in VHIS, it must offer its existing policyholders of individual hospital insurance an opportunity to switch to Certified Plans. The timing of the migration depends on the renewal cycle of your existing insurance policy.

 

 

6. What are the advantages of buying VHIS?

 

One of the best advantage of buy VHIS plans is the policyholder can have tax deduction - the premium that a policyholder (the policyholder must be a personal income taxpayer) can claim tax deduction is up to $8,000 per insured person in each assessment year. For details, please refer to Inland Revenue Department (IRD) or contact the IRD.

 

 

7. Is there any age limit for buying VHIS plans?

 

The participating insurance companies are required to consider applications from Hong Kong residents aged between 15 days and 80 years, and unlike most of the individual hospital insurance products, the issue age is only up to 65 years.

 

 

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