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 29 Sept 2025):
Excel Format
Summary of Standard Premiums of VHIS Standard Plans (HKD) -
Male (As of 29 Sept 2025):
Excel Format
