VHIS

Information contained in this search webpage is prepared based on the information provided by the relevant insurance companies. It is intended to serve as general reference to facilitate comparison of product features, and cannot replace or substitute for the full policy terms and benefits of the relevant insurance plans. Consumers are advised to consider their insurance needs and budget, review carefully the terms and benefits of insurance plans, understand their rights and obligations, and compare different product features before choosing an insurance plan. Where necessary, consumers should make appropriate enquiries with and seek clarification from the insurance companies or their insurance agents, or the consumers’ own insurance brokers. In case of doubt, professional advice should be sought.

In any event, the search results generated from any search conducted on this search webpage do 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 issued by any particular insurance company.

The search results show the annual standard premiums applicable to new applications of Certified Plans for easy comparison by consumers. Where premiums are payable by instalments e.g. quarterly or monthly instalments, the premiums are annualised according to the instalment basis nearest the annual basis. There may be specific details regarding premium that are not shown in the search results, 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), discounts or incentives, premium difference between smokers and non-smokers, and premium loadings due to higher health risks of insured persons. Consumers are advised to check carefully with the insurance companies or their insurance agents, or the consumers’ own insurance 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 Certified Plans are normally age-banded and subject to adjustment upon policy renewal. This means that the standard premiums for the ages higher than the consumer’s age at the time of search shown in the premium schedule are subject to adjustment when the consumers reach those ages. Consumers are advised to consider this factor as health insurance is a long-term protection by nature.

Whilst best efforts have been made by the Health Bureau to compile and consolidate the relevant information, no representation or warranty, expressed or implied, is made by the Health Bureau as to the accuracy, validity or completeness of this search webpage and any results generated from any search conducted on this search webpage. Consumers should not rely solely on this search webpage 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 search webpage and relevant search results, and shall not be liable for any errors or omissions in the search webpage and relevant search results. The information provided in this search webpage is subject to change without further notice.