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    Voluntary Health Insurance Scheme ("VHIS") Series

    Voluntary Health Insurance Scheme ("VHIS") Series are underwritten by HSBC Life (International) Limited ("HSBC Life")

    What's Voluntary Health Insurance Scheme Series?

    We partnered with HSBC Life to roll out this VHIS series to offer you all-round health protection, including outpatient and local psychiatric care, with tax-deductible premiums. Our HSBC Voluntary Health Insurance Standard Plan (No. S00042) and Vital Care Voluntary Health Insurance Flexi Plan (No. F00076) can take care of your different medical needs, you can explore the differences through our detailed comparison table below.

    Compare plans

    HSBC Voluntary Health Insurance Standard Plan
    Vital Care Voluntary Health Insurance Flexi Plan
    Application channel

    Visit our branch

    Visit our branch

    Annual benefit limit

    HKD420,000

    From HKD5,000,000 to
    HKD40,000,000

    Standard premium for age 30

    Male: HKD2,096/year
    Female: HKD2,184/year
    (No deductible options)

    From HKD8,183/year
    (HKD0 deductible)

    From HKD5,316/year
    (HKD16,000 deductible)

    Geographic limitation

    Worldwide

    • Bronze level: Greater China (i.e. mainland China, Hong Kong and Taiwan)
    • Silver level: Asia, Australia and New Zealand
    • Gold level: Asia, Australia, and New Zealand
    • Diamond level: Worldwide
    Restricted ward class

    No restrictions

    • Bronze level: General ward
    • Silver level: Semi-private room
    • Gold level: Standard private room
    • Diamond level: Standard private room
    Guaranteed renewal

    Up to age 100

    Up to age 100

    Room and board

    HKD 750 /day
    Max 180 days per policy year

    Full cover

    Specialist’s fee

    HKD4,300/year

    Full cover

    Prescribed non-surgical cancer treatments

    HKD80,000/year

    Full cover

    Remarks

    Psychiatric treatment and cash benefit for lower ward classes are applicable to Hong Kong only

    Psychiatric treatment and cash benefit for lower ward classes are applicable to Hong Kong only

    Title
    Learn more
    Learn more

    Featured VHIS products

    HSBC Voluntary Health Insurance Standard Plan

    This is a VHIS-certified standard plan[2] with up to HKD420,000 annual benefits:

    • No limits on lifetime benefits
    • Offers a wide range of coverages for your basic healthcare needs
    • Covers previously unknown conditions
    • With tax-deductible premiums
    Learn more

    Vital Care Voluntary Health Insurance Flexi Plan

    This is a VHIS-certified Flexi plan[3] with up to HKD40M annual benefits:

    • Offers full medical expense coverage, no upfront out-of-pocket costs
    • Allows you to choose your annual deductible
    • Covers previously unknown conditions
    • With tax-deductible premiums
    Learn more

    Make a claim

    Claims procedures

    Check out the procedures, required documents and FAQs.

    Learn more

    Claim form

    Find all the forms and documents

    Download

    Need help?

    You may be interested in

    Link

    Footnote

    Other point(s) to note

    1. Disclosure of information: The above plans are certified by the Health Bureau and are underwritten by HSBC Life (International) Limited ("HSBC Life") which is authorised and regulated by the Insurance Authority in Hong Kong. Hang Seng Bank Limited ("Hang Seng Bank") is an insurance agency authorised by HSBC Life for the distribution of the above plans. The above plans are products of HSBC Life but not Hang Seng Bank. Subscriptions will be payable to HSBC Life upon enrolment in the above plans. HSBC Life will provide Hang Seng Bank with the relevant commission and performance bonus in accordance with the selling of the above plans. The existing sales staff remuneration policy offered by Hang Seng Bank will take into account various aspects of the staff performance but not solely the sales amount. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between the Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the policy terms or performance (claims and service) of the product should be resolved directly between HSBC Life and the customer.
    2. The above information is a product summary for reference only. Please refer to the policy for the detailed coverage, general exclusions, terms and conditions. For related product risks, please refer to the product brochure. In the event of any discrepancy in respect of the meaning between the Chinese version and the English version, the English version shall prevail.
    3. The above plans are only intended only for sale in the Hong Kong SAR. They shall not be construed as an offer, to sell or a solicitation of an offer or recommendation to purchase or sell or provision of any product of HSBC Life outside Hong Kong.
    4. The tax incentives mentioned in this webpage are only available to Hong Kong taxpayers. Whether tax deduction is allowable for all or any part of the qualifying premiums paid under your VHIS Plan and the actual tax deductible and/or saving amount shall be subject to your personal circumstances, the provisions of the Inland Revenue Ordinance (Cap. 112 of the Laws of Hong Kong SAR) and the Inland Revenue Department's discretion. All the information relating to VHIS tax incentive included in this webpage is not intended to provide any form of tax advice. We don’t provide tax advice. If you are in doubt with your tax status or any information relating to tax incentives, you should obtain independent professional advice or visit the Inland Revenue Department’s website. Please note that the tax law, regulations and/or interpretations are subject to change and may affect any related tax incentive including the eligibility criteria for a tax deduction. We are not responsible for informing you about any changes in laws, regulations or interpretations, and how they may affect you.

    Remark(s)

    1. Voluntary Health Insurance Scheme ("VHIS") Series are life insurance plans and are not bank deposit. These products are underwritten by HSBC Life (International) Limited ("HSBC Life") and distributed by Hang Seng Bank Limited ("Hang Seng Bank"). Policyholders are subject to the credit risk of HSBC Life. The below information is only a brief description of the insurance products and do not contain the full terms of the policy, which can be found in the relevant policy contract.
    2. HSBC Voluntary Health Insurance Standard Plan is a certified standard plan under the VHIS by the Health Bureau. Underwritten by HSBC Life.
    3. Vital Care Voluntary Health Insurance Flexi Plan is a certified flexi plan under the VHIS by the Health Bureau and underwritten by HSBC Life.