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    HSBC Voluntary Health Insurance Standard Plan

    A VHIS standard plan certified by the Health Bureau. Underwritten by HSBC Life (International) Limited ("HSBC Life")

    What's HSBC Voluntary Health Insurance Standard Plan?

    This VHIS certified standard plan (No. S00042-01-000-02) is designed to give you basic worldwide medical coverages, with annual benefits up to HKD420,000, protecting you from unexpected medical expenses.
    If you'd like to learn more details or apply for this plan, please visit any of our branches to meet with our insurance specialists.

    Key features

    • Guaranteed renewable up to age 100
    • The claim amount is up to HKD420,000 per policy year

    Offers a wide range of coverages, including:

    • pre/post-confinement care
    • day case procedure outpatient care
    • local psychiatric treatment

    If you have been diagnosed with illness you weren't aware of when you applied for this policy, this policy will cover your eligible medical expenses[4]:

    • During the 2nd to 3rd policy year: Partial coverage
    • From the 4th policy year onwards: Full coverage

    For the premium paid for yourself and your family members, you can claim a tax deduction for eligible VHIS premium of up to HKD8,000 per insured person each tax assessment year

    If you need medical treatment, this service[2] can help with medical appointments and the related insurance documents

    Benefit table

    HSBC Voluntary Health Insurance Standard Plan
    Annual benefit limit

    HKD420,000

    Lifetime benefit limit

    nil

    Geographic limitation

    Worldwide[3]

    Guaranteed renewal

    Up to age 100

    Room and board
    • HKD 750 /day
    • Max. 180 days/policy year
    Miscellaneous charges

    HKD14,000/policy year

    Attending doctor's visit fee
    • HKD750/day
    • Max. 180 days/policy year
    Specialist's fee

    HKD4,300/year

    Intensive care
    • HKD3,500/day
    • Max. 25 days/policy year
    Surgeon's fee

    Per surgery, subject to surgical category for the surgery/procedure in the schedule of surgical procedures:

    • Complex: HKD50,000
    • Major: HKD25,000
    • Intermediate: HKD12,500
    • Minor: HKD5,000
    Anesthetist's fee

    35% of surgeon’s fee payable

    Operating theatre charges

    35% of surgeon’s fee payable

    Prescribed diagnostic imaging tests

    HKD20,000/policy year
    Subject to 30% coinsurance

    Prescribed non-surgical cancer treatments

    HKD80,000/policy year

    Pre- and post-Confinement / Day Case Procedure outpatient care

    HKD580/visit, up to HKD3,000/policy year:

    • 1 prior outpatient visit or emergency consultation per confinement / day case procedure
    • 3 follow-up outpatient visits per confinement / day case procedure (within 90 days after discharge from hospital or completion of day case procedure)
    Psychiatric treatments

    HKD30,000/policy year

    Compassionate death benefit

    HKD10,000

    Product information

    Eligibility

    • Policyholders must be aged 18 or above and Hang Seng customers
    • The insured person could be yourself or your family members, and must be aged 15 days to 80 years[6] (inclusive) when the policy starts

    VHIS enquiries

    You can contact the VHIS Office of the Health Bureau at vhis_enquiry@fhb.gov.hk about:

    • Choice of insurance companies and insurance plans
    • Features of VHIS Certified Plans
    • Compliance with the Code of Practice

    You can contact the Insurance Authority (https://www.ia.org.hk/) about:

    • The conduct of insurance companies and intermediaries

    You can consult your tax and accounting advisors or the Inland Revenue Department (https://www.ird.gov.hk/) about:

    • Tax deduction

    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?

    Footnote

    Other point(s) to note

    1. Disclosure of information: The above plan is certified by the Health Bureau and is 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 plan is product of HSBC Life but not Hang Seng Bank. Subscriptions will be payable to HSBC Life upon enrolment in the above plan. HSBC Life will provide us with the relevant commission and performance bonus in accordance with the selling of the above plans. Our existing sales staff remuneration policy 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 us and the customer out of the selling process or processing of the related transaction, we're 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. This plan is intended only for sale in the Hong Kong SAR. It 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 isn't 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 aren't responsible for informing you about any changes in laws, regulations or interpretations, and how they may affect you.

    Remark(s)

    1. HSBC Voluntary Health Insurance Standard Plan (No. S00042) is a life insurance plan and is not a bank deposit. This product is 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 product and does not contain the full terms of the policy, which can be found in the relevant policy contract.
    2. Medical Concierge Service isn't a part of the HSBC Voluntary Health Insurance Standard Plan  policy. For more details, please refer to the detailed terms and conditions.
    3. Worldwide means no geographical limitation. Please refer to the Summary of Benefits for the items eligible for full cover. Full cover is only applicable to covered expenses and subject to the annual benefit limit, deductible and restricted ward class set out in the Summary of Benefits. Please refer to the Policy for details.
    4. Pre-existing condition(s) shall mean, in respect of the insured person, any sickness, disease, injury, physical, mental or medical condition or physiological degradation, including congenital condition, that has existed prior to the policy issuance date or the policy effective date, whichever is the earlier. An ordinary prudent person shall be reasonably aware of a pre-existing condition, where - (a) it has been diagnosed; (b) it has manifested clear and distinct signs or symptoms; or (c) medical advice or treatment has been sought, recommended or received. HSBC Life may impose case-based exclusion(s) to the pre-existing condition(s) notified in the application for the plan and any subsequent information or document submitted to HSBC Life for the purpose of the application. Unknown pre-existing condition(s) refers to any pre-existing condition(s) that the policyholder and/or insured person wasn't aware and wouldn't reasonably have been aware of at the time of application. Please refer to the Policy Provisions for the full terms and conditions.
    5. Any Hong Kong taxpayer who has purchased an eligible health insurance plan (certified by the Health Bureau as VHIS) can claim a tax deduction on qualifying premiums up to HKD8,000 per insured person each year. The relationship between the taxpayer and the insured person must be included in the definition of "specified relative" as set out in the Inland Revenue Ordinance (Cap. 112 of the Laws of Hong Kong SAR). You can claim the deduction in the same tax year when the premium was paid. The deduction is available for certified plans, but not any other optional benefits, with a policy effective date of 1 April 2019 or later. There is no limit on the number of insured persons and/or policies claimed by each taxpayer. Policies purchased for a domestic partner, grandchild(ren) or domestic partner’s parents/children are not eligible for tax deduction.
      All the information relating to VHIS tax incentive included in this webpage isn't intended to provide any form of tax advice. We don't provide tax advice. If you are in doubt about your tax status, you should obtain independent professional advice.
    6. The age refers to the age of the insured person on their last birthday.