VHIS Flexi Plan | Voluntary Health Insurance Scheme- HSBC HK

Full coverage on all medical expenses[@insurance-vhis-flexi-fullcoverage]

Enjoy a maximum of HKD40million annual benefit limit, with a claim paid ratio of up to 97%[@insurance-claims-paid-ratio-2022], without sub-limits set.

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Join 'LIFE Talk Guardian Run' to win 55% off your first-year coverage

Join 'LIFE Talk Guardian Run' to unlock new insurance knowledge and stand a chance to win 55% off your first-year coverage! T&Cs apply. Or apply online with your family members[@insurance-vhis-flexi-familymembers] to enjoy up to 40% off with the code "MEDI30". T&Cs apply.
Enjoy special first-year premium discount with the code found in the latest version of PayMe app. T&Cs apply.
Well+ members can enjoy up to 60% off their first-year premium, T&Cs apply; Plus, earn up to $100 RewardCash when you complete the ‘Get Insured Online Challenge'. T&Cs apply.

Enjoy greater peace of mind with cashless arrangements[@insurance-vhis-flexi-cashlessarrangements] when receiving medical treatment across our hospital network. Sign relevant document and get discharged hassle-free.

Choose the level of annual deductibles that suit your needs and budget, and fill the gaps in your group medical insurance coverage.

Get assistance from our Medical Concierge Consultant – from making medical appointments, to handling insurance-related documentation. Diamond level customers may also enjoy free limousine services.

Enjoy tax relief with a maximum annual deduction of HKD8,000[@insurance-taxdeductionvhis] in qualifying premiums for each insured person. Learn more about tax savings tips.

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This amount is for reference only, please refer to the full quotation for the exact premium amount.

4 levels of coverage

Find out more about the plans to see which one suits your personal needs best.

Plan details
Level of Plan	Annual benefit limit per policy year (HKD)	Lifetime benefit limit (HKD)	Geographical limitation[@insurance-vhis-flexi-geolimitations]	Annual deductible (HKD)
Bronze (general ward)	5,000,000	20,000,000	Greater China	Nil／16,000／50,000／100,000
Silver (semi-private ward)	25,000,000	N/A	Asia, Australia, and New Zealand	Nil／16,000／50,000／100,000
Gold (private ward)	30,000,000	N/A	Asia, Australia, and New Zealand	Nil／16,000／50,000／100,000
Diamond (private ward)	40,000,000	N/A	Worldwide	Nil／16,000／50,000／100,000

Plan details
Level of Plan	Bronze (general ward)
Annual benefit limit per policy year (HKD)	5,000,000
Lifetime benefit limit (HKD)	20,000,000
Geographical limitation[@insurance-vhis-flexi-geolimitations]	Greater China
Annual deductible (HKD)	Nil／16,000／50,000／100,000

Level of Plan	Silver (semi-private ward)
Annual benefit limit per policy year (HKD)	25,000,000
Lifetime benefit limit (HKD)	N/A
Geographical limitation[@insurance-vhis-flexi-geolimitations]	Asia, Australia, and New Zealand
Annual deductible (HKD)	Nil／16,000／50,000／100,000

Level of Plan	Gold (private ward)
Annual benefit limit per policy year (HKD)	30,000,000
Lifetime benefit limit (HKD)	N/A
Geographical limitation[@insurance-vhis-flexi-geolimitations]	Asia, Australia, and New Zealand
Annual deductible (HKD)	Nil／16,000／50,000／100,000

Level of Plan	Diamond (private ward)
Annual benefit limit per policy year (HKD)	40,000,000
Lifetime benefit limit (HKD)	N/A
Geographical limitation[@insurance-vhis-flexi-geolimitations]	Worldwide
Annual deductible (HKD)	Nil／16,000／50,000／100,000

The preceding plans are guaranteed renewable annually up to age[@insurance-lastbirthdaydefinition] 100 of the insured person.

For more details, please refer to the product brochure.

Health tips for all

What is the difference between VHIS and General Medical Insurance?

Our affluent lifestyle has lead to a decline in age among those suffering from affluenza such as 3 highs, diabetes, gout, and more. How can you choose the medical insurance that suits you most?
-	HSBC VHIS Flexi Plan	General medical insurance plans
Covers unknown pre-existing conditions[@insurance-vhis-flexi-preexistingconditions]	No waiting period, you'll be fully covered starting from the policy's effective date	Mostly 30 days of waiting period
Issue age	15 days to 80 years old[@insurance-lastbirthdaydefinition]	Most plans have an issue age limit of 70
Renewal	Guaranteed annual renewal up to the age of 100[@insurance-lastbirthdaydefinition]	Annual renewal is not guaranteed
Tax deduction[@insurance-taxdeductionvhis]	Each insured person can enjoy a maximum annual deduction of HKD8,000[@insurance-taxdeductionvhis]	None

Our affluent lifestyle has lead to a decline in age among those suffering from affluenza such as 3 highs, diabetes, gout, and more. How can you choose the medical insurance that suits you most?
-	Covers unknown pre-existing conditions[@insurance-vhis-flexi-preexistingconditions]
HSBC VHIS Flexi Plan	No waiting period, you'll be fully covered starting from the policy's effective date
General medical insurance plans	Mostly 30 days of waiting period

-	Issue age
HSBC VHIS Flexi Plan	15 days to 80 years old[@insurance-lastbirthdaydefinition]
General medical insurance plans	Most plans have an issue age limit of 70

-	Renewal
HSBC VHIS Flexi Plan	Guaranteed annual renewal up to the age of 100[@insurance-lastbirthdaydefinition]
General medical insurance plans	Annual renewal is not guaranteed

-	Tax deduction[@insurance-taxdeductionvhis]
HSBC VHIS Flexi Plan	Each insured person can enjoy a maximum annual deduction of HKD8,000[@insurance-taxdeductionvhis]
General medical insurance plans	None

Why do you need VHIS?

Cover the high medical expenses for critical illness such as cancer, and get proper care within the 'golden treatment period', with VHIS.

At the onset of symptoms and diagnosis period

Covers the cost of prescribed diagnostic imaging tests
Treatment period

Includes full payment of surgical fees[@insurance-vhis-flexi-fullcoverage], surgical and non-surgical cancer treatments such as targeted therapy and immunotherapy
Hospitalisation period

Covers up to a standard private room, which surpasses the general voluntary health insurance on the market
Recovery period

A strong medical network including private hospitals across Hong Kong with cashless arrangements for medical treatment[@insurance-vhis-flexi-cashlessarrangements]

HSBC Voluntary Health Insurance Flexible Plan provides comprehensive coverage from diagnosis to recovery, with any support you need.

Medical insurance or critical illness?

If you're choosing between medical (VHIS) or critical illness insurance, subscribe to "Your one-stop guide to getting insured" so you can learn more about the differences within two weeks - and how each serves to protect you and your family.

Can't get insurance if you have Diseases of Affluence? This link will open in a new window

Get diseases of affluence - even the 3 highs - covered in your medical insurance. Find out how.

Right protection with the right medical insurance This link will open in a new window

Make better medical insurance choices for yourself and your family by learning more about the products.

Double your advantage with Tax Combo This link will open in a new window

An effective wealth management plan that not only offers tax deduction benefits, but also savings on medical expenses to plan for retirement.

Why pay a deductible? This link will open in a new window

Protect yourself from unexpected medical expenses. Learn the benefits of a self-paid deductible in some VHIS plans.

How to apply

Eligibility

To apply for our VHIS Flexi Plan, you'll need to meet these requirements:

the policyholder is aged[@insurance-lastbirthdaydefinition] between 18 and 80 years
the insured person is aged[@insurance-lastbirthdaydefinition] between 15 days and 80 years

Applying online? Here's what you need to have on hand:

an existing HSBC HKD bank account or HKD credit card
your personal details and that of the proposed insured person's, such as HKID or birth certificate number, mobile number and email address
the proposed insured person's medical history records

Useful documents

The HSBC VHIS Flexi Plan is a life insurance plan underwritten by HSBC Life (International) Limited ("HSBC Life"). It is not equivalent or similar to a bank deposit. Policyholders are subject to HSBC Life's credit risk.

Registered VHIS provider: HSBC Life (International) Limited

Type of certified plan: Flexi Plan

Name of certified plan: HSBC Voluntary Health Insurance Flexi Plan

Policy provisions and certification number (for applications on or after 29 March 2021):

Bronze
Deductible	HKD0	HKD16,000	HKD50,000	HKD100,000
Certification number	F00049-01-000-02	F00049-02-000-02	F00049-03-000-02	F00049-04-000-02
Download policy provision	Policy provisions (PDF)	Policy provisions (PDF)	Policy provisions (PDF)	Policy provisions (PDF)

Bronze
Deductible	Certification number
HKD0	F00049-01-000-02
HKD16,000	F00049-02-000-02
HKD50,000	F00049-03-000-02
HKD100,000	F00049-04-000-02

Deductible	Download policy provision
HKD0	Policy provisions (PDF)
HKD16,000	Policy provisions (PDF)
HKD50,000	Policy provisions (PDF)
HKD100,000	Policy provisions (PDF)

Silver
Deductible	HKD0	HKD16,000	HKD50,000	HKD100,000
Certification number	F00049-05-000-02	F00049-06-000-02	F00049-07-000-02	F00049-08-000-02
Download policy provision	Policy provisions (PDF)	Policy provisions (PDF)	Policy provisions (PDF)	Policy provisions (PDF)

Silver
Deductible	Certification number
HKD0	F00049-05-000-02
HKD16,000	F00049-06-000-02
HKD50,000	F00049-07-000-02
HKD100,000	F00049-08-000-02

Deductible	Download policy provision
HKD0	Policy provisions (PDF)
HKD16,000	Policy provisions (PDF)
HKD50,000	Policy provisions (PDF)
HKD100,000	Policy provisions (PDF)

Gold
Deductible	HKD0	HKD16,000	HKD50,000	HKD100,000
Certification number	F00049-09-000-02	F00049-10-000-02	F00049-11-000-02	F00049-12-000-02
Download policy provision	Policy provisions (PDF)	Policy provisions (PDF)	Policy provisions (PDF)	Policy provisions (PDF)

Gold
Deductible	Certification number
HKD0	F00049-09-000-02
HKD16,000	F00049-10-000-02
HKD50,000	F00049-11-000-02
HKD100,000	F00049-12-000-02

Deductible	Download policy provision
HKD0	Policy provisions (PDF)
HKD16,000	Policy provisions (PDF)
HKD50,000	Policy provisions (PDF)
HKD100,000	Policy provisions (PDF)

Diamond
Deductible	HKD0	HKD16,000	HKD50,000	HKD100,000
Certification number	F00049-13-000-02	F00049-14-000-02	F00049-15-000-02	F00049-16-000-02
Download policy provision	Policy provisions (PDF)	Policy provisions (PDF)	Policy provisions (PDF)	Policy provisions (PDF)

Diamond
Deductible	Certification number
HKD0	F00049-13-000-02
HKD16,000	F00049-14-000-02
HKD50,000	F00049-15-000-02
HKD100,000	F00049-16-000-02

Deductible	Download policy provision
HKD0	Policy provisions (PDF)
HKD16,000	Policy provisions (PDF)
HKD50,000	Policy provisions (PDF)
HKD100,000	Policy provisions (PDF)

For provisions with past certification numbers, please visit our forms and documents page.

Apply now

Get started with a quote now. If you have any questions, you can ask us via Live Chat. We're available from 10:30am to 10:00pm, Mondays to Fridays (except public holidays).

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Already an HSBC Online Banking customer?

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Talk with us

Get personalised support from our Insurance Specialists using one of the following ways:

book an appointment online for a face-to-face meeting.
To enhance your banking experience at weekend, selected branches open 7 days a week now! Book an appointment on a weekend.
call us on (852) 2233 3130—lines are open 11:00am to 7:30pm, Mondays to Fridays except public holidays.

HSBC Premier Elite or Premier customer?

Contact your Premier Elite Director or Relationship Manager. HSBC Premier customers can also call us on (852) 2233 3322.

Find out more

Yes, you can by submitting a written request before the deadline on your renewal notice.

No underwriting will be needed upon the policy renewal if you want to:

change from a Flexi Plan to a Standard Plan
increase your deductible amount
downgrade your plan level (eg from Diamond to Gold)

However, underwriting is required and we may ask you a few questions before approving a change if you want to:

decrease your deductible amount (eg from HKD50,000 to HKD16,000)
upgrade your plan level (eg from Silver to Gold)

Retirement income, health, tax savings This link will open in a new window

Enjoy both steady retirement income and medical coverage, while enjoying tax deduction of up to HKD68,000[@insurance-taxdeductionvhis]!

HSBC VHIS Standard Plan

An essential standard voluntary health insurance plan offering annual benefits of up to HKD420,000 to cover your basic healthcare needs and tax savings

Medical and critical illness insurance

Safeguard yourself against unexpected medical expenses and critical illnesses

Hassle free claims

We understand the importance of getting a timely claim. Find out more about our easy online submission or get personalised help with your claims.

Notes

The HSBC VHIS Flexi Plan is a life insurance plan underwritten by HSBC Life (International) Limited ("HSBC Life") which is authorised and regulated by the Insurance Authority ("IA") to carry on long-term insurance business in the Hong Kong SAR. It is not a bank deposit or bank savings plan. Please refer to the product brochure for detailed features and the policy provisions for the detailed terms and conditions.

HSBC Life is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries. The Hongkong and Shanghai Banking Corporation Limited ('HSBC') is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an agency of HSBC Life for the distribution of life insurance products in the Hong Kong Special Administrative Region. This product is a product of HSBC Life but not HSBC and it is intended only for sale in the Hong Kong SAR. Your benefit is subject to the credit risk of HSBC Life. Your premiums paid will form part of HSBC Life's assets. You do not have any rights or ownership over any of those assets. Your recourse is against HSBC Life only.

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 HSBC and you out of the selling process or processing of the related transaction, HSBC is required to enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the above insurance product should be resolved between HSBC Life and you directly.

HSBC VHIS Flexi Plan

Full coverage on all medical expenses[@insurance-vhis-flexi-fullcoverage]

Join 'LIFE Talk Guardian Run' to win 55% off your first-year coverage

4 key benefits

No upfront out-of-pocket costs[@insurance-vhis-flexi-cashlessarrangements]

Flexible choices among 4 levels of annual deductible

Enjoy medical concierge services[@insurance-vhis-flexi-medicalconcierge]

A maximum annual deduction of HKD8,000[@insurance-taxdeductionvhis]

dpws-tools-calculator-creator

4 levels of coverage

See plan details

Health tips for all

What is the difference between VHIS and General Medical Insurance?

Why do you need VHIS?

Medical insurance or critical illness?

More must-read health tips

How to apply

Eligibility

Useful documents

Policy provisions and certification numbers

Apply now

Already an HSBC Online Banking customer?

Other ways to apply

Find out more

Can I change my plan type or level after my policy has come into effect?

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Notes

Disclaimer