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.
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.
4 key benefits
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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.
Health tips for all
What is the difference between VHIS and General Medical Insurance?
- | 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 |
- | 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 periodCovers the cost of prescribed diagnostic imaging tests
- Treatment periodIncludes full payment of surgical fees[@insurance-vhis-flexi-fullcoverage], surgical and non-surgical cancer treatments such as targeted therapy and immunotherapy
- Hospitalisation periodCovers up to a standard private room, which surpasses the general voluntary health insurance on the market
- Recovery periodA 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.
More must-read health tips
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.
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).