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HSBC VHIS Flexi Plan

We've got your medical expenses covered globally.

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

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

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.

Flexible choices among 4 levels of annual deductible

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

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

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.

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

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.

dpws-tools-calculator-creator

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?

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.

More must-read health tips

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

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).

Find out more

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Safeguard yourself against unexpected medical expenses and critical illnesses
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.