VHIS Flexi Plan | Voluntary Health Insurance Scheme

Full coverage on medical expense[@fullcoverage]

With the full medical coverage[@fullcoverage] provided by our VHIS Flexi plan, you won’t have to worry about whether your plan would cover all your medical expenses. Add to that a claims paid ratio[@insurance-claims-paid-ratio-2022] of 97% on our VHIS plans, you can rest assured that you will receive all the support you need, when you need it.

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Special offers — Enjoy up to 60% off online

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 a premium rebate of up to $300 RewardCash when you complete the ‘Get Insured Online Challenge’. T&Cs apply.

Key benefits

Full coverage of HKD5 million or more

Get full medical coverage[@fullcoverage] with no sub-limits on hospitalisation and surgical fees—your annual benefits will be recalculated every year

Choose your annual deductible

Choose from 4 levels of annual deductibles, depending on your personal needs and budget: HKD0, HKD16,000, HKD50,000 and HKD100,000

Cover previously unknown conditions

You'll be fully covered for unknown pre-existing conditions[@preexistingconditiondefinition], starting from the policy's effective date—no waiting period necessary

No upfront out-of-pocket costs

Get peace of mind with cashless arrangements for medical treatment[@preauthorisation] at Hong Kong hospitals

Choose from 4 levels of coverage

Find out more about each plan and see which caters best to your personal needs

Plan details
	Bronze	Silver	Gold	Diamond
Annual benefit limit per policy year (HKD)	5,000,000	25,000,000	30,000,000	40,000,000
Lifetime benefit limit (HKD)	20,000,000	N/A	N/A	N/A
Geographical limitation[@geographicaldefinitionvhisf]	Greater China	Asia, Australia and New Zealand	Asia, Australia and New Zealand	Worldwide
Ward class	General	Semi-private	Private	Private
Annual deductible (HKD)	Nil / 16,000 / 50,000 / 100,000	Nil / 16,000 / 50,000 / 100,000	Nil / 16,000 / 50,000 / 100,000	Nil / 16,000 / 50,000 / 100,000

Plan details
	Annual benefit limit per policy year (HKD)
Bronze	5,000,000
Silver	25,000,000
Gold	30,000,000
Diamond	40,000,000

	Lifetime benefit limit (HKD)
Bronze	20,000,000
Silver	N/A
Gold	N/A
Diamond	N/A

	Geographical limitation[@geographicaldefinitionvhisf]
Bronze	Greater China
Silver	Asia, Australia and New Zealand
Gold	Asia, Australia and New Zealand
Diamond	Worldwide

	Ward class
Bronze	General
Silver	Semi-private
Gold	Private
Diamond	Private

	Annual deductible (HKD)
Bronze	Nil / 16,000 / 50,000 / 100,000
Silver	Nil / 16,000 / 50,000 / 100,000
Gold	Nil / 16,000 / 50,000 / 100,000
Diamond	Nil / 16,000 / 50,000 / 100,000

The preceding plans are guaranteed renewable annually up to age[@lastbirthdaydefinition] 100 of the insured person. For more details, please refer to the product brochure (PDF).

How to get the most out of your insurance

Look out for what's covered

It can be tempting to opt for the cheapest plan even if it comes with far fewer benefits. But in the event of injury or illness, will it be enough to cover the expenses?

Colorectal cancer, one of the most common life-threatening diseases in Hong Kong, can incur costs of between HKD115,249 and HKD217,491 at private hospitals[@vhiseducationcontent1]
Most medical protection plans have sub-limits on each medical service, and break them down into even smaller sub-limits. So if your treatment exceeds the specific sub-limit, you'll have to bear the remaining cost yourself.
But our VHIS Flexi Plan will cover hospitalisation and surgical fees fully without any sub-limits. Plus, the benefit limit resets yearly so you won't have to worry even if your treatment spans over a few years.

Learn about covering medical expenses This link will open in a new window

Balancing cost and coverage

Some medical plans offer deductible amounts. That means you pay for part of the medical expense, per the amount specified on your plan, and the insurance company will pay the rest.
The more deductibles you select, the lower your premium will be. This way, you can strike a balance between your budget and protection needs. You'd be considering any current or medical insurance plans you may have, and what you can afford if you incur large medical expenses.
Luckily, you can get complete yet affordable protection with our VHIS plans. Our VHIS Flexi Plan offers different deductible options so you can choose the one that works best for you.

How to choose deductible amounts This link will open in a new window

Medical insurance or critical illness?

Medical (VHIS) or critical illness insurance, either one or both? Subscribe to “Your one-stop guide to getting insured”, learn important facts and tips about the two insurance types within two weeks, so you and your family can stay protected.

Extra features

Tax relief

Enjoy tax relief[@taxdeductionvhis], with a maximum annual deduction of HKD8,000 in qualifying premiums for each insured person.
Family premium discount

Enjoy 10% off your premium when you apply as a family—including immediate and extended members[@familymembersapplicationdefinition]—or if they're already insured persons under the policy

Change your annual deductible for your retirement needs

You'll be offered a one-time choice to remove or decrease your deductible at age[@lastbirthdaydefinition] 55 or every 5 years after that without underwriting—which means you'll pay less out of pocket when you make a claim during retirement
Enjoy Medical Concierge Service[@medical-concierge-service-evhis-campaign]

Get assistance from our Medical Concierge Consultant on making medical appointments and handling insurance-related documentation; enjoy free limousine service (Diamond level)

How to apply

Eligibility

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

the policyholder is aged[@lastbirthdaydefinition] between 18 and 80 years
the insured person is aged[@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.

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.

Useful documents

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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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, or meet with us over video
call us on (852) 2233 3130—lines are open 11:00am to 7:30pm, Mondays to Fridays except public holidays.

HSBC Jade or Premier customer?

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

Find out more

Here is an overview of the two plans we offer:
Policy summary	HSBC VHIS Standard Plan	HSBC VHIS Flexi Plan
Issue age[@lastbirthdaydefinition]	15 days to 80 years	15 days to 80 years
Policy term	Guaranteed renewable annually for the insured person up to age[@lastbirthdaydefinition] 100	Guaranteed renewable annually for the insured person up to age[@lastbirthdaydefinition] 100
Annual benefit limit per policy year (HKD)	420,000	Bronze: 5,000,000 Silver: 25,000,000 Gold: 30,000,000 Diamond: 40,000,000
Lifetime benefit limit (HKD)	Nil	Bronze: 20,000,000 Silver / Gold / Diamond: Nil
Annual deductible (HKD)	N/A	Nil / 16,000 / 50,000 / 100,000
Payment mode	Annually	Annually or monthly
Geographical limit[@geographicaldefinitionvhisf]	Worldwide	Bronze: Greater China Silver / Gold: Asia, Australia and New Zealand Diamond: Worldwide
Ward class	No restrictions	Bronze: General ward Silver: Semi-private room Gold / Diamond: Standard private room

Here is an overview of the two plans we offer:
Policy summary	Issue age[@lastbirthdaydefinition]
HSBC VHIS Standard Plan	15 days to 80 years
HSBC VHIS Flexi Plan	15 days to 80 years

Policy summary	Policy term
HSBC VHIS Standard Plan	Guaranteed renewable annually for the insured person up to age[@lastbirthdaydefinition] 100
HSBC VHIS Flexi Plan	Guaranteed renewable annually for the insured person up to age[@lastbirthdaydefinition] 100

Policy summary	Annual benefit limit per policy year (HKD)
HSBC VHIS Standard Plan	420,000
HSBC VHIS Flexi Plan	Bronze: 5,000,000 Silver: 25,000,000 Gold: 30,000,000 Diamond: 40,000,000

Policy summary	Lifetime benefit limit (HKD)
HSBC VHIS Standard Plan	Nil
HSBC VHIS Flexi Plan	Bronze: 20,000,000 Silver / Gold / Diamond: Nil

Policy summary	Annual deductible (HKD)
HSBC VHIS Standard Plan	N/A
HSBC VHIS Flexi Plan	Nil / 16,000 / 50,000 / 100,000

Policy summary	Payment mode
HSBC VHIS Standard Plan	Annually
HSBC VHIS Flexi Plan	Annually or monthly

Policy summary	Geographical limit[@geographicaldefinitionvhisf]
HSBC VHIS Standard Plan	Worldwide
HSBC VHIS Flexi Plan	Bronze: Greater China Silver / Gold: Asia, Australia and New Zealand Diamond: Worldwide

Policy summary	Ward class
HSBC VHIS Standard Plan	No restrictions
HSBC VHIS Flexi Plan	Bronze: General ward Silver: Semi-private room Gold / Diamond: Standard private room

Yes, you'll be covered for all medically necessary treatments and eligible expenses for COVID-19, including those needing to treat adverse reactions to COVID-19 vaccinations. These cover expenses incurred for hospitalisation, day case procedures and prescribed diagnostic imaging tests in Hong Kong and elsewhere around the world, according to the benefit schedule of your VHIS Plan.

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)

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