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Voluntary Health Insurance Scheme (VHIS)

The Voluntary Health Insurance Scheme (VHIS) took effect on 1 April 2019. There are two certified plans, Standard Plan and Flexi Plan. Compare the pros and cons and pick the plan that suits you best.

Key Features of VHIS

Renewal up
to age 100
Tax
Deduction
Extended
Coverage
We are not liable for any loss or harm as a result of the use of any third party websites.

Premiums for VHIS Standard Plans (HKD)

Age selection (New Application)
Age
Male / Female
0
2,040 / 1,752
1
1,932 / 1,632
2
1,800 / 1,500
3
1,680 / 1,392
4
1,572 / 1,272
5
1,476 / 1,200
6
1,344 / 1,140
7
1,212 / 1,092
8
1,128 / 1,056
9
1,080 / 1,032
10
1,044 / 1,032
11
1,044 / 1,044
12
1,056 / 1,080
13
1,068 / 1,116
14
1,080 / 1,152
15
1,092 / 1,188
16
1,116 / 1,236
17
1,128 / 1,272
18
1,128 / 1,296
19
1,128 / 1,332
20
1,140 / 1,356
21
1,176 / 1,392
22
1,212 / 1,440
23
1,248 / 1,488
24
1,296 / 1,548
25
1,332 / 1,608
26
1,380 / 1,692
27
1,428 / 1,764
28
1,452 / 1,836
29
1,476 / 1,908
30
1,512 / 1,956
31
1,560 / 2,016
32
1,620 / 2,112
33
1,668 / 2,196
34
1,728 / 2,292
35
1,788 / 2,400
36
1,848 / 2,496
37
1,896 / 2,592
38
1,944 / 2,676
39
1,992 / 2,748
40
2,112 / 2,868
41
2,220 / 2,988
42
2,340 / 3,132
43
2,460 / 3,264
44
2,568 / 3,384
45
2,688 / 3,480
46
2,808 / 3,576
47
2,916 / 3,648
48
3,036 / 3,744
49
3,168 / 3,828
50
3,300 / 3,924
51
3,444 / 3,996
52
3,588 / 4,080
53
3,768 / 4,152
54
3,960 / 4,236
55
4,164 / 4,332
56
4,368 / 4,440
57
4,656 / 4,572
58
4,848 / 4,704
59
5,040 / 4,860
60
5,388 / 5,184
61
5,736 / 5,544
62
6,144 / 5,844
63
6,540 / 6,204
64
6,936 / 6,552
65
7,332 / 6,876
66
7,704 / 7,260
67
7,968 / 7,572
68
8,292 / 7,896
69
8,796 / 8,220
70
9,156 / 8,556
71
9,516 / 8,904
72
9,900 / 9,264
73
10,296 / 9,636
74
10,704 / 10,020
75
11,136 / 10,416
76
11,460 / 10,728
77
11,688 / 10,944
78
11,928 / 11,160
79
12,168 / 11,388
80
12,408 / 11,616
0
2,958 / 2,958
1
2,958 / 2,958
2
2,958 / 2,958
3
2,958 / 2,958
4
2,958 / 2,958
5
2,958 / 2,958
6
2,958 / 2,958
7
2,958 / 2,958
8
2,958 / 2,958
9
2,958 / 2,958
10
2,958 / 2,958
11
2,958 / 2,958
12
2,958 / 2,958
13
2,958 / 2,958
14
2,958 / 2,958
15
2,958 / 2,958
16
2,958 / 2,958
17
2,958 / 2,958
18
2,192 / 2,192
19
2,217 / 2,217
20
2,242 / 2,242
21
2,268 / 2,268
22
2,300 / 2,300
23
2,336 / 2,336
24
2,377 / 2,377
25
2,423 / 2,423
26
2,475 / 2,475
27
2,535 / 2,535
28
2,605 / 2,605
29
2,685 / 2,685
30
2,775 / 2,775
31
2,878 / 2,878
32
2,993 / 2,993
33
3,124 / 3,124
34
3,270 / 3,270
35
3,427 / 3,427
36
3,594 / 3,594
37
3,770 / 3,770
38
3,956 / 3,956
39
4,154 / 4,154
40
4,364 / 4,364
41
4,586 / 4,586
42
4,817 / 4,817
43
5,056 / 5,056
44
5,300 / 5,300
45
5,549 / 5,549
46
5,802 / 5,802
47
6,060 / 6,060
48
6,320 / 6,320
49
6,584 / 6,584
50
6,852 / 6,852
51
7,120 / 7,120
52
7,391 / 7,391
53
7,664 / 7,664
54
7,946 / 7,946
55
8,238 / 8,238
56
8,543 / 8,543
57
8,868 / 8,868
58
9,223 / 9,223
59
9,610 / 9,610
60
15,063 / 15,063
61
15,761 / 15,761
62
16,497 / 16,497
63
17,270 / 17,270
64
18,077 / 18,077
65
18,921 / 18,921
66
19,787 / 19,787
67
20,670 / 20,670
68
21,539 / 21,539
69
22,355 / 22,355
70
30,736 / 30,736
71
31,568 / 31,568
72
32,308 / 32,308
73
32,984 / 32,984
74
33,590 / 33,590
75
34,132 / 34,132
76
34,606 / 34,606
77
35,014 / 35,014
78
35,356 / 35,356
79
35,630 / 35,630
80
35,834 / 35,834
0
2,996 / 2,177
1
2,996 / 2,177
2
2,996 / 2,177
3
2,996 / 2,177
4
1,363 / 1,525
5
1,363 / 1,525
6
1,363 / 1,525
7
1,363 / 1,525
8
1,363 / 1,525
9
1,363 / 1,525
10
1,363 / 1,525
11
1,363 / 1,525
12
1,363 / 1,525
13
1,363 / 1,525
14
1,363 / 1,525
15
1,400 / 1,613
16
1,471 / 1,696
17
1,484 / 1,760
18
1,492 / 1,821
19
1,501 / 1,875
20
1,566 / 1,921
21
1,574 / 1,956
22
1,606 / 1,995
23
1,638 / 2,060
24
1,693 / 2,121
25
1,738 / 2,234
26
1,782 / 2,284
27
1,842 / 2,338
28
1,886 / 2,393
29
1,949 / 2,450
30
1,993 / 2,576
31
2,041 / 2,639
32
2,087 / 2,709
33
2,150 / 2,778
34
2,230 / 2,856
35
2,289 / 3,012
36
2,326 / 3,090
37
2,400 / 3,172
38
2,471 / 3,255
39
2,540 / 3,343
40
2,643 / 3,517
41
2,707 / 3,628
42
2,829 / 3,764
43
2,966 / 3,909
44
3,120 / 4,060
45
3,274 / 4,203
46
3,428 / 4,351
47
3,578 / 4,501
48
3,755 / 4,648
49
3,899 / 4,804
50
4,104 / 4,941
51
4,320 / 5,085
52
4,544 / 5,235
53
4,781 / 5,393
54
5,028 / 5,561
55
5,321 / 5,766
56
5,557 / 5,989
57
5,848 / 6,211
58
6,142 / 6,451
59
6,440 / 6,735
60
6,736 / 7,068
61
7,108 / 7,417
62
7,491 / 7,765
63
7,883 / 8,117
64
8,374 / 8,457
65
8,833 / 8,803
66
9,322 / 9,171
67
9,841 / 9,563
68
10,385 / 9,975
69
10,953 / 10,405
70
11,532 / 10,839
71
12,115 / 11,271
72
12,702 / 11,696
73
13,168 / 12,108
74
13,568 / 12,507
75
13,894 / 12,839
76
14,263 / 13,161
77
14,561 / 13,483
78
14,815 / 13,800
79
15,180 / 14,121
80
15,744 / 14,638
Age
Male / Female
0
2,040 / 1,752
1
1,932 / 1,632
2
1,800 / 1,500
3
1,680 / 1,392
4
1,572 / 1,272
5
1,476 / 1,200
6
1,344 / 1,140
7
1,212 / 1,092
8
1,128 / 1,056
9
1,080 / 1,032
10
1,044 / 1,032
11
1,044 / 1,044
12
1,056 / 1,080
13
1,068 / 1,116
14
1,080 / 1,152
15
1,092 / 1,188
16
1,116 / 1,236
17
1,128 / 1,272
18
1,128 / 1,296
19
1,128 / 1,332
20
1,140 / 1,356
21
1,176 / 1,392
22
1,212 / 1,440
23
1,248 / 1,488
24
1,296 / 1,548
25
1,332 / 1,608
26
1,380 / 1,692
27
1,428 / 1,764
28
1,452 / 1,836
29
1,476 / 1,908
30
1,512 / 1,956
31
1,560 / 2,016
32
1,620 / 2,112
33
1,668 / 2,196
34
1,728 / 2,292
35
1,788 / 2,400
36
1,848 / 2,496
37
1,896 / 2,592
38
1,944 / 2,676
39
1,992 / 2,748
40
2,112 / 2,868
41
2,220 / 2,988
42
2,340 / 3,132
43
2,460 / 3,264
44
2,568 / 3,384
45
2,688 / 3,480
46
2,808 / 3,576
47
2,916 / 3,648
48
3,036 / 3,744
49
3,168 / 3,828
50
3,300 / 3,924
51
3,444 / 3,996
52
3,588 / 4,080
53
3,768 / 4,152
54
3,960 / 4,236
55
4,164 / 4,332
56
4,368 / 4,440
57
4,656 / 4,572
58
4,848 / 4,704
59
5,040 / 4,860
60
5,388 / 5,184
61
5,736 / 5,544
62
6,144 / 5,844
63
6,540 / 6,204
64
6,936 / 6,552
65
7,332 / 6,876
66
7,704 / 7,260
67
7,968 / 7,572
68
8,292 / 7,896
69
8,796 / 8,220
70
9,156 / 8,556
71
9,516 / 8,904
72
9,900 / 9,264
73
10,296 / 9,636
74
10,704 / 10,020
75
11,136 / 10,416
76
11,460 / 10,728
77
11,688 / 10,944
78
11,928 / 11,160
79
12,168 / 11,388
80
12,408 / 11,616
0
2,958 / 2,958
1
2,958 / 2,958
2
2,958 / 2,958
3
2,958 / 2,958
4
2,958 / 2,958
5
2,958 / 2,958
6
2,958 / 2,958
7
2,958 / 2,958
8
2,958 / 2,958
9
2,958 / 2,958
10
2,958 / 2,958
11
2,958 / 2,958
12
2,958 / 2,958
13
2,958 / 2,958
14
2,958 / 2,958
15
2,958 / 2,958
16
2,958 / 2,958
17
2,958 / 2,958
18
2,192 / 2,192
19
2,217 / 2,217
20
2,242 / 2,242
21
2,268 / 2,268
22
2,300 / 2,300
23
2,336 / 2,336
24
2,377 / 2,377
25
2,423 / 2,423
26
2,475 / 2,475
27
2,535 / 2,535
28
2,605 / 2,605
29
2,685 / 2,685
30
2,775 / 2,775
31
2,878 / 2,878
32
2,993 / 2,993
33
3,124 / 3,124
34
3,270 / 3,270
35
3,427 / 3,427
36
3,594 / 3,594
37
3,770 / 3,770
38
3,956 / 3,956
39
4,154 / 4,154
40
4,364 / 4,364
41
4,586 / 4,586
42
4,817 / 4,817
43
5,056 / 5,056
44
5,300 / 5,300
45
5,549 / 5,549
46
5,802 / 5,802
47
6,060 / 6,060
48
6,320 / 6,320
49
6,584 / 6,584
50
6,852 / 6,852
51
7,120 / 7,120
52
7,391 / 7,391
53
7,664 / 7,664
54
7,946 / 7,946
55
8,238 / 8,238
56
8,543 / 8,543
57
8,868 / 8,868
58
9,223 / 9,223
59
9,610 / 9,610
60
15,063 / 15,063
61
15,761 / 15,761
62
16,497 / 16,497
63
17,270 / 17,270
64
18,077 / 18,077
65
18,921 / 18,921
66
19,787 / 19,787
67
20,670 / 20,670
68
21,539 / 21,539
69
22,355 / 22,355
70
30,736 / 30,736
71
31,568 / 31,568
72
32,308 / 32,308
73
32,984 / 32,984
74
33,590 / 33,590
75
34,132 / 34,132
76
34,606 / 34,606
77
35,014 / 35,014
78
35,356 / 35,356
79
35,630 / 35,630
80
35,834 / 35,834
0
2,996 / 2,177
1
2,996 / 2,177
2
2,996 / 2,177
3
2,996 / 2,177
4
1,363 / 1,525
5
1,363 / 1,525
6
1,363 / 1,525
7
1,363 / 1,525
8
1,363 / 1,525
9
1,363 / 1,525
10
1,363 / 1,525
11
1,363 / 1,525
12
1,363 / 1,525
13
1,363 / 1,525
14
1,363 / 1,525
15
1,400 / 1,613
16
1,471 / 1,696
17
1,484 / 1,760
18
1,492 / 1,821
19
1,501 / 1,875
20
1,566 / 1,921
21
1,574 / 1,956
22
1,606 / 1,995
23
1,638 / 2,060
24
1,693 / 2,121
25
1,738 / 2,234
26
1,782 / 2,284
27
1,842 / 2,338
28
1,886 / 2,393
29
1,949 / 2,450
30
1,993 / 2,576
31
2,041 / 2,639
32
2,087 / 2,709
33
2,150 / 2,778
34
2,230 / 2,856
35
2,289 / 3,012
36
2,326 / 3,090
37
2,400 / 3,172
38
2,471 / 3,255
39
2,540 / 3,343
40
2,643 / 3,517
41
2,707 / 3,628
42
2,829 / 3,764
43
2,966 / 3,909
44
3,120 / 4,060
45
3,274 / 4,203
46
3,428 / 4,351
47
3,578 / 4,501
48
3,755 / 4,648
49
3,899 / 4,804
50
4,104 / 4,941
51
4,320 / 5,085
52
4,544 / 5,235
53
4,781 / 5,393
54
5,028 / 5,561
55
5,321 / 5,766
56
5,557 / 5,989
57
5,848 / 6,211
58
6,142 / 6,451
59
6,440 / 6,735
60
6,736 / 7,068
61
7,108 / 7,417
62
7,491 / 7,765
63
7,883 / 8,117
64
8,374 / 8,457
65
8,833 / 8,803
66
9,322 / 9,171
67
9,841 / 9,563
68
10,385 / 9,975
69
10,953 / 10,405
70
11,532 / 10,839
71
12,115 / 11,271
72
12,702 / 11,696
73
13,168 / 12,108
74
13,568 / 12,507
75
13,894 / 12,839
76
14,263 / 13,161
77
14,561 / 13,483
78
14,815 / 13,800
79
15,180 / 14,121
80
15,744 / 14,638

Key Features

  1. Claims Assistant: A person assist in submitting online claims and making estimation for claims, and following up the claims process.
  2. BowtieCash Scheme: The first reward scheme in Hong Kong to fill the gap between medical expenses and claim settlement
  3. Qualified doctors and nurses: Provide professional second medical opinion, explain medical treatment details, and provide hospital and health information
  1. 24-hour telephone support
  2. myBupa online customer service portal allow you to manage your policy
  3. All claims settled within 5-7 working days after receiving full documentation
  1. 24 hours hotline service
  2. FWD eServices mobile app allow you to manage FWD insurance account

Key Features

  1. Claims Assistant: A person assist in submitting online claims and making estimation for claims, and following up the claims process.
  2. BowtieCash Scheme: The first reward scheme in Hong Kong to fill the gap between medical expenses and claim settlement
  3. Qualified doctors and nurses: Provide professional second medical opinion, explain medical treatment details, and provide hospital and health information
  1. 24-hour telephone support
  2. myBupa online customer service portal allow you to manage your policy
  3. All claims settled within 5-7 working days after receiving full documentation
  1. 24 hours hotline service
  2. FWD eServices mobile app allow you to manage FWD insurance account

Other Benefit

Total and permanent incapacity income benefit(6)
- $500 per Week
- Payable for 52 weeks

----

Worldwide support service(7)

Other Benefit

Total and permanent incapacity income benefit(6)
- $500 per Week
- Payable for 52 weeks

----

Worldwide support service(7)

Benefit Items(1)
Benefit Limit (HKD)

Plan Name

Bowtie VHIS Standard

Bupa MyBasic VHIS Plan

VChoice Voluntary Health Insurance Plan

Plan Name

Bowtie VHIS Standard

Bupa MyBasic VHIS Plan

VChoice Voluntary Health Insurance Plan

Product Brochure

----

Bupa Product Brochure

FWD Product Brochure

Product Brochure

----

Bupa Product Brochure

FWD Product Brochure

Policy Provisions

Bowtie Policy Provisions

Bupa Policy Provisions

FWD Policy Provisions

Policy Provisions

Bowtie Policy Provisions

Bupa Policy Provisions

FWD Policy Provisions

VHIS Certification Number

S00023-01-000-01

S00020-01-000-01

S00012-01-000-01

VHIS Certification Number

S00023-01-000-01

S00020-01-000-01

S00012-01-000-01

Note

(1) Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above.
(2) VHIS Provider shall have the right to ask for proof of recommendation e.g. written referral or testifying statement on the claim form by the attending doctor or Registered Medical Practitioner.
(3) Tests covered here only include computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined.
(4) Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
(5) The percentage here applies to the Surgeon's fee actually payable or the benefit limit for the Surgeon's fee according to the surgical categorisation, whichever is the lower.
(6) Please refer to the policy for details
(7) If you have an Accident or sufer an illness whilst abroad, your needs will be well taken care of with the Worldwide Emergency Assistance. All you need to do is call the 24-hour emergency assistance hotline to enjoy round-the-clock worldwide support and assistance that includes phone medical advice, emergency medical evacuation and repatriation of mortal remains, etc.
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