Medical expense
Covers necessary medical expenses up to HKD 420,000 every year without any limit on the medical expenses you can claim in your lifetime.
Pre-existing conditions
Cover for pre-existing conditions that occurred before enrolment, subject to underwriting and an additional premium.
Psychiatric treatment and prescribed treatments for cancer
Includes psychiatric treatment and prescribed treatments for cancer such as radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
Claim a tax deduction on qualifying premiumsAny taxpayer who has purchased an eligible health insurance plan (certified by the Food and Health Bureau as VHIS) can claim a tax deduction on qualifying premiums up to HKD8,000 per insured person each year. The relationship between the taxpayer and the insured person must be included in the list of “specified relatives” in the Inland Revenue (Amendment)(No.8) Ordinance 2018 (which may change from time to time). The deduction is available for certified plans with policy effective date of 1 April 2019 or later. There is no limit on the number of insured persons and/or policies claimed by each taxpayer. Policies purchased for a domestic partner, grandchild(ren) or domestic partner’s parents/children are not eligible for tax deduction. For details, please check About VHIS tax deduction.
With VHIS Standard Plan certification, policy holders can claim a tax deduction on qualifying premiums. The limit is HKD 8,000 per qualified insured person each year.