{"id":19313,"date":"2025-02-07T11:37:11","date_gmt":"2025-02-07T03:37:11","guid":{"rendered":"https:\/\/www.pacificprime.com\/blog\/?p=19313"},"modified":"2025-12-17T13:31:50","modified_gmt":"2025-12-17T05:31:50","slug":"best-vhis-plans-in-hong-kong","status":"publish","type":"post","link":"https:\/\/www.pacificprime.com\/blog\/best-vhis-plans-in-hong-kong.html","title":{"rendered":"Top 5 VHIS Options in Hong Kong"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The top VHIS options in Hong Kong are from Cigna, Bupa, AXA, AIA, and Blue Cross. With the great variety of plans from these insurers, you can surely find the VHIS plan that meets your needs and fits your budget comfortably.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The <a href=\"https:\/\/www.pacificprime.com\/blog\/vhis-hong-kong.html\">Voluntary Health Insurance Scheme (VHIS)<\/a> offers certified hospitalization insurance plans for individuals, enhancing consumer protection with transparency and guaranteed renewals. VHIS plans represent a very viable choice for expats in addition to <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/international-health-insurance-expats-hong-kong\/\"><span style=\"font-weight: 400;\">international health insurance<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-73' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-73-new.css?v1.67' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-73-link CompareNowbutton\">\n  <div class=\"inserter-73-new\">\n    <div class=\"inserter-left-box\">\n        <h3>Kickstart Your Search for the Perfect Insurer<\/h3>        \n        <div class=\"inserter-compare-box\">\n            <p>Compare over <br>50,000 Plans <br>from Top Insurers<\/p>\n            <button >Compare NOW<\/button>\n        <\/div>\n    <\/div>\n    \n    \n    <div class=\"inserter-img-box\">\n        <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/mobile.png\" alt=\" \" class=\"banner-img-mobile\">            \n    <\/div>\n  <\/div>\n<\/a>\n\n<style>\n\n.inserter-73-new .inserter-img-box amp-img {right: -31%;}\n@media (max-width: 1199px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -20px;\n  }\n@media (max-width: 991px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    right: -10px;\n  }\n}\n@media (max-width: 768px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: auto;\n    width: 30%;\n  }\n}\n@media (max-width: 512px) {\n  .inserter-73-new .inserter-img-box amp-img {\n    height: 200px;\n  }\n}\n<\/style>\n\n<\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">5 Best VHIS Options in Hong Kong<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The 5 best VHIS options in Hong Kong (and some of these insurers are among the <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/top-hong-kong-insurance-companies-expats.html\"><span style=\"font-weight: 400;\">top insurers in Hong Kong for expats<\/span><\/a><span style=\"font-weight: 400;\">) are:<\/span><b><\/b><\/p>\n<ul>\n<li aria-level=\"1\"><b>Cigna<\/b><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Bupa<\/b><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>AXA<\/b><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>AIA<\/b><\/li>\n<\/ul>\n<ul>\n<li aria-level=\"1\"><b>Blue Cross<\/b><\/li>\n<\/ul>\n<p>Each of these five insurers has plans that will fulfill your healthcare needs while living within your budget, enabling you to <a href=\"https:\/\/www.pacificprime.com\/blog\/living-abroad-in-hong-kong.html\">make the most of your time in the Pearl of the Orient<\/a>. Let\u2019s look at them one by one in detail, exploring their plans\u2019 features, benefits, and coverage options.<b><\/b><\/p>\n<h2><span style=\"font-weight: 400;\">Cigna VHIS Series in Hong Kong<\/span><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.com\/blog\/cigna-insurance-hong-kong.html\"><span style=\"font-weight: 400;\">Cigna<\/span><\/a><span style=\"font-weight: 400;\"> offers a comprehensive range of VHIS plans designed to provide robust medical protection while ensuring affordability and flexibility. These plans are certified by the Hong Kong government and cater to various health needs, with coverage up to <\/span><b>HK$30 million<\/b><span style=\"font-weight: 400;\"> annually.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Key Features of <\/span><a href=\"https:\/\/www.cigna.com.hk\/en\/our-insurance-solutions\/vhis\/\"><span style=\"font-weight: 400;\">Cigna\u2019s VHIS plans<\/span><\/a><span style=\"font-weight: 400;\"> in Hong Kong include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Wide Entry Age Range<\/b><span style=\"font-weight: 400;\">: Applicants can be aged from 15 days to 80 years.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Guaranteed Renewal<\/b><span style=\"font-weight: 400;\">: Coverage is guaranteed up to age 100, ensuring long-term protection.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>No Lifetime Benefit Limit<\/b><span style=\"font-weight: 400;\">: Policyholders can access necessary medical services without worrying about affecting benefits available in future years.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Coverage for Pre-existing Conditions<\/b><span style=\"font-weight: 400;\">: Plans cover unknown pre-existing conditions from day one of the policy.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Extensive Treatment Options<\/b><span style=\"font-weight: 400;\">: All cancer treatment expenses, including non-surgical therapies, are fully covered.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Cigna offers the following plans to suit different needs:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Plan Type<\/b><\/td>\n<td><b>Flexi Plan (Superior)<\/b><\/td>\n<td><b>Flexi Plan (SMM)<\/b><\/td>\n<td><b>Standard Plan<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Annual Benefit Limit<\/b><\/td>\n<td><span style=\"font-weight: 400;\">HKD $30 million<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HKD $5 million<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HKD $1 million<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Deductible Options<\/b><\/td>\n<td><span style=\"font-weight: 400;\">HKD $0, $15,000, $25,000, $50,000, $75,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HKD $0, $15,000, $25,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HKD $0, $15,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Room Type<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Semi-private or Ward<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Standard Ward<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Standard Ward<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Policyholders are entitled to the following additional benefits:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cashless Medical Services<\/b><span style=\"font-weight: 400;\">: Streamlined process for hospital admissions and treatments.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cigna Care Manager<\/b><span style=\"font-weight: 400;\">: Personalized support from healthcare concierges to assist with medical needs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tax Deductible Premiums<\/b><span style=\"font-weight: 400;\">: Premiums are eligible for taxable income deductions up to <\/span><b>HKD $8,000<\/b><span style=\"font-weight: 400;\"> per insured person annually.<\/span><\/li>\n<\/ul>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-29' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_China_5.jpg\" alt=\"Blog Banner China 5\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Bupa VHIS Series in Hong Kong<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.bupa.com.hk\/en\/medical-insurance\/vhis-insurance\/\"><span style=\"font-weight: 400;\">VHIS plans from Bupa<\/span><\/a><span style=\"font-weight: 400;\"> include <\/span><b>MyBasic VHIS<\/b><span style=\"font-weight: 400;\">, <\/span><b>MyFlexi VHIS<\/b><span style=\"font-weight: 400;\">, and <\/span><b>Hero VHIS<\/b><span style=\"font-weight: 400;\">, each catering to different needs. These VHIS plans are designed to provide comprehensive coverage with a focus on customer flexibility and transparency.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The Bupa VHIS plan types are as follows:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Standard Plan<\/b><span style=\"font-weight: 400;\">: MyBasic VHIS<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Flexi Plans<\/b><span style=\"font-weight: 400;\">: MyFlexi VHIS, Hero VHIS<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Flexi plans come with additional features and customization options, allowing users to tailor their coverage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Key Features of Bupa Hero VHIS include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hospitalization\/Surgery Coverage<\/b><span style=\"font-weight: 400;\">: Full coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Pre-existing Conditions<\/b><span style=\"font-weight: 400;\">: No waiting period<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Coverage Start<\/b><span style=\"font-weight: 400;\">: Day 1<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Annual Benefit Limit<\/b><span style=\"font-weight: 400;\">: HKD $40 million<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lifetime Benefit Limit<\/b><span style=\"font-weight: 400;\">: Unlimited<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Optional Coverage<\/b><span style=\"font-weight: 400;\">: Outpatient, dental, obstetrics<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cashless Service<\/b><span style=\"font-weight: 400;\">: Available at no extra charge<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Despite the generous benefits and user-oriented services, these VHIS plans remain affordable:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>MyBasic VHIS<\/b><span style=\"font-weight: 400;\">: Starting at <\/span><b>HKD $149\/month<\/b><span style=\"font-weight: 400;\"> with a welcome discount of <\/span><b>20%<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>MyFlexi VHIS<\/b><span style=\"font-weight: 400;\">: Starting at <\/span><b>HKD $238\/month<\/b><span style=\"font-weight: 400;\">, offering savings of up to <\/span><b>60%<\/b><span style=\"font-weight: 400;\"> on the first-year premium over three years.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hero VHIS<\/b><span style=\"font-weight: 400;\">: Premiums begin at <\/span><b>HKD $136\/month<\/b><span style=\"font-weight: 400;\">, with discounts available.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Purchasing a VHIS-certified plan qualifies individuals for <\/span><a href=\"https:\/\/www.vhis.gov.hk\/en\/consumer_corner\/tax-deduction.html\"><span style=\"font-weight: 400;\">tax deductions<\/span><\/a><span style=\"font-weight: 400;\"> on premiums paid, making these plans financially attractive for both individuals and families.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-28' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_China_4.jpg\" alt=\"Blog Banner China 4\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">AXA VHIS-Certified Plans in Hong Kong<\/span><\/h2>\n<p><a href=\"https:\/\/www.pacificprime.com\/blog\/axa-hong-kong.html\"><span style=\"font-weight: 400;\">AXA<\/span><\/a><span style=\"font-weight: 400;\"> offers three comprehensive VHIS-certified medical insurance plans: <\/span><b>Smart Medicare<\/b><span style=\"font-weight: 400;\">, <\/span><b>WiseGuard Medical<\/b><span style=\"font-weight: 400;\">, and <\/span><b>WiseGuard Pro<\/b><span style=\"font-weight: 400;\">. Each plan is designed to cater to varying healthcare needs, providing flexibility and peace of mind.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">All <\/span><a href=\"https:\/\/www.axa.com.hk\/en\/vhis\"><span style=\"font-weight: 400;\">AXA VHIS plans<\/span><\/a><span style=\"font-weight: 400;\"> are tailored to meet diverse healthcare needs while ensuring financial stability against rising medical costs. Eligible taxpayers can claim up to <\/span><b>HKD $8,000<\/b><span style=\"font-weight: 400;\"> in taxable income deductions per insured person.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Smart Medicare<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Smart Medicare is available for individuals aged 14 days to 80 years, and it has <\/span><b>no lifetime benefit limit<\/b><span style=\"font-weight: 400;\"> with reimbursement for actual medical expenses until age 100. Moreover, renewal is guaranteed up to age 100 without premium increases due to claims.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There is no waiting period before coverage begins, and worldwide emergency support is included in the plan. Smart Medicare is available in 3 tiers, and the annual benefit limits are as follows:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Benefit Item<\/b><\/td>\n<td><b>Regular<\/b><\/td>\n<td><b>Superior<\/b><\/td>\n<td><b>Premier<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Room and Board<\/b><\/td>\n<td><span style=\"font-weight: 400;\">HKD $800\/day<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HKD $1,600\/day<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HKD $4,500\/day<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Miscellaneous Charges<\/b><\/td>\n<td><span style=\"font-weight: 400;\">HKD $14,000\/year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HKD $20,000\/year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HKD $35,000\/year<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Specialist Fee<\/b><\/td>\n<td><span style=\"font-weight: 400;\">HKD $4,300\/year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HKD $5,000\/year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HKD $10,000\/year<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Pre\/Post-Confinement Outpatient Care<\/b><\/td>\n<td><span style=\"font-weight: 400;\">HKD $580\/visit, max HKD $3,000\/year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HKD $780\/visit, max HKD $5,000\/year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HKD $980\/visit, max HKD $7,000\/year<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-27' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_China_3.jpg\" alt=\"Blog Banner China 3\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">WiseGuard Medical<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">WiseGuard Medical is open to individuals aged 14 days to 80 years. It also imposes <\/span><b>no lifetime benefit limit<\/b><span style=\"font-weight: 400;\"> and offers reimbursement until age 100. Renewal is guaranteed until age 100, with premiums adjusted based on the age of the insured. Local psychiatric treatments are also covered.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">WiseGuard Medical has the following annual benefit limits:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Benefit Item<\/b><\/td>\n<td><b>Limit<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Room and Board<\/b><\/td>\n<td><span style=\"font-weight: 400;\">HKD $750\/day<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Miscellaneous Charges<\/b><\/td>\n<td><span style=\"font-weight: 400;\">HKD $14,000\/year<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Specialist Fee<\/b><\/td>\n<td><span style=\"font-weight: 400;\">HKD $4,300\/year<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Pre\/Post-Confinement Outpatient Care<\/b><\/td>\n<td><span style=\"font-weight: 400;\">HKD $580\/visit, max HKD $3,000\/year<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span style=\"font-weight: 400;\">WiseGuard Pro<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Individuals from 14 days to 80 years are eligible for WiseGuard Pro, which provides comprehensive protection with <\/span><b>no lifetime limits<\/b><span style=\"font-weight: 400;\"> and annual benefit limits refreshed each year. Like the other plans, WiseGuard Pro guarantees renewal up to age 100.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Both inpatient and outpatient services are covered, with no waiting periods. The insured can further opt for supplementary major medical coverage. WiseGuard Pro offers the following annual benefit limits:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Benefit Item<\/b><\/td>\n<td><b>Limit<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Room and Board<\/b><\/td>\n<td><span style=\"font-weight: 400;\">HKD $800\/day<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Miscellaneous Charges<\/b><\/td>\n<td><span style=\"font-weight: 400;\">HKD $14,000\/year<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Specialist Fee<\/b><\/td>\n<td><span style=\"font-weight: 400;\">HKD $4,300\/year<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-26' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_China_2.jpg\" alt=\"Blog Banner China 2\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">AIA VHIS Options in Hong Kong<\/span><\/h2>\n<p><a href=\"https:\/\/www.aia.com.hk\/en\/products\/health\/voluntary-health-insurance-scheme\"><span style=\"font-weight: 400;\">AIA<\/span><\/a><span style=\"font-weight: 400;\"> offers three distinct VHIS plans, each tailored to meet varying medical needs and financial considerations: the <\/span><b>Standard Scheme (AVS)<\/b><span style=\"font-weight: 400;\">, the <\/span><b>Flexi Scheme (AVF)<\/b><span style=\"font-weight: 400;\">, and the <\/span><b>Privilege Ultra Scheme (AVPU)<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Each plan is crafted to provide quality medical coverage, ensuring peace of mind while maximizing tax benefits for policyholders.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Standard Scheme (AVS)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">AVS offers essential medical protection required by VHIS, with an annual benefits cap of <\/span><b>HKD $420,000<\/b><span style=\"font-weight: 400;\"> and no cap on lifetime benefits. People from 15 days to 80 years of age are eligible.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Premiums can be paid annually, semi-annually, quarterly, or monthly, and core benefits include inpatient care, diagnostic tests, and outpatient services with coverage for long-term treatments. Policyholders can claim taxable income deductions of up to <\/span><b>HKD $8,000<\/b><span style=\"font-weight: 400;\"> per insured person.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Flexi Scheme (AVF)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">AVF features <\/span><b>lifetime protection with guaranteed renewal<\/b><span style=\"font-weight: 400;\"> and <\/span><b>no annual or lifetime benefit limits<\/b><span style=\"font-weight: 400;\">. Individuals from 15 days up to 80 years of age are eligible to apply for coverage. Premium Payments can be made annually, semi-annually, quarterly, or monthly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">AVF Includes a <\/span><b>no-claim discount of up to 25%<\/b><span style=\"font-weight: 400;\"> for policyholders who remain claim-free for three consecutive years. Moreover, taxable income deduction benefits similar to those under AVS apply, allowing up to <\/span><b>HKD $32,000<\/b><span style=\"font-weight: 400;\"> in taxable income deductions for families with multiple insured persons.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Privilege Ultra Scheme (AVPU)<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">AVPU offers comprehensive medical protection with <\/span><b>no annual or lifetime benefit limits<\/b><span style=\"font-weight: 400;\">. Similarly, individuals from 15 days to 80 years old can apply for coverage, and premiums can be paid annually, semi-annually, quarterly, or monthly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Moreover, AVPU offers additional benefits including Personal Medical Case Management and supplemental major medical benefits. Similar to other plans, premiums are eligible for taxable income deductions of up to <\/span><b>HKD $8,000<\/b><span style=\"font-weight: 400;\"> per insured person annually.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The following table summarizes the key differences between the 3 plans described above:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Feature<\/b><\/td>\n<td><b>AVS<\/b><\/td>\n<td><b>AVF<\/b><\/td>\n<td><b>AVPU<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Additional Benefits<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Essential coverage only<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Supplemental major benefits<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Extensive, including case management<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>No-Claim Discount<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Not applicable<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Up to 25% for claim-free years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Not applicable<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Premium Discounts<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Standard pricing<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10% first-year discount for Vitality members<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Initial discounts for AIA Vitality members<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-25' style='margin: 8px 0; clear: both;'>\n<p><button class=\"mo-modal-open\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-4633\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/Blog-Banner_China_1.jpg\" alt=\"Blog Banner China 1\" width=\"1138\" height=\"493\" \/><\/button><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Blue Cross VHIS Options in Hong Kong<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Blue Cross offers four comprehensive VHIS plans \u2013 <\/span><a href=\"https:\/\/www.bluecross.com.hk\/en\/CareForYou-VHIS-Standard\/Information\"><span style=\"font-weight: 400;\">CareForYou Standard Plan<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.bluecross.com.hk\/en\/CareForYou-VHIS-Super-Flexi\/Information\"><span style=\"font-weight: 400;\">CareForYou Super Flexi Plan<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.bluecross.com.hk\/love-yourself-vhis\/en\/learn-page\"><span style=\"font-weight: 400;\">Love Yourself VHIS Plan<\/span><\/a><span style=\"font-weight: 400;\">, and <\/span><a href=\"https:\/\/www.bluecross.com.hk\/en\/Dynasty-VHIS\/Information\"><span style=\"font-weight: 400;\">Dynasty VHIS Plan<\/span><\/a><span style=\"font-weight: 400;\">. Each plan is tailored with unique features, coverage limits, and benefits, ensuring a suitable option for individuals and families.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In particular, an absence of restrictions on healthcare providers means enhanced convenience for policyholders <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/best-places-to-live-in-hong-kong.html\"><span style=\"font-weight: 400;\">wherever they live in Hong Kong<\/span><\/a><span style=\"font-weight: 400;\">. The following table is a succinct summary of the plans from Blue Cross:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><\/td>\n<td><b>CareForYou Standard Plan<\/b><\/td>\n<td><b>CareForYou Super Flexi Plan<\/b><\/td>\n<td><b>Blue Cross Love Yourself VHIS Plan<\/b><\/td>\n<td><b>Blue Cross Dynasty VHIS Plan<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>Coverage Type<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Indemnity with non-indemnity cash benefits<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Indemnity with added non-indemnity cash benefits<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Indemnity with non-indemnity cash benefits<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Indemnity with non-indemnity cash benefits<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Annual Benefit Limit<\/b><\/td>\n<td><span style=\"font-weight: 400;\">HKD $420,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HKD $420,000 to $830,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HKD $6,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HKD $10,000,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Lifetime Benefit Limit<\/b><\/td>\n<td><span style=\"font-weight: 400;\">None<\/span><\/td>\n<td><span style=\"font-weight: 400;\">None<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HKD $40,000,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HKD $48,000,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Annual Deductible Options<\/b><\/td>\n<td><span style=\"font-weight: 400;\">None<\/span><\/td>\n<td><span style=\"font-weight: 400;\">None<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HKD $0, $20,000, $40,000, or $80,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">HKD $0, $20,000, $40,000, or $80,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Enrolment Age<\/b><\/td>\n<td><span style=\"font-weight: 400;\">15 days to 80 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">15 days to 80 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">12 days to 80 years (optional outpatient and dental benefits for ages up to 70)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">12 days to 80 years<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Period of Cover<\/b><\/td>\n<td><span style=\"font-weight: 400;\">1 year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1 year<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Policy Renewal<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Guaranteed annual renewal up to age 100<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Guaranteed annual renewal for life<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Guaranteed annual renewal for life<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Guaranteed annual renewal for life<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Ward Class<\/b><\/td>\n<td><span style=\"font-weight: 400;\">No restrictions<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No restrictions, except for supplementary medical benefits<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ward and\/or semi-private room based on selected plan level<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Semi-private room for confinement in HK, Macau, or Mainland China; private room for confinement elsewhere<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Healthcare Providers<\/b><\/td>\n<td><span style=\"font-weight: 400;\">No restrictions<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No restrictions<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No restrictions<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No restrictions<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Payment Options<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Annual, semi-annual, quarterly, and monthly<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Annual, semi-annual, quarterly, and monthly<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Annual, semi-annual, quarterly, and monthly<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Annual, semi-annual, quarterly, and monthly<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Cooling-off Period<\/b><\/td>\n<td><span style=\"font-weight: 400;\">21 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">21 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">21 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">21 days<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">What is the Voluntary Health Insurance Scheme (VHIS)?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The VHIS is a policy initiative by the Hong Kong Government to oversee and certify indemnity hospital insurance plans provided by participating insurers to individuals. Participation from both insurance companies and consumers is optional.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What distinguishes Certified VHIS Plans from other individual indemnity hospitalization insurance plans?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Certified VHIS Plans receive official certification from the <\/span><a href=\"https:\/\/www.healthbureau.gov.hk\/\"><span style=\"font-weight: 400;\">Health Bureau<\/span><\/a><span style=\"font-weight: 400;\">, indicating they meet specific standard features for enhanced consumer protection. These include standardized policy terms and conditions, guaranteed renewal up to age 100, and more extensive benefit coverage.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Are the premiums of Certified VHIS Plans overseen by the Health Bureau?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The Health Bureau does not oversee the premiums of Certified VHIS Plans. However, participating insurers must publish their premium tables for these plans. The premium tables for all Certified VHIS Plans can be found on the official <\/span><a href=\"https:\/\/www.vhis.gov.hk\/en\/\"><span style=\"font-weight: 400;\">VHIS website<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span data-sheets-root=\"1\"><div class='code-block code-block-72' style='margin: 8px 0; clear: both;'>\n<link rel='stylesheet' href='https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/css\/compare-72-new.css?v1.47' type='text\/css' media='all'\/>\n<a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one-name\/?campSource=PP-Blog&utm_campaign=Blog\" class=\"inserter-72-link CompareNowbutton\">\n        <div class=\"inserter-72-new\">\n            <h3>Start by Comparing <br>Insurance Plans Online<\/h3>\n            <div class=\"inserter-img-box\">\n                <img decoding=\"async\" src=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/themes\/readable-child\/blog-banner\/compare-box\/img\/desktop.png\" alt=\" \">\n            <\/div>\n            <div class=\"inserter-compare-box\">\n                <p>Browse and Compare 50,000+ <br>International Health Plans<\/p>\n                <button>Compare NOW<\/button>\n            <\/div>\n        <\/div>\n    <\/a><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Conclusion<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In this article, we examined the plans from the top 5 VHIS insurers in Hong Kong. Our goal is to help you understand how their VHIS plans differ from one another, so you can choose the best option to protect your health if you are a resident or expat based in Hong Kong.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">We understand that many would find it a daunting task to pick the best plan among the myriad of plans on the market. We also know that the ideal health plan for you may not even be a VHIS plan, but an <\/span><a href=\"https:\/\/www.pacificprime.com\/country\/international-health-insurance-expats-hong-kong\/\"><span style=\"font-weight: 400;\">international health insurance<\/span><\/a><span style=\"font-weight: 400;\"> plan from one of the <\/span><a href=\"https:\/\/www.pacificprime.com\/blog\/top-hong-kong-insurance-companies-expats.html\"><span style=\"font-weight: 400;\">top insurers for expats<\/span><\/a><span style=\"font-weight: 400;\"> after all.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But fret not, we are here to help! For <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">international health<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/international-health-insurance-plan\/\"><span style=\"font-weight: 400;\">expat health<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/family\/\"><span style=\"font-weight: 400;\">family health<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/maternity\/\"><span style=\"font-weight: 400;\">maternity<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.pacificprime.com\/health-insurance-plans\/travel-insurance-and-short-term-health-insurance-for-expats\/\"><span style=\"font-weight: 400;\">travel<\/span><\/a><span style=\"font-weight: 400;\">, and other insurance needs, our extensive expertise and global experience enable us to tailor a solution for your needs and budget, ensuring you get the <\/span><b>best value<\/b><span style=\"font-weight: 400;\"> for your money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">What\u2019s more, you can benefit from our advice and support at <\/span><b>no extra cost<\/b><span style=\"font-weight: 400;\">! So <\/span><a href=\"https:\/\/www.pacificprime.com\/contact-us\/\"><span style=\"font-weight: 400;\">contact us<\/span><\/a><span style=\"font-weight: 400;\"> for a consultation, quote, or a FREE, no-strings-attached <\/span><a href=\"https:\/\/www.pacificprime.com\/compare-quotes\/step-one\/\"><span style=\"font-weight: 400;\">plan comparison<\/span><\/a><span style=\"font-weight: 400;\">, today!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The top VHIS options in Hong Kong are from Cigna, Bupa, AXA, AIA, and Blue Cross. With the great variety of plans from these insurers, you can surely find the VHIS plan that meets your needs and fits your budget comfortably. The Voluntary Health Insurance Scheme (VHIS) offers certified hospitalization insurance plans for individuals, enhancing &#8230;<\/p>\n","protected":false},"author":63,"featured_media":19314,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"categories":[570,217],"tags":[],"class_list":["post-19313","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health","category-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Top 5 VHIS Options in Hong Kong<\/title>\n<meta name=\"description\" content=\"The top VHIS options in Hong Kong are from Cigna, Bupa, AXA, AIA, and Blue Cross. We look at their plan offerings in detail.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.com\/blog\/best-vhis-plans-in-hong-kong.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Top 5 VHIS Options in Hong Kong\" \/>\n<meta property=\"og:description\" content=\"The top VHIS options in Hong Kong are from Cigna, Bupa, AXA, AIA, and Blue Cross. We look at their plan offerings in detail.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.com\/blog\/best-vhis-plans-in-hong-kong.html\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime&#039;s Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pacificprime\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-07T03:37:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-17T05:31:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.pacificprime.com\/blog\/wp-content\/uploads\/passersby-near-a-scenic-bridge-in-tsim-sha-tsui-hong-kong.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1300\" \/>\n\t<meta property=\"og:image:height\" content=\"731\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Martin Lee\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Martin Lee\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/best-vhis-plans-in-hong-kong.html#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/best-vhis-plans-in-hong-kong.html\"},\"author\":{\"name\":\"Martin Lee\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#\\\/schema\\\/person\\\/4c81964f9e27fc4c28ae50db1505e935\"},\"headline\":\"Top 5 VHIS Options in Hong Kong\",\"datePublished\":\"2025-02-07T03:37:11+00:00\",\"dateModified\":\"2025-12-17T05:31:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/best-vhis-plans-in-hong-kong.html\"},\"wordCount\":1877,\"publisher\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/best-vhis-plans-in-hong-kong.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/passersby-near-a-scenic-bridge-in-tsim-sha-tsui-hong-kong.webp\",\"articleSection\":[\"Health\",\"Insurance\"],\"inLanguage\":\"en\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/best-vhis-plans-in-hong-kong.html\",\"url\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/best-vhis-plans-in-hong-kong.html\",\"name\":\"Top 5 VHIS Options in Hong Kong\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/best-vhis-plans-in-hong-kong.html#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/best-vhis-plans-in-hong-kong.html#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.pacificprime.com\\\/blog\\\/wp-content\\\/uploads\\\/passersby-near-a-scenic-bridge-in-tsim-sha-tsui-hong-kong.webp\",\"datePublished\":\"2025-02-07T03:37:11+00:00\",\"dateModified\":\"2025-12-17T05:31:50+00:00\",\"description\":\"The top VHIS options in Hong Kong are from Cigna, Bupa, AXA, AIA, and Blue Cross. 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