VHIS Flexi Plan

Safeguard your health with comprehensive protection for fighting the pandemic. Our Flexi Plan - an individual indemnity hospital insurance plan certified under the Voluntary Health Insurance Scheme (VHIS) - keeps you covered extensively including not only vital healthcare coverage under our VHIS Standard Plan, but also eligible expenses on the treatments of COVID-19 infection as well as the adverse reactions to COVID-19 vaccinations¹⁴, and you can enjoy tax deductions too.

Get peace of mind with all-round medical coverage

Get full medical coverage¹ immediately, including those arising from unknown pre-existing conditions²
Ease your worries about any upfront out-of-pocket medical expenses in Hong Kong with cashless arrangements³
Choose from 4 different plans, 3 geographical coverage and 4 annual deductible options
Claim a maximum annual tax deduction⁴ of HKD8,000 for each insured person. For more details, please refer to www.ird.gov.hk

Select from different plan options to meet your needs.
	Bronze	Silver	Gold	Diamond
Issue age⁵	15 days to age 80	15 days to age 80	15 days to age 80	15 days to age 80
Policy term	Guaranteed renewable annually up to age⁵ 100 of the insured person	Guaranteed renewable annually up to age⁵ 100 of the insured person	Guaranteed renewable annually up to age⁵ 100 of the insured person	Guaranteed renewable annually up to age⁵ 100 of the insured person
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
Annual benefit limit per policy year (HKD)	5,000,000 per policy year	25,000,000 per policy year	30,000,000 per policy year	40,000,000 per policy year
Lifetime benefit limit (HKD)	$20,000,000 per Policy	Nil	Nil	Nil
Geographical limitation⁶	Greater China	Asia, Australia and New Zealand	Asia, Australia and New Zealand	Worldwide
Entitled ward class	General ward	Semi-private room	Standard private room	Standard private room

Select from different plan options to meet your needs.
	Issue age⁵
Bronze	15 days to age 80
Silver	15 days to age 80
Gold	15 days to age 80
Diamond	15 days to age 80

	Policy term
Bronze	Guaranteed renewable annually up to age⁵ 100 of the insured person
Silver	Guaranteed renewable annually up to age⁵ 100 of the insured person
Gold	Guaranteed renewable annually up to age⁵ 100 of the insured person
Diamond	Guaranteed renewable annually up to age⁵ 100 of the insured person

	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

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

	Lifetime benefit limit (HKD)
Bronze	$20,000,000 per Policy
Silver	Nil
Gold	Nil
Diamond	Nil

	Geographical limitation⁶
Bronze	Greater China
Silver	Asia, Australia and New Zealand
Gold	Asia, Australia and New Zealand
Diamond	Worldwide

	Entitled ward class
Bronze	General ward
Silver	Semi-private room
Gold	Standard private room
Diamond	Standard private room

For more details, please refer to the product brochure.

How does it work

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Apply online

Get a quote and apply now This link will open in a new window Apply with pre-filled information This link will open in a new window

Apply via hotline

(852) 2233 3130

*(Monday to Friday from 11:00am to 7:30pm except public holidays)

Or meet with us

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HSBC Jade and Premier customers

Contact your Relationship Manager

More offers:

Earn up to an extra $6,000 RewardCash!

Pay new policy’s premium to HSBC Life with HSBC Premier Mastercard® Credit Card* to enjoy the offer.
Offer ends 30 June 2022. T&Cs apply.

Why do you need VHIS?

Don’t wait till you are ill. There’s something crucial about having all-round healthcare protection you should know. Check out the interactive quiz in 3 minutes and get your personalised quote!

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Extra features

All-round coverage with cashless arrangements

Get fully covered¹ for hospitalisation and surgical fees without any sub-limits
Be insured for eligible cancer treatment expenses, both surgical and non-surgical
Rest easy with home nursing services for up to 90 days
Enjoy additional benefits such as medical implants and rehabilitation benefits for greater coverage

Value-added services

Reserve immediate treatment at over 200 designated hospitals in mainland China⁷
Get a second medical opinion⁸ if you're diagnosed with any of the critical illnesses covered in your policy
Find help through the worldwide emergency assistance service⁹ provided by our partner, AXA Assistance
Enjoy our Medical Concierge Service¹⁰ and a complimentary round-trip limousine service for in-patient treatment in Hong Kong for HSBC VHIS Flexi Plan (Diamond level)

Family and no-claim discounts

Get a 10% premium discount if you apply together with your family or if they're already members of the policy
Enjoy a no-claim discount¹¹ if you haven't made a claim under your policy for 3 or more consecutive policy years

See how people around you benefit from this plan

Family playing at park; image used for HSBC VHIS Flexi Plan.

Policyholder and insured person: Chris
Issue age⁵: 45
Benefit level: Bronze
Annual benefit limit: HKD5,000,000
Annual deductible amount: HKD16,000
Annual premium: HKD8,259

6 months ago, Chris suffered an ankle fracture from a football game. He made a reimbursement claim of HKD50,000 from his HSBC VHIS Flexi Plan coverage for his ankle fracture and bone fixation surgery at Hong Kong Baptist Hospital (HKBH). He was fully reimbursed for HKD34,000 after applying the deductible of HKD16,000 for the claims.

Now, Chris' doctor (who is on the HSBC Life network doctor list) is advising him to remove the bone fixation devices. Chris can apply for pre-authorisation and the Cashless Arrangement service with these simple steps:
Book appointment	Chris calls the medical claims service hotline to ask about his coverage and makes his appointment with his preferred network doctor directly.
Medical consultation	He shows his personal identification document and medical card during registration at HKBH.
Pre-authorisation request submission	Once his doctor confirms that the removal of the fixation devices is medically necessary, Chris signs a pre-authorisation request form and his doctor handles the submission for him. His doctor provides HSBC Life with his medical and treatment information as well as the treatment expense quotation (HKD45,000).
Receive pre-authorisation confirmation	HSBC Life then informs Chris of the result of his pre-authorisation request via telephone within 5 working days. He receives a confirmation letter granting him a guaranteed cashless pre-approval limit of HKD45,000 for the planned admission and treatment.
Pre-authorisation notification to network doctor	HSBC Life also notifies the network doctor of the pre-authorisation assessment result and approved credit limit.
Receive treatment	Chris simply presents his personal identification document and medical card at HKBH for admission and treatment.

Now, Chris' doctor (who is on the HSBC Life network doctor list) is advising him to remove the bone fixation devices. Chris can apply for pre-authorisation and the Cashless Arrangement service with these simple steps:
Book appointment	Medical consultation
Chris calls the medical claims service hotline to ask about his coverage and makes his appointment with his preferred network doctor directly.	He shows his personal identification document and medical card during registration at HKBH.

Book appointment	Pre-authorisation request submission
Chris calls the medical claims service hotline to ask about his coverage and makes his appointment with his preferred network doctor directly.	Once his doctor confirms that the removal of the fixation devices is medically necessary, Chris signs a pre-authorisation request form and his doctor handles the submission for him. His doctor provides HSBC Life with his medical and treatment information as well as the treatment expense quotation (HKD45,000).

Book appointment	Receive pre-authorisation confirmation
Chris calls the medical claims service hotline to ask about his coverage and makes his appointment with his preferred network doctor directly.	HSBC Life then informs Chris of the result of his pre-authorisation request via telephone within 5 working days. He receives a confirmation letter granting him a guaranteed cashless pre-approval limit of HKD45,000 for the planned admission and treatment.

Book appointment	Pre-authorisation notification to network doctor
Chris calls the medical claims service hotline to ask about his coverage and makes his appointment with his preferred network doctor directly.	HSBC Life also notifies the network doctor of the pre-authorisation assessment result and approved credit limit.

Book appointment	Receive treatment
Chris calls the medical claims service hotline to ask about his coverage and makes his appointment with his preferred network doctor directly.	Chris simply presents his personal identification document and medical card at HKBH for admission and treatment.

During confinement and before his discharge from hospital, he can also enjoy the Cashless Arrangement service, subject to the approval and confirmation of the pre-authorisation.

Chris might also be able to enjoy a tax deduction⁴ on qualifying premiums for himself and his family each year:
Insured person	Annual premium paid (HKD) (depending on age/product)	Tax-deductible amount (HKD) (capped at HKD8,000 per insured person)	Amount of tax saved (HKD) (Assuming 15% tax rate¹³)
Chris (Policyholder)	8,259	8,000	1,200

Chris might also be able to enjoy a tax deduction⁴ on qualifying premiums for himself and his family each year:
Insured person	Chris (Policyholder)
Annual premium paid (HKD) (depending on age/product)	8,259
Tax-deductible amount (HKD) (capped at HKD8,000 per insured person)	8,000
Amount of tax saved (HKD) (Assuming 15% tax rate¹³)	1,200

The above example is for illustrative purposes only without discounts. The actual tax saving is subject to review and agreement by the Inland Revenue Department on a case by case basis. You should always consult with a professional tax advisor if in doubt. The above is also subject to item sub-limit, which will be determined by HSBC Life at the discretion on a case by case basis. Please refer to the “Benefit schedule“ section for details.

Are you eligible?

Applicants need to be aged⁵ between 18 and 80 years
Persons insured must be aged⁵ between 15 days and 80 years

Applying online? Here's what you should have on hand:

An existing HSBC HKD bank account or HKD credit card
Your personal details as well as the proposed insured's personal details, such as HKID/birth certificate number, mobile phone number and email address
Medical history records of the proposed insured

Ready to apply?

Get a quote and apply This link will open in a new window

Additional information

Product document

Product Brochure including Standard Premium Schedule This link will open in a new window

Standard Premium Schedule with levy This link will open in a new window

Global network hospital list (For Diamond Plan only) This link will open in a new window

Medical Concierge Service Terms & Conditions (For Diamond Plan only) This link will open in a new window

Other useful information

User Guide This link will open in a new window

Frequently asked questions (FAQs)

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 Mar 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	[PDF]	[PDF]	[PDF]	[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	[PDF]
HKD16,000	[PDF]
HKD50,000	[PDF]
HKD100,000	[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	[PDF]	[PDF]	[PDF]	[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	[PDF]
HKD16,000	[PDF]
HKD50,000	[PDF]
HKD100,000	[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	[PDF]	[PDF]	[PDF]	[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	[PDF]
HKD16,000	[PDF]
HKD50,000	[PDF]
HKD100,000	[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	[PDF]	[PDF]	[PDF]	[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	[PDF]
HKD16,000	[PDF]
HKD50,000	[PDF]
HKD100,000	[PDF]

For the provisions with previous Certification Number, please click here.

Other ways to apply

Book an appointment

Book a face-to-face appointment or video-enabled meeting:

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Contact us

Call (852) 2233 3130 (Monday to Friday: 11am – 7:30pm, except public holidays)

For HSBC Jade and Premier customers, please contact your Relationship Manager.

Manage your policy

Manage your policy online

Access your policy details anytime, anywhere on both your HSBC HK Mobile Banking app and our Personal Internet Banking webpage, so you can check your benefits, coverage, premium due dates and much more at your fingertips.

Log on to Personal Internet Banking This link will open in a new window

Learn more about managing your policy

Make a claim

Sometimes life doesn't go according to plan. But we're here to help.

To make an insurance claim, simply call our Tele-Consultants who will help you with it.

Diamond level: (852) 2894 4798
Bronze / Silver / Gold levels: (852) 2894 4780

You can also find the claim forms you may need here.

Learn more

Medical concierge service hotline

Diamond level: (852) 3128 0122

The service hours are 11:00a.m. – 7:30p.m., Monday to Friday, except public holidays.

¹ Full coverage shall mean the actual amount of Eligible Expenses and other expenses charged and payable in accordance to the Terms and Benefits of this policy.

² Pre-existing condition(s) shall mean, in respect of the insured person, any sickness, disease, injury, physical, mental or medical condition or physiological degradation, including congenital condition, that has existed prior to the policy issuance date or the policy effective date, whichever is earlier. Unknown pre-existing condition(s) refers to any pre-existing condition(s) that the policy holder and/or insured person was not aware and would not reasonably have been aware of at the time of application. Application is subject to HSBC Life. Please refer to the policy provisions for the full terms and conditions.

³ Pre-authorization is required for cashless arrangements. The final decision of the pre-authorisation application or direct billing approval is subject to the discretion of the HSBC Life.

⁴ Tax deduction eligibility is only applicable to policyholders or his/her spouse who are Hong Kong taxpayers. Tax deduction for the qualifying premiums paid under VHIS policy (not including levy) will be based on the premiums paid after deducting the premium discount (if any). For more information, please refer to www.ird.gov.hk or seek independent tax advice.

⁵ Age refers to the age of the Insured Person on his or her last birthday.

⁶ Eligible expenses incurred in other areas worldwide shall be covered according to the VHIS Standard Plan Terms and Benefits. Greater China shall mean mainland China, Hong Kong, Macau and Taiwan. Asia shall mean Afghanistan, Bangladesh, Bhutan, Brunei, Greater China, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Malaysia, Maldives, Mongolia, Myanmar, Nepal, Philippines, Singapore, South Korea, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam. Worldwide shall mean no geographical limitation. Except for psychiatric treatment and cash benefit for lower ward class which are applicable to Hong Kong only. Please refer to the Additional Benefit Provisions Endorsement for more details.

⁷ The free hospital admission deposit guarantee service (in mainland China) is an optional service that may be provided by an assistance company which is an independent contractor (“Independent Service Provider”) that is not an agent of HSBC Life. Please refer to the policy provisions for the full terms and conditions.

⁸ The second medical opinion is provided by a medical service provider which is an independent contractor and is not an agent of HSBC Life. HSBC Life shall not be held responsible for or liable to the policyholder or of the insured person for anything in relation to such medical opinion given by the medical service provider and/or hospital, and shall reserve the right to amend the terms and conditions thereof from time to time without prior notice.

⁹ The provision of services is subject to the terms and conditions of the worldwide emergency assistance. HSBC Life reserves the right to amend the terms and conditions thereof from time to time without prior notice. This is an optional service. Clients can opt-out the services by writing to HSBC Life.

¹⁰ Medical Concierge Service does not form part of the policy for HSBC VHIS Flexi Plan. For more details of the Medical Concierge Service and Limousine Arrangement Service, please refer to the standalone terms and conditions.

¹¹ If after a no claim discount has been deducted, a claim incurred in respect of previous five (5) Policy Years becomes payable under this policy, the no claim discount shall be re-calculated by taking into account the relevant claim payable, and the policyholder shall return to HSBC Life immediately the difference between the recalculated amount (in respect of no claim discount) and the no claim discount actually paid to the policyholder.

¹² By choosing an Apple Watch as your reward, you will be committing to a 24-month interest-free instalment plan via your HSBC credit card. To borrow or not to borrow? Borrow only if you can repay!

¹³ The standard tax rate for the year of assessment in 2020/21 is 15%.

¹⁴ Eligible expenses are covered according to your VHIS Plan.

*To borrow or not to borrow? Borrow only if you can repay!

The HSBC VHIS Flexi Plan is 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. 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 insurance agent authorised by HSBC Life. This product is a product of HSBC Life but not HSBC and it is intended only for sale through HSBC in the Hong Kong SAR. Your benefit is subject to the credit risk of HSBC Life. If the policyholder discontinues and / or surrenders the insurance plan in the early policy years, the amount of the benefit he / she will get back may be considerably less than the amount of the premium he / she has paid. 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.

Get up to 30% off your first year premium

Apply online with promo code ’20FLEX' to enjoy 20% off your first year premium and an additional 10% off when you apply with your family members.

T&Cs apply

Get peace of mind with all-round medical coverage

See plan options