Affordable, first-dollar medical protection
Get medical protection plus tax savings with HSBC VHIS One. Our plan gives you hassle-free care wherever you go, without upfront-out-of-pocket expenses.
Key benefits

Special offer – Enjoy up to 60% off!
- Apply online with your family members[@insurance-vhis-flexi-familymembers] to enjoy up to 30% off with the code 'SAVE20'. T&Cs apply (PDF).
- Well+ members can enjoy up to 60% off their first-year premium. T&Cs apply (PDF).
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This amount is for reference only, please refer to the full quotation for the exact premium amount.
Why do you need Supplementary Major Medical (SMM) benefit?
Supplementary Major Medical (SMM) benefit is an optional top-up that offers partial reimbursement of hospital expenses incurred on top of the payable VHIS One coverage. When you opt for VHIS One with SMM benefit, you can:
- get an additional cover of up to HKD120,000 to pay for 80% of medical expenses on top of the specified individual benefit limits
- make your insurance coverage more comprehensive


How SMM benefit can provide additional cover - John's story
Let's look at John's story.
John suffered a knee dislocation, sprain and injured ligaments from a car accident. Medical bills for treatment, including a medial patellofemoral ligament reconstruction surgery at a private hospital in Hong Kong, totalled over HKD80,000.
Here is how much he can claim under his HSBC VHIS One plan, with and without SMM benefit:
- Claim amount without SMM benefit: HKD66,400
- Claim amount With SMM benefit: HKD79,888
Detailed breakdown of John's medical claim
How to apply
Eligibility
To apply for our VHIS One Plan, please ensure that:
- the insured person is aged[@insurance-lastbirthdaydefinition] between 15 days and 80 years
Applying online? Here's what you need to have on hand:
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The HSBC VHIS One 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.
Apply now
Get started with a quote
Applying for our VHIS One Plan is easy. Fill in basic information and get a quote online right away.
Got any questions? Ask us using the 'Chat with us' feature. We're available from 10:30am to 10:00pm, Monday to Friday (except public holidays).
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Frequently asked questions
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