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HSBC VHIS One Plan

A voluntary health insurance plan that covers your essential medical needs from the first-dollar[@insurance-vhis-one-item-sub-limit], with optional Supplementary Major Medical coverage, available online.

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

First-dollar medical protection

Get your medical expenses covered without any upfront out-of-pocket expenses. This includes outpatient treatments, hospital stays and surgical procedures.

Extensive medical cover

Enjoy the flexibility of receiving care wherever you go. No matter which ward class or part of the world[@insurance-vhis-one-part-of-world] you're in – we've got you covered!

Additional cover for expenses

Extend your protection with Supplementary Major Medical (SMM). Cover for 80% of eligible expenses that exceed the original limits of your plan.

Up to HKD8,000[@insurance-taxdeductionvhis] in tax savings

Enjoy tax relief with a maximum annual deduction of HKD8,000[@insurance-taxdeductionvhis] on qualifying premiums for each insured person. Learn more about tax savings tips.

Special offer – Enjoy up to 60% off!

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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

See a detailed breakdown 

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:

  • an existing HSBC HKD bank account or HKD credit card
  • your personal details and that of the proposed insured person's, such as HKID or birth certificate number, mobile number and email address
  • the proposed insured person's medical history records

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.

Policy provisions and certification numbers 

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).

Other ways to apply 

Frequently asked questions

Which VHIS plan should I choose? 

Can I change my plan type or level after my policy has come into effect? 

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Notes

    Disclaimer 

    The HSBC VHIS One Plan is a life insurance plan 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. It is not a bank deposit or bank savings plan. 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 agency of HSBC Life for the distribution of life insurance products in the Hong Kong Special Administrative Region. This product is a product of HSBC Life but not HSBC and it is intended only for sale in the Hong Kong SAR. Your benefit is subject to the credit risk of HSBC Life. 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.