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Voluntary Health Insurance Scheme (VHIS)

Great healthcare coverage, from head to toe

Healthcare costs are on the rise and the public healthcare system is under strain. But you don't have to dig deep into your pockets. Our Voluntary Health Insurance Scheme (VHIS) is a government certified scheme that aims to provide better access to private healthcare and to enhance consumer protection for medical insurance. As a registered VHIS provider, HSBC Life gives you the comprehensive medical coverage you need through our certified Standard or Flexi Plans so you can expect more peace of mind while enjoying tax deductions1.

Apply Flexi Plan Online

Speak with us

HSBC Jade and Premier customers

Contact your Relationship Manager

Or call the VHIS application hotline

  • (852) 2233 3130

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

VHIS key benefits

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Live long and reassured

You'll enjoy guaranteed policy renewals up to age 1002.

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Cover yourself against unknown pre-existing conditions

You'll be covered against unknown pre-existing conditions3.

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Claim tax deductions

Taxpayers can claim a tax deduction1 of up to HKD8,000 per insured person annually. 


Learn more about HSBC Life tax saving plans

Standard Plan vs Flexi Plan

Man and woman running; image used for HSBC VHIS Standard Plan.

VHIS Standard Plan

Get essential coverage for your healthcare needs with one standard plan.

To apply, you can:

  • call our hotline on +852 2233 3130
  • visit our branches – book an appointment or contact your Relationship Manager now
A man happily holding two pictures,Image used for first-year premium discount;

VHIS Flexi Plan

Enjoy comprehensive coverage with the freedom to choose the options you need.

To apply, you can:

  • get a quote and apply online
  • call our hotline on +852 2233 3130
  • visit our branches – book an appointment or contact your Relationship Manager now

Are you eligible?

To apply,

  • you need to be aged2 between 18 and 80
  • Persons insured must be aged2 between 15 days and 80 years

Related information

Name of VHIS Provider: HSBC Life (International) Limited

VHIS Provider Registration Number: 00042

Effective Date of Registration: 29 May 2020

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.

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.

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


1 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 or seek independent tax advice.

2 Unless otherwise specified, all ages mentioned on this page refer to the age of the insured person on his or her last birthday.

3 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 the earlier. An ordinary prudent person shall be reasonably aware of a pre-existing condition, where - (a) it has been diagnosed; (b) it has manifested clear and distinct signs or symptoms; or (c) medical advice or treatment has been sought, recommended or received. The HSBC Life may impose case-based exclusion(s) to the pre-existing condition(s) notified to HSBC Life in the application for the plan and any subsequent information or document submitted to HSBC Life for the purpose of the application. 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. Please refer to the policy provisions for the full terms and conditions.

4 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.

5 Eligible expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above.

6 Full cover shall mean the actual amount of eligible expenses and other expenses charged and payable in accordance to the terms and benefits of your policy.

7 HSBC Life shall have the right to ask for proof of recommendation, e.g. a written referral or testifying statement on the claim form by the attending doctor or a registered medical practitioner.

8 The percentage here applies to the surgeon's fee actually payable or the benefit limit for the surgeon's fee according to the surgical categorisation, whichever is lower.

9 Tests covered here only include computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined.

10 Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.

The HSBC VHIS Plans are not equivalent or similar to any kind of deposit. HSBC VHIS Plans are 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.

The above information is intended as a general summary. For more details, please refer to the policy terms and conditions in the product detail pages.