FAQ

About

VHIS is an individual indemnity hospital insurance scheme implemented by the Food and Health Bureau of HKSAR to provide an additional choice of health care services to the public through hospital insurance. Participation of the scheme is voluntary. Tax deduction is eligible for consumers who purchase VHIS plans.

VHIS covers insurance products that provide hospital insurance protection of indemnity nature bought by individuals for themselves and their families. It will reimburse the actual expenses for various healthcare services.


There are two types of plans for selection under VHIS – Standard Plan and Flexi Plan. Standard Plan provides standardized basic protection according to the minimum requirements set by the Government. Flexi Plan provides enhanced protection such as better benefit limits and coverage.



TaxVantage Medical Plan is a Standard Plan while TaxVantage Plus Medical Plan is a Flexi Plan under the Voluntary Health Insurance Scheme (VHIS) implemented by the Food and Health Bureau. The coverage under the VHIS Standard Plan includes basic protection; while the Flexi Plan provides enhanced protection, e.g. higher benefit amount, extra medical coverage and a variety of product choices. Details are as follows:

TaxVantage Medical Plan

(Standard Plan)

TaxVantage Plus Medical Plan

(Flexi Plan)

Guaranteed renewals for life

No lifetime benefit limit

All benefits applicable worldwide

(except for psychiatric treatment)

(except for renal dialysis performed as a Day Patient and psychiatric treatment)

No restriction to the choice of healthcare service provider & ward class

Covers the following medical benefit items:

  • Hospitalization and surgery fees

  • Day case procedure

  • Outpatient care for pre- and post-Confinement / Day case procedure

  • Prescribed diagnostic imaging tests

  • Non-surgical cancer treatments

  • Psychiatric treatment

  • Lump sum benefit against medical negligence

  • Home nursing

  • Renal dialysis

  • Additional benefit for accident

Coverage of unknown pre-existing conditions

(with waiting period)

(without waiting period)

Tax deductible

Free estimation of the claimable amount for potential treatment/procedure

No claim premium discount

Choice of plan level

Optional extra major medical benefit

Optional Supplementary Benefits (Non-tax deductible)

Optional supplementary benefits

  • Extra Cancer Benefit
  • Hospital Income Benefit

Please refer to the product brochures for further details and exclusions of the above features.


Premiums paid by a Hong Kong citizen for himself/herself and his/her specified dependant(s) for TaxVantage Plus Medical Plan and/or TaxVantage Medical Plan on or after April 1, 2019 are qualified for a tax deduction. Premiums paid can be claimed for tax deduction up to HK$8,000 per Insured Person per year. For details of the tax deduction arrangement and illustrative examples, please refer to the website of the Food and Health Bureau at https://www.vhis.gov.hk/en/consumer_corner/tax-deduction.html and the website of the Inland Revenue Department.

Customers may make enquiries and lodge complaints directly with us via our customer service hotline at 2533 5555, or through the following channels:

(a) Voluntary Health Insurance Scheme (VHIS), Office of Food and Health Bureau (for issues specific to the VHIS, including product availability, features of Certified Plans and compliance with the Code of Practice for Insurance Companies under the Ambit of the Voluntary Health Insurance Scheme);

(b) Insurance Authority (for issues concerning the general conduct of insurance companies and intermediaries); and

(c) Inland Revenue Department (for issues concerning claims for tax deduction).

Before a dispute is referred to a Hong Kong court, customers may use alternative means of dispute resolution, including but not limited to mediation and adjudication through the Insurance Complaints Bureau, or other means of mediation and arbitration as mutually agreed between Policy Holders and Companies.


About Migration

Individual Indemnity Hospital Insurance Plan (“IHIP”) policies effective before the implementation of the VHIS (April 1, 2019) are eligible for a one-off migration facilitation (“Migration”).

IHIP policy includes

  • Hospital & Surgical Benefit with or without Supplementary Major Medical Benefit
  • Hospital & Surgical Plus with or without Extra Major Medical Benefit
  • For other products’ eligibility, please contact your Consultant or our Customer Service Hotline at 2533 5555 for details

Starting from April 1, 2019, policy holders of eligible IHIP policies will be entitled to a Migration at the Anniversary1 of their IHIP policy. You can submit your Migration application 2 months prior to and after the Anniversary.
1Anniversary on or after April 1, 2019



Migration is subject to the underwriting factors include insurable interest, health risk, occupational risk, residential risk and lifestyle. Material facts and information on consumers for underwriting purpose include client’s family history, physical history, physical findings, occupation details, place of residence and relationship between Insured and Policy Holder or/and Beneficiary.

You can migrate your Hospital & Surgical Benefit / Hospital & Surgical Plus2 policy(ies) to the designated VHIS Certified Plan by answering ONE health question.

For migration of other IHIP plans, please contact your Consultant or our Customer Service Hotline at 2533 5555 for details.
2With or without Supplement Major Medical Benefit / Extra Major Medical Benefit


Upon successful Migration to VHIS Certified Plan, the existing IHIP coverage will be terminated.

Any benefit exclusions and/or extra premium rate(s), if applicable, under the existing IHIP policy, will be applied to the VHIS Certified Plan after the Migration.

For Migration from a Hospital & Surgical Plus policy to a TaxVantage Plus Medical Plan (Flexi Plan) policy, the period for which all the requirements for entitlement of No Claim Bonus have been met under the existing Hospital & Surgical Plus policy will be brought forward to the TaxVantage Plus Medical Plan policy for the purpose of calculating no claim premium discount. Any outstanding No Claim Bonus due to the termination of the Hospital & Surgical Plus policy, if any, will be forfeited according to the terms and conditions of No Claim Bonus of the Hospital & Surgical Plus policy.
3With or without Extra Major Medical Benefit


You can proceed with the Migration of Hospital & Surgical Benefit / Hospital & Surgical Plus4 to the designated plan by visiting our “Policy Migration” Corner, or contact your Consultant or our Customer Service Hotline at 2533 5555 for assistance.

For other eligible plans, please contact your Consultant or our Customer Service Hotline at 2533 5555 for assistance.
4With or without Extra Major Medical Benefit


You can be the Policy Holder of the VHIS Certified Plan(s) if the Insured Person is you or your specified relative.

Specified relatives refer to:
a) Spouse;
b) i) *Children’s aged less than 18
    ii) *Children’s aged 18 to less than 25 receiving full-time education / aged 18 or above but incapacitated for work by reason of physical or mental disability;
c) Your or your spouse’s *brothers or sisters’ aged less than 18 / aged 18 to less than 25 receiving full-time education / aged 18 or above but incapacitated for work by reason of physical or mental disability; or
d) Your or your spouse’s *parent or grandparent aged less than 55 but eligible to claim an allowance under the Government’s Disability Allowance Scheme / aged 55 or above

*Also applies to step and adopted relationship

Policy Holder’s declaration and additional document (if applicable) proving that the Insured Person is a specified relatives, and fulfilment of our requirement on insurable interest are required (applicable to b) ii), c) and d).

For more details of the definition of specified relatives, please refer to the website of VHIS https://www.vhis.gov.hk/en/consumer_corner/faqs.html and the Inland Revenue Ordinance Cap. 112.


You are eligible for online Migration application if all of the following criteria are fulfilled:

  • As a Policy Holder of an inforce Hospital & Surgical Benefit / Hospital & Surgical Plus5; and
  • You are applying Migration to the designated plan of TaxVantage Plus Medical Plan (VHIS Flexi Plan); and
  • You are the Insured Person, or the Insured Person is your specified relatives and age under 18; and
  • The Insured Person is a Hong Kong resident6; and
  • The address of the original IHIP policy in our record is valid; and
  • We have record of your valid identification document; and
  • Your mobile number in our record is correct

In case you cannot proceed with the online Migration, or you would like to migrate to TaxVantage Medical Plan (VHIS Standard Plan) or other plan level of TaxVantage Plus Medical Plan (VHIS Flexi Plan), please contact your Consultant or our Customer Service Hotline at 2533 5555.

5With or without Supplement Major Medical Benefit / Extra Major Medical Benefit
6Including holders of Hong Kong Identity Card, and children who are Hong Kong residents and under the age of 11.

The total required premium will be shown to you during the process of Migration. To let you have total peace of mind and sufficient time for setting up Direct Debit Authorization, the premium requirement is as follows:

If the payment frequency is monthly:

Time of submitting application

Number monthly premiums for the VHIS-compliant product(s)

Illustrative Examples

Within 2 months before the Anniversary of the existing IHIP policy

2

Aug 1, 2019 – Anniversary

Jul 1, 2019 – Submitted application

In the same  calendar month of the Anniversary of the existing IHIP policy

3

Apr 1, 2019 – Anniversary

Apr 28, 2019 – Submitted application

In the next calendar month of the Anniversary of the existing IHIP policy

4

Apr 1, 2019 – Anniversary

May 28, 2019 – Submitted application

In the month after the next calendar month of the Anniversary of the existing IHIP policy

5

Apr 28, 2019 – Anniversary

Jun 27, 2019 – Submitted application

Note: You can submit your migration application 2 months prior to and after the Anniversary

If the payment frequency is quarterly / half-yearly / yearly:

One quarterly / half-yearly / yearly premium


This is solely at your discretion. You have the absolute right to stay insured with the existing policy.

Yes, the terms and conditions of the existing IHIP policy will remain unchanged.

Yes, if you are not satisfied with the new policy, you may return it under a signed covering letter to us (27/F, 33 Lockhart Road, Wanchai, Hong Kong) within 21 days after the delivery of the policy or issue of the Notice (which states that the policy is available for collection and the expiry date of the cooling-off period) to you or your representative, whichever is earlier. We will cancel the policy upon receipt of your written request and refund all premiums and levy you paid (no refund can be made if a benefit payment has been made, is to be made or impending), without any interest.

Our website uses cookies to give you the best user experience. By continuing to browse the site, you are agreeing to our privacy policy. For details, please browse the relevant information in our website.

Accept & CloseX