FAQs

About VHIS

What is the Voluntary Health Insurance Scheme (VHIS)?

When was the Voluntary Health Insurance Scheme implemented?

How does the Voluntary Health Insurance Scheme work?

What is the scope of VHIS?

What products does the Voluntary Health Insurance Scheme offer?

What is the average premium for the Voluntary Health Insurance Scheme products?

Who can buy the Voluntary Health Insurance Scheme?

Can non-Hong Kong residents purchase the Voluntary Health Insurance Scheme?

How many people can benefit from the Voluntary Health Insurance Scheme?

What is the difference between the Voluntary Health Insurance Scheme and a regular hospitalization insurance plan?

Which insurance companies have participated in VHIS?

Certified Plans

What is the difference between the "standard plan" and the "flexi plan" under the Voluntary Health Insurance Scheme?

What is the scope of the "Standard Plan" under the Voluntary Health Insurance Plan?

How to determine the premiums of Certified Plans?

Will the premiums vary by age and gender?

Can the insurance companies adjust the premiums when renewing my policy?

If I already have an individual indemnity hospital insurance coverage, how can I switch to a Certified Plan?

Will there be a transfer time limit if I choose to switch from an individual indemnity hospital insurance coverage to Voluntary Health Insurance Scheme?

What is the process to switch from individual indemnity hospital insurance coverage to the Voluntary Health Insurance Scheme?

Where can I purchase the Voluntary Health Insurance Scheme?

After purchasing Voluntary Health Insurance Scheme, can I still use the services of public hospitals and cover the relevant expenses with VHIS?

Do I have to be hospitalised before I can claim a voluntary medical insurance claim?

Will my voluntary health insurance plan be automatically renewed?

Is it possible that I might get declined coverage?

Will I have a cooling-off period once I participate in the program?

What are the Pre-existing Conditions not known at the time of joining under VHIS?

What is the claim arrangements for the treatment of congenital conditions?

What is coinsurance under the Voluntary Health Insurance Scheme?

Tax Deduction

What is the tax deduction under the Voluntary Health Insurance Scheme?

When will the tax deduction for "voluntary health insurance" take effect?

Can I claim tax deduction once I purchased Voluntary Health Insurance Scheme?

If I buy the Voluntary Health Insurance Scheme for my family, can I still claim tax deduction?

What is "Specified Relatives"?

Is there any limit on the number of eligible policies for which I can claim tax deduction?

Is there a cap on the number of "specified relatives" who can apply for tax deduction?

What is the maximum premium for my voluntary health insurance per year for tax deduction?

If I buy more than one product for myself, will this increase the annual premium limit for tax deduction?

What is the maximum amount of tax deduction I can get?

Disclaimer

FAQs Disclaimer

The contents of the FAQs on this website are for reference only. The actual "Voluntary Health Insurance Scheme" coverage is subject to the policy. For details, please check with your insurance company or insurance agent/broker. Regarding the tax deduction arrangement for the Voluntary Health Insurance Scheme, please refer to the official website of the Voluntary Health Insurance Scheme and the Inland Revenue Department. This website does not provide any tax advice and is not responsible for any loss caused by anyone using the content.

Source: Voluntary Health Insurance Plan Official Website
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