Buying VHIS Plans: Things You Need to Know
Medical Insurance

Buying VHIS Plans: Things You Need to Know

8 Mins read

Types of plans

Under the Voluntary Health Insurance Scheme (VHIS), all hospital insurance plans are certified by the Food and Health Bureau (FHB). To allow flexibility for the public, VHIS products will come in two forms.

  • The Standard Plan that fulfills 10 minimum requirements
  • Flexi Plans that provides add-on hospital insurance coverage, such as higher benefit amounts

You are entitled to know all details

VHIS plans have different premium levels according to age and gender. To protect the public’s interests, the government have ensured transparency of all plan details by publishing these premium schedules.

You can now carefully compare prices and coverage when you shop for a VHIS plan that best suits your needs. Around April 2019, you are also going to find a list of insurance companies that are registered with the VHIS on the official website2.

Tax deduction

The government has confirmed that premiums paid by a citizen for themselves and their dependants will be allowed for deduction. Dependants means your spouse/ child; or your or your spouse's parent/ grandparent/ brother or sister.


The deduction ceiling is $8,000 per insured person per year. There is no cap on the number of dependants that are eligible for tax deduction. In other words, if you are the policyholder of four VHIS plans for four insured persons (a.k.a. your dependants) the annual deduction ceiling for you is $32,000.

VHIS plans and existing plans

Already taken out individual hospital insurance? Don’t worry. Depending on your situation, you can freely choose to keep your existing plans or switch to those VHIS-registered. Click here to see who can get the most out of VHIS.

Value-added services

Cigna offers its VHIS clients comprehensive added-value services. Cigna Telehealth service, a one-stop virtual consultation and medication delivery solution accessible by App, which VHIS policyholders can gain access to virtual consultations from the comfort of their home. It also provides specialist referral services and doctor's certificates. More services include Health and Policy Assistance Hotline and Care Manager service to provide holistic care before, during and after your treatment.

The primary reason for insurance is to transfer risk and be prepared for the worst. Cigna is a certified provider of VHIS, offering unknown pre-existing conditions coverage to give you the protection you need should life throws you a curveball. Click here to find out more about Cigna VHIS series.


  1. HK GOV - VHIS

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