China Life VHIS plans compared

Compare 3 products sharing China Life / VHIS medical: currencies HKD, premium-payment options to ages 99, issue-age span 15 days to 80 years. See each plan’s own age rules and terms below in A–Z order; the range does not apply to every plan and unknowns stay unconfirmed, checked 21 Oct 2026:Source

Ask a licensed Hong Kong broker for a free comparison of suitable plans

Last checked 21 Oct 2026

Years 2026 reflect dated source editions, or check years when undated, rather than product launch years.

AI agents can read our sourced facts through the read-only MCP service. MCP server card ·Published fact index

How complete is this VHIS list and how do I check an intermediary?

The official list contains 33 standard and 70 flexi plan/provider entries (103 total), covering 579 certification/version/option records. These are different counting units. Currency lists are subsets of the total across currencies; the same plan may appear in both.

Inclusion is not evidence of availability for new applications. The lists include renewal-only and unavailable plans, and deregistered VHIS providers. Match the offering legal entity and full certification number to the policy version; check the product's sourced availability notes. The Liberty series landing record is an umbrella, excluded from these individual-plan counts.

Where can I find a neutral list of VHIS plans and verify a licensed broker?

Use the Health Bureau’s certified-plan lists and our source-backed VHIS comparison pages to browse plans in alphabetical order. Certification records are not recommendations or proof of current availability. Check the broker firm and the person advising you in the IA public register; residence eligibility, underwriting and the permitted signing process need separate confirmation. [V3, V6]

Browse VHIS comparisons and check the certification version, deductible, exclusions, territorial cover and renewal-only notes against the official list. [V3, V5] Our licence verification guide explains independent register and contact checks. This site provides information and referrals to a licensed Hong Kong broker; individual advice belongs with the licensed intermediary. Mainland visitors must sign in Hong Kong. [V6]

[V3][V5][V5][V6]

Insurers (33)

Comparison JSON · Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link.

Comparable facts

Filters search recorded options only. Age matches any recorded range; option conditions and age basis still apply. Unknown ranges are excluded when an age is entered.

Product: 3 / 3

Comparable facts
Product	Insurer	Product category	Policy currencies	Premium payment terms	Benefit term	Issue ages & basis	Recorded features	VHIS plan type	Annual benefit limit	Lifetime benefit limit	Renewal conditions	Published key exclusions (not exhaustive)
Guard Your Health Medical Insurance Plan	China Life	VHIS medical Source1	HKD Source2	To age 99 / Annual renewal; premium rates can be reviewed on each policy anniversary. Source2	To age 100 / Guaranteed renewal subject to the policy conditions. Source2	15 days to 80 years / Age basis: Not confirmed Source2	VHIS Standard Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option. Source1	Standard Plan Source3	Standard Plan: HKD 420,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Source4	Standard Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply. Source4	Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Source5	Non-medically necessary treatment, tests and services are excluded. Cosmetic treatment has specified exceptions. Selected exclusions only; consult the full wording for other exclusions and exceptions. Source6
Healthy Life Medical Insurance Plan	China Life	VHIS medical Source7	HKD Source8	To age 99 / Annual renewal; premium rates can be reviewed on each policy anniversary. Source8	To age 100 / Guaranteed renewal subject to the policy conditions. Source8	15 days to 80 years / Age basis: Not confirmed Source8	VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option. Source7	Flexi Plan Source9	Healthy Life Medical Insurance Plan: HKD 800,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Source10	Healthy Life Medical Insurance Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply. Source10	Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Source11	Non-medically necessary treatment, tests and services are excluded. Cosmetic treatment has specified exceptions. Selected exclusions only; consult the full wording for other exclusions and exceptions. Source12
Healthy Life Premier Medical Insurance Plan	China Life	VHIS medical Source13	HKD Source14	To age 99 / Annual renewal; premium rates can be reviewed on each policy anniversary. Source14	To age 100 / Guaranteed renewal subject to the policy conditions. Source14	15 days to 80 years / Age basis: Not confirmed Source14	VHIS flexi plan listed by the Health Bureau; check the certification number and selected option. Source13	Flexi Plan Source13	No public field citation recorded	No public field citation recorded	No public field citation recorded	Non-medically necessary treatment, tests and services are excluded. Cosmetic treatment has specified exceptions. Selected exclusions only; consult the full wording for other exclusions and exceptions. Source15

Feature matrix

Up to three products in A–Z order. Open each product's decision sheet for complete information.

Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.

Feature matrix
Comparable facts	Guard Your Health Medical Insurance Plan	Healthy Life Medical Insurance Plan	Healthy Life Premier Medical Insurance Plan
What it pays and when	Benefit term: To age 100 / Guaranteed renewal subject to the policy conditions. Recorded features: VHIS Standard Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option. Public source · Checked 21 Oct 2026Public source · Checked 12 Oct 2026	Benefit term: To age 100 / Guaranteed renewal subject to the policy conditions. Recorded features: VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option. Public source · Checked 21 Oct 2026Public source · Checked 12 Oct 2026	Benefit term: To age 100 / Guaranteed renewal subject to the policy conditions. Recorded features: VHIS flexi plan listed by the Health Bureau; check the certification number and selected option. Public source · Checked 21 Oct 2026Public source · Checked 17 Oct 2026
Benefit limits	Annual benefit limit: Standard Plan: HKD 420,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Lifetime benefit limit: Standard Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply. Public source · Checked 12 Oct 2026	Annual benefit limit: Healthy Life Medical Insurance Plan: HKD 800,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Lifetime benefit limit: Healthy Life Medical Insurance Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply. Public source · Checked 12 Oct 2026	not yet checked
Guaranteed / non-guaranteed	The reviewed certified-plan provisions guarantee renewal to age 100 while the insurer retains the required insurance authorisation and VHIS-provider registration, subject to policy conditions.Public source · Checked 13 Oct 2026	The reviewed certified-plan provisions guarantee renewal to age 100 while the insurer retains the required insurance authorisation and VHIS-provider registration, subject to policy conditions.Public source · Checked 13 Oct 2026	not yet checked
Waiting periods	Unknown pre-existing conditions: no cover in policy year one; 25% reimbursement in year two, 50% in year three and full cover from year four, subject to terms.Public source · Checked 13 Oct 2026	Unknown pre-existing conditions: no cover in the first 30 days of policy year one; full cover from day 31, subject to plan terms.Public source · Checked 13 Oct 2026	not yet checked
Main exclusions	Published key exclusions (not exhaustive): Non-medically necessary treatment, tests and services are excluded. Cosmetic treatment has specified exceptions. Published key exclusions (not exhaustive): Selected exclusions only; consult the full wording for other exclusions and exceptions. Public source · Checked 21 Oct 2026	Published key exclusions (not exhaustive): Non-medically necessary treatment, tests and services are excluded. Cosmetic treatment has specified exceptions. Published key exclusions (not exhaustive): Selected exclusions only; consult the full wording for other exclusions and exceptions. Public source · Checked 21 Oct 2026	Published key exclusions (not exhaustive): Non-medically necessary treatment, tests and services are excluded. Cosmetic treatment has specified exceptions. Published key exclusions (not exhaustive): Selected exclusions only; consult the full wording for other exclusions and exceptions. Public source · Checked 21 Oct 2026
Deductibles / room / renewal	VHIS plan type: Standard Plan Renewal conditions: Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Public source · Checked 12 Oct 2026Public source · Checked 12 Oct 2026	VHIS plan type: Flexi Plan Room class: Healthy Life Medical Insurance Plan: Ward; semi-private/private rooms attract the published ward-class adjustment. Renewal conditions: Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Public source · Checked 12 Oct 2026Public source · Checked 12 Oct 2026Public source · Checked 12 Oct 2026	VHIS plan type: Flexi PlanPublic source · Checked 17 Oct 2026