HSBC Life VHIS plans compared

Compare 4 products sharing HSBC Life / VHIS medical: currencies HKD, premium-payment options Not confirmed, issue-age span Not confirmed. 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 17 Oct 2026:Source

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

Last checked 17 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: 4 / 4

Comparable facts
Product	Insurer	Product category	Policy currencies	Benefit term	Recorded features	VHIS plan type	Annual benefit limit	Lifetime benefit limit	Renewal conditions	Published key exclusions (not exhaustive)
HSBC Voluntary Health Insurance Flexi Plan	HSBC Life	VHIS medical Source1	HKD Source2	Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Source3	VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option. Source1	Flexi Plan Source4	Bronze level (HKD0 Deductible): HKD 5,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Silver level (HKD0 Deductible): HKD 25,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Gold level (HKD0 Deductible): HKD 30,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Show all 5 Diamond level (HKD0 Deductible): HKD 40,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Platinum level (HKD0 Deductible): HKD 35,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Source5 Source6 Source7 Source8 Source9	Bronze level (HKD0 Deductible): HKD 20,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply. Silver level (HKD0 Deductible): no aggregate lifetime cap for the schedule's specified benefits; item limits still apply. Source5 Source6	Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Source3	Treatment, tests and services that are not medically necessary are excluded. Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy. Selected exclusions only; consult the full policy and any case-based exclusions. Source10
HSBC Voluntary Health Insurance One Plan	HSBC Life	VHIS medical Source1	HKD Source2	Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Source11	VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option. Source1	Flexi Plan Source4	One Plan: no aggregate annual cap for the schedule's specified benefits; item limits still apply. Source12	One Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply. Source12	Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Source11	Treatment, tests and services that are not medically necessary are excluded. Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy. Selected exclusions only; consult the full policy and any case-based exclusions. Source13
HSBC Voluntary Health Insurance Standard Plan	HSBC Life	VHIS medical Source14	HKD Source15	Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Source16	VHIS Standard Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option. Source14	Standard Plan Source17	Standard Plan: HKD 420,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Source18	Standard Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply. Source18	Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Source16	Treatment, tests and services that are not medically necessary are excluded. Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy. Selected exclusions only; consult the full policy and any case-based exclusions. Source19
Vital Care Voluntary Health Insurance Flexi Plan	HSBC Life	VHIS medical Source2	HKD Source2	No public field citation recorded	VHIS flexi plan listed by the Health Bureau; check the certification number and selected option. Source2	Flexi Plan Source2	No public field citation recorded	No public field citation recorded	No public field citation recorded	No public field citation recorded

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	HSBC Voluntary Health Insurance Flexi Plan	HSBC Voluntary Health Insurance One Plan	HSBC Voluntary Health Insurance Standard Plan
What it pays and when	Benefit term: Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Recorded features: VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option. The brochure describes this product as a standalone individual indemnity hospital insurance plan. Public source · Checked 12 Oct 2026Public source · Checked 12 Oct 2026Public source · Checked 13 Oct 2026	Benefit term: Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Recorded features: VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option. Public source · Checked 12 Oct 2026Public source · Checked 12 Oct 2026	Benefit term: Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Recorded features: VHIS Standard Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option. The brochure describes this product as a standalone individual indemnity hospital insurance plan. Public source · Checked 12 Oct 2026Public source · Checked 12 Oct 2026Public source · Checked 13 Oct 2026
Benefit limits	Annual benefit limit: Bronze level (HKD0 Deductible): HKD 5,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Annual benefit limit: Silver level (HKD0 Deductible): HKD 25,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Annual benefit limit: Gold level (HKD0 Deductible): HKD 30,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Show all 7 Annual benefit limit: Diamond level (HKD0 Deductible): HKD 40,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Annual benefit limit: Platinum level (HKD0 Deductible): HKD 35,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Lifetime benefit limit: Bronze level (HKD0 Deductible): HKD 20,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply. Lifetime benefit limit: Silver level (HKD0 Deductible): no aggregate lifetime cap for the schedule's specified benefits; item limits still apply. Public source · Checked 12 Oct 2026Public source · Checked 12 Oct 2026Public source · Checked 12 Oct 2026Public source · Checked 12 Oct 2026Public source · Checked 12 Oct 2026	Annual benefit limit: One Plan: no aggregate annual cap for the schedule's specified benefits; item limits still apply. Lifetime benefit limit: One Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply. Public source · Checked 12 Oct 2026	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
Guaranteed / non-guaranteed	The brochure states guaranteed renewal to age 100, subject to the plan terms and benefits.Public source · Checked 13 Oct 2026	The brochure states guaranteed renewal to age 100, subject to the plan terms and benefits.Public source · Checked 13 Oct 2026	The brochure states guaranteed renewal to age 100, subject to the plan terms and benefits.Public source · Checked 13 Oct 2026
Waiting periods	No waiting period for unknown pre-existing conditions, subject to the policy provisions.Public source · Checked 13 Oct 2026	No waiting period for unknown pre-existing conditions, subject to the policy provisions.Public source · Checked 13 Oct 2026	Unknown pre-existing conditions have no cover in year one, 25% reimbursement in year two, 50% in year three and full cover from year four, subject to benefit limits.Public source · Checked 13 Oct 2026
Main exclusions	Published key exclusions (not exhaustive): Treatment, tests and services that are not medically necessary are excluded. Published key exclusions (not exhaustive): Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy. Published key exclusions (not exhaustive): Selected exclusions only; consult the full policy and any case-based exclusions. Public source · Checked 12 Oct 2026	Published key exclusions (not exhaustive): Treatment, tests and services that are not medically necessary are excluded. Published key exclusions (not exhaustive): Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy. Published key exclusions (not exhaustive): Selected exclusions only; consult the full policy and any case-based exclusions. Public source · Checked 12 Oct 2026	Published key exclusions (not exhaustive): Treatment, tests and services that are not medically necessary are excluded. Published key exclusions (not exhaustive): Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy. Published key exclusions (not exhaustive): Selected exclusions only; consult the full policy and any case-based exclusions. Public source · Checked 12 Oct 2026
Deductibles / room / renewal	VHIS plan type: Flexi Plan Deductible options: Bronze level (HKD0 Deductible) Deductible options: Bronze level (HKD16,000 Deductible) Show all 23 Deductible options: Bronze level (HKD50,000 Deductible) Deductible options: Bronze level (HKD100,000 Deductible) Deductible options: Silver level (HKD0 Deductible) Deductible options: Silver level (HKD16,000 Deductible) Deductible options: Silver level (HKD50,000 Deductible) Deductible options: Silver level (HKD100,000 Deductible) Deductible options: Gold level (HKD0 Deductible) Deductible options: Gold level (HKD16,000 Deductible) Deductible options: Gold level (HKD50,000 Deductible) Deductible options: Gold level (HKD100,000 Deductible) Deductible options: Diamond level (HKD0 Deductible) Deductible options: Diamond level (HKD16,000 Deductible) Deductible options: Diamond level (HKD50,000 Deductible) Deductible options: Diamond level (HKD100,000 Deductible) Deductible options: Platinum level (HKD0 Deductible) Deductible options: Platinum level (HKD16,000 Deductible) Deductible options: Platinum level (HKD50,000 Deductible) Deductible options: Platinum level (HKD100,000 Deductible) Room class: Bronze level (HKD0 Deductible): General ward, semi-private or standard private by entitled level; higher rooms attract adjustment factors. 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 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: 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