Zurich VHIS plans compared

Compare 3 products sharing Zurich / VHIS medical: currencies HKD, premium-payment options Renewable, 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 2019–2022 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)
HealthFlexi Plus Voluntary Health Insurance Plan	Zurich	VHIS medical Source1	HKD Source2	Renewable / Pay annually or monthly for each policy year; renewal premiums may change. Source2	Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Source3	15 days to 80 years / Age basis: Age last birthday Source2 Source4	VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option. Rate example, effective 16 Oct 2019: male 30 last birthday, Prestige, Asia, zero deductible, HKD 9,072 annually before levy. Source5 Source4	Flexi Plan Source6	HKD0 Deductible (Asia): HKD 6,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Source7	HKD0 Deductible (Asia): HKD 25,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply. Source7	Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Source8	Selected exclusion: expenses for treatment, procedures, medication, tests or services that are not medically necessary. See full wording. Source9
HealthFlexi Voluntary Health Insurance Plan	Zurich	VHIS medical Source1	HKD Source2	Renewable / Pay annually or monthly for each policy year; renewal premiums may change. Source2	Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Source10	15 days to 80 years / Age basis: Not confirmed Source2	VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option. Linked schedule, effective 20 Jul 2020, lists -01 plan IDs; existing -02 rates unconfirmed. No rate transferred between editions. Source5 Source11	Flexi Plan Source6	Essential: HKD 550,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Advanced: HKD 750,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Source12 Source13	Essential: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply. Source14	Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Source15	Selected exclusion: expenses for treatment, procedures, medication, tests or services that are not medically necessary. See full wording. Source16
HealthSure Voluntary Health Insurance Plan	Zurich	VHIS medical Source17	HKD Source2	Renewable / Pay annually or monthly for each policy year; renewal premiums may change. Source2	Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Source18	15 days to 80 years / Age basis: Age last birthday Source2 Source19	VHIS Standard Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option. Rate example, effective 16 Oct 2019: male 30 last birthday, Standard, HKD 2,220 annually before levy. Source5 Source19	Standard Plan Source20	Standard Plan: HKD 420,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Source21	Standard Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply. Source21	Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Source22	Selected exclusion: expenses for treatment, procedures, medication, tests or services that are not medically necessary. See full wording. Source23

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	HealthFlexi Plus Voluntary Health Insurance Plan	HealthFlexi Voluntary Health Insurance Plan	HealthSure Voluntary Health Insurance 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. Recorded features: Rate example, effective 16 Oct 2019: male 30 last birthday, Prestige, Asia, zero deductible, HKD 9,072 annually before levy. Public source · Checked 21 Oct 2026Public source · Checked 21 Oct 2026Public source · Checked 21 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. Recorded features: Linked schedule, effective 20 Jul 2020, lists -01 plan IDs; existing -02 rates unconfirmed. No rate transferred between editions. Public source · Checked 21 Oct 2026Public source · Checked 21 Oct 2026Public source · Checked 21 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. Recorded features: Rate example, effective 16 Oct 2019: male 30 last birthday, Standard, HKD 2,220 annually before levy. Public source · Checked 21 Oct 2026Public source · Checked 21 Oct 2026Public source · Checked 21 Oct 2026
Benefit limits	Annual benefit limit: HKD0 Deductible (Asia): HKD 6,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Lifetime benefit limit: HKD0 Deductible (Asia): HKD 25,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply. Public source · Checked 12 Oct 2026	Annual benefit limit: Essential: HKD 550,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Annual benefit limit: Advanced: HKD 750,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Lifetime benefit limit: Essential: 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 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	Annual renewal is guaranteed to age 100, subject to the renewal provisions and payment of the prevailing premium; premium, benefits and terms may be amended on renewal.Public source · Checked 13 Oct 2026	Annual renewal is guaranteed to age 100, subject to the renewal provisions and payment of the prevailing premium; premium, benefits and terms may be amended on renewal.Public source · Checked 13 Oct 2026	Annual renewal is guaranteed to age 100, subject to the renewal provisions and payment of the prevailing premium; premium, benefits and terms may be amended on renewal.Public source · Checked 13 Oct 2026
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 the terms and benefits.Public source · Checked 13 Oct 2026	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 the terms and benefits.Public source · Checked 13 Oct 2026	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 the terms and benefits.Public source · Checked 13 Oct 2026
Main exclusions	Published key exclusions (not exhaustive): Selected exclusion: expenses for treatment, procedures, medication, tests or services that are not medically necessary. See full wording.Public source · Checked 21 Oct 2026	Published key exclusions (not exhaustive): Selected exclusion: expenses for treatment, procedures, medication, tests or services that are not medically necessary. See full wording.Public source · Checked 21 Oct 2026	Published key exclusions (not exhaustive): Selected exclusion: expenses for treatment, procedures, medication, tests or services that are not medically necessary. See full wording.Public source · Checked 21 Oct 2026
Deductibles / room / renewal	VHIS plan type: Flexi Plan Deductible options: HKD0 Deductible (Asia) Deductible options: HKD60,000 Deductible (Asia) Show all 12 Deductible options: HKD90,000 Deductible (Asia) Deductible options: HKD150,000 Deductible (Asia) Deductible options: HKD0 Deductible (Worldwide excluding the U.S.) Deductible options: HKD60,000 Deductible (Worldwide excluding the U.S.) Deductible options: HKD90,000 Deductible (Worldwide excluding the U.S.) Deductible options: HKD150,000 Deductible (Worldwide excluding the U.S.) Room class: HKD0 Deductible (Asia): Standard semi-private room; higher rooms attract the published accommodation adjustment. Renewal conditions: Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. The current brochure lists issue ages from 15 days to age 80. The table does not state the birthday calculation basis. Public source · Checked 12 Oct 2026Public source · Checked 12 Oct 2026Public source · Checked 12 Oct 2026Public source · Checked 13 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. The current brochure lists issue ages from 15 days to age 80. The table does not state the birthday calculation basis. Show all 5 The policy provisions define Age as the attained age of the insured person. They do not define a last- or next-birthday calculation in that definition. The HealthFlexi premium schedule currently linked by Zurich defines age as age last birthday. Its stated effective date is 20 Jul 2020. This documents the premium schedule’s age basis; the current brochure’s issue- age table does not separately state a birthday basis. Public source · Checked 12 Oct 2026Public source · Checked 12 Oct 2026Public source · Checked 13 Oct 2026Public source · Checked 13 Oct 2026Public source · Checked 13 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. The current brochure lists issue ages from 15 days to age 80. The table does not state the birthday calculation basis. Public source · Checked 12 Oct 2026Public source · Checked 12 Oct 2026Public source · Checked 13 Oct 2026