HKD VHIS plans: Renewable premium term
This page compares 7 products. Compare recorded product facts and their public sources. Payment options, age conditions and currencies remain separate facts. Shared labels do not confirm eligibility. Check each option's conditions.
AI agents can read our sourced facts through the read-only MCP service. MCP server card ·Published fact index
Comparison JSON · Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link.
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:
| Product | Insurer | Product category | Policy currencies | Premium payment terms | Benefit term | Issue ages & basis | Recorded features | VHIS plan type | Deductible options | Annual benefit limit | Lifetime benefit limit | Room class | Renewal conditions | Published key exclusions (not exhaustive) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| AXA WiseGuard Pro Medical Insurance Plan | AXA China Region Insurance Company (Hong Kong) Limited | VHIS medical
| HKD / USD
| Renewable / Premiums and renewal conditions depend on the selected certified option; consult its policy terms.
| Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.
| No public field citation recorded | VHIS Flexi Plan listed by the Health Bureau; benefits and exclusions follow the selected certified plan version. Regular / Enhance annual limits: HKD5 million / HKD25 million; no lifetime limit. Policy conditions apply. Example certified option: Regular (HKD0 Deductible) (HKD). Other options have separate terms. | Flexi Plan
| Regular (HKD0 Deductible) Regular (HKD20,000 Deductible) Regular (HKD50,000 Deductible) Enhance (HKD0 Deductible) Enhance (HKD20,000 Deductible) Enhance (HKD50,000 Deductible) Premier (HKD0 Deductible) Premier (HKD20,000 Deductible) Premier (HKD50,000 Deductible) Regular (USD0 Deductible) Regular (USD2,500 Deductible) Regular (USD6,250 Deductible) Enhance (USD0 Deductible) Enhance (USD2,500 Deductible) Enhance (USD6,250 Deductible) Premier (USD0 Deductible) Premier (USD2,500 Deductible) Premier (USD6,250 Deductible) Noble (HKD0 Deductible) Noble (HKD20,000 Deductible) Noble (HKD50,000 Deductible) Noble (USD0 Deductible) Noble (USD2,500 Deductible) Noble (USD6,250 Deductible)
| Regular (HKD0 Deductible): HKD 5,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Enhance (HKD0 Deductible): HKD 25,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Premier (HKD0 Deductible): HKD 30,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Regular (USD0 Deductible): USD 645,161 per policy year for the schedule's specified benefits; separate benefit limits may apply. Enhance (USD0 Deductible): USD 3,225,806 per policy year for the schedule's specified benefits; separate benefit limits may apply. Premier (USD0 Deductible): USD 3,870,968 per policy year for the schedule's specified benefits; separate benefit limits may apply. Noble (HKD0 Deductible): HKD 40,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Noble (USD0 Deductible): USD 5,161,290 per policy year for the schedule's specified benefits; separate benefit limits may apply.
| Regular (HKD0 Deductible): no aggregate lifetime cap for the schedule's specified benefits; item limits still apply. Regular (USD0 Deductible): no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.
| Regular (HKD0 Deductible): Entitled classes include general ward, semi-private and standard private; selected tier applies.
| Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.
| 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.
|
| Manulife First VHIS Flexi Plan | Manulife (International) Limited | VHIS medical
| HKD
| Renewable / Pay each policy year throughout life; premiums are not guaranteed.
| Renewable / Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.
| No public field citation recorded | VHIS Flexi Plan listed by the Health Bureau; benefits and exclusions follow the selected certified plan version. Example certified option: Ward (HKD). Other options have separate terms.
| Flexi Plan
| No public field citation recorded | Ward: no aggregate annual cap for the schedule's specified benefits; item limits still apply.
| Ward: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.
| Ward / semi-private / private room; selected level and SMM option apply.
| Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.
| 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.
|
| Manulife Shelter VHIS Standard Plan | Manulife (International) Limited | VHIS medical
| HKD
| Renewable / Pay each policy year up to age 100; premiums are not guaranteed.
| Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.
| 15 days – 80 years / Age basis: Actual age
| Certified VHIS Standard Plan; annual benefit limit HKD420,000. Room and board: HKD750 per day, up to 180 days per policy year; benefit limits and exclusions apply.
| Standard Plan
| No public field citation recorded | Standard Plan: HKD 420,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.
| Standard Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.
| No public field citation recorded | Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.
| 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.
|
| Manulife Supreme VHIS Flexi Plan | Manulife (International) Limited | VHIS medical
| HKD
| Renewable / Pay each policy year throughout life; premiums are not guaranteed.
| Renewable / Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.
| No public field citation recorded | VHIS Flexi Plan listed by the Health Bureau; benefits and exclusions follow the selected certified plan version. Example certified option: Advance (HKD0 Deductible) (HKD). Other options have separate terms.
| Flexi Plan
| Advance (HKD0 Deductible) Advance (HKD8,000 Deductible) Advance (HKD22,800 Deductible) Advance (HKD45,000 Deductible) Advance (HKD100,000 Deductible) Smart (HKD0 Deductible) Smart (HKD22,800 Deductible) Smart (HKD45,000 Deductible) Smart (HKD100,000 Deductible) Deluxe (HKD0 Deductible) Deluxe (HKD8,000 Deductible) Deluxe (HKD22,800 Deductible) Deluxe (HKD45,000 Deductible) Deluxe (HKD100,000 Deductible)
| Advance (HKD0 Deductible): HKD 12,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Smart (HKD0 Deductible): HKD 5,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Deluxe (HKD0 Deductible): HKD 30,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.
| Advance (HKD0 Deductible): HKD 60,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply. Smart (HKD0 Deductible): HKD 20,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply. Deluxe (HKD0 Deductible): HKD 120,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply.
| No public field citation recorded | Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.
| 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.
|
| PRUHealth CoreChoice Medical Plan | Prudential Hong Kong Limited | VHIS medical
| HKD
| Renewable / Pay on annual renewal up to attained age 100; rates are not guaranteed.
| Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.
| 15 days – 80 years / Age basis: Actual age / Hong Kong residents only; basic plan or supplementary benefit.
| Certified VHIS Standard Plan; annual benefit limit HKD420,000; no lifetime benefit limit. Hong Kong residents only; basic plan or supplementary benefit.
| Standard Plan
| No public field citation recorded | Standard Plan: HKD 420,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.
| Standard Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.
| No public field citation recorded | Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.
| 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.
|
| PRUHealth VHIS VIP Plan | Prudential Hong Kong Limited | VHIS medical
| HKD / USD
| Renewable / Pay on annual renewal for life; rates are not guaranteed.
| Renewable / Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.
| 15 days – 80 years / Age basis: Actual age / Hong Kong residents only; basic plan or supplementary benefit.
| Certified VHIS Flexi Plan; Asia (including Australia and New Zealand) or worldwide except USA cover. HKD limits: annual HKD12,000,000 and lifetime HKD56,000,000; benefit terms and deductible apply. Hong Kong residents only; basic plan or supplementary benefit.
| Flexi Plan
| HKD0 Deductible (Asia) HKD20,000 Deductible (Asia) HKD50,000 Deductible (Asia) USD0 Deductible (Asia) USD2,500 Deductible (Asia) USD6,250 Deductible (Asia) HKD96,000 Deductible (Asia) USD12,000 Deductible (Asia) HKD0 Deductible (Worldwide except USA) HKD20,000 Deductible (Worldwide except USA) HKD50,000 Deductible (Worldwide except USA) HKD96,000 Deductible (Worldwide except USA) USD0 Deductible (Worldwide except USA) USD2,500 Deductible (Worldwide except USA) USD6,250 Deductible (Worldwide except USA) USD12,000 Deductible (Worldwide except USA)
| HKD0 Deductible (Asia): HKD 12,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. USD0 Deductible (Asia): USD 1,500,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.
| HKD0 Deductible (Asia): HKD 56,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply. USD0 Deductible (Asia): USD 7,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply.
| HKD0 Deductible (Asia): Private room; higher rooms attract the published room adjustment percentage.
| Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.
| 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.
|
| Smart Medicare | AXA China Region Insurance Company (Hong Kong) Limited | VHIS medical
| HKD / USD
| Renewable / Premiums and renewal conditions depend on the selected certified option; consult its policy terms.
| Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.
| No public field citation recorded | VHIS Flexi Plan listed by the Health Bureau; benefits and exclusions follow the selected certified plan version. Example certified option: Regular (HKD) (HKD). Other options have separate terms.
| Flexi Plan
| No public field citation recorded | Regular (HKD): no aggregate annual cap for the schedule's specified benefits; item limits still apply. Regular (USD): no aggregate annual cap for the schedule's specified benefits; item limits still apply.
| Regular (HKD): no aggregate lifetime cap for the schedule's specified benefits; item limits still apply. Regular (USD): no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.
| No public field citation recorded | Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.
| 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.
|
Comparison groups
- HKD VHIS plans compared
- USD VHIS plans compared
- USD VHIS plans: Renewable premium term
- Prudential VHIS plans compared
- AXA VHIS plans compared
- Manulife VHIS plans compared