USD VHIS plans: Renewable premium term

This page compares 3 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.

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Comparable facts
Product	Insurer	Product category	Policy currencies	Premium payment terms	Benefit term	Recorded features
AXA WiseGuard Pro Medical Insurance Plan	AXA China Region Insurance Company (Hong Kong) Limited	VHIS medical Source · Checked on: 2026-10-12	HKD / USD Source · Checked on: 2026-10-12	Renewable / Premiums and renewal conditions depend on the selected certified option; consult its policy terms. Source · Checked on: 2026-10-12	Renewable / Renewal age limits and conditions follow the selected certified option. Source · Checked on: 2026-10-12	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. Source · Checked on: 2026-10-12 Source · Checked on: 2026-10-12
PRUHealth VHIS VIP Plan	Prudential Hong Kong Limited	VHIS medical Source · Checked on: 2026-10-12	HKD / USD Source · 18 · Checked on: 2026-10-12	Renewable / Pay on annual renewal for life; rates are not guaranteed. Source · 18 · Checked on: 2026-10-12	Whole life / Annual renewal; premiums may change at renewal. Source · 18 · Checked on: 2026-10-12	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. Source · Checked on: 2026-10-12
Smart Medicare	AXA China Region Insurance Company (Hong Kong) Limited	VHIS medical Source · Checked on: 2026-10-12	HKD / USD Source · Checked on: 2026-10-12	Renewable / Premiums and renewal conditions depend on the selected certified option; consult its policy terms. Source · Checked on: 2026-10-12	Renewable / Renewal age limits and conditions follow the selected certified option. Source · Checked on: 2026-10-12	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. Source · Checked on: 2026-10-12

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