{"attribution":{"compiledBy":"Hong Kong Insurance Connect","compiledByZh":"港險通","legalName":"Pineapple bun bun Limited","url":"https://buyhongkonginsurance.com","license":"© Hong Kong Insurance Connect (Pineapple bun bun Limited). CC BY 4.0: cite us with a link; figures are insurers' disclosures.","cite":"Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link."},"group":{"slug":"insurer-zurich-insurance-company-ltd-medical-vhis","kind":"insurer","type":"medical-vhis"},"summary":{"en":"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.","zh-hant":"本頁比較 3 款產品。 比較已記錄的產品事實及公開來源。繳費選項、年齡條件及貨幣分別列示。 相同標籤不代表符合投保資格；請核對各選項條件。","zh-hans":"本页比较 3 款产品。 比较已记录的产品事实及公开来源。缴费选项、年龄条件及货币分别列示。 相同标签不代表符合投保资格；请核对各选项条件。"},"ratioCaveat":{"en":"Past fulfillment ratios do not indicate future performance. Non-guaranteed benefits can change. These tables provide general information, without rankings or product recommendations.","zh-hant":"過往分紅實現率並非未來表現的指標。非保證利益可能改變。此處僅提供一般資訊，沒有排名或產品推薦。","zh-hans":"过往分红实现率并非未来表现的指标。非保证利益可能改变。此处仅提供一般信息，没有排名或产品推荐。"},"comparableFields":["type","currencies","premiumTerms","benefitTerm","issueAges","keyFeatures","vhisPlanType","annualLimit","lifetimeLimit","renewal","keyExclusions"],"products":[{"slug":"zurich-healthflexi-plus-voluntary-health-insurance-plan","names":{"en":"HealthFlexi Plus Voluntary Health Insurance Plan","zh-hant":"「智選無憂+」自願醫療保障計劃","zh-hans":"「智选无忧+」自愿医疗保障计划"},"nameBasis":"insurer-published","insurerSlug":"zurich-insurance-company-ltd","productPaths":["/insurers/zurich-insurance-company-ltd/zurich-healthflexi-plus-voluntary-health-insurance-plan/","/zh-hant/insurers/zurich-insurance-company-ltd/zurich-healthflexi-plus-voluntary-health-insurance-plan/","/zh-hans/insurers/zurich-insurance-company-ltd/zurich-healthflexi-plus-voluntary-health-insurance-plan/"],"insurerPaths":["/insurers/zurich-insurance-company-ltd/","/zh-hant/insurers/zurich-insurance-company-ltd/","/zh-hans/insurers/zurich-insurance-company-ltd/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/images/individuals/vhis/product-brochure-eng.pdf","page":10,"title":"Zurich VHIS Series — brochure page 10, plan information; 1HV-001-09-2021E","date":"2021-09","checkedOn":"2026-10-21"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"Pay annually or monthly for each policy year; renewal premiums may change.","zh-hant":"每個保單年度可年繳或月繳；續保保費可調整。","zh-hans":"每个保单年度可年缴或月缴；续保保费可调整。"}}],"display":{"en":["Renewable / Pay annually or monthly for each policy year; renewal premiums may change."],"zh-hant":["可續保 / 每個保單年度可年繳或月繳；續保保費可調整。"],"zh-hans":["可续保 / 每个保单年度可年缴或月缴；续保保费可调整。"]},"sources":[{"url":"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/images/individuals/vhis/product-brochure-eng.pdf","page":10,"title":"Zurich VHIS Series — brochure page 10, plan information; 1HV-001-09-2021E","date":"2021-09","checkedOn":"2026-10-21"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證續保至100歲；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证续保至100岁；保费可按组合调整，须符合保单续保条件。"}},"display":{"en":["Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["可續保 / 保證續保至100歲；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["可续保 / 保证续保至100岁；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/medical-insurance/voluntary-health-insurance-scheme/prestige_healthflexiplus_terms-and-conditions.pdf","page":11,"title":"Zurich healthflexi-plus — wording page 11, Part 4 renewal provisions; edition 12-2022","date":"2022-12","checkedOn":"2026-10-21"}]},{"field":"issueAges","value":[{"min":{"value":15,"unit":"days"},"max":{"value":80,"unit":"years"},"basis":"last-birthday","notes":null}],"display":{"en":["15 days to 80 years / Age basis: Age last birthday"],"zh-hant":["出生15日至80歲 / 年齡基準：上次生日年齡"],"zh-hans":["出生15日至80岁 / 年龄基准：上次生日年龄"]},"sources":[{"url":"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/images/individuals/vhis/product-brochure-eng.pdf","page":10,"title":"Zurich VHIS Series — brochure page 10, plan information; 1HV-001-09-2021E","date":"2021-09","checkedOn":"2026-10-21"},{"url":"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/medical-insurance/voluntary-health-insurance-scheme/prestige_healthflexiplus_standard-premium-schedule.pdf","page":1,"title":"Zurich healthflexi-plus — premium schedule page 1, age 30 male; notes on final page; effective 2019-10-16","date":"2019-10-16","checkedOn":"2026-10-21"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","zh-hant":"醫務衞生局名單上的自願醫保靈活計劃；保障、不保事項及自付費視所選認可選項而定。","zh-hans":"医务卫生局名单上的自愿医保灵活计划；保障、不保事项及自付费视所选认可选项而定。"},{"en":"Rate example, effective 2019-10-16: male 30 last birthday, Prestige, Asia, zero deductible, HKD 9,072 annually before levy.","zh-hant":"公布費率示例，2019-10-16 生效；男性，上次生日 30 歲，尊貴，亞洲，零自付費，年繳 HKD 9,072，未含徵費。","zh-hans":"公布费率示例，2019-10-16 生效；男性，上次生日 30 岁，尊贵，亚洲，零免赔额，年缴 HKD 9,072，未含征费。"}],"display":{"en":["VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","Rate example, effective 2019-10-16: male 30 last birthday, Prestige, Asia, zero deductible, HKD 9,072 annually before levy."],"zh-hant":["醫務衞生局名單上的自願醫保靈活計劃；保障、不保事項及自付費視所選認可選項而定。","公布費率示例，2019-10-16 生效；男性，上次生日 30 歲，尊貴，亞洲，零自付費，年繳 HKD 9,072，未含徵費。"],"zh-hans":["医务卫生局名单上的自愿医保灵活计划；保障、不保事项及自付费视所选认可选项而定。","公布费率示例，2019-10-16 生效；男性，上次生日 30 岁，尊贵，亚洲，零免赔额，年缴 HKD 9,072，未含征费。"]},"sources":[{"url":"https://www.zurich.com.hk/en/products/accident-and-health/zurich-vhis-series","page":null,"title":"Zurich VHIS Series — plan comparison and Forms and documents sections","date":null,"checkedOn":"2026-10-21"},{"url":"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/medical-insurance/voluntary-health-insurance-scheme/prestige_healthflexiplus_standard-premium-schedule.pdf","page":1,"title":"Zurich healthflexi-plus — premium schedule page 1, age 30 male; notes on final page; effective 2019-10-16","date":"2019-10-16","checkedOn":"2026-10-21"}]},{"field":"vhisPlanType","value":[{"en":"Flexi Plan","zh-hant":"靈活計劃","zh-hans":"灵活计划"}],"display":{"en":["Flexi Plan"],"zh-hant":["靈活計劃"],"zh-hans":["灵活计划"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — current certified flexi plans","date":null,"checkedOn":"2026-10-12"}]},{"field":"annualLimit","value":[{"en":"HKD0 Deductible (Asia): HKD 6,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"0 港元自付費 (亞洲)：表列指定保障每保單年度限額 HKD 6,000,000；另設個別保障限額。","zh-hans":"0 港元自付费 （亚洲）：表列指定保障每保单年度限额 HKD 6,000,000；另设个别保障限额。"}],"display":{"en":["HKD0 Deductible (Asia): HKD 6,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply."],"zh-hant":["0 港元自付費 (亞洲)：表列指定保障每保單年度限額 HKD 6,000,000；另設個別保障限額。"],"zh-hans":["0 港元自付费 （亚洲）：表列指定保障每保单年度限额 HKD 6,000,000；另设个别保障限额。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00036/F00036-01-000-02-PlanDoc-e.pdf","page":62,"title":"Health Bureau — HealthFlexi Plus Voluntary Health Insurance Plan — HKD0 Deductible (Asia) benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"lifetimeLimit","value":[{"en":"HKD0 Deductible (Asia): HKD 25,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"0 港元自付費 (亞洲)：表列指定保障終身限額 HKD 25,000,000；另設個別保障限額。","zh-hans":"0 港元自付费 （亚洲）：表列指定保障终身限额 HKD 25,000,000；另设个别保障限额。"}],"display":{"en":["HKD0 Deductible (Asia): HKD 25,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply."],"zh-hant":["0 港元自付費 (亞洲)：表列指定保障終身限額 HKD 25,000,000；另設個別保障限額。"],"zh-hans":["0 港元自付费 （亚洲）：表列指定保障终身限额 HKD 25,000,000；另设个别保障限额。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00036/F00036-01-000-02-PlanDoc-e.pdf","page":62,"title":"Health Bureau — HealthFlexi Plus Voluntary Health Insurance Plan — HKD0 Deductible (Asia) benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"renewal","value":[{"en":"Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證續保至100歲；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证续保至100岁；保费可按组合调整，须符合保单续保条件。"}],"display":{"en":["Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["保證續保至100歲；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["保证续保至100岁；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00036/F00036-01-000-02-PlanDoc-e.pdf","page":18,"title":"Health Bureau — HealthFlexi Plus Voluntary Health Insurance Plan renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyExclusions","value":[{"en":"Selected exclusion: expenses for treatment, procedures, medication, tests or services that are not medically necessary. See full wording.","zh-hant":"部分不保事項包括非醫療所需的治療、程序、藥物、檢查或服務費用；詳見完整條款。","zh-hans":"部分除外责任包括非医疗必需的治疗、程序、药物、检查或服务费用；详见完整条款。"}],"display":{"en":["Selected exclusion: expenses for treatment, procedures, medication, tests or services that are not medically necessary. See full wording."],"zh-hant":["部分不保事項包括非醫療所需的治療、程序、藥物、檢查或服務費用；詳見完整條款。"],"zh-hans":["部分除外责任包括非医疗必需的治疗、程序、药物、检查或服务费用；详见完整条款。"]},"sources":[{"url":"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/medical-insurance/voluntary-health-insurance-scheme/prestige_healthflexiplus_terms-and-conditions.pdf","page":19,"title":"Zurich healthflexi-plus — wording page 19, Part 7 general exclusions; edition 12-2022","date":"2022-12","checkedOn":"2026-10-21"}]}],"ratioSeries":[]},{"slug":"zurich-healthflexi-voluntary-health-insurance-plan","names":{"en":"HealthFlexi Voluntary Health Insurance Plan","zh-hant":"「智選無憂」自願醫療保障計劃","zh-hans":"「智选无忧」自愿医疗保障计划"},"nameBasis":"insurer-published","insurerSlug":"zurich-insurance-company-ltd","productPaths":["/insurers/zurich-insurance-company-ltd/zurich-healthflexi-voluntary-health-insurance-plan/","/zh-hant/insurers/zurich-insurance-company-ltd/zurich-healthflexi-voluntary-health-insurance-plan/","/zh-hans/insurers/zurich-insurance-company-ltd/zurich-healthflexi-voluntary-health-insurance-plan/"],"insurerPaths":["/insurers/zurich-insurance-company-ltd/","/zh-hant/insurers/zurich-insurance-company-ltd/","/zh-hans/insurers/zurich-insurance-company-ltd/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/images/individuals/vhis/product-brochure-eng.pdf","page":10,"title":"Zurich VHIS Series — brochure page 10, plan information; 1HV-001-09-2021E","date":"2021-09","checkedOn":"2026-10-21"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"Pay annually or monthly for each policy year; renewal premiums may change.","zh-hant":"每個保單年度可年繳或月繳；續保保費可調整。","zh-hans":"每个保单年度可年缴或月缴；续保保费可调整。"}}],"display":{"en":["Renewable / Pay annually or monthly for each policy year; renewal premiums may change."],"zh-hant":["可續保 / 每個保單年度可年繳或月繳；續保保費可調整。"],"zh-hans":["可续保 / 每个保单年度可年缴或月缴；续保保费可调整。"]},"sources":[{"url":"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/images/individuals/vhis/product-brochure-eng.pdf","page":10,"title":"Zurich VHIS Series — brochure page 10, plan information; 1HV-001-09-2021E","date":"2021-09","checkedOn":"2026-10-21"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證續保至100歲；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证续保至100岁；保费可按组合调整，须符合保单续保条件。"}},"display":{"en":["Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["可續保 / 保證續保至100歲；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["可续保 / 保证续保至100岁；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/medical-insurance/voluntary-health-insurance-scheme/essential-and-advanced_healthflexi_terms-and-conditions.pdf","page":13,"title":"Zurich healthflexi — wording page 13, Part 4 renewal provisions; edition 12-2022","date":"2022-12","checkedOn":"2026-10-21"}]},{"field":"issueAges","value":[{"min":{"value":15,"unit":"days"},"max":{"value":80,"unit":"years"},"basis":null,"notes":null}],"display":{"en":["15 days to 80 years / Age basis: Not confirmed"],"zh-hant":["出生15日至80歲 / 年齡基準：未確認"],"zh-hans":["出生15日至80岁 / 年龄基准：未确认"]},"sources":[{"url":"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/images/individuals/vhis/product-brochure-eng.pdf","page":10,"title":"Zurich VHIS Series — brochure page 10, plan information; 1HV-001-09-2021E","date":"2021-09","checkedOn":"2026-10-21"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","zh-hant":"醫務衞生局名單上的自願醫保靈活計劃；保障、不保事項及自付費視所選認可選項而定。","zh-hans":"医务卫生局名单上的自愿医保灵活计划；保障、不保事项及自付费视所选认可选项而定。"},{"en":"Linked schedule, effective 2020-07-20, lists -01 plan IDs; existing -02 rates unconfirmed. No rate transferred between editions.","zh-hant":"連結的保費表於 2020-07-20 生效，列出 -01 計劃編號；現有 -02 費率未確認，不跨版本套用。","zh-hans":"链接的保费表于 2020-07-20 生效，列出 -01 计划编号；现有 -02 费率未确认，不跨版本套用。"}],"display":{"en":["VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","Linked schedule, effective 2020-07-20, lists -01 plan IDs; existing -02 rates unconfirmed. No rate transferred between editions."],"zh-hant":["醫務衞生局名單上的自願醫保靈活計劃；保障、不保事項及自付費視所選認可選項而定。","連結的保費表於 2020-07-20 生效，列出 -01 計劃編號；現有 -02 費率未確認，不跨版本套用。"],"zh-hans":["医务卫生局名单上的自愿医保灵活计划；保障、不保事项及自付费视所选认可选项而定。","链接的保费表于 2020-07-20 生效，列出 -01 计划编号；现有 -02 费率未确认，不跨版本套用。"]},"sources":[{"url":"https://www.zurich.com.hk/en/products/accident-and-health/zurich-vhis-series","page":null,"title":"Zurich VHIS Series — plan comparison and Forms and documents sections","date":null,"checkedOn":"2026-10-21"},{"url":"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/medical-insurance/voluntary-health-insurance-scheme/g20014_vhis_premium_table_v41(1).pdf","page":1,"title":"Zurich healthflexi — premium schedule page 1, age 30 male; notes on final page; effective 2020-07-20","date":"2020-07-20","checkedOn":"2026-10-21"}]},{"field":"vhisPlanType","value":[{"en":"Flexi Plan","zh-hant":"靈活計劃","zh-hans":"灵活计划"}],"display":{"en":["Flexi Plan"],"zh-hant":["靈活計劃"],"zh-hans":["灵活计划"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — current certified flexi plans","date":null,"checkedOn":"2026-10-12"}]},{"field":"annualLimit","value":[{"en":"Essential: HKD 550,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"精選：表列指定保障每保單年度限額 HKD 550,000；另設個別保障限額。","zh-hans":"精选：表列指定保障每保单年度限额 HKD 550,000；另设个别保障限额。"},{"en":"Advanced: HKD 750,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"特選：表列指定保障每保單年度限額 HKD 750,000；另設個別保障限額。","zh-hans":"特选：表列指定保障每保单年度限额 HKD 750,000；另设个别保障限额。"}],"display":{"en":["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."],"zh-hant":["精選：表列指定保障每保單年度限額 HKD 550,000；另設個別保障限額。","特選：表列指定保障每保單年度限額 HKD 750,000；另設個別保障限額。"],"zh-hans":["精选：表列指定保障每保单年度限额 HKD 550,000；另设个别保障限额。","特选：表列指定保障每保单年度限额 HKD 750,000；另设个别保障限额。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00044/F00044-01-000-02-PlanDoc-e.pdf","page":59,"title":"Health Bureau — HealthFlexi Voluntary Health Insurance Plan — Essential benefit schedule","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00044/F00044-02-000-02-PlanDoc-e.pdf","page":59,"title":"Health Bureau — HealthFlexi Voluntary Health Insurance Plan — Advanced benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"lifetimeLimit","value":[{"en":"Essential: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.","zh-hant":"精選：表列指定保障不設終身總限額；個別項目限額仍適用。","zh-hans":"精选：表列指定保障不设终身总限额；个别项目限额仍适用。"}],"display":{"en":["Essential: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply."],"zh-hant":["精選：表列指定保障不設終身總限額；個別項目限額仍適用。"],"zh-hans":["精选：表列指定保障不设终身总限额；个别项目限额仍适用。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00044/F00044-01-000-02-PlanDoc-e.pdf","page":60,"title":"Health Bureau — HealthFlexi Voluntary Health Insurance Plan — Essential benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"renewal","value":[{"en":"Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證續保至100歲；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证续保至100岁；保费可按组合调整，须符合保单续保条件。"}],"display":{"en":["Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["保證續保至100歲；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["保证续保至100岁；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00044/F00044-01-000-02-PlanDoc-e.pdf","page":19,"title":"Health Bureau — HealthFlexi Voluntary Health Insurance Plan renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyExclusions","value":[{"en":"Selected exclusion: expenses for treatment, procedures, medication, tests or services that are not medically necessary. See full wording.","zh-hant":"部分不保事項包括非醫療所需的治療、程序、藥物、檢查或服務費用；詳見完整條款。","zh-hans":"部分除外责任包括非医疗必需的治疗、程序、药物、检查或服务费用；详见完整条款。"}],"display":{"en":["Selected exclusion: expenses for treatment, procedures, medication, tests or services that are not medically necessary. See full wording."],"zh-hant":["部分不保事項包括非醫療所需的治療、程序、藥物、檢查或服務費用；詳見完整條款。"],"zh-hans":["部分除外责任包括非医疗必需的治疗、程序、药物、检查或服务费用；详见完整条款。"]},"sources":[{"url":"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/medical-insurance/voluntary-health-insurance-scheme/essential-and-advanced_healthflexi_terms-and-conditions.pdf","page":24,"title":"Zurich healthflexi — wording page 24, Part 7 general exclusions; edition 12-2022","date":"2022-12","checkedOn":"2026-10-21"}]}],"ratioSeries":[]},{"slug":"zurich-healthsure-voluntary-health-insurance-plan","names":{"en":"HealthSure Voluntary Health Insurance Plan","zh-hant":"「智選守護」自願醫療保障計劃","zh-hans":"「智选守护」自愿医疗保障计划"},"nameBasis":"insurer-published","insurerSlug":"zurich-insurance-company-ltd","productPaths":["/insurers/zurich-insurance-company-ltd/zurich-healthsure-voluntary-health-insurance-plan/","/zh-hant/insurers/zurich-insurance-company-ltd/zurich-healthsure-voluntary-health-insurance-plan/","/zh-hans/insurers/zurich-insurance-company-ltd/zurich-healthsure-voluntary-health-insurance-plan/"],"insurerPaths":["/insurers/zurich-insurance-company-ltd/","/zh-hant/insurers/zurich-insurance-company-ltd/","/zh-hans/insurers/zurich-insurance-company-ltd/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/images/individuals/vhis/product-brochure-eng.pdf","page":10,"title":"Zurich VHIS Series — brochure page 10, plan information; 1HV-001-09-2021E","date":"2021-09","checkedOn":"2026-10-21"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"Pay annually or monthly for each policy year; renewal premiums may change.","zh-hant":"每個保單年度可年繳或月繳；續保保費可調整。","zh-hans":"每个保单年度可年缴或月缴；续保保费可调整。"}}],"display":{"en":["Renewable / Pay annually or monthly for each policy year; renewal premiums may change."],"zh-hant":["可續保 / 每個保單年度可年繳或月繳；續保保費可調整。"],"zh-hans":["可续保 / 每个保单年度可年缴或月缴；续保保费可调整。"]},"sources":[{"url":"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/images/individuals/vhis/product-brochure-eng.pdf","page":10,"title":"Zurich VHIS Series — brochure page 10, plan information; 1HV-001-09-2021E","date":"2021-09","checkedOn":"2026-10-21"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證續保至100歲；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证续保至100岁；保费可按组合调整，须符合保单续保条件。"}},"display":{"en":["Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["可續保 / 保證續保至100歲；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["可续保 / 保证续保至100岁；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/medical-insurance/voluntary-health-insurance-scheme/standard_healthsure_terms-and-conditions.pdf","page":13,"title":"Zurich healthsure — wording page 13, Part 4 renewal provisions; edition 12-2022","date":"2022-12","checkedOn":"2026-10-21"}]},{"field":"issueAges","value":[{"min":{"value":15,"unit":"days"},"max":{"value":80,"unit":"years"},"basis":"last-birthday","notes":null}],"display":{"en":["15 days to 80 years / Age basis: Age last birthday"],"zh-hant":["出生15日至80歲 / 年齡基準：上次生日年齡"],"zh-hans":["出生15日至80岁 / 年龄基准：上次生日年龄"]},"sources":[{"url":"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/images/individuals/vhis/product-brochure-eng.pdf","page":10,"title":"Zurich VHIS Series — brochure page 10, plan information; 1HV-001-09-2021E","date":"2021-09","checkedOn":"2026-10-21"},{"url":"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/medical-insurance/voluntary-health-insurance-scheme/standard_healthsure_standard-premium-schedule.pdf","page":1,"title":"Zurich healthsure — premium schedule page 1, age 30 male; notes on final page; effective 2019-10-16","date":"2019-10-16","checkedOn":"2026-10-21"}]},{"field":"keyFeatures","value":[{"en":"VHIS Standard Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","zh-hant":"醫務衞生局名單上的自願醫保標準計劃；保障、不保事項及自付費以所選認可選項為準。","zh-hans":"医务卫生局名单上的自愿医保标准计划；保障、不保事项及自付费以所选认可选项为准。"},{"en":"Rate example, effective 2019-10-16: male 30 last birthday, Standard, HKD 2,220 annually before levy.","zh-hant":"公布費率示例，2019-10-16 生效；男性，上次生日 30 歲，標準，年繳 HKD 2,220，未含徵費。","zh-hans":"公布费率示例，2019-10-16 生效；男性，上次生日 30 岁，标准，年缴 HKD 2,220，未含征费。"}],"display":{"en":["VHIS Standard Plan listed by the Health Bureau. 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See full wording.","zh-hant":"部分不保事項包括非醫療所需的治療、程序、藥物、檢查或服務費用；詳見完整條款。","zh-hans":"部分除外责任包括非医疗必需的治疗、程序、药物、检查或服务费用；详见完整条款。"}],"display":{"en":["Selected exclusion: expenses for treatment, procedures, medication, tests or services that are not medically necessary. See full wording."],"zh-hant":["部分不保事項包括非醫療所需的治療、程序、藥物、檢查或服務費用；詳見完整條款。"],"zh-hans":["部分除外责任包括非医疗必需的治疗、程序、药物、检查或服务费用；详见完整条款。"]},"sources":[{"url":"https://edge.sitecorecloud.io/zurichinsurf8c0-zwpshared-prod-d824/media/project/zurich-headless/hongkong/docs/individuals/medical-insurance/voluntary-health-insurance-scheme/standard_healthsure_terms-and-conditions.pdf","page":24,"title":"Zurich healthsure — wording page 24, Part 7 general exclusions; edition 12-2022","date":"2022-12","checkedOn":"2026-10-21"}]}],"ratioSeries":[]}]}