VHIS Series - flexi plan

The checked plan covers scheduled eligible hospital and surgery expenses, including room and board, doctors, intensive care and surgical fees, subject to benefit limits.Public source · Checked: 14 Oct 2026

Classic, Plus and Premium scheduled benefits have respective annual limits of HKD500,000, HKD1,000,000 and HKD2,000,000, with no lifetime limit for those items. These are distinct certified plan options.Public source · Checked: 14 Oct 2026

The checked brochure publishes an age-based premium schedule. Those published rates are historical schedule information, not a current quotation; rates are not guaranteed.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026

Renewal premiums are not guaranteed and can change with attained age, medical trends and inflation, benefit revisions and the plan overall claims and expenses.Public source · Checked: 14 Oct 2026

The annual contract is guaranteed renewable while the plan remains available, subject to premium payment and the terms at renewal; benefits and terms can be revised by written notice.Public source · Checked: 14 Oct 2026

Examples of exclusions include treatment that is not medically necessary and hospital stays solely for diagnostic or allied health services, unless the stated medical-necessity and day-patient conditions are met. This is not the complete exclusion list.Public source · Checked: 14 Oct 2026

Cancellation requires 30 days written notice, provided no claims have been paid or are outstanding. Unpaid premium for 31 days after the due date is also a termination trigger.Public source · Checked: 14 Oct 2026

For new contracts, a signed written cancellation request must reach the insurer within 21 days after policy or cooling-off notice delivery, whichever is earlier. No premium or levy refund is available if a claim payment has been made.Public source · Checked: 14 Oct 2026

Optional outpatient cover is available for Plus or Premium applicants and is outside the VHIS certified plan; its premiums do not qualify for VHIS tax deduction.Public source · Checked: 14 Oct 2026

Insurer claims guide · Medical / VHIS

Submit the completed claim form and required original supporting documents within 90 days after the clinical visit, operation, day case or hospital discharge. Late submission may be rejected.Public source · Checked: 14 Oct 2026

Medical / VHIS — Steps: Inpatient above HK$10,000: form parts I/II and posted originals. Outpatient below HK$10,000: upload receipts.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Medical / VHIS — Required documents: Inpatient: claimant I, physician II, final itemised bills/reports. Public hospital II may be waived with clear diagnosis evidence.Public source · Checked: 13 Oct 2026

Medical / VHIS — Deadlines / notification: Individual inpatient: notify in 30 days of hospitalisation; proof in 90 days of treatment. Small outpatient: 90 days of consultation.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Medical / VHIS — Submission channels: Large inpatient: Medical Claims, 26/F, 1111 King’s Rd by post. Small outpatient: Libbie by Liberty or EasyClaim.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Medical / VHIS — Payment methods: Payment follows the selected method; the reviewed pages do not list its available options.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Medical / VHIS — Assessment / payment timing: Large inpatient: receipt about 4 working days; processing about 14 after complete originals/evidence. Small outpatient: about 3–5.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 13 Oct 2026

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked: 13 Oct 2026

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked: 13 Oct 2026

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked: 13 Oct 2026

The checked brochure states no lifetime benefit limit and renewal up to age 100, subject to its renewal provisions.Public source · Checked: 14 Oct 2026Public source · Checked: 14 Oct 2026