VHIS standard 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

Scheduled benefits share an annual limit of HKD420,000 with no lifetime limit; each benefit also has its scheduled sublimit.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

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