VHIS Standard Care

The checked certified variant reimburses actual eligible expenses, subject to its benefit limits and cost-sharing arrangements; benefits are not a fixed cash payment for every medical event.Public source · Checked: 14 Oct 2026

In the checked HKD certified variant, the scheduled annual benefit limit is HKD420,000 for the listed benefit items, with no lifetime benefit limit; individual benefit limits and other terms apply.Public source · Checked: 14 Oct 2026

In the checked variants, premiums for a policy year, or agreed instalments, must be paid in advance when due before benefits are payable; the amount is specified in the policy schedule or renewal notice.Public source · Checked: 14 Oct 2026

In the checked variants, at renewal, standard premiums may be adjusted on an overall portfolio basis under the prevailing premium schedule.Public source · Checked: 14 Oct 2026

In the checked variants, renewal is guaranteed up to age 100 of the insured person, subject to the renewal provisions.Public source · Checked: 14 Oct 2026

For unknown pre-existing conditions as defined in the checked terms, reimbursement is 0% in policy year 1, 25% in year 2, 50% in year 3 and full cover from year 4, subject to policy terms.Public source · Checked: 14 Oct 2026

Examples of exclusions in the checked certified terms include expenses for treatment, procedures, medications, tests or services that are not medically necessary. Further exclusions and exceptions apply.Public source · Checked: 14 Oct 2026

In the checked variants, after cooling-off, cancellation requires 30 days’ prior written notice and no benefit payment in the relevant policy year.Public source · Checked: 14 Oct 2026

In the checked variants, the insurer must receive signed cancellation within 21 days after policy documents or the cooling-off notice are delivered, whichever is earlier; this right does not apply at renewal. Refund is unavailable if a benefit payment has been made, is to be made or is impending.Public source · Checked: 14 Oct 2026

Insurer claims guide · Medical / VHIS

In the checked variants, submit claims within 90 days of hospital discharge or completion of the medical service, with original receipts or itemised bills, diagnosis and required supporting documents.Public source · Checked: 14 Oct 2026

Medical / VHIS — Steps: Enter policy, contact, claim and bank details, upload documents and submit; use the tracking number for status enquiries.Public source · Checked: 13 Oct 2026

Medical / VHIS — Required documents: Policy number, medical report/referral; hospital receipt/discharge evidence and physician statement, or outpatient receipt as applicable.Public source · Checked: 13 Oct 2026

Medical / VHIS — Submission channels: EASY Claims online or completed paper form by post to Claims Department, 9/F, 1111 King’s Road, Taikoo Shing.Public source · Checked: 13 Oct 2026

Medical / VHIS — Payment methods: Approved online claims are paid directly into the supplied bank account.Public source · Checked: 13 Oct 2026

Medical / VHIS — Deadlines / notification: H745: 30 days after discharge/day surgery. Webpage postal text: 30 days after accident. Confirm the policy trigger.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

In these checked variants, a change in residence can lead to re-underwriting at renewal only where residence was considered before inception, that consideration and possible re-underwriting were disclosed at application, and the insurer has accessible underwriting practices showing how the change affects the result. Re-underwriting must consider only that change; its result may be favourable or adverse. The insurer must request notification of a residence change at renewal, and the policyholder must notify it when requested.Public source · Checked: 14 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

VHIS plan type: Standard PlanPublic source · Checked: 13 Oct 2026