Approaching retirement
Before retirement, distinguish the end of employer benefits from the start of policy income. New medical cover still requires underwriting, and annuity payments may start later than your last salary. Check dates and guaranteed amounts rather than assuming a seamless handover.
General information only. The operator is a referrer, not a licensed insurance intermediary. We do not provide insurance advice or recommendations. A licensed broker is responsible for all advice and arrangements.
What usually matters
IA identifies the loss of employer group medical cover at retirement and age and health as factors in underwriting new medical insurance. IA: pre-retirement
QDAP tax relief depends on qualifying premiums actually paid and individual tax conditions; certification alone does not establish a tax saving after employment ends. IRD: qualifying annuity premium deductions
Questions to take to the broker
Ask about the gap between salary and annuity income, renewal premiums and the medical cover continuing after retirement.
Related sourced guides
Published product facts
Lists include every database record with a publicly sourced type matching the types below. Products and comparison groups appear A–Z by English name.The database is incomplete. Links do not confirm availability, residence acceptance, affordability or suitability.
- QDAP
- VHIS
- Medical
- ''BetterCare'' Medical Insurance Plan
- ''WiseCare'' Medical Insurance Plan
- AXA WiseGuard Pro Medical Insurance Plan
- BOC Life Standard VHIS
- Bowtie Pink VHIS Plan
- Bowtie VHIS Standard
- Guard Your Health Medical Insurance Plan
- HealthFlexi Plus Voluntary Health Insurance Plan
- HealthFlexi Voluntary Health Insurance Plan
- HealthSure Voluntary Health Insurance Plan
- Healthy Life Medical Insurance Plan
- HSBC Voluntary Health Insurance Flexi Plan
- HSBC Voluntary Health Insurance One Plan
- HSBC Voluntary Health Insurance Standard Plan
- ManuLeisure Deferred Annuity
- Manulife First VHIS Flexi Plan
- Manulife Shelter VHIS Standard Plan
- Manulife Supreme VHIS Flexi Plan
- PRUHealth CoreChoice Medical Plan
- PRUHealth VHIS VIP Plan
- PRURetirement Deferred Annuity Plan
- Smart Medicare
- SmartViva Flexi VHIS
- TaxVantage Medical Plan
- TaxVantage PrimeChoice Medical Plan
- vBooster Medical Plan
- vCore Medical Plan
- vPrime Medical Plan
- WeHealth
- WeHealth Plus
- WeHealth Prestige
Comparison groups
Residence and cross-border rules
Hong Kong residents can use the local guides above. Overseas readers of any nationality should also check residence-country rules. A Chinese passport does not establish tax residence.Mainland visitors receive information only. The whole sales process, including signing, must take place in Hong Kong.
- How to buy Hong Kong insurance from Australia
- How to buy Hong Kong insurance from Canada
- How to buy Hong Kong insurance from Japan
- How to buy Hong Kong insurance from Macau
- How to buy Hong Kong insurance from Mainland China
- How to buy Hong Kong insurance from Malaysia
- How to buy Hong Kong insurance from New Zealand
- How to buy Hong Kong insurance from Singapore
- How to buy Hong Kong insurance from Taiwan
- How to buy Hong Kong insurance from the United Kingdom
- How to buy Hong Kong insurance from the United States
Sources & verification dates
- IA: pre-retirement — Checked
- IRD: qualifying annuity premium deductions — Checked
Trust & licence checks — UK expats: Hong Kong insurance — Country guides