Freelancers and self-employed people
MPFA requires self-employed people aged 18–64 to join MPF unless exempt; low income alone does not remove enrolment. Mandatory contribution rules are separate. Checked . We provide information and referrals to a licensed Hong Kong broker, not advice.
What usually matters
MPFA requires self-employed people aged 18–64 to enrol regardless of relevant income unless exempt. Low relevant income can affect mandatory contributions; that is separate from enrolment. MPF is a retirement scheme, not personal medical or life insurance. MPFA: self-employed enrolment and contributions
Freelance status does not guarantee acceptance or a sum insured. Underwriting depends on the insurer; IA explains that assessment uses disclosed information. IA: disclosure and underwriting
Questions to take to the broker
Am I self-employed or an employee for MPF purposes? Does my income change mandatory contributions? Which earnings records does the insurer require? How do premiums fit irregular income? What medical cover applies without employer benefits? Is a proposed annuity tax deduction available in my assessment?
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.
- Term life
- VHIS
- Critical illness
- QDAP
- ''BetterCare'' Medical Insurance Plan
- ''WiseCare'' Medical Insurance Plan
- AIA Deferred Annuity Plan 2
- AIA Voluntary Health Insurance Flexi Scheme
- AXA WiseGuard Pro Medical Insurance Plan
- BOC Life Standard VHIS
- Bowtie Pink VHIS Plan
- Bowtie VHIS Standard
- Covermax Critical Illness Protector
- CoverVital Critical Illness Protector
- Crisis Care - Prime Whole Life Plan
- Critical Medical Care Insurance Plan II
- FlexiRetire Annuity Plan
- Foresight Deferred Annuity Plan
- 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
- Level-Up Protect Cancer Insurance Plan
- Level-Up Protect Pearl Cancer Insurance Plan
- LionAlong
- LionGuardian Beyond
- ManuBright Care 2 Plus
- ManuLeisure Deferred Annuity
- Manulife First VHIS Flexi Plan
- Manulife Shelter VHIS Standard Plan
- Manulife Supreme VHIS Flexi Plan
- ManuLove Care
- ManuVital Care
- On Your Side Insurance Plan 2
- One/Five Year Term Plan II
- PRUHealth CoreChoice Medical Plan
- PRUHealth VHIS VIP Plan
- PRURetirement Deferred Annuity Plan
- Smart Medicare
- SmartViva Flexi VHIS
- SunHealth Cancer Shield
- SunHealth LovePromise
- SunPlus
- SunWell Advanced Care
- SunWell Advanced Care - Baby Care
- SunWell Essential Care
- SunWell Supreme Care
- SunWell Supreme Care - Baby Care
- Taiping Fortunelife Critical Illness Protector
- Taiping Life VHIS Flexi Plan
- Taiping Life VHIS Priority Plan
- Taiping Life VHIS Standard Plan
- taiping-life-ci-double
- taiping-life-ci-double-baby
- taiping-life-deferred-annuity-iii
- taiping-life-term-life
- TaxVantage Medical Plan
- TaxVantage PrimeChoice Medical Plan
- TotalAssure Critical Illness Plan
- TotalAssure Plus Critical Illness Plan
- vBooster Medical Plan
- vCore Medical Plan
- vPrime Medical Plan
- WeHealth
- WeHealth Plus
- WeHealth Preferred
- WeHealth Prestige
- WiseLady Critical Illness Protection
Comparison groups
No sourced comparison group is available for these types in this snapshot.
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.
Country guidesSources & verification dates
- MPFA: self-employed enrolment and contributions — Checked
- IA: disclosure and underwriting — Checked
Trust & licence checks — UK expats: Hong Kong insurance — Country guides