VHIS Flexi Plan

Even if an illness, Disease or Congenital Condition13 is a Pre-existing Condition, it will still be covered in case it was unknown at the time of application according to the reimbursement schedule.

Without any Lifetime Benefit Limit, vCare reimburses a wide range of hospitalisation and surgical expenses up to an Annual Benefit Limit of HKD520,000 and is guaranteed Renewable¹ until you reach Age 100 (attained age).

vCore meets Government's regulatory standards to protect your benefits. If you are a Hong Kong taxpayer, you can claim tax deductions of up to HKD8,000² per Insured Person for the premium(s) paid for yourself and/or your specified relatives per assessment year.

It is easy to apply by simply answering a few questions, and you can be on your way to be free from worries about unplanned healthcare expenses. No medical examination or any proof of health is required¹⁴. It’s that simple.

Whenever you need information or assistance, the professional health assistance services⁵˒⁶ including CANcierge, second medical opinion services and international SOS 24-hour worldwide assistance services are always here to help.

You can upgrade your vCore policy to a designated plan with higher medical coverage, when you turn 50, 55, 60 or 65 (attained age), with the one-off convertibility option without re-underwriting or providing proof of insurability⁵˒⁷.

With this coverage option, a designated medical plan coverage will be granted to your newborn baby⁵˒⁸ for one year without additional charge after the end of 2nd Policy Year.