Your lifelong health journey is now safeguarded with our VHIS plan.
Backed by the Food and Health Bureau, our plans provide Hong Kong citizens with a fairer, more effective route to their health insurance. We have volunteered under the VHIS system to offer quality healthcare coverage without the intrusive measures of conventional health insurance.
About VHIS
The Voluntary Health Insurance Scheme (“VHIS”) is a policy initiative introduced by the Food and Health Bureau (“FHB”) of the Government of the Hong Kong Special Administrative Region (“Government”) concerning indemnity hospital insurance plans (“IHIP”) offered to individuals, with voluntary participation by insurance companies and consumers. VHIS has been fully implemented on 1 April 2019.
Under the VHIS, the participating insurance companies offer certified individual indemnity hospital insurance plans ("Certified Plans") for consumers to purchase voluntarily.
There are two types of Certified Plans, namely Standard Plan and Flexi Plan. Standard Plan is fixed in product design and adheres to the minimum complying requirements of VHIS. Except for some minor allowable variations, the Standard Plans offered by different VHIS Providers should be largely the same in product design. Flexi Plan is more flexible in product design and offers protection and benefits that exceeds the Standard Plan. This means that all Flexi Plans must provide basic protection equivalent to Standard Plan PLUS some top-up protection e.g. higher benefit limit and broader benefit coverage. Flexi Plans can be very different from one to another due to diverse design in the top-up protection to provide more product choices.
VHIS Highlights
| Policy holder | Insured person | Annual premium paid | Eligible premium amount | Amount of tax saved (Assumed tax rate 17%) |
| Taxpayer A | Taxpayer A | $5,000 | $5,000 | $850 |
| Taxpayer B | Taxpayer B | $12,000 | $8,000 | $1,360 |
| Policy holder | Insured person | Annual premium paid | Eligible premium amount | Amount of tax saved (Assumed tax rate 17%) |
| Taxpayer | Taxpayer | $7,500 | $7,500 | $1,275 |
| Taxpayer | Spouse | $9,500 | $8,000 | $1,360 |
| Taxpayer | Father | $20,000 | $8,000 | $1,360 |
| Taxpayer | Son | $6,500 | $6,500 | $1,105 |
| Total | $43,500 | $30,000 | $5,100 |
Coverage extended to include
Claim Procedures
Please submit the documents to our business centre 8/F, 118 Connaught Road West, Sheung Wan, Hong Kong by mail or in person.
Basic Requirements (must be completed or submitted)
1. Medical Insurance - Hospitalization & Surgical Claim Form
- Part I completed by you with member cert number and Patient Signature
- Part II completed by the doctor with Signature and Chop
2. Payment Receipts:
- First Claim: original receipts, charge details and doctor's charges slip
- Secord Claim: certified true copy of receipts and claims statement advice by other insurer, if applicable
Additional Requirements (if applicable)
1. Copies of histopathology, endoscopic, diagnostic/laboratory tests reports, and surgical summary
No reimbursement or claims shall be made for:
1. Claim(s) submitted after 90 days from the date of discharge/treatment
2. Insufficient information
About Asia Insurance
Asia Insurance is a leading general insurer in Hong Kong founded in 1959 by our late Chairman, Mr. Chin Sophonpanich. It is noted for its financial strength (strong capitalization, high liquidity and a Standard & Poor's “A” rating for its insurer financial strength rating and counterparty credit rating), distribution network and quality client base.
It has a proven record in innovation and leadership, and has formed a number of successful joint ventures and other relationships with partners around the region, including in Mainland China.
It has the most comprehensive product range including well-designed and attractively priced conventional and niche market insurance products.
Apart from its head office in Hong Kong, Asia Insurance distributes its products and services oversea via its Macau branch.