Voluntary Health Insurance Scheme
Ensuring the highest quality of care and medical service

  • Qualifying premium ceiling for tax deduction is HK$8,000 per insured person per year

  • Guaranteed renewal until 100 years of age with no lifetime benefit limit

  • Cover unknown pre-existing conditions

About VHIS

The "Voluntary Health Insurance Scheme" (VHIS) implemented by the Government is a policy to coordinate public and private medical systems. To address the increasing needs for healthcare protection in Hong Kong, MSIG has participated in the Voluntary Health Insurance Scheme (VHIS). To provide more comprehensive coverage, we offer enhanced healthcare insurance plans certified by the Food and Health Bureau (FHB).

VHIS Benefits

  • MSIG exclusive day surgery cash allowance

  • Tax deduction - Qualifying premium ceiling for tax deduction is HK$8,000 per insured person per year 

  • Guaranteed renewal until 100 years of age with no lifetime benefit limit

  • Prescribed non-surgical cancer treatments up to $80,000 per policy year including target therapy

  • Cover unknown pre-existing conditions

  • Covers psychiatric treatment

  • VHIS Prestige Care plan annual benefit limit up to HK$1,500,000

Tax deductions are available for qualifying premiums paid by a policyholder for himself and his dependents under any VHIS certified plans. The qualifying premium ceiling for tax deduction is HK$8,000 per insured person per year. There is no cap on the number of dependents whose premiums are eligible for tax deduction.

Coverage

To cater your different medical needs, MSIG provides both the standard plan "VHIS Standard Care"and the flexi plan "VHIS Prestige Care" which offers enhanced coverage and more comprehensive protection.

Below listed coverage is eligible for tax deductions.

BenefitsVHIS Standard Care
(Standard Plan)
VHIS Prestige Care
(Flexi Plan)
Basic BenefitsMaximum Benefits Payable Per Year (HK$)
Benefit Limit420,000Up to 1,500,000
Surgeon's feeUp to 50,000Full cover
Prescribed non-surgical cancer treatments
(including target medicine)
80,000Up to 300,000
Pre-and post-outpatient care3,000Up to 7,500
MSIG Exclusive BenefitsMaximum Benefits Payable Per Claim (HK$)
Day surgery cash allowance1,000
Second claim cash allowance benefit1,000
Enhanced BenefitsMaximum Benefits Payable Per Year (HK$)
Companion bed/Private nursing/Outpatient kidney dialysis/Operation and cancer recovery benefitN/ACover
Increased international cover

Applicable to the emergency treatment of the insured person while travelling or located outside the place of residence (not exceeding 90 days per trip)

N/AAnnual benefit limit will be increased to $6,000,000 per policy year
(Plan C only)
Optional Enhanced BenefitMaximum Benefits Payable Per Year (HK$)
Optional Supplementary major medical benefitN/AUp to 600,000 per year
based on room class
(Coinsurance 20% and $1000 SMM excess per claim)

The above information is only part of the coverages of VHIS and for reference only. Please refer to the policy wording for details.

Download

VHIS Standard Care – Brochure
VHIS Standard Care – Policy wording

VHIS Prestige Care – Brochure
VHIS Prestige Care – Policy wording

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