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).
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$8,000 per insured person per year. There is no cap on the number of dependents whose premiums are eligible for tax deduction.
To cater your different medical needs, MSIG provides both the standard plan "VHIS Standard Care"and the flexi plan "VHIS Prestige Care" which offers enhanced coverage and more comprehensive protection.Below listed coverage is eligible for tax deductions.
|Benefits||VHIS Standard Care|
|VHIS Prestige Care|
|Basic Benefits||Maximum Benefits Payable Per Year (HK$)|
|Benefit Limit||420,000||Up to 1,500,000|
|Surgeon's fee||Up to 50,000||Full cover|
|Prescribed non-surgical cancer treatments|
(including target medicine)
|80,000||Up to 300,000|
|Pre-and post-outpatient care||3,000||Up to 7,500|
|MSIG Exclusive Benefits||Maximum Benefits Payable Per Claim (HK$)|
|Day surgery cash allowance||1,000|
|Second claim cash allowance benefit||1,000|
|Enhanced Benefits||Maximum Benefits Payable Per Year (HK$)|
|Companion bed/Private nursing/Outpatient kidney dialysis/Operation and cancer recovery benefit||N/A||Cover|
|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/A||Annual benefit limit will be increased to $6,000,000 per policy year|
(Plan C only)
|Optional Enhanced Benefit||Maximum Benefits Payable Per Year (HK$)|
|Optional Supplementary major medical benefit||N/A||Up 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.