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 year including target medicine
Cover unknown pre-existing conditions
VHIS Prestige Care plan annual benefit limit up to HK$1,500,000
Covers psychiatric treatment
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.
- Applicant must be resident of Hong Kong and aged 18 or above.
- Policy effective date is the first calendar day of the following month upon approval.
- Cover does not begin until application has been accepted and premium received.
- Benefits and terms and conditions of Certified Plan to be revised subject to regular review of Voluntary Health Insurance Scheme by Government of Standard Premium Schedule.
- Unless a written termination notice is given to MSIG by the Insured Person, this Insurance will be renewed automatically on a yearly basis upon policy expiry date and premium and the Levy will be deduced from the account provided by the Insured Person.
- Major exclusions apply: Pre-existing conditions that has existed prior to the policy effective date and the applicant fails to disclose to MSIG upon submission of this application, dental treatment, Eye refractive therapy or LASIK, routine check-up, pregnancy or childbirth, congenital and hereditary conditions etc.
- Premium of Standard Premium Schedule may be adjusted at renewal at the discretion of MSIG.
- Applicant has cancellation right and right to cancel the policy within the cooling-off period of 21 calendar days.
- MSIG reserves the right of final approval and amend the above products. In case of disputes, the decision of MSIG shall be final and binding.
- The above product information is for reference only. For details of coverage, terms, conditions, and exclusions, please refer to the VHIS Standard Care and Prestige Care policy wordings. In the event of any discrepancy between the English and Chinese versions of any of the above details, the English version shall prevail.
- The promotion period shall run from 1 Apr 2021 to 31 Dec 2021 (both days inclusive) (the "Promotion Period").
- Each person can register only once for this promotion.
- Only one Asia Miles membership number can be registered for each policy during the enrolment. A valid Asia Miles membership number must be provided at the time of enrolment. The submitted Asia Miles membership number must belong to the applicant and cannot be changed after registration.
- Within the Promotion Period, upon successful enrolment for VHIS, customers will be eligible to choose a gift of either Asia Miles or Mannings coupon when discounted annual premium exceeds HK$3,000. Mannings Coupons and Asia Miles will be rewarded in the relevant plan type below for any activated VHIS.
Plan Type Asia Miles Mannings Coupon value Standard Care (Plan A) 1,500 HK$300 Prestige Care (Plan A) 3,000 HK$500 Prestige Care (Plan B) 5,000 HK$800 Prestige Care (Plan C) 8,000 HK$1,200
- Asia Miles will be credited to your designated Asia Miles account 6 to 8 weeks after the month of successful application. Mannings Coupons will be mailed to eligible customers (via the mailing address provided by customer) within 90 days from the policy effective date of VHIS.
- Customers must have not cancelled the relevant insurance enrolments and/or policies at the time when the Asia Miles credited to the designated Asia Miles account number / the Mannings coupon mailed to eligible customer's address.
- MSIG is not the supplier of Asia Miles. The use and earning of Asia Miles are subject to terms and conditions imposed by the Asia Miles Limited ("AML"). For details, please refer to www.asiamiles.com. Any enquiry or complaint regarding the Asia Miles, the goods redeemed by/ service relating thereto should be directed to the AML. MSIG assume no responsibility / liability in respect thereof.
- The Asia Miles earned and Mannings coupon(s) from the Promotion are not transferrable, returnable and cannot be altered or redeemed for cash under any circumstances. Terms and conditions apply.
- MSIG reserves the right to alter or terminate the promotional offers and/or amend the terms and conditions at any time without notice.
- All matters or disputes in relation to the promotional offers and the interpretation of terms and conditions herein shall be subject to the decision of MSIG, which shall be final and binding.