	Bronze	Silver	Gold	Diamond

Annual benefit limit (HKD)	Annual benefit limit (HKD) $5,000,000 per policy year	Annual benefit limit (HKD) $25,000,000 per policy year	Annual benefit limit (HKD) $30,000,000 per policy year	Annual benefit limit (HKD) $40,000,000 per policy year
Lifetime benefit limit (HKD)	Lifetime benefit limit (HKD) $20,000,000 per policy	Lifetime benefit limit (HKD) Nil	Lifetime benefit limit (HKD) Nil	Lifetime benefit limit (HKD) Nil
Geographical limitation	Geographical limitation Greater China⁽¹⁾	Geographical limitation Asia⁽¹⁾, Australia and New Zealand	Geographical limitation Asia⁽¹⁾, Australia and New Zealand	Geographical limitation Worldwide⁽¹⁾
Entitled ward class	Entitled ward class General ward	Entitled ward class Semi-private room	Entitled ward class Standard private room	Entitled ward class Standard private room
Key benefits	Key benefits Full cover ⁽²⁾	Key benefits Full cover ⁽²⁾	Key benefits Full cover ⁽²⁾	Key benefits Full cover ⁽²⁾

Annual benefit limit (HKD)

$5,000,000
per policy year

Annual benefit limit (HKD)

$25,000,000
per policy year

Annual benefit limit (HKD)

$30,000,000
per policy year

Annual benefit limit (HKD)

$40,000,000
per policy year

Lifetime benefit limit (HKD)

$20,000,000
per policy

Lifetime benefit limit (HKD)

Nil

Lifetime benefit limit (HKD)

Nil

Lifetime benefit limit (HKD)

Nil

Geographical limitation

Greater China⁽¹⁾

Geographical limitation

Asia⁽¹⁾, Australia and New Zealand

Geographical limitation

Asia⁽¹⁾, Australia and New Zealand

Geographical limitation

Worldwide⁽¹⁾

Entitled ward class

General ward

Entitled ward class

Semi-private room

Entitled ward class

Standard private room

Entitled ward class

Standard private room

Key benefits

Full cover ⁽²⁾

Key benefits

Full cover ⁽²⁾

Key benefits

Full cover ⁽²⁾

Key benefits

Full cover ⁽²⁾

(1) Greater China shall mean mainland China, Hong Kong, Macau and Taiwan. Asia shall mean Afghanistan, Bangladesh, Bhutan, Brunei, Greater China, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Malaysia, Maldives, Mongolia, Myanmar, Nepal, Philippines, Singapore, South Korea, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam. Worldwide shall mean no geographical limitation. Except for psychiatric treatment and cash benefit for lower ward class are applicable to Hong Kong only. Please refer to the Additional Benefit Provisions Endorsement for more details.
(2) Full cover shall mean the actual amount of eligible expenses and other expenses charged and payable in accordance to the terms and benefits of this plan.

To learn more, please refer to the product brochure.

Disclaimer: The personal information you provide during the Medical Protection Challenge will not in any way be stored or disclosed. Insurance quotes will be provided on the basis of information inputted by the participant. The Medical Protection Challenge is a game; all insurance quotes are for reference only, and do not represent the results of any financial analysis, nor do they constitute solicitation for or recommendation of any product. Please click our privacy and security link for more details.

All information provided through the Medical Protection Challenge is for reference only. HSBC Life (International) Limited (“HSBC Life”) does not guarantee that such information is accurate or up-to-date, since it is subject to exceptions, revisions or changes from time to time.

Medical Protection Challenge

1/8

Medical Protection Challenge

Don’t wait for something bad to happen. Since you can’t predict the future, boost your ability to protect yourself today!

Answer 8 questions and learn how to protect yourself with knowledge of medical protection.

What is the longest waiting period for an initial consultation with a surgical specialist at a public hospital in Hong Kong?

What is the average cost of a laparoscopic appendectomy (腹腔鏡闌尾切除術) and related treatments at a private hospital in Hong Kong?

If a patient stays in a semi-private hospital room to undergo treatment and surgery in Hong Kong, what percentage of the total cost is covered by a typical group medical policy?

What is the advantage of purchasing an individual medical policy when you already have group medical coverage?

Why should you purchase a medical insurance policy at a relatively young age?

In case of hospitalisation, which room type would you choose?

Which deductible would you consider?

Choosing to pay an upfront deductible amount means your premiums will be lower while you'll still enjoy extensive coverage. For example, with an HKD16,000 deductible, you'll only have to pay the first HKD16,000 of the cost of covered medical services per year while HSBC will cover the remaining amount up to the annual benefit limit.

Your age is:

Congratulations!

You have enhanced your self-protection ability to the next level by completing our Medical Protection Challenge!

Considering your age, chosen room type and preferred annual deductible, this is the reference insurance quote for you:

HSBC VHIS Flexi Plan

Monthly Premium

HKD

Edit protection level

Edit deductible

Exclusive offer for Well+ members
Apply online with
promo code WELL+ to enjoy:

50%FIRST-YEAR
DISCOUNT

Exclusive offer for Well+ members
Apply online with
promo code WELL+ to enjoy:

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www.hsbc.com.hk/vhis-flexi

Want to know more?

Exclusive offer for Well+ members
Apply online with
promo code WELL+ to enjoy:

50%FIRST-YEAR
DISCOUNT

www.hsbc.com.hk/vhis-flexi

Want to learn more and earn a HKD200 PARKnSHOP coupon*? Why wait! Call 2233 3130 now to get in touch.

*To earn a HKD200 PARKnSHOP coupon, you need to make an appointment to complete the Financial Health Check and Risk Profiling Questionnaire. T&Cs Apply.

Exclusive offer for Well+ members
Apply online with
promo code WELL+ to enjoy:

50%FIRST-YEAR
DISCOUNT

www.hsbc.com.hk/vhis-flexi

Want to know more?

Congratulations!

You have enhanced your self-protection ability to the next level by completing our Medical Protection Challenge!

Considering your age, chosen room type and preferred annual deductible, this is the reference insurance quote for you:

Valid till 30 Jun 2025.
T&Cs Apply.

Valid till 31 Mar 2025.
T&Cs Apply.

Apply Online
30% OFF

PROMO CODE

MEDI30

Valid till 31 Mar 2025
T&Cs Apply.

Get 30% first-year discount for HSBC VHIS Flexi Plan when you apply online.

Claim Tax Deductions

You're entitled to a maximum annual deduction of HKD8,000 in qualifying premiums for each insured person paid during each year of assessment.

Join Well+ to unlock your true wellness in a fun and rewarding way!

Take the steps to protect your health or your loved ones with an HSBC Life insurance plan, you can maximize your Well+ rewards up to HKD2,000*!

*Subject to terms and conditions

HSBC also provides HSBC VHIS Standard Plan.

HSBC Life (International) Limited (“HSBC Life”) is not legally responsible for any human or system-generated errors or omissions or the reliability of quote provided by Medical Protection Challenge, nor are we responsible for any consequences of any decision or action taken based on the information provided by the Medical Protection Challenge.

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Medical Protection Challenge

Medical Protection Challenge

Congratulations!

HSBC VHIS Flexi Plan

Congratulations!

Apply Online30% OFF

Claim Tax Deductions

Apply Online
30% OFF