What do you want in a plan?
Mark what you care about — the panel re-ranks every certified plan by how many of your marks it meets. A factual tally, not insurance advice.
AGE
42
SEX
Premiums are the Health Bureau’s published Standard Premium baseline (per year, before discounts/underwriting); actual premiums are set by the insurer.
No preferences marked
What matters to you?
MARK WHAT MATTERS TO YOUPlan type
data for 98/98 plans
Standard Plans share government-set terms; Flexi Plans differ — details are in each plan document.
Annual premium budget
data for 98/98 plans
Uses the Standard Premium at your age and sex. Plans over budget don’t disappear — they just rank lower.
HK$0 deductible
data for 59/98 plans
No amount to pay yourself before cover starts. All Standard Plans are HK$0; Flexi Plans counted only where stated.
Semi-private room or above
data for 42/98 plans
Hospital ward class. All Standard Plans are general ward; Flexi Plans counted only where stated.
Plans meeting every mark are tinted — a fact, not a recommendation. no data = the open dataset doesn’t state this (check the plan document); it does not mean the plan lacks it. All VHIS premiums are tax-deductible.
This page is a factual comparison of public government data. It is not insurance advice, and hkgooddoctor is not a licensed insurance intermediary. Verify plan documents and insurer quotes before buying.
WHAT IS VHIS · 自願醫保
VHIS, in three points
01
Government-regulated
The Health Bureau sets minimum coverage. Standard plans are uniform across insurers — same terms, different premiums.
02
Tax deductible
Up to HK$8,000/yr per insured. Cover yourself, spouse, children, parents — multiply the deduction.
03
Standard vs Flexi
Standard is the regulated baseline. Flexi plans add higher limits, private rooms and extras — at varying premiums.
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Important Notice / 重要聲明
以下內容僅為醫學術語的簡單解釋，並非醫療建議、診斷或治療建議。請務必向合資格醫生諮詢您的健康狀況。
This is a plain-language explanation of medical terms only. It is not medical advice, a diagnosis, or a treatment recommendation. Always consult a qualified doctor about your health.