Voluntary Health Insurance Scheme (VHIS)

¹ Tax deduction eligibility is only applicable to policyholders or his/her spouse who are Hong Kong taxpayers. Tax deduction for the qualifying premiums paid under VHIS policy (not including levy) will be based on the premiums paid after deducting the premium discount (if any). For more information, please refer to www.ird.gov.hk or seek independent tax advice.

² Unless otherwise specified, all ages mentioned on this page refer to the age of the insured person on his or her last birthday.

³ Pre-existing condition(s) shall mean, in respect of the insured person, any sickness, disease, injury, physical, mental or medical condition or physiological degradation, including congenital condition, that has existed prior to the policy issuance date or the policy effective date, whichever is the earlier. An ordinary prudent person shall be reasonably aware of a pre-existing condition, where - (a) it has been diagnosed; (b) it has manifested clear and distinct signs or symptoms; or (c) medical advice or treatment has been sought, recommended or received. The HSBC Life may impose case-based exclusion(s) to the pre-existing condition(s) notified to HSBC Life in the application for the plan and any subsequent information or document submitted to HSBC Life for the purpose of the application. Unknown pre-existing condition(s) refers to any pre-existing condition(s) that the policy holder and/or insured person was not aware and would not reasonably have been aware of at the time of application. Please refer to the policy provisions for the full terms and conditions.

⁴ Eligible expenses incurred in other areas worldwide shall be covered according to the VHIS Standard Plan Terms and Benefits. 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 which are applicable to Hong Kong only. Please refer to the Additional Benefit Provisions Endorsement for more details.

⁵ Eligible expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above.

⁶ Full cover shall mean the actual amount of eligible expenses and other expenses charged and payable in accordance to the terms and benefits of your policy.

⁷ HSBC Life shall have the right to ask for proof of recommendation, e.g. a written referral or testifying statement on the claim form by the attending doctor or a registered medical practitioner.

⁸ The percentage here applies to the surgeon's fee actually payable or the benefit limit for the surgeon's fee according to the surgical categorisation, whichever is lower.

⁹ Tests covered here only include computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined.

¹⁰ Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.