A1.This is the individual medical insurance plan managed by the Government's Food & Health Bureau to encourage the Hongkongers to choose the medical services by the private hospitals in order to mitigate the pressure on the public medical system. VHIS will have the set framework of the hospital insurance. The companies & the consumers' participations are voluntary.

A2.The products should be certified by the Food & Health Bureau before the Company can launch to the market. The type of VHIS product is categorized as Standard Plan & Flexi Plan. The Insured Person's age is between 15 days to age 80 and it is guaranteed for renewal to age 100. The Company will provide the additional coverage by different Flexi Plan(s) on the basis of Standard Plan.

A3.Standard Plans and Flexi Plans are both Certified Plans of Food and Health Bureau and must meet or exceed the minimum product standard of VHIS. For the Standard Plans, the terms and benefits are standardised with prescribed minimum requirements, such as minimum benefit coverage and amounts. For the Flexi Plans, they must provide basic protection equivalent to Standard Plan coverage, plus a flexible top-up protection, such as higher benefit coverages or amounts, to suit market needs subject to certain rules set out by the Food and Health Bureau.

A4.The distinguishing feature of VHIS is that the premium is public & highly transparent. The Company will charge the premium according to the Insured Person's age annually based on the Standard Premium Table annually. Customers can browse the Company's website to check the relevant Standard Premium Table.

However, during each policy year or renewal, the Company cannot increase the premium rate due to the changing health conditions of the Insured Person or add specific exclusion. The overall premium level can be adjusted base on the medical inflation and the amended coverage by the Company. No matter it is Standard Plan or Flexi Plan, the premium of VHIS products is freely determined by the Company.

A5.

A6.Most general medical insurance has overall maximum limit and the Company have the right to amend the provisions or increase the premium. VHIS has no maximum limit applied to whole life and only has each year's maximum claim amount even the Insured Person claims the maximum amount each year, the Company should pay the claim amount until age 100 and has no right to tighten the limit.

A7.Only Hong Kong residents are accepted as Policyholders & Insured Person for Hong Kong Life's Health Essential Medical Plan, the Policyholder should be age 18, the Insured Person can be Policyholder or his/her spouse or children (who are age 17 or below or full time student of age 18 to 25). Only 1 Policyholder is accepted for each policy of Health Essential Medical Plan by Hong Kong Life (for tax deduction arrangement, it should fulfill the requirement of the Tax Ordinance).

A8.You should notify the Company after the change of your occupation as soon as possible so that the Company can re-underwrite the policy for the determination of the premium of the next renewal date.

However, the Company will also request the Policyholder to notify the Company on renewal to see if the Insured Person's occupation is different from the last renewal date (or the policy effective date if it is the first renewal).  The Policyholder has the responsibility to notify the Company for the related changes upon receiving the request.

A9.According to the terms & conditions, the residency is an individual who has the residential right of a jurisdiction district by law. Residential change includes the individual's residential right of a newly added jurisdiction district. To avoid doubt, any individual who has the entry permission only by law of a jurisdiction district and not the residential right (e.g. study, work or travel), that jurisdiction district cannot be regarded as that individual's residence. Therefore, no notification to the Company is required in this situation.

Except the Insured Person intends to permanently reside in Australia and has obtained the residential right, then he/she must inform the Company of such residency change at the soonest, so that the Company can re-underwrite the policy for the determination of the premium of the next renewal date.

However, the Company will also request the Policyholder to notify the Company to see if the Insured Person's residence is different from the last renewal date (or the policy effective date if it is the first renewal). The Policyholder has the responsibility to notify the Company for the related changes upon receiving the request.

A10.Of course and you can submit the latest health declaration and the related medical reports (if any) so that the Company can re-underwrite the policy.

A11.If the VHIS customer stops paying and the policy lapsed, no reinstatement is allowed and you should buy again.

A12.General medical insurance will base on per disability and VHIS will base on per policy year.

A13.The coverage includes the surgery conducted as in-patient or day surgery (e.g. clinic or day time hospital treatment centre) (including endoscopy).

A14.If the customer buys VHIS plan and needs to undergo the surgery/examination (no matter it is public/private hospital), he/she can request the hospital to provide the estimated amount of the fee or the breakdown. After the document submission, the Company will return the estimated claim amount in writing for the customer's reference..

A15.VHIS has no deductible amount but the customer should state prescribed diagnostic imaging test items (e.g. CT scan, MRI & PET scan), respond for the 30% coinsurance share and no other sharing items.

A16.No beneficiary can be designated for VHIS, if Insured Person passes away, the death benefits will be paid to the Policyholder.

If the payment is being made after the Policyholder passes away, the claim payment will be paid to the Policyholder's estate administrator or executor.

A17.An unknown pre-existing condition refers to a health condition, such as sickness, which has existed but you are unaware of its existence when applying for insurance coverage. Full claim amount will be payable at the 4th year after the VHIS policy has been inforce (which means 100% claim payment based on the cover amount) and provides partial cover amount (which means no claim payment for the first year, 25% of the claim payment for the 2nd year, 50% of the claim payment for the 3rd year) in the waiting period of the first 3 years.

Example : if the customer has found out the pre-existing condition after buying VHIS, the maximum amount is HKD16,000 and the surgery fee is HKD18,000
Scenario 1 : no claim payment if pre-existing condition is found in the 1st year after the policy is inforce
Scenario 2 : HKD4,000 (HKD16,000 X 25%) will be paid if pre-existing condition is found in the 2nd year after the policy is inforce
Scenario 3 : HKD8,000 (HKD16,000 X 50%) will be paid if pre-existing condition is found in the 3rd year after the policy is inforce
Scenario 4 : HKD16,000 (100%) will be paid if pre-existing condition is found in the 4th year thereafter after the policy is inforce

A18.According to the announcement of 2018 -19 Financial Budget, the tax deductible amount of the premium amount of VHIS for each Insured Person is HKD8,000. The related tax deduction arrangement was passed by the Legislative Council on 31 Oct 2018. The customer can visit the Food & Health Bureau's website at https://www.vhis.gov.hk for details or email to vhis_enquiry@fhb.gov.hk for enquiries.

A19.We have "Policy Anniversary Statement" & "VHIS Payment Summary" showing the premium payment records for the customer to apply for tax deduction.

A20.VHIS Plan will pay the VAT and GST charged or imposed on the expenses incurred for medical services rendered with respect to a Disability.

A21.VHIS Plan will pay for the eligible expense being charged as the Insured Person was admitted to any public or private hospital in Hong Kong to receive psychiatric treatments as recommended by a specialist.

A1.Yes, in addition to the hospitalization claim form and the original receipts, please provide a breakdown of the reimbursement from the other party so we can process the payment of any balance.

A2.Before we have reached a decision to pay the claim, you are obliged to pay the premiums to keep the policy in force. After we had admitted the disability benefit claim, we will then refund the premium paid for the waiver period.

A3.In most cases, you need to be the beneficiary of the policy, or the administrator/executor of the deceased's estate. If the beneficiary is below 18 years old, their legal guardian should file the claim.

A4.As there is no such appointment, we would pay to the Life Insured's estate administrator as stated in the Letters of Administration.

A5. You need to complete a death claim form with the deceased's personal details. You also need the following documents:

1. Notarized Certificate of Death
2. If the death occurred in hospital, you need a medical certificate from that hospital showing the cause of death
3. If the death did not occur in hospital, you need a death certificate (showing the cause of death) issued by the local police
4. The Hong Kong ID card and China re-entry permit or travel document of the deceased (for Hong Kong resident)
5. Cancellation of Hong Kong ID confirmation note from Immigration Department (for Hong Kong resident)
6. The De-registration of Residence of the deceased (for citizen of mainland China)
7. Your own Hong Kong card and China re-entry permit or travel document

A1.Fill in the "Request for Policy Change Form" or written request with policyowner's signature. Address proof within the last 3 months should be submitted with the aforesaid form or written request to our company.

A2.Fill in Part A and Part B of the "Request for Benefits Change Form" with policyowner's signature and submit together with required premiums and levy to our company. The premium interest and levy will be charged if the policy is to be reinstated 90 days from premium due date. Our company may require policyowner to provide medical reports or perform medical examinations at the policyowner's own costs whenever necessary. Meanwhile, if the autopay account has been cancelled, the "Credit Card Payment Authorization Form" or "Direct Debit Authorization Form" should be submitted together with the required premium to our company.

A3.The proceeds of maturity/total premiums paid will be paid to the policyowner by cheque within 7 working days after the Maturity Date/Expiry Date  (applicable to the required documents).