Life Insurance Plan

Health Supreme Medical Plan

Individual Indemnity Hospital Insurance Plan

Voluntary Health Insurance Scheme Certified Plan

Health Supreme Medical Plan (The “Plan”) is a Certified Plan under the Hong Kong Government's Voluntary Health Insurance Scheme (“VHIS”) and complies with the requirements of the scheme in product design. The premiums paid for the Plan is eligible for the tax deduction under the Inland Revenue Ordinance (Cap.112). The Plan offers you a medical insurance, renewal is guaranteed up to the Age of 100 years of the Insured Person. The Plan is underwritten by Hong Kong Life Insurance Limited (“Hong Kong Life”).

Below product information does not contain the full terms of the policy document. For full terms and conditions, please refer to the policy document.


“VHIS Certified Plans - Client Promotion Incentive” (Exclusive for Online Application): From now till 30 Nov 2024, successful applications of the Plan may enjoy the following incentives:

  1. 40% first year premium discount.
  2. With designated amount of annualized first year premium, enjoy a HKD50 coffee coupon.

    Terms and conditions applies.


  • Reimbursement for Lifelong Medical Protection and Flexible Choices of Different Benefit Classes
  • Supplementary Major Medical Benefit to Enhance Your Protection
  • Guaranteed Renewal up to the Age of 100 years of the Insured Person for Peace of Mind
  • Eligible for Claiming Tax Deduction*
  • No Lifetime Benefit Limit
  • Worldwide Coverage except for the Psychiatric Treatment
  • Up to 16% No Claim Discount for Staying Healthy
  • Various Benefits including Rehabilitation Benefit, Traditional Chinese Medicines for Designated Cancer, Pregnancy Complications, Day Case Surgery Cash Benefit and Medical Accident and Incident Extension Benefit
  • Provide Additional Life Protection
  • Extra Services for Your Strongest Support


 

Benefit limit (in HKD)

Plan I /
Plan I - Premier

Plan II /
Plan II - Premier

Plan III /
Plan III - Premier

Basic benefit items
Room and board $750 / day $2,000 / day $4,000 / day
Maximum 180 days / Policy Year
Miscellaneous charges $14,000 / Policy Year $22,000 / Policy Year $35,000 / Policy Year
Surgeon's fee Per surgery, subject to surgical category for the surgery / procedure in the Schedule of Surgical Procedures
 Complex $50,000 $80,000 $120,000
 Major $25,000 $40,000 $60,000
 Intermediate $12,500 $20,000 $30,000
 Minor $5,000 $8,000 $12,000
Annual Benefit Limit for Basic Benefit Items $550,000 / Policy Year $850,000 / Policy Year $1,200,000 / Policy Year

Supplementary major medical benefit
 

Plan I - Premier

Plan II - Premier

Plan III - Premier

Specified Ward Class Ward Semi-Private Room Private Room
Aggregate annual limit $100,000 / Policy Year $200,000 / Policy Year $400,000 / Policy Year
Coinsurance 15% (i.e. Reimbursement percentage: 85%)
Room and board $750 / day $2,000 / day $4,000 / day
Payable after exceeding the 180 days / Policy Year
Miscellaneous charges Payable after exceeding HKD14,000 / Policy Year Payable after exceeding HKD22,000 / Policy Year Payable after exceeding HKD35,000 / Policy Year

    (The Key Benefit Coverage is for reference only. Please refer to the Product Leaflet for the details of benefit coverage.)

(Applicable to online application)

  • Proposed Policy Holder and Insured Person must be the same person
  • Issue age from 18 to 64
    (Age means age of the Insured Person at the last birthday)
  • Holds a valid HKID card

Premium Payment Term

    1 Year
    (Renewable up to the Age of 100 years of the Insured Person)

Policy Currency

    HKD

Benefit Term

    1 Year
    (Renewable up to the Age of 100 years of the Insured Person)

Geographical Area of Cover

    Worldwide
    (except for psychiatric treatments)

Covered Ward Class

    No restriction
    (except for supplementary major medical benefit)

Premium Payment Mode

    Annual
Type of the Certified Plan   Flexi Plan
 
Certification Number   F00039-01-000-02
(Health Supreme Medical Plan I)

(Health Supreme Medical Plan I - Premier)
F00039-02-000-02
(Health Supreme Medical Plan II)
F00039-02-001-02
(Health Supreme Medical Plan II - Premier)
F00039-03-000-02
(Health Supreme Medical Plan III)
F00039-03-001-02
(Health Supreme Medical Plan III - Premier)
 
Provider Registration No.   00037
(Registration Effective Date: 31 May 2019)


If you wish to name other person as Insured Person or your issue age or preferred premium payment mode is not available for online application, please contact Hong Kong Life Customer Services representative for details and application.

*Whether tax deduction is allowable for the qualifying premiums paid under VHIS policy (not including levy) are subject to the Inland Revenue Ordinance and the circumstances of the Policy Holder (as taxpayer) . Please refer to the website of the Inland Revenue Department (“IRD”) (www.ird.gov.hk) or contact the IRD directly for any tax related enquiries. You may also seek independent and professional advice from your tax and accounting advisors.

To understand the Standard Premium Schedule, Comparison between our VHIS Standard Plan and VHIS Flexi Plan, Policy Document and Claims Procedures, please visit Hong Kong Life’s website.

Note : The online application requires information about personal insurance history and health. Please prepare relevant documents (e.g. existing insurance policy(ies), record(s) of claims of insurance, hospital admission record(s), investigation report(s)) to facilitate the application process.