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Voluntary Health Insurance Scheme - VHIS Prestige Care
Offers you a range of flexible health insurance plans
Why choose MSIG?
Unknown Pre-existing Conditions
Partial coverage is offered during an initial three-year waiting period from policy inception, with full coverage from the fourth year onwards
Coverage for Day-case Procedures
Cover surgical procedures in a medical clinic or day case procedure centre or hospital with facilities for recovery as a day patient
Coverage for Prescribed Non-surgical Cancer Treatments
Cover the expenses charged on Radiotherapy, Chemotherapy, Targeted Therapy, Immunotherapy and Hormonal therapy for cancer treatment
Full Cover for Major Hospitalisation Expenses
Including miscellaneous charges, specialist’s fee, surgeon’s fee, anaesthetist’s fee and operation theatre charges will be reimbursed in full, up to the annual benefit limit
Tax Deductions
Tax deductions are available for qualifying premiums paid by a policyholder for himself and his dependents under any VHIS certified plans. The qualifying premium ceiling for tax deduction is HK$8,000 per insured person per year. There is no cap on the number of dependents whose premiums are eligible for tax deduction
If you already have an individual hospital insurance plan with MSIG, you can migrate to our VHIS certified plan. Contact us to learn more about your options.
Please give us feedback via the Customer Feedback Form at here. Everything you tell us will be handled in complete confidence.
New Service: Day case endoscopy at MSIG’s premium medical service networks
Effective from 1 April 2025, we are pleased to introduce our new Endoscopy programme, designed to provide convenient one-stop services for our healthcare insurance customers.
Our comprehensive programme includes a pre-endoscopy consultation booking service with specialists within the MSIG medical service network and a cashless service at the designated endoscopy day center for the procedure, ensuing a seamless experience for customers.
If you have a medical necessity and a doctor’s referral letter, you can call the MSIG Emergency Assistance Hotline at +852 3122 6899 (press 4) to book a pre-endoscopy consultation.
If an endoscopy is required after the consultation, MSIG will issue a “Letter of guarantee” to you and the endoscopy day centre upon approval.
We believe this new programme will greatly enhance the convenience and efficiency of the endoscopy process.
| I. Basic benefit(1) (HK$) | Plan A | Plan B | Plan C |
|---|---|---|---|
(a) Room and board
| $2,000 | $2,800 | $3,900 |
| Maximum 180 days per policy year | Maximum 180 days per policy year | Maximum 180 days per policy year | |
(b) Miscellaneous charges
| Full cover | Full cover | Full cover |
(c) Attending doctor's visit fee
| $2,000 | $2,800 | $3,900 |
| Maximum 180 days per policy year | Maximum 180 days per policy year | Maximum 180 days per policy year | |
(d) Specialist's fee(2)
| Full cover | Full cover | Full cover |
(e) Intensive care
| Full cover | Full cover | Full cover |
(f) Surgeon's fee
| Subject to surgical category for the surgery/procedure in the schedule of surgical procedures:
| Full cover | Full cover |
(g) Anaesthetist's fee | 35% of surgeon's fee payable (5) | Full cover | Full cover |
(h) Operating theatre charges | 35% of surgeon's fee payable (5) | Full cover | Full cover |
(i) Prescribed diagnostic imaging tests(2) (3)
| $20,000 | $30,000 | $40,000 |
| Subject to 20% coinsurance | Subject to 20% coinsurance | Subject to 20% coinsurance | |
(j) Prescribed non-surgical cancer treatments(4)
| $100,000 | $150,000 | $300,000 |
(k) Pre- and post-confinement/ Day case procedure outpatient care (2)
| $800 per visit, up to $4,000 per policy year | $1,000 per visit, up to $5,000 per policy year | $1,500 per visit, up to $7,500 per policy year |
| 1 prior outpatient visit or emergency consultation per confinement/day case procedure | 1 prior outpatient visit or emergency consultation per confinement/day case procedure | 1 prior outpatient visit or emergency consultation per confinement/day case procedure | |
| 3 follow-up outpatient visits per confinement /day case procedure (within 90 days after discharge from hospital or completion of day case procedure) | 3 follow-up outpatient visits per confinement /day case procedure (within 90 days after discharge from hospital or completion of day case procedure) | 3 follow-up outpatient visits per confinement /day case procedure (within 90 days after discharge from hospital or completion of day case procedure) | |
(l) Psychiatric treatments
| $30,000 | $40,000 | $50,000 |
II. Enhanced benefit items (HK$) | |||
(a) Companion bed | Full cover | Full cover | Full cover |
(b) Private nursing | Full cover Maximum 180 days per policy year | Full cover Maximum 180 days per policy year | Full cover Maximum 180 days per policy year |
(c) Outpatient kidney dialysis
| $100,000 | $150,000 | $300,000 |
(d) Operation and cancer recovery benefit
| $600 | $800 | $1,000 |
| 20% | 20% | 20% |
(e) Increased international cover(6) | Not applicable | Not applicable | Annual benefit limit for benefit items I (a) – (l) and II (a) – (d) will be increased to $6,000,000 per policy year |
Other benefit items (HK$) | |||
Day surgery allowance
| $1,000 | $1,000 | $1,000 |
Second claim benefit
| $1,000 | $1,000 | $1,000 |
Other limits (HK$) | |||
Annual benefit limit for benefit items I (a) – (l) and II (a) - (d)
| $500,000 | $750,000 | $1,500,000 |
Lifetime benefit limit for all benefit items | Nil | Nil | Nil |
Important Notes:
- Eligible expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above.
- The Company shall have the right to ask for proof of recommendation e.g. written referral or testifying statement on the claim form by the attending doctor or registered medical practitioner.
- Tests covered here only include computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined.
- Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
- The percentage here applies to the surgeon's fee actually payable or the benefit limit for the surgeon's fee according to the surgical categorisation, whichever is the lower.
- Applicable to the emergency treatment of the insured person while travelling or located outside the place of resident (not exceeding 90 days per trip.)
For details of coverage, terms and conditions, and exclusions, please refer to the policy wording.
| Optional enhanced benefit | Plan A | Plan B | Plan C |
|---|---|---|---|
Supplementary major medical benefit (HK$) | |||
| Entitled room class* | General ward / Semi-private room | General ward / Semi-private room | Private room |
Maximum limit
| $200,000 | $300,000 | $600,000 |
SMM excess per claim | $1,000 | $1,000 | $1,000 |
Coinsurance | 20% | 20% | 20% |
| *If the insured person is confined to a hospital room class higher than his entitled room class on voluntary basis, an adjustment factor shall be applied as follows: | |||
Entitled room class | Confined room class | Adjustment factor | |
| General ward / Semi-private room | Private room | 50% | |
| Dental benefit (HK$) | Plan A | Plan B | Plan C |
|---|---|---|---|
Critical illness benefits (HK$) | |||
Outpatient services benefit (HK$) | |||
Annual benefit limit per policy year
| $2,500 | $2,500 | $2,500 |
| $500,000 | $500,000 | $500,000 |
Lady benefit | $100,000 | $100,000 | $100,000 |
Maximum limit per policy year | Not applicable | Not applicable | $25,000 |
General practitioner (GP)
| Not applicable | Not applicable | Full cover |
Specialist practitioner (SP)
| Not applicable | Not applicable | Full cover |
Maximum total no. of GP & SP visits
| Not applicable | Not applicable | 30 |
Prescribed medication
| Not applicable | Not applicable | $10,000 |
Diagnostic X-ray & laboratory tests
| Not applicable | Not applicable | $10,000 |
Bonesetter, acupuncturist, chiropractor treatment
| Not applicable | Not applicable | $500 |
| Basic Cover | ||||||
|---|---|---|---|---|---|---|
| Age Groups (Attained age)^ | Plan A | Plan B | Plan C | |||
| Annual | Monthly | Annual | Monthly | Annual | Monthly | |
| 15 days to 6 | $5,292 | $490 | $9,018 | $835 | $15,282 | $1,415 |
| 7-17 | $4,806 | $445 | $7,884 | $730 | $13,338 | $1,235 |
| 18-30 | $6,966 | $645 | $10,800 | $1,000 | $16,740 | $1,550 |
| 31-40 | $8,316 | $770 | $12,852 | $1,190 | $20,034 | $1,855 |
| 41-50 | $11,124 | $1,030 | $16,686 | $1,545 | $25,110 | $2,325 |
| 51-60 | $15,822 | $1,465 | $23,652 | $2,190 | $34,938 | $3,235 |
| 61-70 | $25,974 | $2,405 | $38,124 | $3,530 | $55,404 | $5,130 |
| 71-80 | $32,292 | $2,990 | $47,250 | $4,375 | $68,796 | $6,370 |
| 81-99* | $33,210 | $3,075 | $48,654 | $4,505 | $70,740 | $6,550 |
Basic Cover with Optional Supplementary Major Medical Benefit (As a part of Certified Plan) | ||||||
| 15 days to 6 | $6,804 | $630 | $11,610 | $1,075 | $19,656 | $1,820 |
| 7-17 | $6,210 | $575 | $10,152 | $940 | $17,172 | $1,590 |
| 18-30 | $9,018 | $835 | $13,932 | $1,290 | $21,654 | $2,005 |
| 31-40 | $10,746 | $995 | $16,578 | $1,535 | $25,866 | $2,395 |
| 41-50 | $14,256 | $1,320 | $21,384 | $1,980 | $32,184 | $2,980 |
| 51-60 | $20,304 | $1,880 | $30,294 | $2,805 | $44,820 | $4,150 |
| 61-70 | $33,156 | $3,070 | $48,654 | $4,505 | $70,740 | $6,550 |
| 71-80 | $41,202 | $3,815 | $60,318 | $5,585 | $87,858 | $8,135 |
| 81-99* | $42,444 | $3,930 | $62,100 | $5,750 | $90,342 | $8,365 |
*For renewal only
^According to the last birthday.
This Standard Premium Schedule does not include levy which is collected by the Insurance Authority.
| Age Groups (Attained age)^ | Plan A | Plan B | Plan C | |||
|---|---|---|---|---|---|---|
| Annual | Monthly | Annual | Monthly | Annual | Monthly | |
Outpatient Services Benefit (NOT a part of Certified Plan) | ||||||
| 15 days to 6 | Not applicable | Not applicable | $9,990 | $925 | ||
| 7-17 | Not applicable | Not applicable | $9,990 | $925 | ||
| 18-30 | Not applicable | Not applicable | $9,342 | $865 | ||
| 31-40 | Not applicable | Not applicable | $10,854 | $1,005 | ||
| 41-50 | Not applicable | Not applicable | $11,610 | $1,075 | ||
| 51-60 | Not applicable | Not applicable | $14,529 | $1,335 | ||
| 61-70 | Not applicable | Not applicable | $18,900 | $1,750 | ||
| 71-80 | Not applicable | Not applicable | $24,084 | $2,230 | ||
| 81-99* | Not applicable | Not applicable | $24,084 | $2,230 | ||
Dental Benefit (NOT a part of Certified Plan) | ||||||
| 15 days to 80 | $1,458 | $135 | $1,458 | $135 | $1,458 | $135 |
Critical Illness Benefits : Standard Coverage (NOT a part of Certified Plan) | ||||||
| 15 days to 17 | $1,026 | $95 | $1,026 | $95 | $1,026 | $95 |
| 18-30 | $918 | $85 | $918 | $85 | $918 | $85 |
| 31-40 | $2,106 | $195 | $2,106 | $195 | $2,106 | $195 |
| 41-50 | $3,726 | $345 | $3,726 | $345 | $3,726 | $345 |
| 51-60 | $10,638 | $985 | $10,638 | $985 | $10,638 | $985 |
| 61-70 | $19,710 | $1,825 | $19,710 | $1,825 | $19,710 | $1,825 |
| 71-80* | $38,880 | $3,600 | $38,880 | $3,600 | $38,880 | $3,600 |
Critical Illness Benefits : Comprehensive Coverage (NOT a part of Certified Plan) | ||||||
| 15 days to 17 | $1,458 | $135 | $1,458 | $135 | $1,458 | $135 |
| 18-30 | $1,296 | $120 | $1,296 | $120 | $1,296 | $120 |
| 31-40 | $2,970 | $275 | $2,970 | $275 | $2,970 | $275 |
| 41-50 | $5,238 | $485 | $5,238 | $485 | $5,238 | $485 |
| 51-60 | $14,904 | $1,380 | $14,904 | $1,380 | $14,904 | $1,380 |
| 61-70 | $27,594 | $2,555 | $27,594 | $2,555 | $27,594 | $2,555 |
| 71-80* | $54,432 | $5,040 | $54,432 | $5,040 | $54,432 | $5,040 |
Lady Benefit# (NOT a part of Certified Plan) | ||||||
| 18-30 | $864 | $80 | $864 | $80 | $864 | $80 |
| 31-40 | $756 | $70 | $756 | $70 | $756 | $70 |
| 41-50 | $648 | $60 | $648 | $60 | $648 | $60 |
| 51-60 | $756 | $70 | $756 | $70 | $756 | $70 |
| 61-70 | $1,512 | $140 | $1,512 | $140 | $1,512 | $140 |
| 71-80* | $2,970 | $275 | $2,970 | $275 | $2,970 | $275 |
*For renewal only
^According to the last birthday.
#Lady Benefit is a rider benefit of Critical Illness Benefit and cannot be insured separately. Benefit paid for Lady Benefit will reduce the Overall Maximum Limit for Critical Illness Benefit.
This premium table does not include levy which is collected by the Insurance Authority.
Applicant: |
|
1st enrolment age of insured person: |
|
Renewal age limit: |
|
1st enrolment age of optional benefit: |
|
Renewal age limit of optional |
|
Remark:
Age shall mean at last birthday.
- Pre-existing condition that has existed prior to the policy issuance date or the policy effective date and the applicant fails to disclose to MSIG upon submission of this application.
- Routine medical check-ups and vaccinations.
- Cosmetic surgery (unless necessitated by injury caused by an accident and the insured person receives the medical services within 90 days of accident).
- Eye refractive therapy, LASIK and any related tests, procedures and services.
- Dental treatment or oral and maxillofacial procedures performed by a dentist except for emergency treatment and surgery during confinement arising from an accident.
- Pregnancy or childbirth, infertility, contraception and sterilisation.
- Congenital conditions which have manifested or been diagnosed before insured person attained age of 8 years.
- Hospital in-patient treatments for conditions that can be properly treated as an outpatient. This includes but not limits to hospitalisation primarily for diagnostic scanning, X-ray examinations, and/or physiotherapy treatments.
Exclusion for Supplementary Major Medical Benefits:
- Hospital Confinement and day case procedure outside place(s) of residence (except for emergency treatment in respect of accident or acute sickness occurring during short trip (not exceeding 90 days) outside the place(s) of residence and which requires immediate medical attention as certified by a registered medical practitioner.
- Confinement in room class other than general ward, semi-private room and private room of a hospital.
Important Notes:
- Policy effective date: the 1st calendar day of month after approval of application.
- Cover does not begin until application has been accepted and premium received.
- Benefits under Certified Plan and their terms and conditions to be revised subject to regular review of Voluntary Health Insurance Scheme by Government.
- Premium of Standard Premium Schedule, the benefits under non-Certified Plan and their terms and conditions may be adjusted at renewal at the discretion of MSIG lnsurance (Hong Kong) Limited.
- For details of coverage, terms and conditions, and exclusions, please refer to the policy wording.
