Voluntary Health Insurance Scheme - VHIS Prestige Care

Offers you a range of flexible health insurance plans

Voluntary Health Insurance Scheme - VHIS Prestige Care

Plan Highlights

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Unknown Pre-existing Conditions Icon
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 Icon
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

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Coverage for Prescribed Non-surgical Cancer Treatments Icon
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 Icon
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

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Tax Deductions Icon
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.

Plan details

Benefits

I. Basic benefit(1) (HK$)

Plan A Plan B Plan C

(a) Room and board

  • per day
$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

  • per policy year
Full cover Full cover Full cover

(c) Attending doctor's visit fee

  • per day
$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)

  • per policy year
Full cover Full cover Full cover

(e) Intensive care

  • per day
Full cover Full cover Full cover

(f) Surgeon's fee

  • per surgery
Subject to surgical category for the surgery/procedure in the schedule of surgical procedures:
  • Complex: $320,000
  • Major: $160,000
  • Intermediate: $80,000 
  • Minor: $32,000
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)

  • per policy year
$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)

  • per policy year
$100,000 $150,000 $300,000

(k) Pre- and post-confinement/ Day case procedure outpatient care (2)

  • per visit
$800 per visit, 
up to $4,000 per policy year
$1,000 per visit,
up to $5,000 per policy year
$1,000 per visit,
up to $5,000 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

  • per policy year
$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

  • per policy year
$100,000 $150,000 $300,000

(d) Operation and cancer recovery benefit

  • per visit
  • up to 5 visits per policy year for each of the following services:
      1. Psychological counselling (Consultation fee only)
       2. Dietetic consultation (Consultation fee only)
       3. Speech therapy (Treatment fee only)
       4. Occupational therapy (Treatment fee only)
       5. Chinese herbalist consultation and acupuncture
$600 $800 $1,000
  • Coinsurance
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

  • per day case procedure
$1,000 $1,000 $1,000

Second claim benefit

  • per claim
$1,000 $1,000 $1,000

Other limits (HK$)

Annual benefit limit for benefit items I (a) – (l) and II (a) - (d)

  • per policy year
$500,000 $750,000 $1,500,000

Lifetime benefit limit for all benefit items

Nil Nil Nil
Important Notes:
  1. Eligible expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above.
  2. 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.
  3. 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.
  4. Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
  5. 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.
  6. 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

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

  • per policy year
$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%

Optional other benefit (NOT a part of Certified Plan)

Dental benefit (HK$)

Plan A Plan B Plan C

Annual benefit limit per policy year

  • Scaling and polishing: $500 per year (max. 2 visits/policy year)

  • Routine oral examination 

  • Intraoral X-ray and medications 

  • Fillings and extractions 

  • Drainage of dental abscesses 

  • Pins for cusp restoration 

  • Dentures, crowns and bridges (Only if necessitated by an accident)

$2,500 $2,500 $2,500

Critical illness benefits (HK$)

Plan A Plan B Plan C
  • Standard coverage: cover critical illness item (1) – (12)

  • Comprehensive coverage: cover critical illness item (1) – (28)

$500,000 $500,000 $500,000

Lady benefit

$100,000 $100,000 $100,000

Outpatient services benefit (HK$)

Plan A Plan B Plan C

Maximum limit per policy year

Not applicable Not applicable $25,000

General practitioner (GP)

  • 1 visit per day 

Not applicable Not applicable Full cover

Specialist practitioner (SP)

  • 1 visit per day
Not applicable Not applicable Full cover

Maximum total no. of GP & SP visits

  • per policy year
Not applicable Not applicable 30

Prescribed medication

  • per policy year
Not applicable Not applicable $10,000

Diagnostic X-ray & laboratory tests 

  • per policy year
Not applicable Not applicable $10,000

Bonesetter, acupuncturist, chiropractor treatment 

  • per day
  • for accidental injury
  • 1 visit per day, up to 8 visits per policy year
Not applicable Not applicable $500

Standard Premium Schedule (HK$) – VHIS Prestige Care (Certified Plan)

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)

Age Groups (Attained age)^ Plan A Plan B Plan C
Annual
Monthly
Annual
Monthly
Annual
Monthly
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.

Premium Table (HK$) – VHIS Prestige Care (Optional Other Benefit)

Outpatient Services Benefit (NOT a part of Certified Plan)

Age Groups (Attained age)^ Plan A Plan B Plan C
Annual
Monthly
Annual
Monthly
Annual
Monthly
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)

Age Groups (Attained age)^ Plan A Plan B Plan C
Annual
Monthly
Annual
Monthly
Annual
Monthly
15 days to 80 $1,458 $135 $1,458 $135 $1,458 $135

Critical Illness Benefits : Standard Coverage (NOT a part of Certified Plan)

Age Groups (Attained age)^ Plan A Plan B Plan C
Annual
Monthly
Annual
Monthly
Annual 
Monthly
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)

Age Groups (Attained age)^ Plan A Plan B Plan C
Annual
Monthly
Annual
Monthly
Annual
Monthly
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)

Age Groups (Attained age)^ Plan A Plan B Plan C
Annual
Monthly
Annual
Monthly
Annual
Monthly
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.

Eligibility

Applicant:

  • Hong Kong residents aged 18 or above

1st enrolment age of insured person:

  • Applicant: 18 to 80 years of age
  • Applicant’s legally married spouse, parents, parents-in-law: up to 80 years of age
  • Applicant’s unmarried child(ren): aged 15 days to 17, or below 23 if in full time education

Renewal age limit:

  • Guaranteed renewal up to 100 years of age

1st enrolment age of optional benefit:

  • Supplementary Major Medical Benefits / Outpatient Services Benefit / Dental
    Benefit: 15 days to 80 years of age
  • Critical Illness Benefit: 15 days to 70 years of age
  • Lady Benefit: 18 to 70 years of age

Renewal age limit of optional
benefit:

  • Supplementary Major Medical Benefits / Outpatient Services Benefit: up to
    100 years of age
  • Dental Benefit, Critical Illness Benefit, Lady Benefit: up to 80 years of age
Remark:

Age shall mean at last birthday.

Major Exclusions

  1. 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.
  2. Routine medical check-ups and vaccinations.
  3. Cosmetic surgery (unless necessitated by injury caused by an accident and the insured person receives the medical services within 90 days of accident).
  4. Eye refractive therapy, LASIK and any related tests, procedures and services.
  5. Dental treatment or oral and maxillofacial procedures performed by a dentist except for emergency treatment and surgery during confinement arising from an accident.
  6. Pregnancy or childbirth, infertility, contraception and sterilisation.
  7. Congenital conditions which have manifested or been diagnosed before insured person attained age of 8 years.
  8. 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:
  1. 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.
  2. Confinement in room class other than general ward, semi-private room and private room of a hospital.
Important Notes:
  1. Policy effective date: the 1st calendar day of month after approval of application.
  2. Cover does not begin until application has been accepted and premium received.
  3. Benefits under Certified Plan and their terms and conditions to be revised subject to regular review of Voluntary Health Insurance Scheme by Government.
  4. 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.
  5. For details of coverage, terms and conditions, and exclusions, please refer to the policy wording.