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Voluntary Health Insurance Scheme - VHIS Standard Care
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
Day Surgery Cash Allowance
Day-surgery allowance up to HK$1,000 offers you convenience to conduct a day case procedure without admitted into a hospital
Second Claim Cash Allowance Benefit
Enjoy second claim cash allowance benefit up to HK$1,000 if you have already submitted your claim to another insurer and claim the remaining balance from us
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$8,000 per insured person per year. There is no cap on the number of dependents whose premiums are eligible for tax deduction
If you already have an individual hospital insurance plan with MSIG, you can migrate to our VHIS certified plan. Contact us to learn more about your options.
Please give us feedback via the Customer Feedback Form at here. Everything you tell us will be handled in complete confidence.
New Service: Day case endoscopy at MSIG’s premium medical service networks
Effective from 1 April 2025, we are pleased to introduce our new Endoscopy programme, designed to provide convenient one-stop services for our healthcare insurance customers.
Our comprehensive programme includes a pre-endoscopy consultation booking service with specialists within the MSIG medical service network and a cashless service at the designated endoscopy day center for the procedure, ensuing a seamless experience for customers.
If you have a medical necessity and a doctor’s referral letter, you can call the MSIG Emergency Assistance Hotline at +852 3122 6899 (press 4) to book a pre-endoscopy consultation.
If an endoscopy is required after the consultation, MSIG will issue a “Letter of guarantee” to you and the endoscopy day centre upon approval.
We believe this new programme will greatly enhance the convenience and efficiency of the endoscopy process.
| Benefit items(1) (HK$) | Standard Care |
|---|---|
(a) Room and board
| $750 |
| Maximum 180 days per policy year | |
(b) Miscellaneous charges
| $14,000 |
(c) Attending doctor's visit fee
| $750 |
| Maximum 180 days per policy year | |
(d) Specialist's fee(2)
| $4,300 |
(e) Intensive care
| $3,500 |
| Maximum 25 days per policy year | |
(f) Surgeon's fee
| Subject to surgical category for the surgery/procedure in the schedule of surgical procedures: Complex: $50,000 |
(g) Anaesthetist's fee | 35% of surgeon's fee payable (5) |
(h) Operating theatre charges | 35% of surgeon's fee payable (5) |
(i) Prescribed diagnostic imaging tests(2) (3)
| $20,000 |
| Subject to 30% coinsurance | |
(j) Prescribed non-surgical cancer treatments(4)
| $80,000 |
(k) Pre- and post-confinement/ day case procedure outpatient care (2)
| $580, up to $3,000 per policy year |
| 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) | |
(l) Psychiatric treatments per policy year | $30,000 |
Other benefit items (HK$) | |
Day surgery cash allowance
| $1,000 |
Second claim cash allowance benefit
| $1,000 |
Other limits (HK$) | |
Annual benefit limit for benefit items (a) – (l)
| $420,000 |
Lifetime benefit limit for all benefit items (a) – (l) | Nil |
Important Notes:
- Eligible expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above.
- The Company shall have the right to ask for proof of recommendation e.g. written referral or testifying tatement on the claim form by the attending doctor or registered medical practitioner
- Tests covered here only include computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined.
- Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
- The percentage here applies to the surgeon's fee actually payable or the benefit limit for the surgeon's fee according to the surgical categorisation, whichever is the lower.
For details of coverage, terms and conditions, and exclusions, please refer to the policy wording.
| Age Groups (Attained Age)# | Standard Care | |
|---|---|---|
| Annual (HK$) | Monthly (HK$) | |
| 15 days to 6 | $3,240 | $300 |
| 7-17 | $2,916 | $270 |
| 18-30 | $4,104 | $380 |
| 31-40 | $4,914 | $455 |
| 41-50 | $6,588 | $610 |
| 51-60 | $9,666 | $895 |
| 61-70 | $16,200 | $1,500 |
| 71-80 | $20,304 | $1,880 |
| 81-99* | $20,952 | $1,940 |
Important Notes:
*For renewal only
#According to the last birthday.
This Standard Premium Schedule does not include levy which is collected by the Insurance Authority.
Applicant |
|
1st enrolment age of insured person |
|
Renewal age limit |
|
Remark: According to the 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 have manifested or been diagnosed before insured person attained age of 8 years.
- Hospital in-patient treatment for condition 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.
Important Notes:
- Policy effective date: the 1st calendar day of each month after approval of application.
- Cover does not begin until application has been accepted and premium received.
- Benefits and terms and conditions of Certified Plan to be revised subject to regular review of Voluntary Health Insurance Scheme by Government.
- Premium of Standard Premium Schedule 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.
