BY LFSINSURANCEVoluntary Health Insurance Scheme · Hong Kong
Compare VHIS cover.
Find the plans that fit.
See published premiums and compare benefits from Lifestyle Insurance’s selected insurers.
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Annual premiums come from Standard Premium Schedules filed with the Health Bureau, in the plan currency and excluding the Insurance Authority levy. Figures are for comparison and do not constitute a quotation, offer or recommendation. The insurer decides acceptance and underwriting terms.
Matching plans
Select two or three plans to compare their details.
Side-by-side comparison
Start with the policy details
Use certified plan documents and policy wording when reviewing a plan. Avoid making a decision from a headline benefit alone.
Bring your questions
Ask an adviser to explain the scope of cover, benefit limits, exclusions and how a proposed plan relates to your existing insurance.
Read the official information
For scheme information, visit the Hong Kong Government’s VHIS website.
Prepare for your conversation
- Which certified plan and option are you proposing?
- Which policy documents explain the benefit I am interested in?
- What medical information is needed for my application?
- What exclusions or underwriting terms could apply?
- How would the new policy relate to my existing cover?
- Which selected-panel alternatives can LFSinsurance actually offer?
Your questions, answered
Can I apply with an existing condition?
Disclose known conditions in the medical declaration. VHIS Hong Kong guidance describes possible standard terms, an exclusion, a premium loading or a declined application. The insurer decides the outcome.
What should I check before switching?
VHIS Hong Kong adviser guidance flags fresh underwriting and possible changes to how conditions are covered. Discuss the offered terms before ending existing cover. This is guidance, not a promise about any plan.
Does this site decide whether I will be accepted?
No. The insurer makes the underwriting decision. No individual acceptance outcome is promised here.
Will every certified plan be available here?
No. General research can draw on a wider set of certified documents than the selected panel LFSinsurance can offer. Research coverage is not product availability.
Read our practical guide
VHIS: before you apply or switch →
Source: VHIS Hong Kong research notes, checked 6 November 2026. The underwriting note cites Standard Plan Terms and Benefits, Part 6 section 4 and Part 1 section 8. Switching observations are adviser guidance, not individual plan terms. Official scheme information ↗. Content checked 6 November 2026.
LFScompare will offer selected providers and plans, rather than the whole Hong Kong market. A logo does not mean every product is available. Ask which options are included in your comparison.
A little guidance goes a long way.
Bring your questions. Explore your next step with LFSinsurance.