Voluntary Health Insurance Scheme Flexi Plan - Healthy Life Medical Insurance Plan series

Voluntary Health Insurance Scheme Flexi Plan - Healthy Life Medical Insurance Plan series

Product Summary
Voluntary Health Insurance Scheme - Flexi Plan Certification Number Healthy Life Medical Insurance Plan Healthy Life Premier Medical Insurance Plan
Available for New Application F00024-01-000-02 F00030-01-000-02
Not Available for New Application F00024-01-000-01 F00030-01-000-01

Voluntary Health Insurance Scheme Provider Registration No: 00021 (Registration Effective Date: 28 Feb 2019)

Enjoy 10% premium discount on the first year’s premium! Click here for details.

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Guaranteed Renewal to Age 100


No Claim Discount


No Lifetime Limit


Covering Pre-existing Conditions


Tax Deduction

Product Features
Terms and Conditions
  Available for New Application Not Available for New Application
Healthy Life Medical Insurance Plan   Download   Download
Healthy Life Premier Medical Insurance Plan
Semi-private   Download   Download
Semi-private with SMM   Download   Download
Private   Download   Download
Private with SMM   Download   Download


Premium Table
Healthy Life Medical Insurance Plan Healthy Life Premier Medical Insurance Plan
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5 plan levels for your selection

The 5 plan levels include the ward level coverage of Healthy Life Medical Insurance Plan, and the semi-private room or private room coverage of Healthy Life Premier Medical Insurance Plan. If you take up Healthy Life Premier Medical Insurance Plan, you may also select supplementary major medical benefit for higher protection. If the actual medical expenses exceed the benefit limit, the supplementary major medical benefit will pay maximum 80% of the excess amount. This way you can focus on your treatment. For details of the benefit item and amount of each plan level, please refer to the benefit schedule.

Guaranteed renewal1 to age 100

So long as you have enrolled in the Plan successfully, the Plan is guaranteed to renew to age 100 regardless of your health condition and claim history after enrolment.

No claim discount

There will be a discount on premium if no benefits have been paid in the past 3 consecutive policy years or more. The discount will be 15% of the premium of next policy year and to be deducted upon premium payment.

No lifetime benefit limit whilst covering pre-existing conditions

There is no lifetime benefit limit set in the Plan but it is subject to an aggregate benefit limit for each year. In addition, pre-existing conditions are also covered where certain limitation are applied in the first 3 years after the Plan becomes effective. For more information, please refer to item 6 of the important note stated in this product brochure.

Coverage for hospital confinement and surgical fees

The expenses related to room and board, attending doctor's visit fee, specialist's fee, surgical fees and miscellaneous charges during confinement2,3 are covered, releasing you from any kind of financial burden. Please refer to the benefit schedule for the benefit amount of each item.

Extended benefit - outpatient care

The Plan not only provides hospital confinement and surgical benefits, but also covers the expenses related to pre- and post-confinement / day case procedure4 outpatient care.

Prescribed non-surgical cancer treatments, prescribed diagnostic imaging tests and psychiatric treatments

The cost for treating cancer is expensive. This is why the Plan offers coverage on prescribed non-surgical cancer treatment procedures, including radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy. Furthermore, the Plan also covers prescribed diagnostic imaging tests (e.g. magnetic resonance imaging (MRI)) for the investigation or treatment of a disabilitydisability, as well as psychiatric treatments during the confinement in Hong Kong.

Enhanced benefits

Healthy Life Premier Medical Insurance Plan of the Plan also provides the following enhanced benefits:

  • Emergency out-patient care (accidental injury) - the insured person is treated as a day patient in the emergency department of a hospital within 24 hours of an accident occurred that causes the disability
  • Home nursing (post surgery) – the service is provided at home by a registered nurse5 within 60 days from the date on which the insured person is discharged from the hospital
  • Organ donor benefit
  • Outpatient kidney dialysis
  • Rehabilitative care
  • Companion bed


Tax deduction

The Plan is a certified plan under VHIS where the policy holder may enjoy a tax deduction. For details on tax deductions, please visit Inland Revenue Department (IRD) of HKSAR website and consult your tax and accounting advisors for tax advice.

Product Details

Voluntary Health Insurance Scheme Flexi Plan - Healthy Life Medical Insurance Plan series6

Plan type Indemnity plan
Issue age 15 days to age 80
Benefit term To age 100 of the insured person
Premium payment term To age 99 of the insured person
Premium payment mode Annual or monthly7
Policy currency HKD
Renewal Guaranteed renewal1


  1. China Life (Overseas) reserves the right to review the premium rates on each policy anniversary and revises the terms and conditions and/or the benefit items of the policy from time to time.
  2. Hospital means an establishment duly constituted and registered as a hospital under the laws of the relevant territory in which it is established, which is for providing medical service for sick and injured persons as Inpatients, and which (a) has facilities for diagnosis and major operations, or is a public hospital as defined in the Hospital Authority Ordinance (Cap. 113 of the Laws of Hong Kong) or a hospital for which a licence is issued under the Private Healthcare Facilities Ordinance (Cap. 633 of the Laws of Hong Kong) ;(b) provides 24 hours nursing services by licensed or registered nurses; (c) has 1 or more Registered Medical Practitioners; and (d) is not primarily a clinic, a place for alcoholics or drug addicts, a nature care clinic, a health hydro, a nursing, rest or convalescent home, a hospice or palliative care centre, a rehabilitation centre, an elderly home or similar establishment.
  3. Confinement means an admission of the insured personInsured person to a hospital that is recommended by a registered medical practitioner for medical service and as an Inpatient as a result of a medically necessary condition for a period of no less than 6 consecutive hours. No minimum period is required for confinement in connection with any emergency treatment in a hospital as a result of an emergency for the performance of a surgical procedure or other medical service in a hospital. Confinement shall be evidenced by a daily room charge invoiced by the hospital and the insured person must stay in the hospital continuously for the entire period of confinement.
  4. Day case procedure means a medically necessary surgical procedure for investigation or treatment to the insured person performed in a medical clinic, or day case procedure centre or Hospital with facilities for recovery as a Day Patient.
  5. Licensed nurse means an independent person who, upon successful completion of a course at a recognized college or school of nursing, is legally authorized by the government of the geographical area of his or her practice to render nursing services.
  6. Only one policy holder is allowed per policy.
  7. If the required renewal premium is paid by you within the grace period, the policy shall continue to be in force. For details, please refer to the terms and conditions issued by China Life (Overseas).


Inclusion of public hospitals and private hospitals in Hong Kong in the definition of Hospital under VHIS policy terms & conditions

With effect from 1 April 2023, the definition of "Hospital" in Part 8 "Definition" of your VHIS policy terms and conditions shall be refined to make clear that it shall include public hospitals as defined in the Hospital Authority Ordinance (Cap. 113 of the Laws of Hong Kong) and hospitals for which a licence is issued under the Private Healthcare Facilities Ordinance (Cap. 633 of the Laws of Hong Kong), subject to other conditions of (b), (c) and (d) in the definition. The relevant Supplement will be sent to all policy holders concerned on or before the respective policy renewals from 1 April 2023.

For any queries, please contact our Customer Service Hotline at (852) 3999 5519.


Important Information

This product brochure is for reference only. It does not form a contract between China Life (Overseas) and anyone or any entity else. The detailed terms, conditions and exclusions of the Plan are subject to the relevant policy contract. You are reminded to review the policy contract and all relevant product materials and to seek independent professional advice if necessary. For a copy of the policy contract, please contact China Life (Overseas) for enquiry.

You have the right to purchase the medical insurance product as a standalone plan instead of bundling with other type(s) of insurance product.

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