Voluntary Health Insurance Scheme Standard Plan - Guard Your Health Medical Insurance Plan

Voluntary Health Insurance Scheme Standard Plan - Guard Your Health Medical Insurance Plan

Product Summary
Voluntary Health Insurance Scheme - Standard Plan Certification Number
Available for New Application S00021-01-000-02
Not Available for New Application S00021-01-000-01

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


All-round Protection


No Lifetime Limit


Covering Pre-existing Conditions


Tax Deduction

Product Features
Terms and Conditions
Available for New Application Not Available for New Application
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 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 enrollment.

 Coverage for hospital confinement and surgical fees

Regardless of the ward to which you are admitted in the hospital2,3, the expenses related to room and board, attending doctor's visit fee, specialist's fee, surgical fees and miscellaneous charges 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. The benefit amount per policy year is up to HKD80,000. Furthermore, the Plan also covers prescribed diagnostic imaging tests (e.g. magnetic resonance imaging (MRI)) for the investigation or treatment of a disability, as well as psychiatric treatments during the confinement in Hong Kong.

 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 of HKD420,000 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 information stated in this product brochure.

 Compassionate death benefit

In the event the insured person passes away during the benefit term, the Plan will offer a compassionate death benefit to the beneficiary.

 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 Standard Plan - Guard Your Health Medical Insurance Plan5

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 monthly6
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 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. Only one policy holder is allowed per policy.
  6. 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

The above information is for reference only. The detailed terms, conditions and exclusions of the Plan are subject to the relevant policy contract.

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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