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Health Essential Medical Plan – Standard (Voluntary Health Insurance Scheme Certified Plan)

Health Essential Medical Plan – Standard

Essential Protection for Your Health

Why you will like this
Who can apply

Why you will like this

Certified under the Hong Kong Government’s Voluntary Health Insurance Scheme (“VHIS”) and is eligible for tax deduction^{^}

Features medical insurance and guaranteed renewal up to age 100 of the Insure Person

Easy to apply — no medical exam needed

Who can apply

Issue Age*: Age 0 (15 day after birth) to 80 years

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BASIC INFORMATION

Type of the Certified Plan	Standard Plan
Name of the Certified Plan	Health Essential Medical Plan – Standard
Certification Number	S00037-01-000-02
Provider Registration No	00037 (Registration Effective Date: 31 May 2019)

The Health Essential Medical Plan protects you from unexpected medical expenses by covering your hospital costs and providing reimbursement—so you can focus on your recovery.

Features and Benefits

Lifelong Medical Coverage

You’ll be reimbursed for eligible medical expenses, giving you lasting protection and support when you need it most.

Guaranteed Renewal for Peace of Mind

Enjoy continued coverage year after year — your policy is guaranteed renewable up to age 100 of Life Insured, no matter your health condition or claims history.

Tax Deductible^{^}

Hong Kong residents may apply for a tax deduction on premiums paid of the plan for yourself and your dependants.

Download Product Brochure

BEFORE YOU APPLY

Eligibility requirements

Age 0 (15 day after birth) to 80 years^*

Remarks

*Age means age of the Life Insured at the last birthday

^ Tax deduction under the VHIS
The issuance of this plan does not necessarily mean you are eligible for any tax deduction for the premiums you have paid for this plan. Please refer to the website of the Inland Revenue Department (“IRD”) or contact the IRD directly for any tax related enquiries. You may also seek independent and professional advice from your tax and accounting advisors.

Important notes

Health Essential Medical Plan – Standard is the product underwritten by Hong Kong Life Insurance Limited (“Insurer”) and not by OCBC Bank (Hong Kong) Limited (“Bank”). The Bank is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agency and is the authorised insurance agency of the Insurer for distribution of the insurance plan(s) in the Hong Kong Special Administrative Region (“HKSAR”). The insurance plan is authorised and regulated by the Insurance Authority of HKSAR. The Insurer will be responsible for providing your insurance coverage and handling claims under the insurance plan.

The information, examples and materials contained in this webpage are provided for reference only and do not provide any suggestion or recommendation of any insurance products nor constitute any part of the related insurance policy. You should not rely solely on this webpage to make decisions on applying for the insurance product(s). Before applying for any insurance plan, you should read carefully and fully understand the leaflet, proposal and policy provisions of the relevant plan (including but not limited to terms and conditions, coverage, exclusions and risk disclosures), and when necessary, you should also seek independent and professional advice before making any decision.

WAYS TO APPLY

Apply for Health Essential Medical Plan

Visit a branch

FREQUENTLY ASKED QUESTIONS

What is Voluntary Health Insurance Scheme (VHIS)?

VHIS is a policy initiative implemented by the Health Bureau to regulate indemnity hospital insurance plans offered to individuals by insurance companies. The participation by insurance companies and consumers is voluntary.

Under the VHIS, the participating insurance companies offer certified individual indemnity hospital insurance plans (“Certified Plans”) for consumers to purchase voluntarily.

What is the objectives of VHIS?

The policy objectives of VHIS are to -
(a) enhance the protection level of hospital insurance products;
(b) provide the public with an additional choice of using private healthcare services through hospital insurance; and
(c) relieve the pressure on the public healthcare system in the long run.

What is the scope of VHIS?

VHIS covers insurance products which -
(a) provide hospital insurance protection of indemnity nature bought by individuals for themselves and their families

VHIS does not cover insurance products which -
(a) provide non-hospital medical insurance protection e.g. outpatient services; or
(b) provide non-indemnity medical insurance protection e.g. hospital cash, critical illness cash plans; or
(c) are group insurance bought by employers for their employees

What are the differences between Certified Plans under VHIS and other individual indemnity hospital insurance products?

Certified Plans are officially certified by the Health Bureau to have met a number of standard features to enhance consumer protection, including standardised policy terms and conditions, guaranteed renewal up to the age of 100 years, and more comprehensive benefit coverage. For details, please visit the official Voluntary Health Insurance Scheme website: https://www.vhis.gov.hk

How is consumer interest protected under VHIS?

As in the case of all insurance businesses, the insurance companies participating in VHIS and their business practices are subject to the supervision and regulation of the Insurance Authority under the Insurance Ordinance (Chapter 41). In addition, the insurance companies registered as VHIS providers are required to comply with the rules of the scheme, including the product compliance requirements and the code of practice set by the Health Bureau.