HEALTH SUPREME MEDICAL PLAN - FLEXI

Supreme protection for what matters most — your health

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 Insured Person

Supplementary Major Medical Benefit to enhance your protection

Who can apply:

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

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The Health Supreme Medical Plan protects you from unexpected medical expenses by covering your hospital costs so you can focus on your health during hospitalisation.

FEATURES AND BENEFITS

Type of the Certified Plan Flexi Plan
Name of the Certified Plan Health Supreme Medical Plan
Certification Number F00039-01-000-02 (Health Supreme Medical Plan I)

F00039-01-001-02 (Health Supreme Medical Plan - Premier)

F00039-02-000-02 (Health Supreme Medical Plan II)

F00039-02-001-02 (Health Supreme Medical Plan II - Premier)

F00039-03-000-02 (Health Supreme Medical Plan III)

F00039-03-001-02 (Health Supreme Medical Plan III - Premier)
Provider Registration No. 00037
(Registration Effective Date: 31 May 2019)

Reimbursement for Lifelong Medical Protection and Flexible Choice of Benefit Classes

Reimbursement for Lifelong Medical Protection and Flexible Choice of Benefit Classes

The Plan reimburses you for incurred medical expenses due to disability, offering six benefit options to suit your budget and medical needs.

The Plan reimburses you for incurred medical expenses due to disability, offering six benefit options to suit your budget and medical needs.

Supplementary Major Medical Benefit for Enhanced Protection

Supplementary Major Medical Benefit for Enhanced Protection

Choose a supplementary major medical benefit for comprehensive protection, covering 85% of eligible excess expenses within specified limits.

Choose a supplementary major medical benefit for comprehensive protection, covering 85% of eligible excess expenses within specified limits.

Tax Deductible

Tax Deductible^

Policyholders can claim tax deduction for premiums paid for themselves and their dependants, up to HKD8,000 per insured person annually, with no limit on eligible policies or dependants.

Policyholders can claim tax deduction for premiums paid for themselves and their dependants, up to HKD8,000 per insured person annually, with no limit on eligible policies or dependants.

Various Benefits to Best Protect Against Disability

Various Benefits to Best Protect Against Disability

Enjoy various benefits for the care you need, including:

  • Rehabilitation benefit
  • Traditional Chinese medicine for Designated Cancers
  • Pregnancy complication benefit
  • Day case surgery cash benefit

Enjoy various benefits for the care you need, including:

  • Rehabilitation benefit
  • Traditional Chinese medicine for Designated Cancers
  • Pregnancy complication benefit
  • Day case surgery cash benefit

Extra Services for Comprehensive Support

Extra Services for Comprehensive Support

  • Cashless Arrangement Service for Hospitalisation

  • Cashless Arrangement Service for Hospitalisation

Download Product Brochure

BEFORE YOU APPLY

Eligibility requirements

Age 0 (15 days 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 Supreme Medical Plan - Flexi 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 Hong Kong Special Administrative Region(“HKSAR”). The insurance plan(s) are 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(s).

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 Supreme Medical Plan

Visit a branch
FAQS
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 -

  1. enhance the protection level of hospital insurance products;
  2. provide the public with an additional choice of using private healthcare services through hospital insurance; and
  3. relieve the pressure on the public healthcare system in the long run.
What is the scope of VHIS?

VHIS covers insurance products which -

  1. provide hospital insurance protection of indemnity nature bought by individuals for themselves and their families;

VHIS does not cover insurance products which -

  1. provide non-hospital medical insurance protection e.g. outpatient services; or
  2. provide non-indemnity medical insurance protection e.g. hospital cash, critical illness cash plans; or
  3. 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.

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