Vital Care Voluntary Health Insurance Flexi Plan
Hang Seng Insurance
Intro
About this product
Hang Seng Insurance · Vital Care Voluntary Health Insurance Flexi Plan
Coverage limits
Coverage limits
Annual benefit limit5,000,000-40,000,000 (by level)
Lifetime benefit limit20,000,000 (Bronze); none for the other levels
Ward classWard to standard private (by level)
Outpatient benefitsPre- and post-hospitalisation outpatient and A&E treatment paid up to in full; outpatient physiotherapy after discharge 3,000-30,000 per policy year (by level)
Psychiatric treatment30,000-50,000 (by level, Hong Kong)
Unknown pre-existing conditionsNo waiting period; unknown pre-existing conditions paid in full
Key facts
Key facts
Benefit limits
Plan type
Flexi plan
0 / 16,000 / 50,000 / 100,000
Policy
Guaranteed renewal
Guaranteed renewal to age 100
Entry age
15 days to age 80
Monthly premium from
From 1,729 a year (Bronze, deductible 100,000)
Tax deduction
Up to 8,000 tax deduction per insured a year
Geographic scope
Greater China to worldwide (by level)
Certified product no.
F00076
Effective from
11 Oct 2026
Source: Official product page Last updated: Data follows the institution's official pages and is not investment or lending advice.