Zurich VHIS Series
Zurich VHIS Series consists of three unique Certified Plans registered under the Voluntary Health Insurance Scheme - aiming to provide comprehensive and flexible protections to you and your family. Plan ahead for you and your family to counteract the rising medical expenses. Act now!
Apply now Why Zurich VHIS Series?
Zurich VHIS Series offer guaranteed renewal up to aged 100. We offer different levels of protection and provide you with the flexibility to choose among the best treatment options available according to your own budgets and personal needs.
1 Subject to meeting requirements in the renewal provisions of policy terms and conditions and making payment of prevailing premium on each policy anniversary. Zurich reserves the right to amend premium, benefits and terms upon policy renewal.
View benefit summaryWhich of the following best describes your medical needs?
💡A basic medical coverage at an affordable premium?
👍HealthSure
Most affordable choice. No additional exclusion will be imposed due to a change in health conditions at time of renewal.
Most affordable choice. No additional exclusion will be imposed due to a change in health conditions at time of renewal.
💡Enhanced benefits in addition to basic medical coverage?
👍HealthFlexi - Essential Plan
Enhanced benefit in addition to those covered in Standard Plan. You can further boost your core coverage by adding supplementary major medical benefit.
Enhanced benefit in addition to those covered in Standard Plan. You can further boost your core coverage by adding supplementary major medical benefit.
💡Get better protection without having to worry about the expenses in case of medical complication?
👍HealthFlexi - Advanced Plan
Higher benefit limit allows you to stay in a better ward with improved privacy.
Higher benefit limit allows you to stay in a better ward with improved privacy.
💡Enjoy superior private medical services with more comprehensive medical coverage?
👍HealthFlexi Plus
Full coverage on major items of medical expenses. Up to HKD6,000,000 annual coverage at an attractive premium with different deductible options.
Full coverage on major items of medical expenses. Up to HKD6,000,000 annual coverage at an attractive premium with different deductible options.
Plan highlights
| Plan Name | HealthSure | HealthFlexi | HealthFlexi Plus | |
| Type of certified plan | Standard | Flexi | ||
| Plan level | Standard | Essential | Advanced | Prestige |
| Lifetime benefit limit | No limit | No limit | No limit |
HKD 25,000,000 |
| Annual benefit limit | HKD 420,000 | HKD 550,000 | HKD 750,000 | HKD 6,000,000 |
| Territorial scope of cover | Worldwide2 | Worldwide2 | Worldwide2 | Asia3/ Worldwide excluding the United States2(US) |
| Room type restriction | No limit | No limit | No limit | Standard semi-private |
| Deductible options | Not applicable | Not applicable | Not applicable | HKD 0 / HKD 60,000 / HKD 90,000 / HKD 150,000 |
| Key benefit limit | ||||
| Room and board | HKD 750 per day Maximum 180 days per policy year |
HKD 900 per day Maximum 180 days per policy year |
HKD 1,800 per day Maximum 180 days per policy year |
Actual cost |
| Miscellaneous charges | HKD14,000 per policy year | HKD 16,000 per policy year | HKD 24,000 per policy year | Actual cost |
| Surgeon's fee (Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures) | ||||
| Complex | HKD 50,000 | HKD 54,000 | HKD 80,000 | Actual cost |
| Major | HKD 25,000 | HKD 27,000 | HKD 40,000 | |
| Intermediate | HKD 12,500 | HKD 13,500 | HKD 20,000 | |
| Minor | HKD 5,000 | HKD 5,750 | HKD 8,000 | |
| Prescribed Non-surgical Cancer Treatments (Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.) | HKD 80,000 per policy Year | HKD 80,000 per policy Year | HKD 120,000 per policy Year | Actual cost |
| Enhanced benefits (Please refer to the Certified Plans Benefit Summary for details.) | Not applicable | Applicable | Applicable | Applicable |
| Other benefits (Please refer to the Certified Plans Benefit Summary for details.) | Not applicable | Applicable | Applicable | Applicable |
Estimated coverage4
| Plan Name | HealthSure | HealthFlexi | HealthFlexi Plus | |||
| Type of certified plan | Standard | Flexi | ||||
| Plan level | Standard | Essential | Essential with SMM | Advanced | Advanced with SMM | Prestige |
| Fever with hospitalization3 Pediatrician fee: HKD 7,020 Hospital charges (3 days inpatient stay): HKD 14,580 Estimated expenses: HKD 21,600 |
75%-85% | 85%-95% | 100% | |||
| Cataract surgery (Day case)3 Operating theatre charge: HKD 5,000 Doctor's fee: HKD 12,000 Anesthetist's fee: HKD 0 Hospital charges: HKD 1,050 Estimated expenses: HKD 18,050 |
75%-85% | 80-90% | 85%-95% | 100% | ||
| Myomectomy3 Operating theatre charge: HKD 19,060 Doctor's fee: HKD 36,630 Anesthetist's fee: HKD 9,980 Hospital charges: HKD 15,460 Estimated expenses: HKD 81,130 |
65%-75% | 70%-80% | 85%-95% | 80%-90% | 85%-95% | 100% |
| Knee replacement3 Operating theatre charge: HKD 56,820 Doctor's fee: HKD 55,130 Anesthetist's fee: HKD 16,360 Hospital charges: HKD 21,730 Estimated expenses: HKD 150,040 |
60%-70% | 63%-73% | 83%-93% | 65%-75% | 85%-95% | 100% |
| Stage-two breast cancer3 Diagnostic tests: HKD 6,300 Operating theatre charge: HKD 22,920 Doctor's fee: HKD 52,930 Anesthetist's fee: HKD 14,550 Hospital charges: HKD 18,540 Radiotherapy: HKD 100,000 Targeted Therapy: HKD 300,000 Hormonal Therapy: HKD 1,000,000 Estimated expenses: HKD 1,515,240 |
10%-20% | 10%-20% | 15%-25% | 15%-25% | 20%-30% | 99% |
2Except psychiatric treatments.
3Except psychiatric treatments. Asia including Australia and New Zealand.
4Estimated coverage is an estimation of claim amount under each Certified Plan for different conditions in accordance with Zurich's assessment. The level of severity, proposed medical treatment, and actual medical expenses vary for different medical cases. The estimated coverage is for reference only, and should not be construed as actual claim result of any cases. All benefits payable are subject to benefit limits of particular benefit items, please refer to 'Terms and Conditions' for details.
5Source: Charges of Common Surgery of July 2019 – December 2019 from Union Hospital.
The information related to surgical costs is for reference only. The actual costs would vary depending on the complexity of each medical case and the difference in charges of individual doctors.
Case Study
John, a 70-year-old retired grandpa, recently found that his vision became blurry and saw glare under sunlight or strong lights. Sometimes, he even saw double or several ghost images. So, he went to see an ophthalmologist.
John was diagnosed with cataract in both eyes, which is common among the elderly. The ophthalmologist recommended John to undergo a surgery to remove the lens and replace them with an artificial lens. The procedure could be performed at a day surgery centre and did not require an overnight stay in a hospital. The medical expenses amounted to HKD20,050 in total. Fortunately, John's son purchased Zurich's HealthSure for his father years ago and the plan covered more than 90% of the medical expenses.
| Expense items | Eligible medical expense (HKD) | Benefit limit of HealthSure (HKD) | HealthSure estimated coverage (HKD) |
| Pre-procedure out-patient consultation | 1,000 | 580 per visit (max. 1 visit per confinement/day case procedure) | 580 |
| Surgeon's fee | 12,000 | 12,500 (intermediate surgery) | 12,000 |
| Operating theatre charge | 5,000 | 35% of surgeon's fee payable | 4,200 |
| Miscellaneous charges | 1,050 | 14,000 per policy year | 1,050 |
| Post-procedure out-patient consultation | 1,000 | 580 per visit (max. 3 visits per confinement/day case procedure) | 580 |
| Total | 20,050 | 18,410 |
How to submit a claim
Migration arrangement
If you are the existing policy holder of Indemnity Hospital Insurance Products ("IHIP Products*") before the implementation of VHIS (October 16, 2019), you will be entitled to a one-off, non-compulsory migration facilitation to HealthSure Voluntary Health Insurance Plan or HealthFlexi Plus Voluntary Health Insurance Plan upon renewal. Upon successful migration to one of our VHIS plans, the existing IHIP Product's coverage will be terminated.
For more information about the migration arrangement, please view this page with more details contact our hotline at +852 2903 9391.
*IHIP Products include CareMultiple Medical Insurance Plan, HealthMultiple Medical Insurance Plan, HassleFree Health Insurance Plan, HealthNoble Medical Insurance Plan, HealthAngel Medical Insurance Plan, HealthPlus Medical Insurance Plan and other applicable medical policies.Forms and documents
| Premium schedule |
HealthSure (Standard plan) HealthFlexi - (Flexi Plan) HealthFlexi Plus - (Flexi Plan) |
|---|---|
| Policy and benefit provision |
HealthSure (Standard plan) HealthFlexi - (Flexi Plan) HealthFlexi Plus - (Flexi Plan) |
| Product brochure |
Zurich VHIS Series |
|
Useful Forms |
Important plan information
Want to know more? Visit our VHIS FAQ article here.
The following list is for reference only and it is not a full list of exclusions. Please refer to the Terms and Conditions of the respective plan for the complete list and details of exclusions. Zurich will not pay any benefits in relation to or arising from the following expenses.
- Treatments, procedures, medications, tests or services which are not medically necessary.
- Confinement solely for the purpose of diagnostic procedures or allied health services, including but not limited to physiotherapy, occupational therapy and speech therapy.
- Human Immunodeficiency Virus ("HIV") and its related Disability, which is contracted or occurs before the policy effective date, except for sexual assault, medical assistance, organ transplant, blood transfusions or blood donation, or infection at birth.
- Dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents, self-inflicted injuries or attempted suicide, illegal activity, or venereal and sexually transmitted disease or its sequelae.
- Services for beautification or cosmetic purposes, unless necessitated by Injury caused by an Accident or correcting visual acuity or refractive errors that can be corrected by fitting of spectacles or contact lens, including but not limited to LASIK.
- Prophylactic treatment or preventive care, including but not limited to general check-ups, routine tests, screening procedures for asymptomatic conditions.
- Dental treatment and oral and maxillofacial procedures performed by a dentist except for emergency treatment and surgery during confinement arising from an accident.
- Medical services and counselling services relating to maternity conditions and its complications, including but not limited to abortion or miscarriage; birth control or reversal of birth control.
- Purchase of durable medical equipment or appliances including but not limited to wheelchairs, hearing aids, or over-the-counter drugs.
- Traditional Chinese medicine treatment, including but not limited to herbal treatment, bone-setting and, acupuncture, and other forms of alternative treatment including but not limited to qigong, massage therapy and aromatherapy.
- Experimental or unproven medical technology or procedure.
- Congenital condition(s) which have manifested or been diagnosed before the insured person attained the age of eight (8) years.
- Eligible expenses which have been reimbursed under any law, or medical program or insurance policy provided by any government, company or other third party.
- War (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection, or military or usurped power.
- The premiums will vary depending on the attained age of the Insured Person, at each policy anniversary and are not guaranteed. We may adjust the premium upon renewal according to the prevailing standard premium schedule adopted by us on an overall portfolio basis. In addition, we will regularly review our products including revising the premium rates. When reviewing the premium rates, we will consider our claims experience, medical cost inflation, and other factors.
- We may revise the terms and benefits of the plans on an overall portfolio basis at the time of policy renewal. We will provide you with a written notice of any revision upon renewal or before the end of the policy year.
You have the right to cancel the policy and obtain a refund of any premiums and any levy paid by giving written notice to us. Such notice must be signed by you and received directly by our office at 25-26/F, One Island East, 18 Westlands Road, Island East, Hong Kong within the cooling-off period i.e., 21 days immediately following the day of delivery of the policy or the cooling-off notice to you or your nominated representative (whichever is the earlier). After the cooling-off period, you can request cancellation of this policy by giving 30 days prior written notice to us, provided that there has been no benefit payment under this policy during the relevant policy year.
The policy will end if -
- you fail to pay the premium within thirty (30) days after the due date;
- the Insured Person dies; or
- the Company has ceased to have the requisite authorisation under the Insurance Ordinance to write or continue to write this Policy
- The information in this website is for reference only and does not constitute any part of the insurance contract. For full terms and conditions and exclusions, please refer to the policy document itself which shall prevail in case of inconsistency. Zurich Insurance Company Ltd reserves the right of final approval and decision.
- You are reminded to seek independent professional advice if necessary.
- Both English and Chinese versions are official versions and neither one shall prevail over the other. Any inconsistency shall be interpreted in favour of the Policy Holder.
Registration Number of VHIS Provider: 00024
Registration Effective Date: 28 February 2019