Migrating your scheme to a designated VHIS plan

If you're part of our designated schemes, you now have the opportunity to switch to the Zurich VHIS Series at your policy renewal without underwriting, provided you select the recommended plan. While the new plan offers more flexibility, please review the conditions outlined below. Once approved, your coverage under the new plan will begin seamlessly from your existing policy’s anniversary date.

VHIS

Benefits of migration

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.

  • Tax reduction

    You can claim a tax deduction of up to HK$8,000 per insured person each year for eligible Zurich VHIS Series.

  • No underwriting

    No underwriting is required if you select the plan we've recommended. Please refer to the Coverage Comparison section below to identify your equivalent plan.

  • Enhanced benefits

    Zurich VHIS Series offers higher coverage for most Hospital and Surgical Benefit items compared to your existing plan, with no annual or lifetime benefit limits at any age.

  • Coverage for unknown pre-existing conditions

    Zurich VHIS Series covers unknown pre-existing conditions and congenital conditions diagnosed or showing symptoms from age 8, effective from your policy start date, subject to General Exclusions.

  • Product discounts

    After migrating to Zurich VHIS Series, you will continue to enjoy any discounts you currently receive, subject to Zurich VHIS Series eligibility criteria.

  • Exclusions

    Both your existing plan and Zurich VHIS Series have general policy exclusions that apply to all members. Any specific exclusions from your Zurich scheme will carry over unchanged to your Zurich VHIS Series policy.

Coverage comparison

Check out the equivalent plan you can migrate to without underwriting in the below
Your existing plan level Consider under Zurich VHIS Series

Advanced plan (section 1,2,3)
Deluxe plan (section 1,2,3)

Health Flexi Advanced Plan
without supplementary major medical benefit
Premium schedule
Policy wordings
Advanced plan (section 4A, 5, 6 Non-smoker & smoker)

Deluxe plan (section 4A, 5, 6 Non-smoker & smoker)

 Health Flexi Advanced Plan
with supplementary major medical benefit
Premium schedule
Policy wordings
Essential plan (section 1,2,3)

HealthSure Standard Plan
Premium schedule
Policy wordings
Essential plan (section 4A, 6 Non-smoker & smoker) HealthFlexi - Essential Plan (Flexi Plan)
with supplementary major medical benefit
Premium schedule
Policy wordings

Point to note

Before you change your existing scheme to Zurich VHIS Series
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You may think about:

The differences of plans including benefits and coverage offered, premium and discounts, policy terms (including definitions, benefit provisions and general exclusions), availability of tax deduction, and use of cashless service and network coverage. Underwriting may be required for migration if adding optional benefits.

Visit VHIS product page
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How do I proceed with migration?
For more information about the migration arrangement, please contact our hotline at +852 2903 9391 or fill in the contact form.
Contact form