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Zurich VHIS Series


Plan ahead for you and your family to counteract the rising medical expenses. Act now!

Zurich VHIS Series


Plan ahead for you and your family to counteract the rising medical expenses. Act now!

  1. Plan highlights
  2. Plan comparison
  3. Case study
  4. How to claim
  5. Forms and documents
  6. Other information

Zurich VHIS Series consists of three unique Certified Plans registered under the Voluntary Health Insurance Scheme– HealthSure Voluntary Health Insurance Plan, HealthFlexi Voluntary Health Insurance Plan and HealthFlexi Plus Voluntary Health Insurance Plan - aiming to provide comprehensive and flexible protections to you and your family.
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.

Why Zurich VHIS Series?

Tax Deduction Benefits
Flexibility to suit your needs
Different levels of protection that suit different budgets and personal needs
Guaranteed Renewal
Tax deduction benefits
Up to HKD 8,000 can be deducted from your annual taxable income for each insured person
100% Coverage
Guaranteed renewal
Policy is renewable1 up to aged 100, regardless of any changes in your health conditions
Enhanced medical protection beyond the group medical insurance
Unknown pre-existing conditions
Covers unknown conditions that have existed before policy issuance
Worldwide medical protection
Worldwide medical protection
Coverage of local and overseas medical expenses
Caring claims services
Caring claims services
Claim pre-assessment in 1 business day and claim result notification in 5 business days

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.

Which of the following best describes your medical needs?
Most affordable choice. No additional exclusion will be imposed due to a change in health conditions at time of renewal
Enhanced benefit in addition to those covered in Standard Plan. You can further boost your core coverage by adding supplementary major medical benefit
Higher benefit limit allows you to stay in a better ward with improved privacy
Full coverage on major items of medical expenses. Up to HKD6,000,000 annual coverage at an attractive premium with different deductible options
HealthFlexi - Essential Plan
(Flexi Plan)
more info
VHIS Certification Number
F00044-01-000-02
F00044-01-001-02
Plan highlight
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
  • HKD 50,000
  • HKD 25,000
  • HKD 12,500
  • HKD 5,000
  • HKD 54,000
  • HKD 27,000
  • HKD 13,500
  • HKD 5,750
  • HKD 80,000
  • HKD 40,000
  • HKD 20,000
  • HKD 8,000
Actual cost
Prescribed Non-surgical Cancer Treatments more info
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 more info
Please refer to the Certified Plans Benefit Summary for details
Not applicable Applicable Applicable Applicable
Other benefits more info
Please refer to the Certified Plans Benefit Summary for details
Not applicable Applicable Applicable Applicable
Estimated coverage4
HealthSure HealthFlexi (Essential plan) HealthFlexi (Essential Plan with SMM) HealthFlexi (Advanced plan) HealthFlexi (Advanced Plan with SMM) HealthFlexi Plus
Fever with hospitalization
75%-85% 85%-95% 85%-95% 85%-95% 85%-95% 100%
Cataract surgery (Day case)
75%-85% 80-90% 85%-95% 85%-95% 85%-95% 100%
Myomectomy
65%-75% 70%-80% 85%-95% 80%-90% 85%-95% 100%
Knee replacement
60%-70% 63%-73% 83%-93% 65%-75% 85%-95% 100%
Stage-two breast cancer
10%-20% 10%-20% 15%-25% 15%-25% 20%-30% 99%
Hide the Key benefit limit and Estimated coverage Key benefit limit and Estimated coverage
Download Certified Plans benefit summary

2Except psychiatric treatments.

3Except psychiatric treatments. Asia including Australia and New Zealand.

4 Estimated 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.

Most affordable choice. No additional exclusion will be imposed due to a change in health conditions at time of renewal
Enhanced benefit in addition to those covered in Standard Plan. You can further boost your core coverage by adding supplementary major medical benefit
Higher benefit limit allows you to stay in a better ward with improved privacy
Full coverage on major items of medical expenses. Up to HKD6,000,000 annual coverage at an attractive premium with different deductible options
HealthSure
(Standard plan) more info
HealthFlexi
(Flexi Plan) more info
HealthFlexi
(Flexi Plan) more info
HealthFlexi Plus
(Flexi Plan) more info
Plan highlight Plan highlight Plan highlight Plan highlight

Plan level

Standard

Plan level

Essential

Plan level

Advanced

Plan level

Prestige

Lifetime benefit limit

No limit

Lifetime benefit limit

No limit

Lifetime benefit limit

No limit

Lifetime benefit limit

HKD 25,000,000

Annual benefit limit

HKD 420,000

Annual benefit limit

HKD 550,000

Annual benefit limit

HKD 750,000

Annual benefit limit

HKD 6,000,000

Territorial scope of cover

Worldwide2

Territorial scope of cover

Worldwide2

Territorial scope of cover

Worldwide2

Territorial scope of cover

Asia3/ Worldwide excluding the United States2

Room type restriction

No limit

Room type restriction

No limit

Room type restriction

No limit

Room type restriction

Standard semi-private

Deductible options

Not applicable

Deductible options

Not applicable

Deductible options

Not applicable

Deductible options

HKD 0 / HKD 60,000 / HKD 90,000 / HKD 150,000
Key benefit limit Key benefit limit Key benefit limit Key benefit limit

Room and board

HKD 750 per day
Maximum 180 days per policy year

Room and board

HKD 900 per day
Maximum 180 days per policy year

Room and board

HKD 1,800 per day
Maximum 180 days per policy year

Room and board

Actual cost

Miscellaneous charges

HKD14,000 per policy year

Miscellaneous charges

HKD 16,000 per policy year

Miscellaneous charges

HKD 24,000 per policy year

Miscellaneous charges

Actual cost

Surgeon's fee:

more info

Complex

HKD 50,000

Surgeon's fee::

more info

Complex

HKD 54,000

Surgeon's fee::

more info

Complex

HKD 80,000

Surgeon's fee::

more info

Complex

Actual cost

Major

HKD 25,000

Major

HKD 27,000

Major

HKD 40,000

Major

Actual cost

Intermediate

HKD 12,500

Intermediate

HKD 13,500

Intermediate

HKD 20,000

Intermediate

Actual cost

Minor

HKD 5,000

Minor

HKD 5,750

Minor

HKD 8,000

Minor

Actual cost

Prescribed Non-surgical Cancer Treatments

more info
HKD 80,000 per policy Year

Prescribed Non-surgical Cancer Treatments

more info
HKD 80,000 per policy Year

Prescribed Non-surgical Cancer Treatments

more info
HKD 120,000 per policy Year

Prescribed Non-surgical Cancer Treatments

more info
Actual cost

Enhanced benefits

more info
Not applicable

Enhanced benefits

more info
Applicable

Enhanced benefits

more info
Applicable

Enhanced benefits

more info
Applicable

Other benefits

more info
Not applicable

Other benefits

more info
Applicable

Other benefits

more info
Applicable

Other benefits

more info
Applicable
Estimated coverage4 Estimated coverage4 Estimated coverage4 Estimated coverage4
HealthSure HealthFlexi
(Essential plan)
HealthFlexi
(Essential Plan with SMM)
HealthFlexi
(Advanced plan)
HealthFlexi
(Advanced Plan with SMM)
HealthFlexi Plus

Fever with hospitalization

Estimated expenses: HKD 21,600

more info
75%-85%

Fever with hospitalization

Estimated expenses: HKD 21,600

more info
85%-95%

Fever with hospitalization

Estimated expenses: HKD 21,600

more info
85%-95%

Fever with hospitalization

Estimated expenses: HKD 21,600

more info
85%-95%

Fever with hospitalization

Estimated expenses: HKD 21,600

more info
85%-95%

Fever with hospitalization

Estimated expenses: HKD 21,600

more info
100%

Cataract surgery (Day case)

Estimated expenses: HKD 20,050

more info
75%-85%

Cataract surgery (Day case)

Estimated expenses: HKD 20,050

more info
80-90%

Cataract surgery (Day case)

Estimated expenses: HKD 20,050

more info
85%-95%

Cataract surgery (Day case)

Estimated expenses: HKD 20,050

more info
85%-95%

Cataract surgery (Day case)

Estimated expenses: HKD 20,050

more info
85%-95%

Cataract surgery (Day case)

Estimated expenses: HKD 20,050

more info
100%

Myomectomy

Estimated expenses: HKD 81,130

more info
65%-75%

Myomectomy

Estimated expenses: HKD 81,130

more info
70%-80%

Myomectomy

Estimated expenses: HKD 81,130

more info
85%-95%

Myomectomy

Estimated expenses: HKD 81,130

more info
80%-90%

Myomectomy

Estimated expenses: HKD 81,130

more info
85%-95%

Myomectomy

Estimated expenses: HKD 81,130

more info
100%

Knee replacement

Estimated expenses: HKD 150,040

more info
60%-70%

Knee replacement

Estimated expenses: HKD 150,040

more info
63%-73%

Knee replacement

Estimated expenses: HKD 150,040

more info
83%-93%

Knee replacement

Estimated expenses: HKD 150,040

more info
65%-75%

Knee replacement

Estimated expenses: HKD 150,040

more info
85%-95%

Knee replacement

Estimated expenses: HKD 150,040

more info
100%

Stage-two breast cancer

Estimated expenses: HKD 1,515,240

more info
10%-20%

Stage-two breast cancer

Estimated expenses: HKD 1,515,240

more info
10%-20%

Stage-two breast cancer

Estimated expenses: HKD 1,515,240

more info
15%-25%

Stage-two breast cancer

Estimated expenses: HKD 1,515,240

more info
15%-25%

Stage-two breast cancer

Estimated expenses: HKD 1,515,240

more info
20%-30%

Stage-two breast cancer

Estimated expenses: HKD 1,515,240

more info
99%
Hide the Key benefit limit and Estimated coverageKey benefit limit and Estimated coverage
Download Certified Plans benefit summary

2Except psychiatric treatments.

3Except psychiatric treatments. Asia including Australia and New Zealand.

4 Estimated 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) HealthSure estimated coverage (HKD)
Pre-procedure out-patient consultation more info
1,000 580
Surgeon's fee more info
12,000 12,000
Operating theatre charge more info
5,000 4,200
Miscellaneous charges more info
1,050 1,050
Post-procedure out-patient consultation more info
1,000 580
Total more info
20,050 18,410
more info Remarks

Brian, a 16-year-old student who loves playing football, recently suffered from injury in an inter-school football competition. He heard a popping sound during the injury and experienced a sudden knee pain that made him unable to continue with the game.He then went to see an orthopedic doctor. The doctor recommended him to undergo magnetic resonance imaging for diagnosis.

Brian was diagnosed with anterior cruciate ligament tear after undergoing diagnostic tests. A surgery to reconstruct the anterior cruciate ligament and post-surgery physiotherapy treatments were recommended. The medical expenses from diagnosis to recovery cost HKD111,660 in total. Luckily, Brian's mother purchased Zurich's HealthFlexi (Essential plan with SMM benefit) for Brian one year ago and the plan covered around 90% of the expenses.

Expense items Eligible medical expense (HKD) HealthFlexi (Essential Plan) Estimated Coverage (HKD)
Pre-confinement treatment
Diagnostic imaging test (MRI) more info
5,500 3,850
Pre-confinement outpatient consultation more info
1,000 580
Confinement
Room and board more info
2,400
(800 x 3 days)
2,400
Miscellaneous charges more info
5,950 5,950
Attending doctor's visit fee more info
2,400
(800 x 3 days)
2,400
Surgeon's fee more info
41,800 27,000
Operating theatre charge more info
33,360 9,450
Anesthetist's fee more info
13,750 9,450
SMM benefit4 more info
- 34,408
(with SMM)
Post-confinement treatment
Physiotherapy session more info
5,500
(1,100 x 5 visits)
5,500
Total more info
111,660 100,988
(with SMM)
66,580
(without SMM)
more info Remarks

Emily, aged 50, is an accountant. She found out that she had a painless lump in her breast and was diagnosed with stage-two breast cancer after undergoing diagnostic tests, including breast biopsy. Emily's attending doctor advised Emily to undergo mastectomy.

Emily had the surgery and stayed in a semi-private room for seven days. Later, she underwent radiotherapy, targeted therapy and hormonal therapy. The medical expenses totaled HKD 1,515,240, in which the cancer treatments account for 92% of the total expenses. Luckily, Emily has purchased HealthFlexi Plus (with no deductible) and the plan fully covered her medical expenses for her confinement and cancer treatments.

Expense items Eligible medical expense (HKD) HealthFlexi Plus estimated coverage (HKD)
Pre-confinement treatment
Diagnostic tests
(including Breast Biopsy) more info
6,300 1,600
Confinement
Doctor's fee6 more info
52,930 52,930
Operating theatre charge more info
22,920 22,920
Anesthetist's fee more info
14,550 14,550
Hospital charges7 more info
18,540 18,540
Cancer treatment
Radiotherapy more info
100,000 100,000
Targeted Therapy more info
300,000 300,000
Hormonal therapy more info
1,000,000 1,000,000
Total more info
1,515,240 1,510,540
more info Remarks

Kate is a successful businesswoman. Apart from busy working every day, she also needs to take care of her aged parents. Unfortunately, she passed out in office one day, and was diagnosed with severe uterine fibroids during checkup.

Due to the complexity of the medical and surgical conditions, the doctor estimated that she needed to be hospitalized for a week, and the medical expenses would amount to HKD 126,960. Luckily, Kate had purchased Zurich's HealthFlexi Plus with HKD 60,000 deductible to supplement the coverage from the group medical insurance provided by her employer. Kate could expect the deductible amount of HKD 60,000 to be covered by her employer's medical plan with the remaining HKD 66,960 covered by HealthFlexi Plus. Kate could choose to stay in a semi-private room at her trusted private hospital to receive treatment, while focusing her efforts on recovery. As a result, she did not need to worry about the medical expenses affecting the financial conditions of her family.

Expense items Eligible medical expense (HKD) HealthFlexi Plus estimated coverage (HKD)
Doctor's fee6 more info
60,500 Fully cover the actual costs of hospital and surgical charges after the HKD 60,000 deductible
Operating theatre charge more info
28,510
Anesthetist's fee more info
17,000
Hospital charges7 more info
20,950
Total more info
126,960 66,960
more info Remarks

How to submit a Claim

1-business-day for claim pre-assessment

Submit Claim
If you wish to assess the eligible claim amount before you receive the treatment or hospitalization, please download the "Pre-hospitalization claim assessment form". Fill in the form by you and your registered attending physician, and send by email to vhis_claims@hk.zurich.com at least 3 business days in advance of the scheduled treatment or hospitalization. We will inform you by email of the assessment result in 1 business day upon receiving the form.

5-business-day claim result notification

1. Submit a Claim

Submit Claim

Fill in the claim form and submit it with all other supporting documents by post.

Please click here for details of claim procedure, forms and required documents.

>

2. Acknowledgement

Acknowledgement

You will receive an SMS and/ or email for acknowledgement.

>

3. Claim Processing

Claim Processing

We will process your claim as soon as possible and contact you for additional supporting documents if necessary.

>

4. Claim Result

Claim Settlement

After we have received all the required documents, you will receive the claim result through SMS/email/mail within 5 business days.

We will reimburse the claim amount by cheque or depositing into your designated bank account according to your preference.

Forms and documents

Product brochure

Other information

1. What is Voluntary Health Insurance Scheme (VHIS)?

The Voluntary Health Insurance Scheme ("VHIS") is a policy initiative introduced by the Food and Health Bureau ("FHB") to regulate indemnity hospital insurance plans offered to individuals. The objectives of such initiative are to enhance the protection level of hospital insurance products, and to encourage the public to use private healthcare services when in need. The Certified Plans under VHIS can be divided into Standard Plans and Flexi Plans. Standard Plans provide standardized coverage; on top of the Standard Plan-equivalent coverage, Flexi Plans, provide higher benefit amount and more benefit items.


2. Why do we need the VHIS plans?

Medical expenses continue to increase over time, so individuals should plan for the medical protection needs of themselves and their family members as soon as possible. The VHIS Certified Plans are certified by FHB to fulfill a number of standard features with an objective to enhance consumer protection by standardizing policy terms and conditions (applicable to Standard Plans only). The Certified Plans under VHIS meet multiple standardized product features, including:

Tax deduction

Hong Kong taxpayer, who or whose spouse is the policyholder of a policy issued under a Certified Plan of VHIS, may claim tax deductions up to HKD 8,000 per insured person for the premiums paid in relation to the Certified Plan in each assessment year. The insured person of the Certified Plan should be the taxpayer or any of the specified relatives, which include the taxpayer's spouse and children1, and the taxpayer's or his/her spouse's grandparents2, parents3 and siblings3. There is no limit on the number of insured persons and the number of eligible policies4.

Premium transparency

Consumers can access or view the details of the premium schedules of all Certified Plans at the websites of the participating insurance companies and the official VHIS website.

Eligibility before aged 80; guaranteed renewal5 up to aged 100

VHIS plans provide guaranteed renewal up to the age of 100 years, regardless of any change in health conditions of the insured person. Also, the VHIS Standard Plans have no "lifetime benefit limit", and the benefits will not lapse until the insured person reaches the age of 100 years.

Coverage of unknown pre-existing conditions

Pre-existing conditions unknown to applicants are commonly excluded from benefit coverage in the existing indemnity hospital insurance plans available in the market. VHIS provides the following waiting period and reimbursement arrangement for pre-existing conditions:

First Policy Year no coverage
Second Policy Year 25% reimbursement
Third Policy Year 50% reimbursement
Fourth Policy Year onwards full coverage

1Children i) aged less than 18; ii) aged 18 to less than 25 receiving full-time education; or iii) aged 18 or above but incapacitated for work by reason of physical or mental disability
2Parents or grandparents i) aged less than 55 but eligible to claim an allowance under the Government's Disability Allowance Scheme or ii) aged 55 or above.
3Brothers or sisters i) aged less than 18; ii) aged 18 to less than 25 receiving full-time education or iii) aged 18 or above but incapacitated for work by reason of physical or mental disability.
4Tax deduction for the qualifying premiums paid under VHIS policy (not including levy) will be based on the premiums paid after deducting the premium discount (if any). Whether tax deduction is allowable for the qualifying premiums paid under VHIS policy (not including levy) are subject to the Inland Revenue Ordinance and the circumstances of the policy holder (as taxpayer) and the insured person(s) (as specified relative(s)). Please refer to the website of the Inland Revenue Department (IRD) or contact the IRD directly for any tax related enquiries. Zurich does not provide tax and/or legal advice. You should consult independent tax and/or legal advisor if needed.
5Subject 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.


3. How to calculate the tax deduction amount of VHIS plans?

The maximum amount that a taxpayer is eligible for claiming a tax deduction is HKD 8,000 per insured person in each assessment year. Hence, the tax deduction could be considered as discounts to VHIS plans.

The calculation of tax deduction is quite simple, and please refer to the formula as shown below:

Tax deduction amount = VHIS premium X tax rate

Assume VHIS premium is HKD 5,000 annually, and taking the standard tax rate at 15% as an example, the tax deduction amount equals = HKD 5,000 X 15% = HKD 750.

Tax deduction is also applicable to VHIS purchase for specified relatives (Refer to Question 2). Policyholder can apply for tax deduction for a maximum amount of HKD 8,000 per insured person for themselves or specified relatives. For example, a family of four is eligible to claim tax deduction up to HKD 32,000 per assessment year.


4. Can one split policy ownership with another person?

No. Zurich's underwriting practice allows one policy holder per policy.


5. How to choose between Standard Plan and Flexi Plan?

Standard Plans provide standardized basic coverage. If the claim reaches the coverage limit of any of the benefit item, there will be no extra medical benefits for buffer. On the other hand, Flexi Plans provide comprehensive and diversified medical coverage with more superior hospital insurance benefits.

Premiums of the two plans are different due to the variation in coverage and benefits. Flexi Plans provide better hospital benefits in general, but at a higher premium. You may consider choosing Flexi Plans to enhance your protection if budget allows. If your employer provides group medical insurance, which offers some levels of medical benefits and coverage, then the Flexi Plans with deductible options could act as a top-up cover and let you enjoy more comprehensive protection at a reasonable premium.


6. If you have already purchased medical insurance or are covered by your company's group medical insurance, why do you still need VHIS?

VHIS plans offer more comprehensive coverage than most of the existing hospital insurance plan in the market. Group medical insurance usually provides basic coverage and may not fully cover certain expensive medical expenses. You should also take into consideration the risk of absence of medical coverage during job transition or unemployment. By choosing the Flexi Plans with a deductible amount, which complements your existing group medical insurance, you could get comprehensive coverage at a reasonable premium.


7. Is/are newborn baby or parents over age of 70 years also eligible to purchase VHIS plans?

Hong Kong residents between the age of 15 days and 80 years are eligible to apply for Certified Plans. You could also enjoy tax deduction benefits if you purchase VHIS plans for specified relatives (refer to Question 2) and yourself, up to a maximum limit of HKD 8,000 for each insured person.


8. How to submit a claim and how long will it take to process?

Zurich strives to provide convenient and easy claim services. Simply take the following four steps to complete the claim process:

Step 1: Obtain all the required documents before discharged from hospital, complete the claim form and submit it together with all the necessary documents within 90 days after discharge from the hospital. The required documents include the originals of all receipts along with the proof of diagnosis, treatment category, treatment procedures, tests and/or services.

Step 2: You will receive an acknowledgment SMS and/or email to confirm that we have received your claim application.

Step 3: We will process your claim as quickly as possible, and we will contact you via email/ phone/ post to obtain other supporting document(s) if necessary.

Step 4: Upon receipt of your completed claim form and all required documents, we will conduct the claim assessment and notify you the claim result within five business days, through SMS, email or post. After the claim process is completed, we will reimburse the claim amount as soon as possible according to your selected payment method.


9. How to get more information about VHIS?

For more information about VHIS, you can visit the official website of VHIS provided by FHB https://www.vhis.gov.hk/en/; for tax deduction related information, you can visit the Inland Revenue Department website https://www.ird.gov.hk/eng/faq/vhis_qp.htm; and for matters related to regulations of insurance company, you can visit the Insurance Authority website https://www.ia.org.hk/en/index.html. You are reminded to seek independent professional advice if necessary.

Our customer service representatives are always ready to answer your queries regarding VHIS. If you have any questions, please feel free to call our customer service hotline at +852 2968 2288 or e-mail us at enquiry@hk.zurich.com.


If you are the existing policy holder of Indemnity Hospital Insurance Products ("IHIP Products1") 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 contact our hotline at +852 2903 9391.

1IHIP 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.


Key Exclusions

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.
  1. Treatments, procedures, medications, tests or services which are not medically necessary.
  2. Confinement solely for the purpose of diagnostic procedures or allied health services, including but not limited to physiotherapy, occupational therapy and speech therapy.
  3. 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.
  4. 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.
  5. 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.
  6. Prophylactic treatment or preventive care, including but not limited to general check-ups, routine tests, screening procedures for asymptomatic conditions.
  7. Dental treatment and oral and maxillofacial procedures performed by a dentist except for emergency treatment and surgery during confinement arising from an accident.
  8. 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.
  9. Purchase of durable medical equipment or appliances including but not limited to wheelchairs, hearing aids, or over-the-counter drugs.
  10. 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.
  11. Experimental or unproven medical technology or procedure.
  12. Congenital condition(s) which have manifested or been diagnosed before the insured person attained the age of eight (8) years.
  13. Eligible expenses which have been reimbursed under any law, or medical program or insurance policy provided by any government, company or other third party.
  14. War (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection, or military or usurped power.

Premium and terms and benefits adjustments

  1. 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.
  2. 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.

Cooling-off Period and Cancellation Right

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.


Termination of Policy

The policy will end if -
  1. you fail to pay the premium within thirty (30) days after the due date;
  2. the Insured Person dies; or
  3. the Company has ceased to have the requisite authorisation under the Insurance Ordinance to write or continue to write this Policy

Other Important Information

  1. 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.
  2. You are reminded to seek independent professional advice if necessary.
  3. 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.

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