"VChoice" Voluntary Health Insurance Plan

VChoice is an individual indemnity hospital insurance product regulated by government. With VChoice, you and your loved ones are protected against medical expenses, helping to alleviate the financial stress of medical treatment. The VChoice Voluntary Health Insurance Plan is a Standard Plan under the Voluntary Health Insurance Scheme (“VHIS”) certified by the Hong Kong Special Administrative Region Government and is underwritten by Bolttech Insurance (Hong Kong) Company Limited. (VHIS Plan Certification Number: S00012-01-000-03). VHIS provider registration number: 00012 effective from 28 February 2019.

Government regulated: pay less in tax and save money
You can be well assured VChoice is Government certified standard plan and if you are a Hong Kong taxpayer, you can claim your tax from the premium you paid for yourself and your qualified family members.
Comprehensive and continuous coverage
Provides you an annual limit of HK$420,000 to cover the hospitalization and surgical expenses while the limit reset annually and guaranteed renewable until age 100 (attained age).
Cover unknown pre-existing conditions
Unknown pre-existing conditions are commonly excluded from regular medical insurance. VChoice, however, offers partial coverage during the initial 3-year waiting period after policy inception (0% of the claim amount in the 1st year, 25% in the 2nd year, and 50% in the 3rd year), followed by full coverage (100%) starting from the 4th year.

Change of policy holder

Companies should not refuse any application by the Policy Holders for the transfer of ownership to –
(a) the Insured Person if he has reached the age of 18 years; (b) the parent or guardian of the Insured Person if he is under the age of 18 years; or (c) any person whose familial relationship with the Insured Person is accepted by the Company according to its prevailing Underwriting practices.

Enquiry and complaint channel

1.VHIS Office of Health Bureau (www.vhis.gov.hk) – for issues specific to the VHIS including product availability, features of Certified Plans and compliance with Code of Practice for Insurance Companies under the Ambit of the Voluntary Health Insurance Scheme; 2.Insurance Authority (www.ia.org.hk) – for issues concerning the general conduct of insurance companies and intermediaries; and 3.Inland Revenue Department (www.ird.gov.hk) – for issues concerning claims for tax deduction. 4.Customers can make enquiries and lodge complaints with us in writing or via our Service hotline 3123 3344.

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