# VHIS Hong Kong

> Every health plan certified under Hong Kong's Voluntary Health Insurance Scheme, priced from the Standard Premium
> Schedules each insurer filed with the Health Bureau, read from each plan's own certified Benefit Schedule and Terms
> and Benefits, with every schedule archived on data.gov.hk since March 2021.

579 certified plans from 28 insurers: AIA, AXA, Allianz, Asia Insurance, Avo, BOC, Blue Cross, Bolttech, Bowtie, Bupa, China Life, China Taiping, Chow Tai Fook, Chubb, Cigna, Dah Sing, FWD, HSBC Life, Hong Kong Life, Liberty, MSIG, Manulife, Prudential, Sun Life, Well Link, YF Life, ZA Life, Zurich.

Premiums are annual, in the plan currency, before the Insurance Authority levy. Rate history is a record of filings
with age held constant; it is a track record and never a forecast. Nothing here says whether a person will be
accepted, which is decided by the insurer at issue, and nothing here is regulated advice.

## Pages
- [Compare every plan](https://www.vhishongkong.com/): answer five questions, see every plan priced, lowest first
- [Insurers](https://www.vhishongkong.com/insurers): each insurer's certified plans and premium increase record
- [Plans](https://www.vhishongkong.com/plans): a page per certified plan, with cover, filed terms and rate record
- [Premium increases](https://www.vhishongkong.com/increases): the market table, every insurer since 2021

## For agents
- [MCP server](https://www.vhishongkong.com/mcp): fifteen tools over streamable HTTP at https://mcp.vhishongkong.com/mcp
- Open tier needs no key: plan cover, plan wording, the filed rate record, and three explained picks
- A free key adds the ranked price list, comparison and renewal estimates. The adviser hand-off needs no key

## Terms
- [Privacy](https://www.vhishongkong.com/privacy)
- [Terms](https://www.vhishongkong.com/terms)