醫保易搵

Summary

VHIS Compass is a voluntary health insurance comparison platform that aggregates premium and coverage data for all certified VHIS plans in Hong Kong, allowing residents to compare plans instantly by entering age, gender, smoking status, and other criteria.

What is VHIS Compass?

VHIS Compass is a free comparison tool for Hong Kong's Voluntary Health Insurance Scheme, drawing data from certified products published by the Health Bureau and insurer premium tables. Users answer a few simple questions (date of birth, gender, smoking status, existing coverage, ward type), and the system filters plans worth comparing based on individual circumstances, displaying reference premiums instantly. The platform explains coverage differences in plain language to help residents review options before purchasing.

Core Capabilities

• Instant premium comparison: View annual premiums for different plans immediately after entering date of birth and criteria
• Coverage difference explanations: Plain-language breakdown of coverage limits, deductibles, and plan types
• Tax deduction information: Overview of VHIS tax deduction principles
• Personalized filtering: Filter plans by age, ward type, application method, and more
• Comparison basket: Add multiple plans for side-by-side comparison

Pros

• Transparent data: Aggregates certified VHIS product data from the Health Bureau, continuously updated
• Simple operation: Step-by-step guidance with instant result updates
• Free to use: No registration or payment required to compare all Hong Kong VHIS plans
• Plain language: Translates complex policy terms into easy-to-understand explanations

Positioning & best fit

VHIS Compass is designed for Hong Kong residents who need to compare voluntary health insurance plans, especially those purchasing for the first time or considering switching. The platform provides reference data to assist initial screening but does not constitute an insurance offer or investment advice.

• First-time buyers: No existing medical coverage, want to understand premiums and coverage scope across plans
• Switchers: Already have insurance, want to compare whether other plans are more suitable
• Tax-conscious individuals: Taxpayers interested in understanding VHIS tax deduction arrangements
• Transparency seekers: Prefer to compare thoroughly before deciding, avoiding blind purchases