Are you considering buying a private healthcare policy?
Navigating the world of health insurance can be overwhelming, but we're here to simplify the process for you. Finding comprehensive and high-quality private healthcare is an important way to protect yourself and your family. Whether it's ensuring swift access to specialists, avoiding lengthy public hospital wait times, or securing coverage for specialised treatments, private healthcare offers a range of benefits tailored to your needs.
We will refer you to our specialist partners who are experienced advisors and insurance brokers. They can guide you through the complexities of health insurance and help you find the best policy that fits your requirements and budget. From individual plans to family coverage, we're dedicated to providing clear information and personalised recommendations that will empower you to make informed decisions.
We understand that every individual and family is unique. That's why our partner advisors are committed to finding a solution that provides you with peace of mind, knowing that you're covered no matter which path your life takes. They can help you to explore your options, understand your policy choices, and ensure you have the best private healthcare coverage for you and your loved ones.
What are the key benefits of a private healthcare policy?
Private health insurance is designed to enhance healthcare accessibility and quality for individuals, ensuring more personalised and efficient care, which is particularly valuable in a densely populated city like Hong Kong.
Faster Access to Medical Care
Private healthcare policies typically offer shorter waiting times for treatments and procedures, allowing for quicker access to specialists and elective surgeries, which can be crucial for timely medical care.
Choice of Doctors and Hospitals
Policyholders can choose from a wide network of private doctors and hospitals, giving them the freedom to select their preferred healthcare providers and facilities, which can enhance comfort and satisfaction with their care.
Comprehensive Coverage
Private health insurance often covers a broader range of treatments and services, including those not available under the public system. This includes advanced medical treatments, alternative therapies, and in some cases, overseas medical treatments.
Private Room Benefits
Many private healthcare plans provide the option for a private room during hospital stays, ensuring more comfort and privacy, which can significantly improve the overall patient experience and recovery environment.
Preventive Care Services
Private insurance policies may include preventive care services like health screenings, vaccinations, and regular check-ups that help in early detection of diseases, contributing to better health outcomes and potentially lower long-term healthcare costs.
The Voluntary Health Insurance Scheme (VHIS) is a government-initiated program designed to alleviate the burdens on Hong Kong's public healthcare system by encouraging more residents to use private healthcare services. Unlike standard private health insurance policies, VHIS policies are regulated by the Hong Kong government to ensure a minimum standard of coverage, including guaranteed renewal up to age 100, no lifetime benefit limit, and coverage of pre-existing conditions under specific terms.
Standardisation of Coverage
All VHIS policies adhere to stringent government stipulations that standardise the coverage items and terms. This includes mandatory coverage for hospitalisation and outpatient surgeries, which promotes transparency and comparability among different insurance plans, aiding consumers in making informed decisions.
Coverage of Pre-existing Conditions
A standout feature of VHIS policies is the partial coverage of pre-existing conditions, which is not typically offered by other private health insurance plans. After a specified waiting period, policyholders may receive compensation for medical expenses related to pre-existing conditions, enhancing the inclusivity and appeal of these plans.
Tax Deductions
VHIS policyholders are eligible for tax deductions on their premiums, up to a specified limit per insured person each year. This added incentive makes VHIS an attractive option for residents looking to reduce their taxable income while securing comprehensive health insurance.
Guaranteed Renewal
VHIS policies assure policyholders of guaranteed renewal up to age 100 without the risk of policy termination regardless of changes in health status or claims history. This provides long-term security for subscribers, ensuring they have continuous health coverage as they age.
When speaking with an advisor or insurance broker it’s always a good idea to check your VHIS options and see how they compare to other policies in the market.
How can private healthcare help different age groups?
Private health insurance provides tailored benefits across different life stages, ensuring that each phase of life is supported with appropriate healthcare coverage:
Young Adults
For young adults, private health insurance is vital in covering services that may not be prioritised in public health systems, like mental health, sports injuries, and preventive care. These plans can offer fast access to specialists and advanced treatments, which are crucial for this active and often mobile age group.
Families
For those in their family-building years, private health insurance can significantly offset costs related to maternity and childbirth, paediatric services, and family health. Insurance at this stage ensures that the entire family has access to preferred hospitals and doctors, helping manage health proactively with less waiting time.
Middle-Aged Adults
As chronic conditions more commonly arise during middle age, having private health insurance means better coverage for routine screenings like colonoscopies or mammograms, and more complex procedures without long delays. This can be crucial for early detection and management of health issues.
Seniors
For seniors, private health insurance becomes invaluable as it covers higher costs associated with ageing, such as treatment for age-related illnesses, long-term care, and higher levels of medical attention. Policies adapted to this life stage often focus on maximising comfort and quality of life through comprehensive care options.
Are you ready to make your healthcare enquiry?
No problem. We can connect you to expert help and advice today. Just click this button and complete our quick and easy form.
Our partners have established and longstanding relationships with leading healthcare providers in Hong Kong, including renowned brands such as Bupa, Cigna, AXA, and FWD.
By working closely with these and other insurance providers, they can offer you a comprehensive and panoramic view of the market.
Each healthcare provider has its own unique strengths, ensuring a diverse range of policies that cater to various healthcare needs and preferences.
Bupa, with its global expertise, provides extensive coverage and a commitment to personalised healthcare. Cigna is known for its innovative solutions and customer-centric approach. AXA, a prominent player, offers reliable policies with a focus on customer well-being. FWD brings a fresh perspective, combining flexibility and comprehensive coverage.
Our partners have very strong relationships with these providers allowing you to make informed decisions, guiding you toward policies that align with your individual requirements, and ultimately fostering a healthier and more secure future.
At Vivonis, we recognise the concerns individuals may face when seeking health insurance in Hong Kong. It can feel daunting to navigate the complexities of the healthcare market alone.
Our partners empathise with your needs, and they understand that a healthcare policy goes beyond mere coverage—it's about securing your health, well-being, and peace of mind.
Working with leading experts, they operate under the strict regulations of Hong Kong's authorities, ensuring your protection.
There's no obligation when you enquire about a healthcare policy with us.
Your privacy and information security are our top priorities.
To start your healthcare policy enquiry, simply complete our straightforward form and click 'Submit'.
Everyone deserves access to reliable, affordable health insurance. Complete our form today, click 'Submit,' and take advantage of some expert assistance in your search for a happier, healthier, more secure future.
A dedicated policy advisor will reach out to you, typically within minutes. They'll listen to your health coverage needs and concerns, discuss your policy options, and guide you through the application process.
