#10
Blue Cross VHIS Flexi Smart Plan
From ~HK$265/mo(HK$265)
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Blue Cross VHIS Flexi Smart Plan (藍十字自願醫保靈活寶計劃) from Blue Cross (Asia-Pacific) Insurance carries a 8.9/10 actuarial rating with HK$5,000,000 annual medical protection across Ward / Semi-Private tiers.
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View canonical entity profile (2 lists) →Blue Cross VHIS Flexi Smart Plan (藍十字自願醫保靈活寶計劃) from Blue Cross (Asia-Pacific) Insurance carries a 8.9/10 actuarial rating with HK$5,000,000 annual medical protection across Ward / Semi-Private tiers.
Key Metrics
Insurer
Blue Cross (Asia-Pacific) Insurance
: 10Life Actuary Score: 8.9 / 10
Annual Coverage Limit
HK$5,000,000
Lifetime Limit
Unlimited (No Lifetime Cap)
Deductible Options
HK$0 / HK$15,000 / HK$30,000
Hospital Room Tier
Ward / Semi-Private
VHIS Tax Deduction
Up to HK$8,000/insured/yr
Pros and Cons
Pros
- Fast 24/7 Blue Cross app e-claims, competitive mid-tier pricing
- optional outpatient & dental add-on modules
Cons
- Annual limit lower than HK$20M–HK$40M high-end SMM VHIS plans
Eligibility
- Hong Kong residents aged 15 days to 80 years
- qualifies for HKSAR Inland Revenue VHIS tax deduction. Promo: Online instant discount + SmartPoints rewards + HK$8,000 tax deduction
Things to Watch Out For
- Annual limit lower than HK$20M–HK$40M high-end SMM VHIS plans
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