Health Essential Medical Plan – Standard

Health Essential Medical Plan – Standard (the "Plan"). is a Certified Plan under the Hong Kong Government's Voluntary Health Insurance Scheme ("VHIS") which is eligible for claiming tax deduction. The Plan offers you a medical insurance, renewal is guaranteed up to the Age of 100 years of the Insured Person.



Good health is the most important asset in our life. As a successful and prosperous individual, you would well prepare for the uncertainty and protect the invaluable asset for you and your family. Hong Kong Life understands the needs of quality medical protection for privileged customers and cordially introduces Vantage Medical Plan (the "Plan"). With lifetime medical protection and full cover for major medical expenses, you are assured of a comprehensive support to face any challenge and enjoy your life!



The Plan offers life protection until aged 100 of the Life Insured while the Premium Payment Term is 10 years only. Also, the Plan covers 45 Dread Diseases and 3 extra juvenile Dread Diseases and the Sum Assured will be increased by 30% automatically starting from the Policy Anniversary immediately following the Life Insured's 85th birthday to meet your protection needs.



1.   Chong Hing Bank Limited ("Chong Hing Bank") acts as an appointed insurance agency of Hong Kong Life Insurance Limited ("Hong Kong Life"), and is licensed Insurance Agency by the Insurance Authority ("IA").
2.   Chong Hing Bank's role is limited to acting as Hong Kong Life’s agent of distributing the insurance products in Hong Kong only. Chong Hing Bank shall not be responsible or liable for any matters in relation to such insurance products which are provided by Hong Kong Life as the principal.
3.   The information contained in this webpage is not and shall not form any part of a contract of insurance and is intended for general reference only. The details terms and conditions for all insurance products are set out in the terms, conditions and exclusions of respective Insurance Policies issued by Hong Kong Life.
4.   This webpage does not constitute any offer, invitation, recommendation, representation, warranty, advice or solicitation with respect to any insurance products.
5.   The insurance products are issued by Hong Kong Life and all insurance applications are subject to Hong Kong Life's underwriting and acceptance. Chong Hing Bank shall not be responsible for any matters in relation to the insurance products provided and the information of other websites linked to Chong Hing Bank's website.
6.   Hong Kong Life is authorised and regulated by the IA to carry out life insurance business in Hong Kong.
7.   The insurance products referred to in this webpage are products of Hong Kong Life but not Chong Hing Bank. In respect of any eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme*) arising between Chong Hing Bank and the customer out of the insurance product selling process or processing of the related transaction, Chong Hing Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any other dispute over the insurance products (such as contractual or underwriting terms) of the insurance products should be resolved or handled between Hong Kong Life and the customer directly.
*Source: Financial Dispute Resolution Centre website

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