- Terms and Conditions apply.
- Terms and Conditions apply .
- HSBC Life reserves the right to modify the discount and offer at any time without prior notice.
- The list of HSBC Life Care+ Medical Network providers and specialties are subject to change.
- 3-month Standard Plan free trial includes main member and up to 2 sub-members. The discounted price of HKD333 for 3 months of Premium Plan applies to main member and up to 5 sub-members.
- Includes oral examination, clinical advice, scale and polish, tooth extraction, tooth filling, root canal treatment, crown and bridge.
- This service is only available in Hong Kong. Delivery time will depend on your delivery location and actual traffic conditions. An additional charge of HKD50 for medicine delivery or HKD20 for prescription delivery is applicable per consultation for Premium Plan members. For Standard Plan members, you can purchase video consultation including medicine delivery for HKD250 each.
- Hong Kong taxpayer who is the policyholder of a policy issued under a certified plan of Voluntary Health Insurance Scheme (VHIS) may claim tax deductions for the premiums paid (excluding discount and levy) for yourself and your specified relatives up to HKD8,000 per insured person per assessment year. The amounts are for illustrative purposes only. The actual amounts of tax deductible and/or saving depend on the personal circumstances, and may be different from the amounts illustrated. For details, please visit the website of the Inland Revenue Department (ird.gov.hk) or seek independent tax advice.
The Ultimate Healthcare Combo
Outpatient + Inpatient
Comprehensive protection for your health
HealthPass
Get 3-month free trial1
VHIS One Plan
Up to 60% off on first-year premium2！
Access healthcare the smarter way
Activate and use immediately!
Start your 3-month trial and enjoy up to 20% off3 on doctor visits.
HSBC Life is giving away 160,000 free trials of HealthPass in Hong Kong!
From now until 30 November 2025, enter HEALTH160 to enjoy HealthPass limited time offers, no medical assessment required. Enjoy up to 20% off consultation fees at 2,000+ healthcare providers in the Greater Bay Area4.
HSBC HealthPass
Enjoy savings on doctor visits and dental care
Long wait at the doctors? High dental costs? Unwell but too busy to book a doctor’s appointment?
Save on both money and time with HealthPass!
Save on both money and time with HealthPass!
Up to 20% off doctor visits across the Greater Bay Area
Covers 2,000+ network health providers including General Practitioners (GP), dental6, Traditional Chinese Medicine, physiotherapy and more
Share healthcare benefits with your loved ones
Add up to 5 sub-members to your plan5
Video consultations from home
Skip the commute and queues – consult a GP on video and even have medicine delivered to your home7. Premium plan members can enjoy unlimited video consultations
Case Study01
Fix your teeth without breaking the bank!
Enjoy 20% off dental services in Hong Kong!
Save on scaling, filling, extractions, crowns and more!
Save on scaling, filling, extractions, crowns and more!
Plastic Thing
Case Study02
Case Study02
Exceptional value!
Get 3 months of Premium Plan for a special total price of HKD333 and enjoy unlimited video consultations!
(regular price: HKD 250 per video consultation)
Affordable, convenient and stress-free health care at your fingertips!
(regular price: HKD 250 per video consultation)
Affordable, convenient and stress-free health care at your fingertips!
For any enquiries, log on to the HSBC HK Mobile Banking app and start a live chat.
HSBC VHIS One Plan
Comprehensive medical protection giving you peace of mind for your medical expenses
This voluntary health insurance plan covers your essential medical needs from the first-dollar, with optional Supplementary Major Medical coverage. Apply with ease online!
No geographical or ward class restrictions
Extend your protection with Supplementary Major Medical (SMM)
Tax deduction of up to HKD 8,0008 per insured person
Activate your HealthPass and enjoy up to 60% off2 on your first-year premium when applying for the HSBC VHIS One Plan.
For any enquiries, log on to the HSBC HK Mobile Banking app and start a live chat.
HSBC Life
HealthPass Artist Series
Grab your limited-edition HealthPass collectible cards, with a fun mash-up of local vibes and health tips, brought to you by HSBC Life and top 10 local illustrators!
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Central & Western ⨰ Din Dong
Wan Chai ⨰ Din Dong
Eastern ⨰ LOSZEHAHA
Southern ⨰ Peep
Yau Tsim Mong ⨰ Plastic thing
Sham Shui Po ⨰ Pen So
Kowloon City ⨰ Taimasing
Wong Tai Sin ⨰ Toballki
Kwun Tong ⨰ Taimasing
Kwai Tsing ⨰ Plastic thing
Tsuen Wan ⨰ Pen So
Tuen Mun ⨰ Din Dong
North District ⨰ Moving Drawing
Yuen Long ⨰ My Boy Ngau Chai 
Islands District ⨰ My Boy Ngau Chai
Sai Kung ⨰ Moving Drawing
Sha Tin ⨰ LOSZEHAHA
Tai Po ⨰ Toballki
Macau ⨰ Stephen & Stitt
Greater Bay Area ⨰ Stephen & StittCentral & Western ⨰ Din DongWan Chai ⨰ Din DongEastern ⨰ LOSZEHAHASouthern ⨰ PeepYau Tsim Mong ⨰ Plastic thingSham Shui Po ⨰ Pen SoKowloon City ⨰ TaimasingWong Tai Sin ⨰ ToballkiKwun Tong ⨰ TaimasingKwai Tsing ⨰ Plastic thingTsuen Wan ⨰ Pen SoTuen Mun ⨰ Din DongNorth District ⨰ Moving DrawingYuen Long ⨰ My Boy Ngau Chai Islands District ⨰ My Boy Ngau ChaiSai Kung ⨰ Moving DrawingSha Tin ⨰ LOSZEHAHATai Po ⨰ ToballkiMacau ⨰ Stephen & StittGreater Bay Area ⨰ Stephen & StittPlay
Pause
Central & Western ⨰ Din DongWan Chai ⨰ Din DongEastern ⨰ LOSZEHAHASouthern ⨰ PeepYau Tsim Mong ⨰ Plastic thingSham Shui Po ⨰ Pen SoKowloon City ⨰ TaimasingWong Tai Sin ⨰ ToballkiKwun Tong ⨰ TaimasingKwai Tsing ⨰ Plastic thingTsuen Wan ⨰ Pen SoTuen Mun ⨰ Din DongNorth District ⨰ Moving DrawingYuen Long ⨰ My Boy Ngau Chai Islands District ⨰ My Boy Ngau ChaiSai Kung ⨰ Moving DrawingSha Tin ⨰ LOSZEHAHATai Po ⨰ ToballkiMacau ⨰ Stephen & StittGreater Bay Area ⨰ Stephen & StittPrev
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HSBC Life
HealthPass Tour
HSBC Life will be giving out limited-edition HealthPass collectible cards every week at different areas from 4 Oct, bringing a boost of health wherever you are!
FAQ
More about HealthPass
Please present your valid eHealth card (in HealthyLife app) and ID document (HKID or eligible passport) when you visit the doctor / clinic. Birth Certificate is acceptable for child.
Our network of medical service providers is regularly updated, so we can't provide a fixed list in advance. (Please visit our website/app for the latest list from time to time) But we're pleased to tell you that there are over 2,000 providers in Hong Kong, Macau, as well as the Mainland cities of the Greater Bay Area.
After activating HealthPass, there'll be auto-renewal at the original price by default upon expiry of free trial or discounted period. Your HealthPass membership (and benefits) will automatically renew unless auto-renewal is explicitly turned off by the main member.
The purchased plan can't be changed or refunded. If you'd like to change your plan, e.g. adjust the billing cycle and/or number of members. you may do so when purchasing a new plan at the expiry of your subscription period (please be reminded to cancel auto-renewal of your existing plan).
No, you can't; at least not until the expiry of your current subscription period. Provided you have cancelled auto-renewal of your existing plan, you shall thereafter be able to purchase a new plan with new/updated sub-member details.
HealthPass members can enjoy the HealthPass benefits by accessing their own HealthyLife App if they are:
- HSBC Banking customers who hold an HSBC HK Mobile Banking app digital profile
- 18 years of age and older
Customers holding:
- a valid HKID; or
- a valid passport (where HKID isn’t available)
- Go to Well+ homepage.
- Select HealthPass.
- Select 'Subscription management'
- Select 'Cancel auto-renewal'.
Flexible billing cycles are available to suit your needs. You can choose either monthly (30 days) or annual (365 days) payment plans.
You may pay by your HSBC HKD bank accounts or HSBC HKD Visa or Mastercard credit cards
For Premium Plan, the main member will need to pay for the fees below under the plan, including on behalf of sub-members. Below fees will be charged to your chosen payment method for HealthPass.
- Medicine delivery fee of HKD50
- Medicine delivery fee of HKD50
More about VHIS One Plan
Yes, VHIS One Plan offers a guaranteed renewal up to age 100, but subject to the terms and conditions for the termination of policy.
No. We will not impose any additional rate of premium loading or case-based exclusion(s) or re-underwriting* upon renewal. Renewal is guaranteed up to the age of 100 of the insured person
For VHIS One Plan, it provides worldwide coverage but the benefit amount is limited by the plan’s sub-limits.
There is no restriction for room type for VHIS One Plan.
Only the eligible expenses arising from unknown pre-existing condition(s) that the policyholder and/or insured person was not aware and would not reasonably have been aware of at the time of submission of application, shall be payable.
For VHIS One Plan, immediate coverage should be granted once the policy being effective as per the benefit schedule respective limits.
For VHIS One Plan, immediate coverage should be granted once the policy being effective as per the benefit schedule respective limits.
Yes, our plan covers breast reconstruction if it is medically necessary.
If an Insured Person undergoes surgical treatment for breast cancer, and Surgeon’s fee is payable for such surgical treatment, benefit item “Specified reconstructive surgery benefit”, shall be payable for eligible expenses for breast reconstruction surgery performed (to restore one or both of the Insured Person’s breasts for beautification or cosmetic purposes) which occurs at the same time or within twelve (12) months from the date of the surgical treatment for breast cancer, subject to the limit as stated in the Benefit Schedule of the respective Plan.
If an Insured Person undergoes surgical treatment for breast cancer, and Surgeon’s fee is payable for such surgical treatment, benefit item “Specified reconstructive surgery benefit”, shall be payable for eligible expenses for breast reconstruction surgery performed (to restore one or both of the Insured Person’s breasts for beautification or cosmetic purposes) which occurs at the same time or within twelve (12) months from the date of the surgical treatment for breast cancer, subject to the limit as stated in the Benefit Schedule of the respective Plan.
It would be subject to the total annualized premium you paid on VHIS certified plan and subject to a maximum HKD8,000 for each insured person, assume the tax rate is 10% and the applicant paid total premium HKD8,000 for VHIS certified plan, the amount of tax could be saved is HKD800. Please be reminded that we should never provide tax advice. If customer has any questions regarding tax, please advise customer to seek independent tax/ legal advice.
To entitle the tax deduction of VHIS,
- The policyholder is a personal income taxpayer or his/her spouse;
- The insured person is the policyholder or the policyholder’s “specified relatives” as defined under the Inland Revenue Ordinance (Cap. 112); and
- The insured person is a Hong Kong resident*
(*) Including Hong Kong Identity Card holders, and people aged under 11 who are not Hong Kong Identity Card holders but their parents are Hong Kong Identity Card holders when they were born or adopted. For detailed definitions, please refer to Inland Revenue Ordinance Cap. 112.
Yes, it is required to complete the health declaration for the application of VHIS One Plan. According to the underwriting process, we will assess the risk and decide to:
- Accept the application
- Decline/ Postpone the application
- Accept the application with premium loading
- Accept the application with case-based exclusion(s)
- Accept the application with premium loading and case-based exclusion(s)
Yes, customer can request to change the deductible amount or the entitlement to SMM at policy renewal. Underwriting is not required if the request is to increase the deductible amount or to remove the SMM. To decrease the deductible amount or add the SMM, however, would require underwriting.
Remarks
Disclaimer
HSBC HealthPass is a health services-based membership scheme sold and managed by HSBC Life (International) Limited, incorporated in Bermuda with limited liability ('HSBC Life'). HSBC HealthPass is a product of HSBC Life, but not The Hongkong and Shanghai Banking Corporation (the 'Bank'). It's part of the overall Well+ Programme co-branded by HSBC Life and the Bank, and is aimed at rewarding those who are proactive in improving their health and general well-being ('you'). HSBC HealthPass gives customers access to affordable healthcare with discounted health, medical, and wellness services and products. HSBC HealthPass is a membership scheme and not an insurance product.
The HSBC VHIS One Plan is a life insurance plan underwritten by HSBC Life which is authorised and regulated by the Insurance Authority ('IA') to carry on long-term insurance business in the Hong Kong SAR. It is not a bank deposit or bank savings plan. Please refer to the product brochure for detailed features and the policy provisions for the detailed terms and conditions.
HSBC Life is incorporated in Bermuda with limited liability, and is one of the HSBC Group's insurance underwriting subsidiaries. The Bank is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an agency of HSBC Life for the distribution of life insurance products in the Hong Kong Special Administrative Region. This product is a product of HSBC Life but not the Bank and it is intended only for sale in the Hong Kong SAR. Your benefit is subject to the credit risk of HSBC Life. Your premiums paid will form part of HSBC Life's assets. You do not have any rights or ownership over any of those assets. Your recourse is against HSBC Life only.
In respect of an 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 the Bank and you out of the selling process or processing of the related transaction, the Bank is required to enter into a Financial Dispute Resolution Scheme process with you; however, any dispute over the contractual terms of the above insurance product should be resolved between HSBC Life and you directly.