Find and buy the best VHIS plan

The Voluntary Health Insurance Scheme (VHIS) is a policy initiative introduced by the Hong Kong government to create transparent, standardised and affordable health insurance for Hong Kong citizens. We compare all the VHIS plans in Hong Kong and help you find the best one for you.



We search the whole market: 25 insurers, 100+ plans.
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Transparent and independent

myVHIS is fully transparent and independent from any insurance company offering all VHIS plans in Hong Kong.

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Expert advice

myVHIS consists of experienced health insurance experts and licensed brokers providing online and offline expert advice.

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Full customer servicing

myVHIS combines the best-in-class online platform with offline customer servicing and full claims support.

What is VHIS
The Voluntary Health Insurance Scheme (VHIS) is a policy initiative introduced by the Hong Kong government to create transparent, standardised and affordable health insurance for Hong Kong citizens.
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    Guaranteed renewal up to age of 100
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    No lifetime benefit limit
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    Coverage for unknown pre-existing conditions
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    Tax deductions up to $8,000 per year

Special deals and rewards

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Best price guarantee

You always get the best deals on myVHIS. If you buy a policy on myVHIS and find a lower rate for the same plan and insurer elsewhere online, we will match it.

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Refer a friend

Refer friends to buy VHIS and you will get 10% of their first year premium in myVHIS points. You can redeem your myVHIS points for cash and vouchers.

Save time and money

Upload your current health insurance policy and the myVHIS team will help you find a plan with at least the same coverage at a better rate and switch to another insurer.

Learn More

Sit and relax

With myVHIS you won’t be tied to any insurance company and won’t need to deal with any insurance company anymore. myVHIS will do everything for you.

One-stop solution for VHIS

We’ve set the bar high to make myVHIS the best and only VHIS solution you will ever need.

Learn about VHIS

Read about VHIS and talk to our experts

Compare VHIS

Compare all VHIS plans in Hong Kong


Apply and buy VHIS

Manage VHIS

Manage your VHIS and policies of your family

Claim VHIS

Submit and track your VHIS claims

Switch VHIS

Switch your VHIS policy to another insurer


The myVHIS team helps customers find the most cost-effective medical coverage depending on their insurance needs. It’s a fine example of innovative collaboration between a cutting-edge digital technology company CoverGo and an established traditional insurance broker group Apex to better serve the needs of Hong Kong consumers. I am also proud that CoverGo is a member of the Cyberport eco-system and has won the Hong Kong government ICT Grand Award.

Dr. George Lam
Chairman of Cyberport

After the launch of VHIS, various insurance companies are mainly promoting their own products. There is a lack of a transparent and comprehensive information platform. myVHIS provides users with one-stop solutions for pricing and purchasing insurance, consultation, through insurance technology, so that you can choose the affordable and most intimate VHIS plan.

Andrew Mak
CEO of myVHIS & Director of Apex

VHIS is a revolutionary product in the Hong Kong insurance market and we are excited to be part of this journey. We are already directly helping insurance companies. making buying and claiming VHIS digital for their customers and now through our partnership with Apex, we can make VHIS accessible to all people in Hong Kong.

Tomas Holub
Technology Partner of myVHIS & CEO of CoverGo

Partnership of insurance and technology leaders

myVHIS is a partnership of two leading companies in their respective fields - Apex and CoverGo - to provide the one number one solution for VHIS in the market.

CoverGo is a market leader in providing insurance enterprise software to insurance companies, bancassurance and brokers. CoverGo was selected by the Hong Kong government ICT as the best technology solution for the insurance and banking industry.

Apex is a leading provider of insurance brokerage and agency services in Hong Kong with over 30 years of experience in the industry. Apex partners with industry-leading insurers to provide tailored services and advices to clients.

Contact Us
+852 3412 2600

11/F, Surson Commercial Building
140-142 Austin Road, Kowloon
Hong Kong

©️ 2021 Apex Insurance Broker Ltd. (Apex) trading with myVHIS as co-broking firm. All rights reserved. All insurance is arranged by Apex. Apex is a registered member of PIBA of Hong Kong (Reg. No. 0212), Insurance Broker Company License No. FB1426 of Apex Insurance Broker Ltd. , Insurance Broker Company License No. FB1841 of VHIS Insurance Services Ltd. Use of this site constitutes acceptance of our Terms of Use, Personal Information Collection Statement and Privacy Policy.