Voluntary Health Insurance Scheme

Online Service Suspension Notice:
In order to cope with system maintenance, our online service will be suspended from 23th May 2025, 10:00 pm to 11:30 pm. We are sorry for any inconvenience caused.
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Please be informed that due to network issues, some of our customers located outside of Hong Kong are unable to receive our SMS notifications as usual. We are actively working on a solution and will resolve the incident as soon as possible.
We apologise for any inconvenience caused, thank you for your understanding and patience.

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Policy Owner CTF Life Planner Intermediaries CIRCLE Member

CTF Life helps its customers and their loved ones to navigate through life with personalised planning solutions and experiences, creating value beyond insurance and achieving sustainable growth. By providing our customers with four life pillars – GROWealth, EDUtainment, PowerUp and FAMmunity – we are giving access to new lifestyle experiences and helping them craft a holistic plan that enables them to live life to the fullest.

As at 31 December 2024, CTF Life’s solvency ratio on the Hong Kong Risk Based Capital basis stood at 266%, which is distinctly higher than the minimum regulatory requirement of 100%.

"ChampCare" Medical Insurance Plan

Annual Benefit Limit of up to HKD 30,000,000 and Lifetime Benefit Limit of up to HKD 120,000,000
Full coverage of eligible medical expenses under the key benefit items with no itemised benefit sublimit
Comprehensive inpatient/outpatient Chinese medical benefits
Multiple flexible options to meet your protection needs and budget

"FlexiCare" Medical Insurance Plan

VHIS Flexi Plan with Premium Discount and Tax Deduction
Full coverage with no itemised benefit sublimit
Global coverage of inpatient and outpatient Chinese medical treatment and Comprehensive coverage of psychiatric treatments

"TopCare" Medical Insurance Plan

VHIS Flexi Plan with Premium Discount and Tax Deduction
Renewal premium will not increase with age after age 70 with guaranteed renewal up to age 128 plus no lifetime benefit limit and deductible
Major Medical Benefit Reimbursement Percentage of up to 100%

"BetterCare" Medical Insurance Plan

VHIS Flexi Plan with Premium Discount and Tax Deduction
Renewal premium will not increase with age after age 70 with guaranteed renewal up to age 100
No Lifetime Benefit Limit and Deductible

“WiseCare” Medical Insurance Plan

VHIS Certified Standard Plan with Tax Deduction
Combines the advantages of VHIS in affordable premiums
Covering Prescribed Diagnostic Imaging Tests and Unknown Pre-existing Conditions

The above product summary is for reference only. For more details on the product, please refer to the policy terms and benefits.
If you are interested in this product, please contact your insurance consultant.

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