^{^}Terms and conditions apply to the above product and offers. Please note the relevant product risks, credit risks and early surrender loss.
For details of the first-year premium discount offers, please click here .

Remarks:

1. Full coverage shall mean the actual amount of eligible medical expenses and other expenses charged and payable in accordance to the Policy Provisions (“Terms and Benefits”) of this policy.
2. The annual benefit limit of up to HKD40,000,000 per policy year is only applicable to the diamond level. The annual benefit limit for each policy year may vary for different plan level. Please see the product brochure for details.
3. Pre-existing condition(s) shall mean, in respect of the insured person, any sickness, disease, injury, physical, mental or medical condition or physiological degradation, including congenital condition, that has existed prior to the policy issuance date or the policy effective date, whichever is earlier. An ordinary prudent person shall be reasonably aware of a pre-existing condition, where (a) it has been diagnosed; (b) it has manifested clear and distinct signs or symptoms; or (c) medical advice or treatment has been sought, recommended or received. HSBC Life may impose case-based exclusion(s) to the pre-existing condition(s) notified to HSBC Life in the application for the VHIS Flexi Plan and any subsequent information or document submitted to HSBC Life for the purpose of the application. Unknown pre-existing condition(s) refers to any 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 application. Please refer to the Policy Provisions for the full and detailed terms and conditions.
4. For Vital Care Voluntary Health Insurance Flexi Plan, the full coverage amount can be received for the following countries/regions depending on the plan level:
   a) Bronze level - Greater China;
   b) Silver level & Gold level - Asia, Australia and New Zealand;
   c) Platinum level - Worldwide except the United States;
   d) Diamond level - Worldwide
   You are also eligible to enjoy the benefits of HSBC Voluntary Health Insurance Standard Plan, which includes worldwide coverage but subject to the deductible amount of the policy. Please refer to the Policy Provisions ("Terms and Benefits") of the Plan for more details.

   	Greater China(1)	Asia(1), Australia and New Zealand	Worldwide(1)	United States
   Bronze	Full coverage with HKD5m annual benefit limit and HKD20m lifetime benefit limit	Standard Plan benefits
   Silver	Full coverage with HKD25m annual benefit limit and no lifetime benefit limit		Standard Plan benefits
   Gold	Full coverage with HKD30m annual benefit limit and no lifetime benefit limit		Standard Plan benefits
   Platinum	Full coverage with HKD35m annual benefit limit and no lifetime benefit limit			Standard Plan benefits
   Diamond	Full coverage with HKD40m annual benefit limit and no lifetime benefit limit

   1. Greater China shall mean mainland China, Hong Kong, Macau and Taiwan. Asia shall mean Afghanistan, Bangladesh, Bhutan, Brunei, Cambodia, Greater China, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Malaysia, Maldives, Mongolia, Myanmar, Nepal, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam. Worldwide shall mean no geographical limitation. Except for psychiatric treatment and cash benefit for lower ward class are applicable to Hong Kong only. Please refer to the Additional Benefit Provisions Endorsement for more details.
5. The actual geographic locations/regions covered vary for different plan levels. Please see the product brochure for details.
6. Cashless Arrangement is a credit facility and is not one of the product features of the relevant policies. Payments under Cashless Arrangement could be made by the Company on behalf of the policyholder directly to network facilities in respect of the relevant policy. It is not an admission of claim eligibility and the actual entitlement to reimbursements for eligible medical expenses is subject to the (a) applicable benefit limits and exclusions under the Policy Provisions and (b) the acceptance of Cashless Arrangement by the network doctors and network healthcare facilities under the Care+ Medical Network . Only eligible medical expenses within the pre-authorisation limit for necessary and specified medical treatments will be covered through Cashless Arrangement. The Company reserves the right to seek reimbursement from the policyholder if the medical costs paid by us is higher than the maximum amount of benefit. This is an optional service. Clients can opt-out the services by writing to the Company. The Company reserves the right to amend, suspend, terminate the service or amend the terms and conditions thereof from time to time without prior notice.
7. Only policyholders and their spouses who are Hong Kong taxpayers are eligible for tax deduction. Tax deduction for qualifying premiums paid under a VHIS policy (excluding levy) will be based on the premiums paid after deducting the premium discount, if any. Your actual tax savings may be lower than the amount in the example, as each case is determined by the Inland Revenue Department. For more information, please visit www.ird.gov.hk or seek independent tax advice. Hang Seng Bank and HSBC Life do not intend to give any tax, immigration, or professional advice, and will not give any tax, or professional advice.
8. Unless otherwise specified, all ages mentioned in this page refer to the age of the insured person on his or her last birthday.

Disclosure of information:

The above information is a product summary for reference only. Please refer to the Policy for the detailed coverage, exclusions, terms and conditions.
The tax incentives mentioned in this webpage are only available to Hong Kong taxpayers. Whether tax deduction is allowable for all or any part of the qualifying premiums paid under your VHIS Plan and the actual tax deductible and/ or saving amount shall be subject to your personal circumstances, the provisions of the Inland Revenue Ordinance (Cap. 112 of the Laws of Hong Kong SAR) and the Inland Revenue Department's discretion. All the information relating to VHIS tax incentive included in this webpage is not intended to provide any form of tax advice. Hang Seng Bank Limited does not provide tax advice. If you are in doubt with your tax status or any information relating to tax incentives, you should obtain independent professional advice or visit the Inland Revenue Department's website. Please note that the tax law, regulations and/or interpretations are subject to change and may affect any related tax incentive including the eligibility criteria for a tax deduction. Hang Seng Bank Limited is not responsible for informing you about any changes in laws, regulations or interpretations, and how they may affect you.

Vital Care Voluntary Health Insurance Flexi Plan (the "Plan") is underwritten by HSBC Life (International) Limited ("HSBC Life").
HSBC Life is authorised and regulated by the Insurance Authority of the Hong Kong SAR to carry on long-term insurance business in Hong Kong. The Plan is a product of HSBC Life and not Hang Seng Bank. HSBC Life will be responsible for providing your insurance coverage and handle the network management under your policy.
Hang Seng Bank Limited ("Hang Seng Bank") is registered in accordance with the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) as an insurance agency (License No.: FA3168) of HSBC Life for the distribution of its health insurance schemes in the Hong Kong SAR. Upon application for this Plan, insurance premium will be payable to HSBC Life, and HSBC Life will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.
In respect of an eligible dispute (as defined in the Terms of Reference of the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and customers out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with customers; however, any dispute over the contractual terms of the above insurance product should be resolved between Hang Seng Bank and customers directly.
Customers are subject to HSBC Life's credit risk because all customer premiums paid become part of HSBC Life's assets. Customers do not have any rights or ownership over any of HSBC Life's assets. Customers can only claim against HSBC Life's under all circumstances.