VHIS is implemented and regulated by the Food and Health Bureau (FHB). FHB compiled the benefit scope, benefit amount and the provision of VHIS.
The 3 main differences between VHIS and the other medical plans in the markets are:
1) there is no annual limited in other medical plans but a HK$420,000 in VHIS, by which maintain the low level of premium of VHIS;
2)other medical plans do not cover the unknown pre-existing conditions and congenital conditions treatment, however, VHIS will provide partial coverage for them;
3)other medical plans do not cover the prescribed advanced diagnostic imaging tests done at outpatient, however, VHIS does cover 70% of the expenses.