Both of them can compensate the medical fees induced by an accident. However:

For VHIS, if the insured person is injured due to an accident, it will be able to cover the cost of Inpatient treatments and Day Case Procedures.

But for Touch Wood Protector, if the insured is accidentally injured, apart from Inpatient treatments and Day Case Procedures, it also covers the fees of outpatient treatments, namely Physiotherapy, chiropractic and Chinese bone-setting treatments.