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[Must-Read for Job Changers] What to do without Group Medical Insurance? Which of Voluntary Health Insurance Scheme (the“VHIS”) or normal medical insurance is a better choice?
  • Nowadays, it’s common for young people to change their jobs frequently*. Whether you are turning the new page, taking a long break to recharge, or seeking the freedom of working the freelance or part-time job, there can be a gap period of medical insurance coverage. When you face with unexpected medical expenses, such as hospitalisation or surgery, you may end up bearing the high medical expenses out of your own pocket. Even if the new company offers group medical insurance, you may not be fully covered for all outpatient, hospitalisation, and surgical expenses, and this coverage may not be entitled during your probation period.
  • To relieve your concern about sudden medical expenses, you should choose the "Just Right" medical coverage based on your budget. Apart from Job Changer Medical Protection^Blue Cross Love Yourself VHIS Plan is a great option which offers comprehensive medical insurance. You can even design your own cover by selecting the plan level, deductible amount, optional outpatient benefits and optional dental benefits. What’s more! You can enjoy tax deduction from VHIS, ensuring you have the "Just Right" coverage, especially having the VHIS serves as coverage when changing jobs, in order to take good care of yourself and those around you.
  • It is common for busy individuals to have minor health issues. All-in-one Outpatient Insurance can meet those needs. Even if you feel dizzy or unwell, you can enjoy comprehensive outpatient coverage at the designated network clinics for general practitioner’s consultations, Chinese medicine practitioner treatments or specialist’s consultations, providing you with peace of mind.
Blue Cross also offers a range of medical insurance plans to meet your needs.
Plans Plan Highlights
Blue Cross Dynasty VHIS Plan Provide superior medical protection with transparency and guarantee lifetime renewal with an annual benefit limit of HK$10,000,000 and a lifetime benefit limit of HK$48,000,000.
CareForYou Super Flexi Plan for VHIS Benefits beyond basic VHIS, including Kidney Dialysis, Stroke Rehabilitation, Post-confinement / Day Case Procedure Chinese Medicine Practitioner Outpatient Care and more.
CareForYou Standard Plan for VHIS Provide standardised basic medical protection with affordable premium. Blue Cross's renowned guarantee of quality services, rest assured you will be well taken care of.
Dental Plan A standalone dental insurance plan that does not require dental examination or individual underwriting. Routine oral examination benefits are covered upon enrolment.
Tycoon Medical Insurance Plan Elite medical insurance plan offers protection up to US$3,000,000 per year, together with a wide array of benefit items, enabling you to customise a plan that meets your health needs.
Caring Medical Protection Plus Specially designed for Blue Cross Group Medical Insurance members, aiming to enhance medical coverage affordably with the option to extend coverage to your spouse and children.
* Source: edigest.hk - 轉工｜香港求職市場活躍，年輕人跳槽頻繁成新常態
^ Job Changer Medical Protection has ceased to accept new application