Retirement Planning Series: VHIS Claims Analysis, GBA Healthcare Green Channel, and Long-term Medical Premium Hedging Strategies
Medical expenses are one of the most significant uncertainties in retirement planning. This course is designed to gain insight into how the Voluntary Health Insurance Scheme (VHIS) can be utilized to build a robust medical safety net.
Core Course Highlights:
• Standard Medical Insurance Plan vs. VHIS plan : A structural comparison from the perspective of regulatory compliance and protection clauses, focusing on key differences in "coverage for pre-existing conditions," "guaranteed renewal," and "tax deduction limits"
• Claims Data Analysis: Drilling down into the 2025 Individual Insurance Claims Report. Demonstrating VHIS’s actual payout performance in handling high-cost medical treatments (e.g., cancer, major surgeries) and the critical factors behind the 93% successful claim rate through real-life claim cases
• GBA Healthcare Green Channel: A detailed guide to the Admission process at designated hospitals in Mainland China (covering Grade 3A public and private hospitals), including the activation of "Cashless Hospitalization Services" and the seamless integration of the Green Channel to ensure cross-border medical arrangement efficiency
• Tackling Medical Premium Inflation — "Paid-up" Strategies and Financial Planning: Addressing the pain point of age-based premium hikes in medical insurance, this session will explain how to integrate other financial instruments for "Premium Inflation Hedging." This creates a synthetic "paid-up" effect, ensuring that medical protection remains intact without becoming a financial burden during retirement.
Through this seminar, CPAs (Certified Public Accountants) will master a professional framework for medical protection planning, enabling them to achieve optimized financial arrangements for themselves and their clients.
Ms. Karen Ip, Senior Wealth Management Manager, Manulife Eternity District
Karen graduated from the University of Toronto in 2013. She joined the financial planning industry through AIA’s Executive Development Programme in 2020 and has been a Million Dollar Round Table (MDRT) member for five consecutive years (2021–2025). Karen moved to Manulife in 2023 and was promoted rapidly to Branch Manager. In 2025, she became a licensed representative under the Hong Kong Securities and Futures Commission (SFC). Over the past five years, she has advised and managed retirement and wealth plans for more than 150 families, specializing in integrating tax-deductible annuity solutions and MPF strategies into actionable retirement cash flows.
Mr. Eddie Cheung, Senior Wealth Management Manager, Manulife Eternity District
Eddie graduated from the University of Manchester and his dual degrees were Computer Science and Accounting. He worked as an auditor in PwC and was qualified as an ACCA there in his early career life. Then, he joined UBS and worked as a Middle Office manager for several years mainly focusing on Equity Derivatives Control. He has worked for several other financial institutions in a similar capacity afterwards. In 2016, he joined AIA as a wealth management manager and has been a Million Dollar Round Table (MDRT) member for 3 consecutive years. Eddie moved to Manulife in 2025 and continues to serve his clients with utmost good faith and professionalism. He became a licensed representative under the Hong Kong Securities and Futures Commission (SFC) in the same year, and his goal is to provide high-net-worth Individuals with more holistic financial and succession planning solutions through a family office approach.
| Date: |
2026-06-09 |
| Time: |
06:30 PM - 08:00 PM |
| Language: |
Cantonese (no simultaneous translation) |
| CPD Hours: |
1.5 Hours |
| Fee: |
HK$80 |
| Deadline: |
2026-06-09 |
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Receipt and Confirmation will be sent to your email right after payment or you can download it from My Account - Attendance Record - Entrance Code Registration and Setup: Setup Instructions: https://www.adf.hk/web19/web/subpage.php?mid=87&id=277 https://support.zoom.com/hc/zh/article?id=zm_kb&sysparm_article=KB0061331 Notes: 1. Following recent software updates, please ensure you have updated your application to Zoom Version 5.0 or higher. Disclaimer: This video is prepared for educational purpose only. Once you enroll and register for the CPD certificate, you agree that you have already watched the whole video. |
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