Help with VHIS Hong Kong

Last updated 28 September 2026

One person answers these, and answers them properly. Most replies go out the same working day, and none take longer than one working day.

Getting help

Email mo@instlytechnologies.com. Say what you asked, what came back and which assistant you were using, and include the plan or certification number if there is one. That is usually enough to reproduce it without a second exchange.

If a figure looks wrong

Tell us the plan and the figure. Every premium on this service comes from the schedule that insurer filed with the Health Bureau, every benefit comes from the plan's own Benefit Schedule, and every hospital bill comes from the government's price transparency platform. So a figure that looks wrong is either a filing we have read incorrectly, which we will fix and say so, or the filed document genuinely saying something surprising, which we will show you with the page reference.

What this service will not do

• It will not tell you whether an insurer will accept you. Underwriting is decided by the insurer when you apply, and nobody can answer that in advance.
• It will not tell you which plan to buy. It sets out what each costs and covers and leaves the choice with you.
• It will not forecast a premium. It shows what each insurer has actually filed since 2021, which is a track record, not a projection.

If you want advice rather than information, ask to be put in touch and a licensed Hong Kong adviser will call you. Nothing is sent unless you give a name and a way to reach you and ask for contact.

Connecting it yourself

The MCP server is at https://mcp.vhishongkong.com/mcp, streamable HTTP, no authentication for the open tools. What each tool does, and how to add it to Claude, ChatGPT, Grok or your own agent, is on the MCP page. A free key, which unlocks the ranked price list, comparison and renewal estimates, is requested from the same page.

Your data

What is collected and how long it is kept is set out in the privacy notice. To see what is held about you, correct it or have it deleted, email the address above.

Who operates it

Instly Technologies Co., Ltd., Bangkok, Thailand, registration 0105567135903. Advice and placement in Hong Kong is through Cogotec Limited, Hong Kong Insurance Authority agency code D787.