VHIS Hong Kong
Compare 579 certified health insurance plans in Hong Kong by price, coverage and premium history.
Prices all VHIS certified health plans in Hong Kong, shows what each covers item by item, displays filed terms and conditions, and tracks premium increases since 2021. Connects to official plan documents and hospital billing data.
Try asking Muse: "Find me the cheapest health insurance plan in Hong Kong that covers psychiatric care and costs under 5000 HKD per year."
Source: Found in the official MCP Registry (com.vhishongkong/vhis) · First listed September 24, 2026
Last 24 hours
Each bar is one check, every 15 minutes. Green means it answered. Last checked 39 min ago.
Is it safe to connect?
What Muse can see: It does not ask you to sign in, so it cannot see your accounts. It only sees what Muse sends it from your request.
Before it acts: Read what Muse plans to do before you approve it, and remove the app from Muse when you stop using it.
musedirectory.ai is not part of Meta. More about how Muse handles your information
How to add it to Muse
Not in Muse's Connectors list yet, but Muse can still use it. Copy the request below and paste it into Muse. Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
https://mcp.vhishongkong.com/mcpNot in Muse's Connectors list yet. Muse can still use it: its page gives you a request to paste into Muse.
Technical details: safety screening, tools, response time and recent checks
Response time at the last check: 534ms. Worked in 100% of checks over 30 days.
Screening · September 24, 2026
Screened, no issues found
Screening looks for known threats and hidden instructions at the time of the check, and runs again weekly and whenever the tool list changes. It cannot see the server's code, so only connect what you need and review what Muse asks to do. How screening works.
Tools · 16
find_plansThe plan finder. Ranks every eligible VHIS plan on what it covers and what it really costs, and returns three explained picks (lowest cost over the period, best coverage for the money, most comprehensive) with a ranked list behind them. Coverage is read from each plan's Benefit Sprice_plansEvery matching plan ranked by annual premium alone, with no view on coverage. Use it when someone asks for the cheapest, for a full list, or for one insurer's prices. When what the plan covers matters, use find_plans. Needs a key on the public server; without one it returns key_rplan_coverageWhat one plan actually pays, item by item from its own Benefit Schedule: full cover or the published cap on room and board, hospital charges, surgeon's fee, imaging, cancer treatment and psychiatric care, plus the annual and lifetime limits, room class, territory, extras and a coplan_termsThe plan's terms as filed with the Health Bureau, field by field with the page each came from: guaranteed renewal age, entry ages, pre-existing condition schedule, waiting period, room class and higher-room rule, territory, full cover, limits, deductible basis, coinsurance, outpaplan_optionsEvery option sold under one certification number, with its room class, deductible and area, priced at this age when an age is given, plus what the premium becomes every five years to twenty years out.compare_plansSide by side on what actually differs: premium now and at 65, next-year range, deductible, room class, limits, area and each insurer's rate record. Use it for "which is better" and "why is one cheaper"; state the trade-off and let the person choose. Needs a key on the public servpremium_historyHow a plan's premium has moved since 2021: every schedule the insurer filed, the premium at this age under each one with the age held constant, the year-on-year changes and the average. Use it for "has this gone up" and "is this insurer stable".insurer_increasesAn insurer's rate record across all its VHIS plans since 2021, by year, alongside the market table with every insurer ranked from lowest average annual change to highest.estimate_renewalThe premium at age plus one on the current schedule, which is certain unless the insurer refiles, plus a low, mid and high range built from this plan's own rate changes since 2021. Needs a key on the public server; without one it returns key_required and tells the user where to gsearch_plan_termsSearch the official Terms and Benefits of the certified plans and return the clauses, each with the plan, Part, Section, page and a link to that page. Use it for exclusions, waiting periods, limits, room class rules, territorial scope, definitions, renewal and cancellation. Neveradviser_notesCurated notes from licensed advisers and the scheme rules: how underwriting works, what usually happens with common conditions, switching, claims practice, tax. Guidance, not plan terms.list_insurersEvery insurer this server can price, with how many certified plans and rate tables each has loaded.treatment_costWhat Hong Kong private hospitals published they actually billed for a procedure, hospital by hospital, with the doctor's fee and the hospital's charge separately, and what a named plan would pay of it. From the government's price transparency platform, not an estimate. Bills diffsearchSearch every certified plan document and return matching records, each with an id, a title, a page link and the clause text. Call fetch with an id for that plan's full record. search_plan_terms is the same search with richer output; this pair exists because some clients look for fetchThe full record behind a search id: what the plan pays and every term as filed, with the page of each clause.create_leadPass the person to a licensed adviser: saves the enquiry, emails them their shortlist, emails the adviser and returns a WhatsApp link and a reference. Only call it once they have given a name and a phone number or email and have said they want to be contacted. Never put a health Recent checks
Link
https://mcp.vhishongkong.com/mcpQuestions about VHIS Hong Kong in Muse
How do I connect VHIS Hong Kong to Muse?
Not in Muse's Connectors list yet, but Muse can still use it. Paste this into Muse: "Use VHIS Hong Kong to help me. It is a free service with an MCP server at https://mcp.vhishongkong.com/mcp. It does not need an API key. Ask me before you share anything with it." Muse asks before it shares anything with the app's site. Meta does not review apps used this way, so only use ones you trust. We tested this in the Muse app on September 24, 2026: Muse used an app's link directly this way and returned a live answer.
Is VHIS Hong Kong working right now?
At the last check (September 28, 2026, 08:30 UTC) the endpoint was working, answering in 534ms. Over the last 7 days it answered 100% of health checks. It is checked every 15 minutes.
Is VHIS Hong Kong safe to connect to Muse?
It was screened on September 24, 2026 with the result "screened, no issues found". Screening checks the domain against threat feeds and reads the tools for hidden instructions and requests for passwords or card numbers. It cannot see the server's code, so grant only the access you need.
What can VHIS Hong Kong do in Muse?
It exposes 16 tools, including find_plans, price_plans, plan_coverage, plan_terms. For example, you could ask Muse: "Find me the cheapest health insurance plan in Hong Kong that covers psychiatric care and costs under 5000 HKD per year."
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