{
  "query": {
    "country": "HK",
    "age": 10,
    "sex": "male",
    "smoker": "no",
    "policy_type": "standalone"
  },
  "status": "ok",
  "price": {
    "currency": "HKD",
    "unit": "per year",
    "value": 1781,
    "measure": "median",
    "median": 1781,
    "typical_low": 1276,
    "typical_high": 2735,
    "min": 1030,
    "max": 2916
  },
  "sample_size": 33,
  "period": {
    "from": "2026-11-01",
    "to": "2026-11-01"
  },
  "confidence": "medium",
  "price_type": "posted_price",
  "as_of": "2026-11-04T01:04:18.083Z",
  "source": {
    "id": "hk-vhis-premiums",
    "name": "VHIS standard premiums of certified plans (plan-premium.json)",
    "publisher": "Health Bureau, Hong Kong SAR Government (Voluntary Health Insurance Scheme)",
    "licence": "DATA.GOV.HK Terms and Conditions of Use (read 2026-11-03): use of the data is allowed \"for both commercial and non-commercial purposes on a free-of-charge basis\"; users must \"identify clearly the source of the Data\" and \"give proper attribution to the Government, the Relevant Organisations and DATA.GOV.HK\".",
    "licence_url": "https://data.gov.hk/en/terms-and-conditions",
    "attribution": "Source: Health Bureau, Hong Kong SAR Government (VHIS), via DATA.GOV.HK. ProofPrice aggregates; not endorsed by the Government.",
    "url": "https://data.gov.hk/en-data/dataset/hk-hhb-hhbvhis-vhis-standard-premium"
  },
  "method": "Standard premiums per year of the VHIS Standard Plans (HKD) certified by the Health Bureau, in force on the data date. Median and 10th to 90th percentile across the certified plans for the chosen age, sex, smoking status and policy type; not weighted by customers and with no adjustment for how each plan counts age. Posted list premiums, not amounts paid; at least 5 plans are needed.",
  "method_url": "https://proofprice.com/method",
  "summary": "Standard premium of a VHIS Standard Plan in Hong Kong for a male non-smoker at age 10, standalone policy: median HK$1,781 per year; 10th to 90th percentile HK$1,276 to HK$2,735. These are posted standard premiums, not amounts paid. Based on 33 certified VHIS Standard Plans (Health Bureau, Hong Kong SAR Government (Voluntary Health Insurance Scheme), data date 2026-11-01). Confidence: medium.",
  "notice": "Information, not a valuation or offer. Ranges describe past recorded prices.",
  "extra": {
    "price_basis": "posted standard premium per year of a certified VHIS Standard Plan; not an amount paid",
    "data_date": "2026-11-01",
    "age_resolved": 10,
    "sample_size_note": "sample_size is the number of certified plans behind the figure, not a number of people."
  },
  "answer_id": "ans_875aca54615df8812dd9",
  "method_version": "1",
  "retrieved_at": "2026-11-04T01:04:18.082Z",
  "evidence": {
    "type": "posted_price",
    "label": "Posted or listed price",
    "meaning": "A price a seller, market or authority publishes in advance (a shelf price, tariff, fee schedule or quoted wholesale price): it is what is asked, not a record of what each customer paid."
  },
  "reliability": "record_level",
  "data_as_of": "2026-11-01",
  "data_age_days": 3,
  "suggestions": [
    "This is a posted price, not what each customer paid."
  ]
}