Outpatient Medical Insurance Comparison 2022
10Life Team
Table 1: Comparison of Outpatient Insurance (Medical Network, Outpatient for General Practice, Specialty, Traditional Chinese Medicine)
Co-payment per visit: $20
Co-payment per visit: $40
Co-payment per visit: $20
(Ward)3
$4,968 (Female)
(Ward)3
$7,384 (Female)
(Ward)3
Co-payment per visit: $210
Co-payment per visit: $500
Co-payment per visit: $190
Co-payment per visit: $30
Co-payment per visit: $80
Co-payment per visit: $30
Co-payment per visit: $50
Co-payment per visit: $100
Co-payment per visit: $50
Co-payment per visit: $20
Co-payment per visit: $50
Co-payment per visit: $30
Co-payment per visit: $30
Co-payment per visit: $60
Co-payment per visit: $30
(optional coverage)
practitioners and clinics: 550+
Co-payment per visit: $40
Co-payment per visit: $80
Co-payment per visit: $50
No co-payment
No co-payment
No co-payment
No co-payment
No co-payment
No co-payment
1. Although AIA Health Journey Guardian provides outpatient coverage, it is not purely outpatient insurance. It also provides hospitalization coverage for cancer treatment, etc. Its premium will increase with age.
2. AIA Health Journey Guardian: general practitioner consultation, specialist consultation, Chinese medicine consultation, acupuncture, bonesetter, physiotherapy coverage up to a total of 30 visits/sessions per policy year.
3.AIA Health Journey Guardian: semi-private and private room options are also available.
4. Cigna DIY Health Plan: include general outpatient coverage. Outpatient surgical benefit premiums are $1,980 (for a 6-year-old non-smoking boy or girl), $2,380 (for a 35-year-old non-smoking man or woman); Additional Outpatient Benefit premiums are $3,000 (for a 6-year-old boy), $2,780 (for a 35-year-old non-smoking man or woman).
5. HKLife We-Care Outpatient Plan (Golden): 15% discount on additional visits for a total of 12 visits per policy year for Chinese medicine and acupuncture treatments.
6. YF Life Out-Patient Insurance Plan (Plan 2): children under the age of 6 must be insured with at least one parent member between the ages of 18 and 65.
7. Zurich ClinicGo (Platinum): 300+ general practitioners, 150+ specialists, 10+ physiotherapy centers, Chinese medicine centers and dental care centers.
Co-payment Enables Lower Price
Network Doctor Restrictions
Table 2: Comparison of Outpatient Insurance Coverage
Co-payment per session: $40
Co-payment per session: $20
Acupuncture: 10 sessions2,3
Co-payment per session: $20
Vaccination: $200
Co-payment per session: $330
Co-payment per session: $270
Acupuncture treatment: unlimited visit, $300 co-payment per visit
Chiropractor treatment: unlimited visit, $480 co-payment per visit
Co-payment per session: $60
20% co-payment, $4,000 limit per year
Co-payment per session: $150
(add-on benefits)4,5
$100,000 per policy year
Add-on "supplementary outpatient benefit"4,5 : acupuncture, Chinese bone-setting, chiropractor consultation, occupational therapy, dietetic guidance, speech therapy
Acupuncture: 12vists each year, $50 co-payment per visit7
Eye test: 1 visit, no co-payment (optional coverage)
$4,500 per policy year
Co-payment: 20%
$2,500 per year
No co-payment
No co-payment
No co-payment
No co-payment
1. Although AIA Health Journey Guardian provides outpatient coverage, it is not purely outpatient insurance. It also provides hospitalization coverage for cancer treatment, etc. Its premium will increase with age.
2. AIA Health Journey Guardian: general practitioner consultation, specialist consultation, Chinese medicine consultation, acupuncture, bonesetter, physiotherapy coverage up to a total of 30 visits/sessions per policy year.
3. AIA Health Journey Guardian: acupuncture and bonesetter for a total of 10 visits per policy year.
4. Cigna DIY Health Plan: basic outpatient benefit does not include outpatient surgical benefit and supplementary outpatient benefit, which are subject to a separate premium.
5. Cigna DIY Health Plan: acupuncture, bonesetter, chiropractic, occupational therapy, nutritional counselling, speech therapy, for a total of 10 visits per policy year.
6. HKLife We-Care Outpatient Plan (Golden): “Preventive Healthcare Program” with a special offer of 15% discount.
7. HKLife We-Care Outpatient Plan (Golden): A total of 12 Chinese medicine and acupuncture treatments per policy year, 15% discount on additional visits.
Additional Benefits
Figure 3: Outpatient Insurance Comparison (Premium, Issue Age, Maximum Cover Age, Waiting Period)
1. Although AIA Health Journey Guardian provides outpatient coverage, it is not purely outpatient insurance. It also provides hospitalization coverage for cancer treatment, etc. Its premium will increase with age.
2. YF Life Out-Patient Insurance Plan (Plan 2): children under the age of 6 must be insured with at least one parent member between the ages of 18 and 65.
Telehealth service
Outpatient Insurance vs. Pre/Post-Confinement Medical Consultation (Inpatient Insurance)
1. Although AIA Health Journey Guardian provides outpatient coverage, it is not purely outpatient insurance. It also provides hospitalization coverage for cancer treatment, etc. Its premium will increase with age.
2. The above information is updated as of 12 Aug 2022.
Disclaimer
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