10Life Financial Limited
Enquiries: enquiries@10life.com
Hotline: (852) 3705 1599
Address: 16/F Greatmany Centre, 109-115 Queen’s Road East, Wan Chai, Hong Kong
Talk to 10Life on WeChat
FWD | 富衛
NobleCare Premier Medical Plan (Essential)
Base Plan Limit
$18,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
6,896
HK$
6,739
Reduction On Deductible On Specific Age Without Re-underwrite
Second Claim Cash Allowance
Waiting Period Under 30 Days
Deductible Waiver (Stroke/Cancer/Heart Disease)Limited offer
Successful application on or before 30 September 2026 can enjoy 3-month premium discount in the first policy year.
Base Plan Limit
$8,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
5,731
HK$
5,471
Reduction On Deductible On Specific Age Without Re-underwrite Second Claim Cash Allowance
Availability Of No Claim Bonus Waiting Period Under 30 Days Deductible Waiver (Stroke/Cancer/Heart Disease)Limited offer
Enjoy up to 6-month (1st policy year)¹ + 4-month (2nd policy year)² + 3-month (3rd policy year)² premium discount upon successful application
Base Plan Limit
$10,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
6,117
HK$
5,850
Reduction On Deductible On Specific Age Without Re-underwrite Second Claim Cash Allowance Waiting Period Under 30 DaysLimited offer
Apply on or before 30 Sep 2026, up to 6-month premium discount in the first 2 years, plus up to HK$800 supermarket e-voucher and a complimentary health check.
Cathay | 國泰
Cigna Cathay Premier Health Plan
Base Plan Limit
$10,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
HK$
6,434
Waiting Period Under 30 DaysCathay | 國泰
Cigna Cathay Premier Health Plan
Base Plan Limit
$10,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
HK$
11,280
Waiting Period Under 30 Days
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
$20,000,000
10-year Avg. Premium
5,739
HK$
5,537
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 DaysLimited-time Offer
Enjoy 20% off premiums for both the first and second years when you apply through 10Life! Terms and conditions apply.
AXA Hong Kong and Macau | AXA 安盛
AXA WiseGuard Pro Medical Insurance Plan (Regular)
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
HK$
6,442
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 DaysLimited offer
Successfully application may enjoy up to 6 months’ premium refund! Terms and conditions apply.
Cigna Healthcare | 信諾環球
Cigna VHIS Series – Flexi Plan (Superior)
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
5,561
HK$
5,314
Reduction On Deductible On Specific Age Without Re-underwrite Second Claim Cash Allowance Waiting Period Under 30 DaysLimited offer
Enjoy 50% off your first-year premium upon successful enrollment, extra 15% off on first-year premium by using promo code "DC10LIFE"
Base Plan Limit
$6,000,000 per policy year
Lifetime Limit
$40,000,000
10-year Avg. Premium
4,963
HK$
4,870
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 Days Deductible Waiver (Stroke/Cancer/Heart Disease)Limited-time Offer
Enjoy a total of up to 50% off premiums for the first 3 policy years when you apply through 10Life (20% off in the 1st year, and 15% off in the 2nd and 3rd years)! Terms and conditions apply.
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Bronze
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
$20,000,000
10-year Avg. Premium
5,938
HK$
5,672
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 DaysLimited-time Offer
【Limited-time Offer】Enjoy 50% off your first-year premium^. Apply with your family member can enjoy up to 60% off first-year premium^.
Base Plan Limit
$8,000,000 per policy year
Lifetime Limit
$40,000,000
10-year Avg. Premium
HK$
7,234
Second Claim Cash AllowanceBase Plan Limit
$8,000,000 per policy year
Lifetime Limit
$40,000,000
10-year Avg. Premium
HK$
7,234
Second Claim Cash Allowance
AIA | 友邦香港
AIA Voluntary Health Insurance SelectWise Scheme
Base Plan Limit
$12,000,000 per policy year
Lifetime Limit
$60,000,000
10-year Avg. Premium
HK$
5,542
Reduction On Deductible On Specific Age Without Re-underwrite Second Claim Cash Allowance Waiting Period Under 30 Days
Hang Seng | 恒生
Vital Care Voluntary Health Insurance Flexi Plan Bronze
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
$20,000,000
10-year Avg. Premium
HK$
5,938
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 DaysBase Plan Limit
$8,000,000 per policy year
Lifetime Limit
$40,000,000
10-year Avg. Premium
4,834
HK$
4,666
Second Claim Cash AllowanceLimited Offer
Enjoy 30% off first-year premium and 10% off second-year premium by using the promo code "10LIFE"
FWD | 富衛
NobleCare Premier Medical Plan (Essential)
First Year Premium 25%OFF
HK$ 4,738
Official
HK$6,317
Base Plan Limit
$18,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
HK$ 6,739
6,896
Reduction On Deductible On Specific Age Without Re-underwrite Second Claim Cash Allowance Waiting Period Under 30 Days Deductible Waiver (Stroke/Cancer/Heart Disease)Limited offer
Successful application on or before 30 September 2026 can enjoy 3-month premium discount in the first policy year.
First Year Premium 42%OFF
HK$ 3,027
Official
HK$5,189
Base Plan Limit
$8,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
HK$ 5,471
5,731
Reduction On Deductible On Specific Age Without Re-underwrite Second Claim Cash Allowance Availability Of No Claim Bonus Waiting Period Under 30 Days Deductible Waiver (Stroke/Cancer/Heart Disease)Limited offer
Enjoy up to 6-month (1st policy year)¹ + 4-month (2nd policy year)² + 3-month (3rd policy year)² premium discount upon successful application
First Year Premium 33%OFF
HK$ 3,530
Official
HK$5,294
Base Plan Limit
$10,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
HK$ 5,850
6,117
Reduction On Deductible On Specific Age Without Re-underwrite Second Claim Cash Allowance Waiting Period Under 30 DaysLimited offer
Apply on or before 30 Sep 2026, up to 6-month premium discount in the first 2 years, plus up to HK$800 supermarket e-voucher and a complimentary health check.
Cathay | 國泰
Cigna Cathay Premier Health Plan
First Year Premium
HK$ 5,763
Base Plan Limit
$10,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
HK$ 6,434
Waiting Period Under 30 DaysCathay | 國泰
Cigna Cathay Premier Health Plan
First Year Premium
HK$ 10,100
Base Plan Limit
$10,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
HK$ 11,280
Waiting Period Under 30 DaysFirst Year Premium 20%OFF
HK$ 3,950
Official
HK$4,937
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
$20,000,000
10-year Avg. Premium
HK$ 5,537
5,739
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 DaysLimited-time Offer
Enjoy 20% off premiums for both the first and second years when you apply through 10Life! Terms and conditions apply.
AXA Hong Kong and Macau | AXA 安盛
AXA WiseGuard Pro Medical Insurance Plan (Regular)
First Year Premium
HK$ 5,541
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
HK$ 6,442
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 DaysLimited offer
Successfully application may enjoy up to 6 months’ premium refund! Terms and conditions apply.
Cigna Healthcare | 信諾環球
Cigna VHIS Series – Flexi Plan (Superior)
First Year Premium 50%OFF
HK$ 2,464
Official
HK$4,928
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
Unlimited
10-year Avg. Premium
HK$ 5,314
5,561
Reduction On Deductible On Specific Age Without Re-underwrite Second Claim Cash Allowance Waiting Period Under 30 DaysLimited offer
Enjoy 50% off your first-year premium upon successful enrollment, extra 15% off on first-year premium by using promo code "DC10LIFE"
First Year Premium 20%OFF
HK$ 3,745
Official
HK$4,681
Base Plan Limit
$6,000,000 per policy year
Lifetime Limit
$40,000,000
10-year Avg. Premium
HK$ 4,870
4,963
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 Days Deductible Waiver (Stroke/Cancer/Heart Disease)Limited-time Offer
Enjoy a total of up to 50% off premiums for the first 3 policy years when you apply through 10Life (20% off in the 1st year, and 15% off in the 2nd and 3rd years)! Terms and conditions apply.
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Bronze
First Year Premium 50%OFF
HK$ 2,658
Official
HK$5,316
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
$20,000,000
10-year Avg. Premium
HK$ 5,672
5,938
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 DaysLimited-time Offer
【Limited-time Offer】Enjoy 50% off your first-year premium^. Apply with your family member can enjoy up to 60% off first-year premium^.
First Year Premium
HK$ 6,564
Base Plan Limit
$8,000,000 per policy year
Lifetime Limit
$40,000,000
10-year Avg. Premium
HK$ 7,234
Second Claim Cash AllowanceFirst Year Premium
HK$ 6,564
Base Plan Limit
$8,000,000 per policy year
Lifetime Limit
$40,000,000
10-year Avg. Premium
HK$ 7,234
Second Claim Cash AllowanceAIA | 友邦香港
AIA Voluntary Health Insurance SelectWise Scheme
First Year Premium
HK$ 5,112
Base Plan Limit
$12,000,000 per policy year
Lifetime Limit
$60,000,000
10-year Avg. Premium
HK$ 5,542
Reduction On Deductible On Specific Age Without Re-underwrite Second Claim Cash Allowance Waiting Period Under 30 DaysHang Seng | 恒生
Vital Care Voluntary Health Insurance Flexi Plan Bronze
First Year Premium
HK$ 5,316
Base Plan Limit
$5,000,000 per policy year
Lifetime Limit
$20,000,000
10-year Avg. Premium
HK$ 5,938
Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 DaysFirst Year Premium 30%OFF
HK$ 2,915
Official
HK$4,164
Base Plan Limit
$8,000,000 per policy year
Lifetime Limit
$40,000,000
10-year Avg. Premium
HK$ 4,666
4,834
Second Claim Cash AllowanceLimited Offer
Enjoy 30% off first-year premium and 10% off second-year premium by using the promo code "10LIFE"
Add More Products
Add More Products
Add More Products
Medical Insurance Quick Guide
What is Medical (Inpatient) Insurance?
Hospitalisation and surgical coverage
Reimbursement basis
Annual renewal
Medical Insurance reimburses the insured for eligible medical expenses on an indemnity basis, usually involving hospitalisation and surgical expenses. Note that medical insurance will specify the type of hospital room and the geographic area covered.
Medical insurance can be VHIS and non-VHIS, with the former being government-approved and tax deductible.
Ward Type
Also know as general ward, with multiple beds
Usually has 2 beds and a shared bathroom
1 bed, dedicated bathroom, higher room rates
Medical Insurance Glossary
Deductible
This is the claim amount that the insured will have to pay out-of-pocket. For example, if the eligible medical expenses are $100,000 and the medical insurance plan has a $30,000 deductible, the insured will be responsible for $30,000 upfront and the remaining $70,000 will be covered by the insurance company.
Full Coverage
Full coverage means the company will cover the full amount of eligible medical expenses with no sub-limits on individual items, subject to terms such as annual and lifetime benefit limits.
Supplementary Major Medical (SMM)
Eligible medical expenses exceeding the basic benefit limit may be covered through SMM. However, SMM usually has co-payment and the insured is still responsible for part of the cost.
Who needs Medical Insurance?
Children
Children get sick easily because of weaker immune system. A good medical insurance policy can offer children to have better medical care and lessen the burden on the family.
Singles
Sometimes illness and injury are unpredictable. Medical insurance let the insured person get better medical treatment and offset some of the medical expenses.
Newly Weds
Starting a family is a important life event. However, sickness and health problems are major threats to family's well-being. It is important to purchase medical insurance as early as possible to protect your family.
Frequently Ask Questions
What is the difference between medical insurance and VHIS?
VHIS is a type of medical insurance that meets the minimum requirements set by the government, and policyholders are entitled to tax deductions.
I have group / company health cover, do I still need to buy my own medical insurance?
Group health insurance usually only provides basic outpatient and inpatient coverage, which may not be sufficient to cover medical expenses for serious injuries or illnesses. And when you change jobs or retire, you may lose all your coverage.
What is the difference between medical insurance and critical illness insurance?
Medical insurance covers eligible medical expenses on a reimbursement basis, while critical illness insurance provides a lump-sum cash benefit for specified illnesses.
Should I buy medical insurance first before going for medical check-up?
We recommend getting medical insurance as early as possible. You may get medical insurance coverage before medical check-ups to get the maximum protection.
What is geographical coverage?
Medical insurance usually specifies the geographical area of the hospitals that are covered, such as Greater China, Asia, Global ex-US, and Global.
Which is the best insurance company for Medical (in-patient) Insurance?
Many customers are concerned about whether insurance product benefits are sufficient. To make it easier for customers to compare the protection of medical insurance, 10Life actuaries have calculated the reimbursement rate of each product based on 12 common injuries and illnesses and evaluates whether the product can withstand medical inflation.
Which is the best insurance company for Medical (in-patient) Insurance?
Many customers are concerned about whether insurance product benefits are sufficient. To make it easier for customers to compare the protection of medical insurance, 10Life actuaries have calculated the reimbursement rate of each product based on 12 common injuries and illnesses and evaluates whether the product can withstand medical inflation.
