Medical Insurance Comparison 2026

VHIS Quick Guide
Gender
Male
Age
0
Room Type
Ward
Geographical Coverage
Selected 3 Geographical Coverage
Deductible
MIN
HKD
MAX
HKD
First Year Premium
MIN
HKD
MAX
HKD
Average Annual Premium
MIN
HKD
MAX
HKD
Insurer
Plan Type
Gender
Male
Age
0
Room Type
Ward
Geographical Coverage
Selected 3 Geographical Coverage
Deductible
MIN
HKD
MAX
HKD
First Year Premium
MIN
HKD
MAX
HKD
Average Annual Premium
MIN
HKD
MAX
HKD

Male

Age : 0

Ward

Geographical Coverage (3)

Deductible : 0 - 0

First Year Premium : 0 - 50,000 +

Average Annual Premium : 0 - 50,000 +

Insurer

Plan Type :

We found 46 Medical Insurance product(s) matching your selected filters.
Assumptions
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5 Star Ratings
Bupa | 保柏

Bupa Hero VHIS Plan (Advance)

5Star Products 5-Star (VHIS)
Semi-Private
Asia
VHIS Flexi
0 Deductible
9.8
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
7.7 / 10
10-year Avg. Premium
HKD
12,716
First Year Premium
HKD 15,034
Bupa | 保柏

Bupa Hero VHIS Plan (Advance Pro)

5Star Products 5-Star (VHIS)
Semi-Private
Global Ex-US
VHIS Flexi
0 Deductible
9.8
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
7.7 / 10
10-year Avg. Premium
HKD
14,293
First Year Premium
HKD 16,898
AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

5Star Products 5-Star (VHIS)
Semi-Private
Asia
VHIS Flexi
0 Deductible
9.7
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
7.4 / 10
10-year Avg. Premium
HKD
11,320
First Year Premium
HKD 11,320
WhatsApp Enquiry
AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

5Star Products 5-Star (VHIS)
Semi-Private
Global Ex-US
VHIS Flexi
0 Deductible
9.7
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
7.4 / 10
10-year Avg. Premium
HKD
12,448
First Year Premium
HKD 12,448
WhatsApp Enquiry
FWD | 富衛

vPrime Signature Medical Plan (Standard)

5Star Products 5-Star (VHIS)
Semi-Private
Asia
VHIS Flexi
0 Deductible
9.7
/ 10
10Life Score
Medical Coverage Score
9.8 / 10
Special Feature Score
8.5 / 10
10-year Avg. Premium
8,671
HKD
8,520
First Year Premium
9,059
HKD 7,550
FWD | 富衛

vPrime Medical Plan

5Star Products 5-Star (VHIS)
Semi-Private
Asia
VHIS Flexi
0 Deductible
9.7
/ 10
10Life Score
Medical Coverage Score
9.8 / 10
Special Feature Score
8.5 / 10
10-year Avg. Premium
10,254
HKD
10,075
First Year Premium
10,714
HKD 8,928
Product Website
FWD | 富衛

vPrime Signature Medical Plan (Superior)

5Star Products 5-Star (VHIS)
Semi-Private
Global Ex-US
VHIS Flexi
0 Deductible
9.7
/ 10
10Life Score
Medical Coverage Score
9.8 / 10
Special Feature Score
8.5 / 10
10-year Avg. Premium
10,324
HKD
10,144
First Year Premium
10,786
HKD 8,989
FWD | 富衛

NobleCare Premier Medical Plan (Standard)

Semi-Private
Asia
Non-VHIS
0 Deductible
9.7
/ 10
10Life Score
Medical Coverage Score
9.8 / 10
Special Feature Score
8.3 / 10
10-year Avg. Premium
10,533
HKD
10,263
First Year Premium
10,815
HKD 8,111
FWD | 富衛

NobleCare Premier Medical Plan (Superior)

Semi-Private
Global Ex-US
Non-VHIS
0 Deductible
9.7
/ 10
10Life Score
Medical Coverage Score
9.8 / 10
Special Feature Score
8.3 / 10
10-year Avg. Premium
11,848
HKD
11,537
First Year Premium
12,427
HKD 9,320
Manulife | 宏利

Manulife Supreme VHIS Flexi Plan (Advance)

5Star Products 5-Star (VHIS)
5Star Products 5-Star (GBA)
Semi-Private
Asia
VHIS Flexi
0 Deductible
9.6
/ 10
10Life Score
Medical Coverage Score
9.8 / 10
Special Feature Score
7.1 / 10
10-year Avg. Premium
HKD
12,099
First Year Premium
HKD 12,099
Cathay | 國泰

Cigna Cathay Premier Health Plan

Semi-Private
Asia
Non-VHIS
0 Deductible
9.5
/ 10
10Life Score
Medical Coverage Score
9.9 / 10
Special Feature Score
5.9 / 10
10-year Avg. Premium
HKD
9,421
First Year Premium
HKD 11,544
WhatsApp Enquiry
Cathay | 國泰

Cigna Cathay Premier Health Plan

Semi-Private
Global Ex-US
Non-VHIS
0 Deductible
9.5
/ 10
10Life Score
Medical Coverage Score
9.9 / 10
Special Feature Score
5.9 / 10
10-year Avg. Premium
HKD
14,021
First Year Premium
HKD 17,181
WhatsApp Enquiry
Chubb Life | 安達人壽

Chubb VHIS - Prime Plan

5Star Products 5-Star (VHIS)
Semi-Private
Asia
VHIS Flexi
0 Deductible
9.5
/ 10
10Life Score
Medical Coverage Score
9.8 / 10
Special Feature Score
6.9 / 10
10-year Avg. Premium
HKD
15,151
First Year Premium
HKD 15,532
Blue Cross | 藍十字保險

Dynasty VHIS Plan

5Star Products 5-Star (VHIS)
Semi-Private
Asia
VHIS Flexi
0 Deductible
9.5
/ 10
10Life Score
Medical Coverage Score
9.8 / 10
Special Feature Score
6.8 / 10
10-year Avg. Premium
HKD
10,251
First Year Premium
HKD 10,673
AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Enhance)

5Star Products 5-Star (VHIS)
Semi-Private
Asia
VHIS Flexi
0 Deductible
9.5
/ 10
10Life Score
Medical Coverage Score
9.8 / 10
Special Feature Score
6.6 / 10
10-year Avg. Premium
HKD
9,414
First Year Premium
HKD 9,482
Bupa | 保柏
Bupa Hero VHIS Plan (Advance)
5Star Products 5-Star (VHIS)
Semi-Private
Asia
VHIS Flexi
0 Deductible
10Life Score
9.8
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
7.7 / 10
10-year Avg. Premium
HKD 12,716 /Year
First Year Premium
HKD 15,034
Bupa | 保柏
Bupa Hero VHIS Plan (Advance Pro)
5Star Products 5-Star (VHIS)
Semi-Private
Global Ex-US
VHIS Flexi
0 Deductible
10Life Score
9.8
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
7.7 / 10
10-year Avg. Premium
HKD 14,293 /Year
First Year Premium
HKD 16,898
AIA | 友邦香港
AIA Voluntary Health Insurance Privilege Ultra Scheme
5Star Products 5-Star (VHIS)
Semi-Private
Asia
VHIS Flexi
0 Deductible
10Life Score
9.7
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
7.4 / 10
10-year Avg. Premium
HKD 11,320 /Year
First Year Premium
HKD 11,320
WhatsApp Enquiry
AIA | 友邦香港
AIA Voluntary Health Insurance Privilege Ultra Scheme
5Star Products 5-Star (VHIS)
Semi-Private
Global Ex-US
VHIS Flexi
0 Deductible
10Life Score
9.7
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
7.4 / 10
10-year Avg. Premium
HKD 12,448 /Year
First Year Premium
HKD 12,448
WhatsApp Enquiry
FWD | 富衛
vPrime Signature Medical Plan (Standard)
5Star Products 5-Star (VHIS)
Semi-Private
Asia
VHIS Flexi
0 Deductible
10Life Score
9.7
/ 10
Medical Coverage Score
9.8 / 10
Special Feature Score
8.5 / 10
10-year Avg. Premium
HKD 8,520 /Year
8,671
First Year Premium
HKD 7,550
9,059
FWD | 富衛
vPrime Medical Plan
5Star Products 5-Star (VHIS)
Semi-Private
Asia
VHIS Flexi
0 Deductible
10Life Score
9.7
/ 10
Medical Coverage Score
9.8 / 10
Special Feature Score
8.5 / 10
10-year Avg. Premium
HKD 10,075 /Year
10,254
First Year Premium
HKD 8,928
10,714
Product Website
FWD | 富衛
vPrime Signature Medical Plan (Superior)
5Star Products 5-Star (VHIS)
Semi-Private
Global Ex-US
VHIS Flexi
0 Deductible
10Life Score
9.7
/ 10
Medical Coverage Score
9.8 / 10
Special Feature Score
8.5 / 10
10-year Avg. Premium
HKD 10,144 /Year
10,324
First Year Premium
HKD 8,989
10,786
FWD | 富衛
NobleCare Premier Medical Plan (Standard)
Semi-Private
Asia
Non-VHIS
0 Deductible
10Life Score
9.7
/ 10
Medical Coverage Score
9.8 / 10
Special Feature Score
8.3 / 10
10-year Avg. Premium
HKD 10,263 /Year
10,533
First Year Premium
HKD 8,111
10,815
FWD | 富衛
NobleCare Premier Medical Plan (Superior)
Semi-Private
Global Ex-US
Non-VHIS
0 Deductible
10Life Score
9.7
/ 10
Medical Coverage Score
9.8 / 10
Special Feature Score
8.3 / 10
10-year Avg. Premium
HKD 11,537 /Year
11,848
First Year Premium
HKD 9,320
12,427
Manulife | 宏利
Manulife Supreme VHIS Flexi Plan (Advance)
5Star Products 5-Star (VHIS)
5Star Products 5-Star (GBA)
Semi-Private
Asia
VHIS Flexi
0 Deductible
10Life Score
9.6
/ 10
Medical Coverage Score
9.8 / 10
Special Feature Score
7.1 / 10
10-year Avg. Premium
HKD 12,099 /Year
First Year Premium
HKD 12,099
Cathay | 國泰
Cigna Cathay Premier Health Plan
Semi-Private
Asia
Non-VHIS
0 Deductible
10Life Score
9.5
/ 10
Medical Coverage Score
9.9 / 10
Special Feature Score
5.9 / 10
10-year Avg. Premium
HKD 9,421 /Year
First Year Premium
HKD 11,544
WhatsApp Enquiry
Cathay | 國泰
Cigna Cathay Premier Health Plan
Semi-Private
Global Ex-US
Non-VHIS
0 Deductible
10Life Score
9.5
/ 10
Medical Coverage Score
9.9 / 10
Special Feature Score
5.9 / 10
10-year Avg. Premium
HKD 14,021 /Year
First Year Premium
HKD 17,181
WhatsApp Enquiry
Chubb Life | 安達人壽
Chubb VHIS - Prime Plan
5Star Products 5-Star (VHIS)
Semi-Private
Asia
VHIS Flexi
0 Deductible
10Life Score
9.5
/ 10
Medical Coverage Score
9.8 / 10
Special Feature Score
6.9 / 10
10-year Avg. Premium
HKD 15,151 /Year
First Year Premium
HKD 15,532
Blue Cross | 藍十字保險
Dynasty VHIS Plan
5Star Products 5-Star (VHIS)
Semi-Private
Asia
VHIS Flexi
0 Deductible
10Life Score
9.5
/ 10
Medical Coverage Score
9.8 / 10
Special Feature Score
6.8 / 10
10-year Avg. Premium
HKD 10,251 /Year
First Year Premium
HKD 10,673
AXA Hong Kong and Macau | AXA 安盛
AXA WiseGuard Pro Medical Insurance Plan (Enhance)
5Star Products 5-Star (VHIS)
Semi-Private
Asia
VHIS Flexi
0 Deductible
10Life Score
9.5
/ 10
Medical Coverage Score
9.8 / 10
Special Feature Score
6.6 / 10
10-year Avg. Premium
HKD 9,414 /Year
First Year Premium
HKD 9,482
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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.

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Ward Type

tutorial-medical-ward-icon.png
Ward Room
Also know as general ward, with multiple beds
tutorial-medical-semiprivate-icon.png
Semi-private Room
Usually has 2 beds and a shared bathroom
tutorial-medical-private-ico.png
Private Room
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.
tutorial_medical-dictionary-Deductible.png

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.
tutorial_medical-dictionary-Full-Coverage.png

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.
tutorial_medical-dictionary-SMM.png

Who needs Medical Insurance?

tutorial-kids-icon.png

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.
home-lifestage-single.png

Singles

Sometimes illness and injury are unpredictable. Medical insurance let the insured person get better medical treatment and offset some of the medical expenses.
home-lifestage-family.png

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.
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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.

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Rating Methodology
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Compare Medical Insurance
Cross_Selling_Banner_Best_Insurer
Cross_Selling_Banner_Best_Insurer
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.

icon of download
Rating Methodology
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Compare Medical Insurance
General Enquiry
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10Life Financial is an authorised insurance broker with Insurance Authority License Number FB1526 whose business includes operating insurance comparison website and arranging insurance products and services for its clients. 10Life Financial is wholly owned subsidiary of 10Life Group.

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