Compare Medical Insurance

Semi-Private

Asia

VHIS Flexi

0 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 12,340 /Year

12,716

First Year Premium

HKD 11,276

15,034

Bupa | 保柏

Bupa Hero VHIS Plan (Advance Pro)

Semi-Private

Global Ex-US

VHIS Flexi

0 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 14,293 /Year

First Year Premium

HKD 16,898

FWD | 富衛

vPrime Signature Medical Plan (Standard)

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 8,111 /Year

8,255

First Year Premium

HKD 7,188

8,625

FWD | 富衛

vPrime Medical Plan

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 9,330 /Year

9,495

First Year Premium

HKD 8,267

9,921

FWD | 富衛

vPrime Signature Medical Plan (Superior)

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 9,658 /Year

9,829

First Year Premium

HKD 8,558

10,269

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

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Asia

VHIS Flexi

0 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

7.4 / 10

10-year Avg. Premium

HKD 9,672 /Year

First Year Premium

HKD 9,672

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Global Ex-US

VHIS Flexi

0 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

7.4 / 10

10-year Avg. Premium

HKD 10,640 /Year

First Year Premium

HKD 10,640

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

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

Cigna Healthcare | 信諾環球

Cigna VHIS Series – Flexi Plan (Superior)

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 11,451 /Year

First Year Premium

HKD 14,486

Chubb Life | 安達人壽

Chubb VHIS - Prime Plan

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

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 9,404 /Year

First Year Premium

HKD 9,791

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Enhance)

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

Bupa | 保柏

Bupa Hero VHIS Plan (Advance)

Semi-Private

Asia

VHIS Flexi

0 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

12,716

HKD

12,340

First Year Premium

15,034

HKD 11,276

Bupa | 保柏

Bupa Hero VHIS Plan (Advance Pro)

Semi-Private

Global Ex-US

VHIS Flexi

0 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score
 10 / 10   
Special Feature Score
 8 / 10   
10-year Avg. Premium

              HKD
            
 14,293   

First Year Premium

HKD 16,898

FWD | 富衛

vPrime Signature Medical Plan (Standard)

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

8,255

HKD

8,111

First Year Premium

8,625

HKD 7,188

FWD | 富衛

vPrime Medical Plan

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

9,495

HKD

9,330

First Year Premium

9,921

HKD 8,267

FWD | 富衛

vPrime Signature Medical Plan (Superior)

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

9,829

HKD

9,658

First Year Premium

10,269

HKD 8,558

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

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Asia

VHIS Flexi

0 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score
 9.8 / 10   
Special Feature Score
 7.4 / 10   
10-year Avg. Premium

              HKD
            
 9,672   

First Year Premium

HKD 9,672

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Global Ex-US

VHIS Flexi

0 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score
 9.8 / 10   
Special Feature Score
 7.4 / 10   
10-year Avg. Premium

              HKD
            
 10,640   

First Year Premium

HKD 10,640

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

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

Cigna Healthcare | 信諾環球

Cigna VHIS Series – Flexi Plan (Superior)

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

11,451

First Year Premium

HKD 14,486

Chubb Life | 安達人壽

Chubb VHIS - Prime Plan

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

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
            
 9,404   

First Year Premium

HKD 9,791

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Enhance)

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)

Semi-Private

Asia

VHIS Flexi

0 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 12,340 /Year

12,716

First Year Premium

HKD 11,276

15,034

Bupa | 保柏

Bupa Hero VHIS Plan (Advance Pro)

Semi-Private

Global Ex-US

VHIS Flexi

0 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 14,293 /Year

First Year Premium

HKD 16,898

FWD | 富衛

vPrime Signature Medical Plan (Standard)

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 8,111 /Year

8,255

First Year Premium

HKD 7,188

8,625

FWD | 富衛

vPrime Medical Plan

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 9,330 /Year

9,495

First Year Premium

HKD 8,267

9,921

FWD | 富衛

vPrime Signature Medical Plan (Superior)

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 9,658 /Year

9,829

First Year Premium

HKD 8,558

10,269

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

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Asia

VHIS Flexi

0 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

7.4 / 10

10-year Avg. Premium

HKD 9,672 /Year

First Year Premium

HKD 9,672

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Global Ex-US

VHIS Flexi

0 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

7.4 / 10

10-year Avg. Premium

HKD 10,640 /Year

First Year Premium

HKD 10,640

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

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

Cigna Healthcare | 信諾環球

Cigna VHIS Series – Flexi Plan (Superior)

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 11,451 /Year

First Year Premium

HKD 14,486

Chubb Life | 安達人壽

Chubb VHIS - Prime Plan

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

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 9,404 /Year

First Year Premium

HKD 9,791

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Enhance)

【平買醫保】識得買醫療保險大房計劃都claim足到

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

Add More Products

【醫療保險】住院vs門診點樣揀？一次了解保障重點

2025-06-20

5min read

10Life 編輯團隊

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

Ward Room

Also know as general ward, with multiple beds

Semi-private Room

Usually has 2 beds and a shared bathroom

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.

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.