Compare Medical Insurance

VHIS Quick Guide

We found 36 Medical Insurance product(s) matching your selected filters.

Assumptions

Bupa | 保柏

Bupa Hero VHIS Plan (Advance)

Semi-Private

Asia

VHIS Flexi

12,000 Deductible

10Life Score

9.9

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8.6 / 10

10-year Avg. Premium

HKD 6,755 /Year

7,059

First Year Premium

HKD 3,035

6,070

Bupa | 保柏

Bupa Hero VHIS Plan (Advance Pro)

Semi-Private

Global Ex-US

VHIS Flexi

12,000 Deductible

10Life Score

9.9

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8.6 / 10

10-year Avg. Premium

HKD 7,934 /Year

First Year Premium

HKD 6,823

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Semi-Private

Asia

Non-VHIS

25,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 6,746 /Year

First Year Premium

HKD 5,990

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Semi-Private

Asia

Non-VHIS

15,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 7,779 /Year

First Year Premium

HKD 6,741

FWD | 富衛

vPrime Signature Medical Plan (Standard)

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 4,394 /Year

4,601

First Year Premium

HKD 2,402

4,118

FWD | 富衛

vPrime Signature Medical Plan (Standard)

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 5,137 /Year

5,377

First Year Premium

HKD 2,808

4,814

FWD | 富衛

vPrime Signature Medical Plan (Superior)

Semi-Private

Global Ex-US

VHIS Flexi

25,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 5,189 /Year

5,434

First Year Premium

HKD 2,836

4,862

FWD | 富衛

vPrime Signature Medical Plan (Superior)

Semi-Private

Global Ex-US

VHIS Flexi

16,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 6,117 /Year

6,404

First Year Premium

HKD 3,344

5,732

FWD | 富衛

vPrime Medical Plan

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.9 / 10

10-year Avg. Premium

HKD 4,435 /Year

4,645

First Year Premium

HKD 2,425

4,156

Product Website

FWD | 富衛

vPrime Medical Plan

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.9 / 10

10-year Avg. Premium

HKD 5,184 /Year

5,427

First Year Premium

HKD 2,834

4,858

Product Website

Sun Life | Sun Life 永明

WeHealth Prestige

Semi-Private

Asia

VHIS Flexi

20,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.7 / 10

10-year Avg. Premium

HKD 5,306 /Year

First Year Premium

HKD 4,454

Blue Cross | 藍十字保險

Dynasty VHIS Plan

Semi-Private

Asia

VHIS Flexi

20,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.4 / 10

10-year Avg. Premium

HKD 6,127 /Year

First Year Premium

HKD 5,163

Blue Cross | 藍十字保險

Dynasty VHIS Plan

Semi-Private

Global

VHIS Flexi

20,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.4 / 10

10-year Avg. Premium

HKD 9,936 /Year

First Year Premium

HKD 8,373

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Enhance)

Semi-Private

Asia

VHIS Flexi

20,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.2 / 10

10-year Avg. Premium

HKD 4,771 /Year

First Year Premium

HKD 4,133

Cigna Healthcare | 信諾環球

Cigna VHIS Series – Flexi Plan (Superior) 3

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.2 / 10

10-year Avg. Premium

HKD 5,107 /Year

First Year Premium

HKD 4,509

Bupa | 保柏

Bupa Hero VHIS Plan (Advance)

Semi-Private

Asia

VHIS Flexi

12,000 Deductible

9.9

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

8.6 / 10

10-year Avg. Premium

7,059

HKD

6,755

First Year Premium

6,070

HKD 3,035

Bupa | 保柏

Bupa Hero VHIS Plan (Advance Pro)

Semi-Private

Global Ex-US

VHIS Flexi

12,000 Deductible

9.9

/ 10

10Life Score

 Medical Coverage Score  
 10 / 10   
 Special Feature Score  
 8.6 / 10   
 10-year Avg. Premium  

              HKD
            
 7,934   

First Year Premium

HKD 6,823

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Semi-Private

Asia

Non-VHIS

25,000 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD

6,746

First Year Premium

HKD 5,990

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Semi-Private

Asia

Non-VHIS

15,000 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD

7,779

First Year Premium

HKD 6,741

FWD | 富衛

vPrime Signature Medical Plan (Standard)

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

4,601

HKD

4,394

First Year Premium

4,118

HKD 2,402

FWD | 富衛

vPrime Signature Medical Plan (Standard)

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

5,377

HKD

5,137

First Year Premium

4,814

HKD 2,808

FWD | 富衛

vPrime Signature Medical Plan (Superior)

Semi-Private

Global Ex-US

VHIS Flexi

25,000 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

5,434

HKD

5,189

First Year Premium

4,862

HKD 2,836

FWD | 富衛

vPrime Signature Medical Plan (Superior)

Semi-Private

Global Ex-US

VHIS Flexi

16,000 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

6,404

HKD

6,117

First Year Premium

5,732

HKD 3,344

FWD | 富衛

vPrime Medical Plan

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

7.9 / 10

10-year Avg. Premium

4,645

HKD

4,435

First Year Premium

4,156

HKD 2,425

Product Website

FWD | 富衛

vPrime Medical Plan

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

7.9 / 10

10-year Avg. Premium

5,427

HKD

5,184

First Year Premium

4,858

HKD 2,834

Product Website

Sun Life | Sun Life 永明

WeHealth Prestige

Semi-Private

Asia

VHIS Flexi

20,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

6.7 / 10

10-year Avg. Premium

HKD

5,306

First Year Premium

HKD 4,454

Blue Cross | 藍十字保險

Dynasty VHIS Plan

Semi-Private

Asia

VHIS Flexi

20,000 Deductible

9.6

/ 10

10Life Score

 Medical Coverage Score  
 10 / 10   
 Special Feature Score  
 6.4 / 10   
 10-year Avg. Premium  

              HKD
            
 6,127   

First Year Premium

HKD 5,163

Blue Cross | 藍十字保險

Dynasty VHIS Plan

Semi-Private

Global

VHIS Flexi

20,000 Deductible

9.6

/ 10

10Life Score

 Medical Coverage Score  
 10 / 10   
 Special Feature Score  
 6.4 / 10   
 10-year Avg. Premium  

              HKD
            
 9,936   

First Year Premium

HKD 8,373

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Enhance)

Semi-Private

Asia

VHIS Flexi

20,000 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

6.2 / 10

10-year Avg. Premium

HKD

4,771

First Year Premium

HKD 4,133

Cigna Healthcare | 信諾環球

Cigna VHIS Series – Flexi Plan (Superior) 3

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

6.2 / 10

10-year Avg. Premium

HKD

5,107

First Year Premium

HKD 4,509

Bupa | 保柏

Bupa Hero VHIS Plan (Advance)

Semi-Private

Asia

VHIS Flexi

12,000 Deductible

10Life Score

9.9

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8.6 / 10

10-year Avg. Premium

HKD 6,755 /Year

7,059

First Year Premium

HKD 3,035

6,070

Bupa | 保柏

Bupa Hero VHIS Plan (Advance Pro)

Semi-Private

Global Ex-US

VHIS Flexi

12,000 Deductible

10Life Score

9.9

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8.6 / 10

10-year Avg. Premium

HKD 7,934 /Year

First Year Premium

HKD 6,823

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Semi-Private

Asia

Non-VHIS

25,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 6,746 /Year

First Year Premium

HKD 5,990

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Semi-Private

Asia

Non-VHIS

15,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 7,779 /Year

First Year Premium

HKD 6,741

FWD | 富衛

vPrime Signature Medical Plan (Standard)

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 4,394 /Year

4,601

First Year Premium

HKD 2,402

4,118

FWD | 富衛

vPrime Signature Medical Plan (Standard)

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 5,137 /Year

5,377

First Year Premium

HKD 2,808

4,814

FWD | 富衛

vPrime Signature Medical Plan (Superior)

Semi-Private

Global Ex-US

VHIS Flexi

25,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 5,189 /Year

5,434

First Year Premium

HKD 2,836

4,862

FWD | 富衛

vPrime Signature Medical Plan (Superior)

Semi-Private

Global Ex-US

VHIS Flexi

16,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 6,117 /Year

6,404

First Year Premium

HKD 3,344

5,732

FWD | 富衛

vPrime Medical Plan

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.9 / 10

10-year Avg. Premium

HKD 4,435 /Year

4,645

First Year Premium

HKD 2,425

4,156

Product Website

FWD | 富衛

vPrime Medical Plan

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.9 / 10

10-year Avg. Premium

HKD 5,184 /Year

5,427

First Year Premium

HKD 2,834

4,858

Product Website

Sun Life | Sun Life 永明

WeHealth Prestige

Semi-Private

Asia

VHIS Flexi

20,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.7 / 10

10-year Avg. Premium

HKD 5,306 /Year

First Year Premium

HKD 4,454

Blue Cross | 藍十字保險

Dynasty VHIS Plan

Semi-Private

Asia

VHIS Flexi

20,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.4 / 10

10-year Avg. Premium

HKD 6,127 /Year

First Year Premium

HKD 5,163

Blue Cross | 藍十字保險

Dynasty VHIS Plan

Semi-Private

Global

VHIS Flexi

20,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.4 / 10

10-year Avg. Premium

HKD 9,936 /Year

First Year Premium

HKD 8,373

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Enhance)

Semi-Private

Asia

VHIS Flexi

20,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.2 / 10

10-year Avg. Premium

HKD 4,771 /Year

First Year Premium

HKD 4,133

Cigna Healthcare | 信諾環球

Cigna VHIS Series – Flexi Plan (Superior) 3

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

6.2 / 10

10-year Avg. Premium

HKD 5,107 /Year

First Year Premium

HKD 4,509

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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

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.

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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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Which is the best insurance company for Medical (in-patient) Insurance?

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