Compare Medical Insurance

Semi-Private

Asia

VHIS Flexi

12,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 8,265 /Year

8,447

First Year Premium

HKD 5,448

7,264

Bupa | 保柏

Bupa Hero VHIS Plan (Advance Pro)

Semi-Private

Global Ex-US

VHIS Flexi

12,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 9,495 /Year

First Year Premium

HKD 8,165

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Semi-Private

Asia

Non-VHIS

25,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.3 / 10

10-year Avg. Premium

HKD 7,040 /Year

7,135

First Year Premium

HKD 5,386

6,336

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Semi-Private

Asia

Non-VHIS

15,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.3 / 10

10-year Avg. Premium

HKD 8,061 /Year

8,168

First Year Premium

HKD 6,016

7,078

FWD | 富衛

vPrime Signature Medical Plan (Standard)

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 4,394 /Year

4,601

First Year Premium

HKD 2,402

4,118

FWD | 富衛

vPrime Medical Plan

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 4,790 /Year

5,016

First Year Premium

HKD 2,618

4,488

FWD | 富衛

vPrime Signature Medical Plan (Standard)

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 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

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 5,189 /Year

5,434

First Year Premium

HKD 2,836

4,862

FWD | 富衛

vPrime Medical Plan

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 5,572 /Year

5,834

First Year Premium

HKD 3,046

5,222

FWD | 富衛

vPrime Signature Medical Plan (Superior)

Semi-Private

Global Ex-US

VHIS Flexi

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 6,117 /Year

6,404

First Year Premium

HKD 3,344

5,732

FWD | 富衛

NobleCare Premier Medical Plan (Standard)

Semi-Private

Asia

Non-VHIS

25,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

HKD 5,593 /Year

5,726

First Year Premium

HKD 3,968

5,290

FWD | 富衛

NobleCare Premier Medical Plan (Standard)

Semi-Private

Asia

Non-VHIS

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

HKD 6,508 /Year

6,660

First Year Premium

HKD 4,548

6,064

FWD | 富衛

NobleCare Premier Medical Plan (Superior)

Semi-Private

Global Ex-US

Non-VHIS

25,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

HKD 6,646 /Year

6,801

First Year Premium

HKD 4,632

6,176

FWD | 富衛

NobleCare Premier Medical Plan (Superior)

Semi-Private

Global Ex-US

Non-VHIS

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

HKD 7,616 /Year

7,798

First Year Premium

HKD 5,460

7,280

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

7.4 / 10

10-year Avg. Premium

HKD 5,664 /Year

First Year Premium

HKD 4,688

Bupa | 保柏

Bupa Hero VHIS Plan (Advance)

Semi-Private

Asia

VHIS Flexi

12,000 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

8,447

HKD

8,265

First Year Premium

7,264

HKD 5,448

Bupa | 保柏

Bupa Hero VHIS Plan (Advance Pro)

Semi-Private

Global Ex-US

VHIS Flexi

12,000 Deductible

9.8

/ 10

10Life Score

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

              HKD
            
 9,495   

First Year Premium

HKD 8,165

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Semi-Private

Asia

Non-VHIS

25,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

7.3 / 10

10-year Avg. Premium

7,135

HKD

7,040

First Year Premium

6,336

HKD 5,386

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Semi-Private

Asia

Non-VHIS

15,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

7.3 / 10

10-year Avg. Premium

8,168

HKD

8,061

First Year Premium

7,078

HKD 6,016

FWD | 富衛

vPrime Signature Medical Plan (Standard)

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

4,601

HKD

4,394

First Year Premium

4,118

HKD 2,402

FWD | 富衛

vPrime Medical Plan

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

5,016

HKD

4,790

First Year Premium

4,488

HKD 2,618

FWD | 富衛

vPrime Signature Medical Plan (Standard)

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 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

9.7

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

5,434

HKD

5,189

First Year Premium

4,862

HKD 2,836

FWD | 富衛

vPrime Medical Plan

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

5,834

HKD

5,572

First Year Premium

5,222

HKD 3,046

FWD | 富衛

vPrime Signature Medical Plan (Superior)

Semi-Private

Global Ex-US

VHIS Flexi

16,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

6,404

HKD

6,117

First Year Premium

5,732

HKD 3,344

FWD | 富衛

NobleCare Premier Medical Plan (Standard)

Semi-Private

Asia

Non-VHIS

25,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

5,726

HKD

5,593

First Year Premium

5,290

HKD 3,968

FWD | 富衛

NobleCare Premier Medical Plan (Standard)

Semi-Private

Asia

Non-VHIS

16,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

6,660

HKD

6,508

First Year Premium

6,064

HKD 4,548

FWD | 富衛

NobleCare Premier Medical Plan (Superior)

Semi-Private

Global Ex-US

Non-VHIS

25,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

6,801

HKD

6,646

First Year Premium

6,176

HKD 4,632

FWD | 富衛

NobleCare Premier Medical Plan (Superior)

Semi-Private

Global Ex-US

Non-VHIS

16,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

7,798

HKD

7,616

First Year Premium

7,280

HKD 5,460

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

9.6

/ 10

10Life Score

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

              HKD
            
 5,664   

First Year Premium

HKD 4,688

Bupa | 保柏

Bupa Hero VHIS Plan (Advance)

Semi-Private

Asia

VHIS Flexi

12,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 8,265 /Year

8,447

First Year Premium

HKD 5,448

7,264

Bupa | 保柏

Bupa Hero VHIS Plan (Advance Pro)

Semi-Private

Global Ex-US

VHIS Flexi

12,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 9,495 /Year

First Year Premium

HKD 8,165

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Semi-Private

Asia

Non-VHIS

25,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.3 / 10

10-year Avg. Premium

HKD 7,040 /Year

7,135

First Year Premium

HKD 5,386

6,336

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Semi-Private

Asia

Non-VHIS

15,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.3 / 10

10-year Avg. Premium

HKD 8,061 /Year

8,168

First Year Premium

HKD 6,016

7,078

FWD | 富衛

vPrime Signature Medical Plan (Standard)

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 4,394 /Year

4,601

First Year Premium

HKD 2,402

4,118

FWD | 富衛

vPrime Medical Plan

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 4,790 /Year

5,016

First Year Premium

HKD 2,618

4,488

FWD | 富衛

vPrime Signature Medical Plan (Standard)

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 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

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 5,189 /Year

5,434

First Year Premium

HKD 2,836

4,862

FWD | 富衛

vPrime Medical Plan

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 5,572 /Year

5,834

First Year Premium

HKD 3,046

5,222

FWD | 富衛

vPrime Signature Medical Plan (Superior)

Semi-Private

Global Ex-US

VHIS Flexi

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 6,117 /Year

6,404

First Year Premium

HKD 3,344

5,732

FWD | 富衛

NobleCare Premier Medical Plan (Standard)

Semi-Private

Asia

Non-VHIS

25,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

HKD 5,593 /Year

5,726

First Year Premium

HKD 3,968

5,290

FWD | 富衛

NobleCare Premier Medical Plan (Standard)

Semi-Private

Asia

Non-VHIS

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

HKD 6,508 /Year

6,660

First Year Premium

HKD 4,548

6,064

FWD | 富衛

NobleCare Premier Medical Plan (Superior)

Semi-Private

Global Ex-US

Non-VHIS

25,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

HKD 6,646 /Year

6,801

First Year Premium

HKD 4,632

6,176

FWD | 富衛

NobleCare Premier Medical Plan (Superior)

Semi-Private

Global Ex-US

Non-VHIS

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

HKD 7,616 /Year

7,798

First Year Premium

HKD 5,460

7,280

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

7.4 / 10

10-year Avg. Premium

HKD 5,664 /Year

First Year Premium

HKD 4,688

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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.

Compare Products

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.