Compare Medical Insurance

Private

Asia

VHIS Flexi

12,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8.1 / 10

10-year Avg. Premium

HKD 11,055 /Year

11,205

First Year Premium

HKD 8,448

9,939

Bupa | 保柏

Bupa Hero VHIS Plan (Deluxe Pro)

Private

Global Ex-US

VHIS Flexi

12,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8.1 / 10

10-year Avg. Premium

HKD 12,448 /Year

First Year Premium

HKD 11,042

FWD | 富衛

vTheOne Medical Plan (Standard Plus)

Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

9 / 10

10-year Avg. Premium

HKD 10,517 /Year

11,205

First Year Premium

HKD 5,926

10,157

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

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 8,572 /Year

8,685

First Year Premium

HKD 6,394

7,522

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

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 10,573 /Year

10,711

First Year Premium

HKD 7,812

9,190

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Private

Global Ex-US

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 12,065 /Year

12,223

First Year Premium

HKD 8,974

10,558

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Private

Global Ex-US

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 14,879 /Year

15,073

First Year Premium

HKD 10,965

12,900

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Noble)

Private

Global Ex-US

VHIS Flexi

20,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

7.2 / 10

10-year Avg. Premium

HKD 12,042 /Year

First Year Premium

HKD 10,695

AXA Hong Kong and Macau | AXA 安盛

GlobalReach Medical Insurance Plan (Prestige)

Private

Asia

Non-VHIS

25,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.8 / 10

10-year Avg. Premium

HKD 55,884 /Year

First Year Premium

HKD 49,691

AXA Hong Kong and Macau | AXA 安盛

GlobalReach Medical Insurance Plan (Prestige)

Private

Global Ex-US

Non-VHIS

25,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.8 / 10

10-year Avg. Premium

HKD 62,004 /Year

First Year Premium

HKD 54,919

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Premier)

Private

Asia

VHIS Flexi

20,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 9,196 /Year

First Year Premium

HKD 8,002

Cathay | 國泰

Cigna Cathay Premier Health Plan

Private

Asia

Non-VHIS

30,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

5.9 / 10

10-year Avg. Premium

HKD 7,989 /Year

First Year Premium

HKD 7,042

Cathay | 國泰

Cigna Cathay Premier Health Plan

Private

Asia

Non-VHIS

15,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

5.9 / 10

10-year Avg. Premium

HKD 10,264 /Year

First Year Premium

HKD 9,046

Cathay | 國泰

Cigna Cathay Premier Health Plan

Private

Global Ex-US

Non-VHIS

30,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

5.9 / 10

10-year Avg. Premium

HKD 11,304 /Year

First Year Premium

HKD 9,964

Cathay | 國泰

Cigna Cathay Premier Health Plan

Private

Global Ex-US

Non-VHIS

15,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

5.9 / 10

10-year Avg. Premium

HKD 14,524 /Year

First Year Premium

HKD 12,800

Bupa | 保柏

Bupa Hero VHIS Plan (Deluxe)

Private

Asia

VHIS Flexi

12,000 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

8.1 / 10

10-year Avg. Premium

11,205

HKD

11,055

First Year Premium

9,939

HKD 8,448

Bupa | 保柏

Bupa Hero VHIS Plan (Deluxe Pro)

Private

Global Ex-US

VHIS Flexi

12,000 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score
 10 / 10   
Special Feature Score
 8.1 / 10   
10-year Avg. Premium

              HKD
            
 12,448   

First Year Premium

HKD 11,042

FWD | 富衛

vTheOne Medical Plan (Standard Plus)

Private

Asia

VHIS Flexi

25,000 Deductible

9.8

/ 10

10Life Score

Medical Coverage Score

9.9 / 10

Special Feature Score

9 / 10

10-year Avg. Premium

11,205

HKD

10,517

First Year Premium

10,157

HKD 5,926

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

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

8,685

HKD

8,572

First Year Premium

7,522

HKD 6,394

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

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

10,711

HKD

10,573

First Year Premium

9,190

HKD 7,812

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Private

Global Ex-US

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

12,223

HKD

12,065

First Year Premium

10,558

HKD 8,974

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Private

Global Ex-US

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

15,073

HKD

14,879

First Year Premium

12,900

HKD 10,965

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Noble)

Private

Global Ex-US

VHIS Flexi

20,000 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score

9.9 / 10

Special Feature Score

7.2 / 10

10-year Avg. Premium

HKD

12,042

First Year Premium

HKD 10,695

AXA Hong Kong and Macau | AXA 安盛

GlobalReach Medical Insurance Plan (Prestige)

Private

Asia

Non-VHIS

25,000 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score
 9.9 / 10   
Special Feature Score
 6.8 / 10   
10-year Avg. Premium

              HKD
            
 55,884   

First Year Premium

HKD 49,691

AXA Hong Kong and Macau | AXA 安盛

GlobalReach Medical Insurance Plan (Prestige)

Private

Global Ex-US

Non-VHIS

25,000 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score
 9.9 / 10   
Special Feature Score
 6.8 / 10   
10-year Avg. Premium

              HKD
            
 62,004   

First Year Premium

HKD 54,919

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Premier)

Private

Asia

VHIS Flexi

20,000 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score

9.9 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD

9,196

First Year Premium

HKD 8,002

Cathay | 國泰

Cigna Cathay Premier Health Plan

Private

Asia

Non-VHIS

30,000 Deductible

9.5

/ 10

10Life Score

Medical Coverage Score
 10 / 10   
Special Feature Score
 5.9 / 10   
10-year Avg. Premium

              HKD
            
 7,989   

First Year Premium

HKD 7,042

Cathay | 國泰

Cigna Cathay Premier Health Plan

Private

Asia

Non-VHIS

15,000 Deductible

9.5

/ 10

10Life Score

Medical Coverage Score
 10 / 10   
Special Feature Score
 5.9 / 10   
10-year Avg. Premium

              HKD
            
 10,264   

First Year Premium

HKD 9,046

Cathay | 國泰

Cigna Cathay Premier Health Plan

Private

Global Ex-US

Non-VHIS

30,000 Deductible

9.5

/ 10

10Life Score

Medical Coverage Score
 10 / 10   
Special Feature Score
 5.9 / 10   
10-year Avg. Premium

              HKD
            
 11,304   

First Year Premium

HKD 9,964

Cathay | 國泰

Cigna Cathay Premier Health Plan

Private

Global Ex-US

Non-VHIS

15,000 Deductible

9.5

/ 10

10Life Score

Medical Coverage Score
 10 / 10   
Special Feature Score
 5.9 / 10   
10-year Avg. Premium

              HKD
            
 14,524   

First Year Premium

HKD 12,800

Bupa | 保柏

Bupa Hero VHIS Plan (Deluxe)

Private

Asia

VHIS Flexi

12,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8.1 / 10

10-year Avg. Premium

HKD 11,055 /Year

11,205

First Year Premium

HKD 8,448

9,939

Bupa | 保柏

Bupa Hero VHIS Plan (Deluxe Pro)

Private

Global Ex-US

VHIS Flexi

12,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8.1 / 10

10-year Avg. Premium

HKD 12,448 /Year

First Year Premium

HKD 11,042

FWD | 富衛

vTheOne Medical Plan (Standard Plus)

Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

9 / 10

10-year Avg. Premium

HKD 10,517 /Year

11,205

First Year Premium

HKD 5,926

10,157

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

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 8,572 /Year

8,685

First Year Premium

HKD 6,394

7,522

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

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 10,573 /Year

10,711

First Year Premium

HKD 7,812

9,190

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Private

Global Ex-US

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 12,065 /Year

12,223

First Year Premium

HKD 8,974

10,558

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Private

Global Ex-US

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 14,879 /Year

15,073

First Year Premium

HKD 10,965

12,900

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Noble)

Private

Global Ex-US

VHIS Flexi

20,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

7.2 / 10

10-year Avg. Premium

HKD 12,042 /Year

First Year Premium

HKD 10,695

AXA Hong Kong and Macau | AXA 安盛

GlobalReach Medical Insurance Plan (Prestige)

Private

Asia

Non-VHIS

25,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.8 / 10

10-year Avg. Premium

HKD 55,884 /Year

First Year Premium

HKD 49,691

AXA Hong Kong and Macau | AXA 安盛

GlobalReach Medical Insurance Plan (Prestige)

Private

Global Ex-US

Non-VHIS

25,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.8 / 10

10-year Avg. Premium

HKD 62,004 /Year

First Year Premium

HKD 54,919

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Premier)

Private

Asia

VHIS Flexi

20,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 9,196 /Year

First Year Premium

HKD 8,002

Cathay | 國泰

Cigna Cathay Premier Health Plan

Private

Asia

Non-VHIS

30,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

5.9 / 10

10-year Avg. Premium

HKD 7,989 /Year

First Year Premium

HKD 7,042

Cathay | 國泰

Cigna Cathay Premier Health Plan

Private

Asia

Non-VHIS

15,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

5.9 / 10

10-year Avg. Premium

HKD 10,264 /Year

First Year Premium

HKD 9,046

Cathay | 國泰

Cigna Cathay Premier Health Plan

Private

Global Ex-US

Non-VHIS

30,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

5.9 / 10

10-year Avg. Premium

HKD 11,304 /Year

First Year Premium

HKD 9,964

Cathay | 國泰

Cigna Cathay Premier Health Plan

Private

Global Ex-US

Non-VHIS

15,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

5.9 / 10

10-year Avg. Premium

HKD 14,524 /Year

First Year Premium

HKD 12,800

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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.