Compare Medical Insurance

VHIS Quick Guide
Gender
Male
Age
25
Room Type
Ward
Geographical Coverage
Any
Deductible
$5,000 - $30,000
First Year Premium
$0 - $50,000 +
Average Annual Premium
$0 - $50,000 +
Insurer
Plan Type
Gender
Male
Age
25
Room Type
Ward
Geographical Coverage
Any
Deductible
$5,000 - $30,000
First Year Premium
$0 - $50,000 +
Average Annual Premium
$0 - $50,000 +

Male

Age : 25

Ward

Geographical Coverage : Any

Deductible : 5,000 - 30,000

First Year Premium : 0 - 50,000 +

Average Annual Premium : 0 - 50,000 +

Insurer

Plan Type :

We found 50 Medical Insurance product(s) matching your selected filters.
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5 Star Ratings
Bupa | 保柏
Bupa Hero VHIS Plan (Deluxe)
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
8,840
HKD
8,448
First Year Premium
7,841
HKD 3,921
Bupa | 保柏
Bupa Hero VHIS Plan (Deluxe Pro)
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
9,821
First Year Premium
HKD 8,711
FWD | 富衛
vTheOne Medical Plan (Standard Plus)
Private
Asia
VHIS Flexi
25,000 Deductible
9.8
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
8.3 / 10
10-year Avg. Premium
11,205
HKD
10,517
First Year Premium
10,157
HKD 5,926
FWD | 富衛
vTheOne Medical Plan (Premier)
Private
Global
VHIS Flexi
25,000 Deductible
9.8
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
8.3 / 10
10-year Avg. Premium
24,673
HKD
23,133
First Year Premium
23,006
HKD 13,422
Cigna Healthcare | 信諾環球
Cigna HealthFirst Elite 360 Medical Plan
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
8,685
First Year Premium
HKD 7,522
Cigna Healthcare | 信諾環球
Cigna HealthFirst Elite 360 Medical Plan
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
10,711
First Year Premium
HKD 9,190
Cigna Healthcare | 信諾環球
Cigna HealthFirst Elite 360 Medical Plan
Private
Global Ex-US
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
12,223
First Year Premium
HKD 10,558
Cigna Healthcare | 信諾環球
Cigna HealthFirst Elite 360 Medical Plan
Private
Global Ex-US
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
15,073
First Year Premium
HKD 12,900
Cigna Healthcare | 信諾環球
Cigna HealthFirst Elite 360 Medical Plan
Private
Global
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
22,604
First Year Premium
HKD 19,590
Cigna Healthcare | 信諾環球
Cigna HealthFirst Elite 360 Medical Plan
Private
Global
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
27,880
First Year Premium
HKD 23,941
AXA Hong Kong and Macau | AXA 安盛
AXA WiseGuard Pro Medical Insurance Plan (Noble)
Private
Global Ex-US
VHIS Flexi
20,000 Deductible
9.7
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
6.5 / 10
10-year Avg. Premium
HKD
12,042
First Year Premium
HKD 10,695
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
10 / 10
Special Feature Score
6.2 / 10
10-year Avg. Premium
HKD
8,839
First Year Premium
HKD 7,731
FWD | 富衛
vTheOne Medical Plan (Standard)
Private
Asia
VHIS Flexi
25,000 Deductible
9.7
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
7.3 / 10
10-year Avg. Premium
10,571
HKD
9,921
First Year Premium
9,582
HKD 5,590
FWD | 富衛
vTheOne Medical Plan (Superior)
Private
Global Ex-US
VHIS Flexi
25,000 Deductible
9.7
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
7.3 / 10
10-year Avg. Premium
15,408
HKD
14,694
First Year Premium
14,225
HKD 8,299
FTLife | 富通
MediChamp Insurance Plan
Private
Global Ex-US
Non-VHIS
18,000 Deductible
9.7
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
6.8 / 10
10-year Avg. Premium
HKD
9,525
First Year Premium
HKD 7,949
Bupa | 保柏
Bupa Hero VHIS Plan (Deluxe)
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 8,448 /Year
8,840
First Year Premium
HKD 3,921
7,841
Bupa | 保柏
Bupa Hero VHIS Plan (Deluxe Pro)
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 9,821 /Year
First Year Premium
HKD 8,711
FWD | 富衛
vTheOne Medical Plan (Standard Plus)
Private
Asia
VHIS Flexi
25,000 Deductible
10Life Score
9.8
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
8.3 / 10
10-year Avg. Premium
HKD 10,517 /Year
11,205
First Year Premium
HKD 5,926
10,157
FWD | 富衛
vTheOne Medical Plan (Premier)
Private
Global
VHIS Flexi
25,000 Deductible
10Life Score
9.8
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
8.3 / 10
10-year Avg. Premium
HKD 23,133 /Year
24,673
First Year Premium
HKD 13,422
23,006
Cigna Healthcare | 信諾環球
Cigna HealthFirst Elite 360 Medical Plan
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 8,685 /Year
First Year Premium
HKD 7,522
Cigna Healthcare | 信諾環球
Cigna HealthFirst Elite 360 Medical Plan
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 10,711 /Year
First Year Premium
HKD 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
9.8
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
8 / 10
10-year Avg. Premium
HKD 12,223 /Year
First Year Premium
HKD 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
9.8
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
8 / 10
10-year Avg. Premium
HKD 15,073 /Year
First Year Premium
HKD 12,900
Cigna Healthcare | 信諾環球
Cigna HealthFirst Elite 360 Medical Plan
Private
Global
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 22,604 /Year
First Year Premium
HKD 19,590
Cigna Healthcare | 信諾環球
Cigna HealthFirst Elite 360 Medical Plan
Private
Global
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 27,880 /Year
First Year Premium
HKD 23,941
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
9.7
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
6.5 / 10
10-year Avg. Premium
HKD 12,042 /Year
First Year Premium
HKD 10,695
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
10 / 10
Special Feature Score
6.2 / 10
10-year Avg. Premium
HKD 8,839 /Year
First Year Premium
HKD 7,731
FWD | 富衛
vTheOne Medical Plan (Standard)
Private
Asia
VHIS Flexi
25,000 Deductible
10Life Score
9.7
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
7.3 / 10
10-year Avg. Premium
HKD 9,921 /Year
10,571
First Year Premium
HKD 5,590
9,582
FWD | 富衛
vTheOne Medical Plan (Superior)
Private
Global Ex-US
VHIS Flexi
25,000 Deductible
10Life Score
9.7
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
7.3 / 10
10-year Avg. Premium
HKD 14,694 /Year
15,408
First Year Premium
HKD 8,299
14,225
FTLife | 富通
MediChamp Insurance Plan
Private
Global Ex-US
Non-VHIS
18,000 Deductible
10Life Score
9.7
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
6.8 / 10
10-year Avg. Premium
HKD 9,525 /Year
First Year Premium
HKD 7,949
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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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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
General Enquiry
Hotline
3705 1599
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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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