Medical Insurance Comparison 2026

Semi-Private

Asia

VHIS Flexi

12,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.7 / 10

10-year Avg. Premium

HKD 9,777 /Year

First Year Premium

HKD 8,640

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

7.7 / 10

10-year Avg. Premium

HKD 10,990 /Year

First Year Premium

HKD 9,712

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.4 / 10

10-year Avg. Premium

HKD 7,507 /Year

First Year Premium

HKD 6,768

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.4 / 10

10-year Avg. Premium

HKD 7,936 /Year

First Year Premium

HKD 7,320

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Global Ex-US

VHIS Flexi

25,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.4 / 10

10-year Avg. Premium

HKD 8,257 /Year

First Year Premium

HKD 7,440

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Global Ex-US

VHIS Flexi

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.4 / 10

10-year Avg. Premium

HKD 8,730 /Year

First Year Premium

HKD 8,048

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 8,373 /Year

8,478

First Year Premium

HKD 5,975

7,029

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 9,912 /Year

10,035

First Year Premium

HKD 6,942

8,167

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 4,854 /Year

5,088

First Year Premium

HKD 2,726

4,673

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 5,292 /Year

5,547

First Year Premium

HKD 2,971

5,094

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 5,703 /Year

5,977

First Year Premium

HKD 3,194

5,474

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 5,733 /Year

6,009

First Year Premium

HKD 3,220

5,519

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 6,187 /Year

6,485

First Year Premium

HKD 3,464

5,938

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 6,792 /Year

7,119

First Year Premium

HKD 3,803

6,519

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 6,145 /Year

6,290

First Year Premium

HKD 4,333

5,777

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
 7.7 / 10   
10-year Avg. Premium

              HKD
            
 9,777   

First Year Premium

HKD 8,640

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
 7.7 / 10   
10-year Avg. Premium

              HKD
            
 10,990   

First Year Premium

HKD 9,712

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

9.7

/ 10

10Life Score

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

              HKD
            
 7,507   

First Year Premium

HKD 6,768

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

9.7

/ 10

10Life Score

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

              HKD
            
 7,936   

First Year Premium

HKD 7,320

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Global Ex-US

VHIS Flexi

25,000 Deductible

9.7

/ 10

10Life Score

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

              HKD
            
 8,257   

First Year Premium

HKD 7,440

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Global Ex-US

VHIS Flexi

16,000 Deductible

9.7

/ 10

10Life Score

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

              HKD
            
 8,730   

First Year Premium

HKD 8,048

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

8,478

HKD

8,373

First Year Premium

7,029

HKD 5,975

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

10,035

HKD

9,912

First Year Premium

8,167

HKD 6,942

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

5,088

HKD

4,854

First Year Premium

4,673

HKD 2,726

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

5,547

HKD

5,292

First Year Premium

5,094

HKD 2,971

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

5,977

HKD

5,703

First Year Premium

5,474

HKD 3,194

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

6,009

HKD

5,733

First Year Premium

5,519

HKD 3,220

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

6,485

HKD

6,187

First Year Premium

5,938

HKD 3,464

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

7,119

HKD

6,792

First Year Premium

6,519

HKD 3,803

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

6,290

HKD

6,145

First Year Premium

5,777

HKD 4,333

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

7.7 / 10

10-year Avg. Premium

HKD 9,777 /Year

First Year Premium

HKD 8,640

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

7.7 / 10

10-year Avg. Premium

HKD 10,990 /Year

First Year Premium

HKD 9,712

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Asia

VHIS Flexi

25,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.4 / 10

10-year Avg. Premium

HKD 7,507 /Year

First Year Premium

HKD 6,768

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.4 / 10

10-year Avg. Premium

HKD 7,936 /Year

First Year Premium

HKD 7,320

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Global Ex-US

VHIS Flexi

25,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.4 / 10

10-year Avg. Premium

HKD 8,257 /Year

First Year Premium

HKD 7,440

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Global Ex-US

VHIS Flexi

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.4 / 10

10-year Avg. Premium

HKD 8,730 /Year

First Year Premium

HKD 8,048

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 8,373 /Year

8,478

First Year Premium

HKD 5,975

7,029

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 9,912 /Year

10,035

First Year Premium

HKD 6,942

8,167

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 4,854 /Year

5,088

First Year Premium

HKD 2,726

4,673

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 5,292 /Year

5,547

First Year Premium

HKD 2,971

5,094

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 5,703 /Year

5,977

First Year Premium

HKD 3,194

5,474

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 5,733 /Year

6,009

First Year Premium

HKD 3,220

5,519

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 6,187 /Year

6,485

First Year Premium

HKD 3,464

5,938

FWD | 富衛

vPrime Signature Medical Plan (Superior)

【平買醫保】識得買醫療保險大房計劃都claim足到

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 6,792 /Year

7,119

First Year Premium

HKD 3,803

6,519

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 6,145 /Year

6,290

First Year Premium

HKD 4,333

5,777

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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.