Medical Insurance Comparison 2026

Private

Asia

VHIS Flexi

12,000 Deductible

10Life Score

9.8

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

8.4 / 10

10-year Avg. Premium

HKD 15,444 /Year

First Year Premium

HKD 12,358

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

8.4 / 10

10-year Avg. Premium

HKD 17,158 /Year

First Year Premium

HKD 13,729

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 14,326 /Year

14,505

First Year Premium

HKD 10,173

11,968

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 20,212 /Year

20,465

First Year Premium

HKD 14,323

16,850

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 15,564 /Year

First Year Premium

HKD 13,603

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 12,156 /Year

First Year Premium

HKD 10,435

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Platinum

Private

Global Ex-US

VHIS Flexi

16,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 13,466 /Year

First Year Premium

HKD 11,779

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 11,675 /Year

First Year Premium

HKD 10,450

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 16,521 /Year

First Year Premium

HKD 14,787

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Gold

Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.1 / 10

10-year Avg. Premium

HKD 11,916 /Year

First Year Premium

HKD 10,423

Manulife | 宏利

Manulife Supreme VHIS Flexi Plan (Deluxe)

Private

Global Ex-US

VHIS Flexi

22,800 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

7.1 / 10

10-year Avg. Premium

HKD 14,088 /Year

First Year Premium

HKD 12,460

CTF Life | 周大福人壽

MediChamp Insurance Plan

Private

Global Ex-US

Non-VHIS

18,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.4 / 10

10-year Avg. Premium

HKD 11,935 /Year

First Year Premium

HKD 11,008

AIA | 友邦香港

OptimaCEO Medical Plan

Private

Global Ex-US

Non-VHIS

16,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.1 / 10

10-year Avg. Premium

HKD 17,008 /Year

First Year Premium

HKD 15,520

Hang Seng | 恒生

Vital Care Voluntary Health Insurance Flexi Plan Gold

Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.4

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.1 / 10

10-year Avg. Premium

HKD 11,916 /Year

First Year Premium

HKD 10,423

Manulife | 宏利

ManuMaster - Premier

Private

Global Ex-US

Non-VHIS

22,800 Deductible

10Life Score

9.3

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

5.1 / 10

10-year Avg. Premium

HKD 15,262 /Year

First Year Premium

HKD 13,634

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
 8.4 / 10   
10-year Avg. Premium

                HKD
              
 15,444   
 

First Year Premium

HKD 12,358

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
 8.4 / 10   
10-year Avg. Premium

                HKD
              
 17,158   
 

First Year Premium

HKD 13,729

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

14,505

HKD

14,326

First Year Premium

11,968

HKD 10,173

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

20,465

HKD

20,212

First Year Premium

16,850

HKD 14,323

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

15,564

First Year Premium

HKD 13,603

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

12,156

First Year Premium

HKD 10,435

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Platinum

Private

Global Ex-US

VHIS Flexi

16,000 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score
 9.9 / 10   
Special Feature Score
 6.6 / 10   
10-year Avg. Premium

                HKD
              
 13,466   
 

First Year Premium

HKD 11,779

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
              
 11,675   
 

First Year Premium

HKD 10,450

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
              
 16,521   
 

First Year Premium

HKD 14,787

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Gold

Private

Asia

VHIS Flexi

16,000 Deductible

9.5

/ 10

10Life Score

Medical Coverage Score
 9.9 / 10   
Special Feature Score
 6.1 / 10   
10-year Avg. Premium

                HKD
              
 11,916   
 

First Year Premium

HKD 10,423

Manulife | 宏利

Manulife Supreme VHIS Flexi Plan (Deluxe)

Private

Global Ex-US

VHIS Flexi

22,800 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score
 9.9 / 10   
Special Feature Score
 7.1 / 10   
10-year Avg. Premium

                HKD
              
 14,088   
 

First Year Premium

HKD 12,460

CTF Life | 周大福人壽

MediChamp Insurance Plan

Private

Global Ex-US

Non-VHIS

18,000 Deductible

9.5

/ 10

10Life Score

Medical Coverage Score
 9.9 / 10   
Special Feature Score
 6.4 / 10   
10-year Avg. Premium

                HKD
              
 11,935   
 

First Year Premium

HKD 11,008

AIA | 友邦香港

OptimaCEO Medical Plan

Private

Global Ex-US

Non-VHIS

16,000 Deductible

9.5

/ 10

10Life Score

Medical Coverage Score
 9.9 / 10   
Special Feature Score
 6.1 / 10   
10-year Avg. Premium

                HKD
              
 17,008   
 

First Year Premium

HKD 15,520

Hang Seng | 恒生

Vital Care Voluntary Health Insurance Flexi Plan Gold

Private

Asia

VHIS Flexi

16,000 Deductible

9.4

/ 10

10Life Score

Medical Coverage Score
 9.8 / 10   
Special Feature Score
 6.1 / 10   
10-year Avg. Premium

                HKD
              
 11,916   
 

First Year Premium

HKD 10,423

Manulife | 宏利

ManuMaster - Premier

Private

Global Ex-US

Non-VHIS

22,800 Deductible

9.3

/ 10

10Life Score

Medical Coverage Score
 9.8 / 10   
Special Feature Score
 5.1 / 10   
10-year Avg. Premium

                HKD
              
 15,262   
 

First Year Premium

HKD 13,634

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

8.4 / 10

10-year Avg. Premium

HKD 15,444 /Year

First Year Premium

HKD 12,358

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

8.4 / 10

10-year Avg. Premium

HKD 17,158 /Year

First Year Premium

HKD 13,729

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 14,326 /Year

14,505

First Year Premium

HKD 10,173

11,968

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 20,212 /Year

20,465

First Year Premium

HKD 14,323

16,850

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 15,564 /Year

First Year Premium

HKD 13,603

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 12,156 /Year

First Year Premium

HKD 10,435

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Platinum

Private

Global Ex-US

VHIS Flexi

16,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 13,466 /Year

First Year Premium

HKD 11,779

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 11,675 /Year

First Year Premium

HKD 10,450

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 16,521 /Year

First Year Premium

HKD 14,787

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Gold

Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.1 / 10

10-year Avg. Premium

HKD 11,916 /Year

First Year Premium

HKD 10,423

Manulife | 宏利

Manulife Supreme VHIS Flexi Plan (Deluxe)

Private

Global Ex-US

VHIS Flexi

22,800 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

7.1 / 10

10-year Avg. Premium

HKD 14,088 /Year

First Year Premium

HKD 12,460

CTF Life | 周大福人壽

MediChamp Insurance Plan

Private

Global Ex-US

Non-VHIS

18,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.4 / 10

10-year Avg. Premium

HKD 11,935 /Year

First Year Premium

HKD 11,008

AIA | 友邦香港

OptimaCEO Medical Plan

Private

Global Ex-US

Non-VHIS

16,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

6.1 / 10

10-year Avg. Premium

HKD 17,008 /Year

First Year Premium

HKD 15,520

Hang Seng | 恒生

Vital Care Voluntary Health Insurance Flexi Plan Gold

Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.4

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.1 / 10

10-year Avg. Premium

HKD 11,916 /Year

First Year Premium

HKD 10,423

【自願醫保計劃利弊】轉自願醫保好唔好？優、缺點逐點拆解

Manulife | 宏利

ManuMaster - Premier

Private

Global Ex-US

Non-VHIS

22,800 Deductible

10Life Score

9.3

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

5.1 / 10

10-year Avg. Premium

HKD 15,262 /Year

First Year Premium

HKD 13,634

Add More Products

【醫保困局】需要醫保但又怕保費貴？市場正覓新出路

2025-11-19

5min read

10Life 編輯團隊

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.