10Life Financial Limited
Enquiries: enquiries@10life.com
Hotline: (852) 3705 1599
Address: 16/F Greatmany Centre, 109-115 Queen’s Road East, Wan Chai, Hong Kong
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Medical Insurance Comparison 2026
Deductible
First Year Premium
Average Annual Premium
Deductible
First Year Premium
Average Annual Premium
Male
Age : 30
Ward
Geographical Coverage (3)
Deductible : 12,000 - 23,000
First Year Premium : 0 - 50,000 +
Average Annual Premium : 0 - 50,000 +
Insurer
Plan Type :
We found 17 Medical Insurance product(s) matching your selected filters.
FWD | 富衛
NobleCare Premier Medical Plan (Essential)
Ward
Greater China
Non-VHIS
16,000 Deductible
9.6
/ 10
10Life Score
Medical Coverage Score
9.8 / 10
Special Feature Score
8.3 / 10
10-year Avg. Premium
6,896
HKD
6,739
Limited offer
Successful application on or before 30 September 2026 can enjoy 3-month premium discount in the first policy year.
First Year Premium
6,317
HKD
4,738
9.6
/ 10
10Life Score
Medical Coverage Score
9.7 / 10
Special Feature Score
8.5 / 10
10-year Avg. Premium
5,731
HKD
5,471
Limited offer
Enjoy up to 6-month (1st policy year)¹ + 4-month (2nd policy year)² + 3-month (3rd policy year)² premium discount upon successful application
First Year Premium
5,189
HKD
3,027
Bupa | 保柏
Bupa Hero VHIS Plan (Core Pro)
Ward
Global Ex-US
VHIS Flexi
15,000 Deductible
9.6
/ 10
10Life Score
Medical Coverage Score
9.7 / 10
Special Feature Score
8 / 10
10-year Avg. Premium
6,117
HKD
5,941
Limited offer
Apply on or before 31 August 2026, save a total of 6 months’ premiums over the first 2 years, plus a complimentary health check!
First Year Premium
5,294
HKD
3,530
Cathay | 國泰
Cigna Cathay Premier Health Plan
Ward
Asia
Non-VHIS
15,000 Deductible
9.5
/ 10
10Life Score
Medical Coverage Score
9.9 / 10
Special Feature Score
5.9 / 10
10-year Avg. Premium
HKD
6,434
Cathay | 國泰
Cigna Cathay Premier Health Plan
Ward
Global Ex-US
Non-VHIS
15,000 Deductible
9.5
/ 10
10Life Score
Medical Coverage Score
9.9 / 10
Special Feature Score
5.9 / 10
10-year Avg. Premium
HKD
11,280
Manulife | 宏利
Manulife Supreme VHIS Flexi Plan (Smart)
Ward
Asia
VHIS Flexi
22,800 Deductible
9.5
/ 10
10Life Score
Medical Coverage Score
9.8 / 10
Special Feature Score
7 / 10
10-year Avg. Premium
HKD
5,739
First Year Premium
HKD
4,937
AXA Hong Kong and Macau | AXA 安盛
AXA WiseGuard Pro Medical Insurance Plan (Regular)
Ward
Greater China
VHIS Flexi
20,000 Deductible
9.5
/ 10
10Life Score
Medical Coverage Score
9.8 / 10
Special Feature Score
6.6 / 10
10-year Avg. Premium
HKD
5,883
Limited offer
Successfully application may enjoy up to 6 months’ premium refund! Terms and conditions apply.
First Year Premium
HKD
5,060
Cigna Healthcare | 信諾環球
Cigna VHIS Series – Flexi Plan (Superior)
Ward
Asia
VHIS Flexi
15,000 Deductible
9.4
/ 10
10Life Score
Medical Coverage Score
9.8 / 10
Special Feature Score
6 / 10
10-year Avg. Premium
5,561
HKD
5,487
Limited offer
Enjoy 50% off your first-year premium upon successful enrollment, extra 15% off on first-year premium by using promo code "DC10LIFE"
Blue Cross | 藍十字保險
Blue Cross Love Yourself VHIS Plan
Ward
Asia
VHIS Flexi
20,000 Deductible
9.4
/ 10
10Life Score
Medical Coverage Score
9.7 / 10
Special Feature Score
6.6 / 10
10-year Avg. Premium
HKD
4,963
First Year Premium
HKD
4,681
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Bronze
Ward
Greater China
VHIS Flexi
16,000 Deductible
9.3
/ 10
10Life Score
Medical Coverage Score
9.8 / 10
Special Feature Score
4.7 / 10
10-year Avg. Premium
HKD
5,938
AIA | 友邦香港
AIA Voluntary Health Insurance SelectWise Scheme
Ward
Asia
VHIS Flexi
18,000 Deductible
9.1
/ 10
10Life Score
Medical Coverage Score
9.5 / 10
Special Feature Score
5.8 / 10
10-year Avg. Premium
HKD
5,542
Hang Seng | 恒生
Vital Care Voluntary Health Insurance Flexi Plan Bronze
Ward
Greater China
VHIS Flexi
16,000 Deductible
9.1
/ 10
10Life Score
Medical Coverage Score
9.5 / 10
Special Feature Score
4.7 / 10
10-year Avg. Premium
HKD
5,938
Bowtie | 保泰人壽
Bowtie Pink VHIS Plan
Ward
Global Ex-US
VHIS Flexi
20,000 Deductible
9.0
/ 10
10Life Score
Medical Coverage Score
9.6 / 10
Special Feature Score
4.1 / 10
10-year Avg. Premium
4,834
HKD
4,483
Limited Offer
Enjoy 11 months premium waiver (6 months premium waiver on 1st-year, and 4 months premium waiver on 2nd-year) by using promo code "10LIFE"
Bowtie | 保泰人壽
Bowtie Pink VHIS Plan + CUHKMC Wellness Package
Ward
Global Ex-US
VHIS Flexi
20,000 Deductible
9.0
/ 10
10Life Score
Medical Coverage Score
9.5 / 10
Special Feature Score
4.7 / 10
10-year Avg. Premium
HKD
7,234
FWD | 富衛
NobleCare Premier Medical Plan (Essential)
Ward
Greater China
Non-VHIS
16,000 Deductible
10Life Score
9.6
/ 10
Medical Coverage Score
9.8 / 10
Special Feature Score
8.3 / 10
10-year Avg. Premium
HKD
6,739 /Year
6,896
First Year Premium
HKD
4,738
6,317
Limited offer
Successful application on or before 30 September 2026 can enjoy 3-month premium discount in the first policy year.
10Life Score
9.6
/ 10
Medical Coverage Score
9.7 / 10
Special Feature Score
8.5 / 10
10-year Avg. Premium
HKD
5,471 /Year
5,731
First Year Premium
HKD
3,027
5,189
Limited offer
Enjoy up to 6-month (1st policy year)¹ + 4-month (2nd policy year)² + 3-month (3rd policy year)² premium discount upon successful application
Bupa | 保柏
Bupa Hero VHIS Plan (Core Pro)
Ward
Global Ex-US
VHIS Flexi
15,000 Deductible
10Life Score
9.6
/ 10
Medical Coverage Score
9.7 / 10
Special Feature Score
8 / 10
10-year Avg. Premium
HKD
5,941 /Year
6,117
First Year Premium
HKD
3,530
5,294
Limited offer
Apply on or before 31 August 2026, save a total of 6 months’ premiums over the first 2 years, plus a complimentary health check!
Cathay | 國泰
Cigna Cathay Premier Health Plan
Ward
Asia
Non-VHIS
15,000 Deductible
10Life Score
9.5
/ 10
Medical Coverage Score
9.9 / 10
Special Feature Score
5.9 / 10
10-year Avg. Premium
HKD
6,434 /Year
First Year Premium
HKD
5,763
Cathay | 國泰
Cigna Cathay Premier Health Plan
Ward
Global Ex-US
Non-VHIS
15,000 Deductible
10Life Score
9.5
/ 10
Medical Coverage Score
9.9 / 10
Special Feature Score
5.9 / 10
10-year Avg. Premium
HKD
11,280 /Year
First Year Premium
HKD
10,100
Manulife | 宏利
Manulife Supreme VHIS Flexi Plan (Smart)
Ward
Asia
VHIS Flexi
22,800 Deductible
10Life Score
9.5
/ 10
Medical Coverage Score
9.8 / 10
Special Feature Score
7 / 10
10-year Avg. Premium
HKD
5,739 /Year
First Year Premium
HKD
4,937
AXA Hong Kong and Macau | AXA 安盛
AXA WiseGuard Pro Medical Insurance Plan (Regular)
Ward
Greater China
VHIS Flexi
20,000 Deductible
10Life Score
9.5
/ 10
Medical Coverage Score
9.8 / 10
Special Feature Score
6.6 / 10
10-year Avg. Premium
HKD
5,883 /Year
First Year Premium
HKD
5,060
Limited offer
Successfully application may enjoy up to 6 months’ premium refund! Terms and conditions apply.
Cigna Healthcare | 信諾環球
Cigna VHIS Series – Flexi Plan (Superior)
Ward
Asia
VHIS Flexi
15,000 Deductible
10Life Score
9.4
/ 10
Medical Coverage Score
9.8 / 10
Special Feature Score
6 / 10
10-year Avg. Premium
HKD
5,487 /Year
5,561
First Year Premium
HKD
4,189
4,928
Limited offer
Enjoy 50% off your first-year premium upon successful enrollment, extra 15% off on first-year premium by using promo code "DC10LIFE"
Blue Cross | 藍十字保險
Blue Cross Love Yourself VHIS Plan
Ward
Asia
VHIS Flexi
20,000 Deductible
10Life Score
9.4
/ 10
Medical Coverage Score
9.7 / 10
Special Feature Score
6.6 / 10
10-year Avg. Premium
HKD
4,963 /Year
First Year Premium
HKD
4,681
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Bronze
Ward
Greater China
VHIS Flexi
16,000 Deductible
10Life Score
9.3
/ 10
Medical Coverage Score
9.8 / 10
Special Feature Score
4.7 / 10
10-year Avg. Premium
HKD
5,938 /Year
First Year Premium
HKD
5,316
AIA | 友邦香港
AIA Voluntary Health Insurance SelectWise Scheme
Ward
Asia
VHIS Flexi
18,000 Deductible
10Life Score
9.1
/ 10
Medical Coverage Score
9.5 / 10
Special Feature Score
5.8 / 10
10-year Avg. Premium
HKD
5,542 /Year
First Year Premium
HKD
5,112
Hang Seng | 恒生
Vital Care Voluntary Health Insurance Flexi Plan Bronze
Ward
Greater China
VHIS Flexi
16,000 Deductible
10Life Score
9.1
/ 10
Medical Coverage Score
9.5 / 10
Special Feature Score
4.7 / 10
10-year Avg. Premium
HKD
5,938 /Year
First Year Premium
HKD
5,316
Bowtie | 保泰人壽
Bowtie Pink VHIS Plan
Ward
Global Ex-US
VHIS Flexi
20,000 Deductible
10Life Score
9.0
/ 10
Medical Coverage Score
9.6 / 10
Special Feature Score
4.1 / 10
10-year Avg. Premium
HKD
4,483 /Year
4,834
First Year Premium
HKD
2,082
4,164
Limited Offer
Enjoy 11 months premium waiver (6 months premium waiver on 1st-year, and 4 months premium waiver on 2nd-year) by using promo code "10LIFE"
Bowtie | 保泰人壽
Bowtie Pink VHIS Plan + CUHKMC Wellness Package
Ward
Global Ex-US
VHIS Flexi
20,000 Deductible
10Life Score
9.0
/ 10
Medical Coverage Score
9.5 / 10
Special Feature Score
4.7 / 10
10-year Avg. Premium
HKD
7,234 /Year
First Year Premium
HKD
6,564
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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.
Ward Type
Also know as general ward, with multiple beds
Usually has 2 beds and a shared bathroom
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.
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.
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.
