Compare Medical Insurance

VHIS Quick Guide

Male

Age : 35

Ward

Geographical Coverage : Any

Deductible : 0 - 0

First Year Premium : 0 - 50,000 +

Average Annual Premium : 0 - 50,000 +

Insurer

Plan Type :

We found 104 Medical Insurance product(s) matching your selected filters.
Assumptions
FWD | 富衛
vBooster Medical Plan
Ward
Asia
VHIS Flexi
0 Deductible
9.7
/ 10
10Life Score
Medical Coverage Score
9.9 / 10
Special Feature Score
8 / 10
10-year Avg. Premium
9,159
HKD
9,017
First Year Premium
8,532
HKD 7,111
AXA Hong Kong and Macau | AXA 安盛
AXA WiseGuard Pro Medical Insurance Plan (Regular)
Ward
Greater China
VHIS Flexi
0 Deductible
9.6
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
6.2 / 10
10-year Avg. Premium
HKD
10,030
First Year Premium
HKD 8,699
Manulife | 宏利
Manulife Supreme VHIS Flexi Plan (Smart)
Ward
Asia
VHIS Flexi
0 Deductible
9.6
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
6 / 10
10-year Avg. Premium
HKD
11,140
First Year Premium
HKD 10,306
Cigna Healthcare | 信諾環球
Cigna VHIS Series – Flexi Plan (Superior)
Ward
Asia
VHIS Flexi
0 Deductible
9.6
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
5.9 / 10
10-year Avg. Premium
HKD
11,040
First Year Premium
HKD 9,631
Chubb Life | 安達人壽
VHIS Series – Flexi Plan (Superior)
Ward
Asia
VHIS Flexi
0 Deductible
9.6
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
5.8 / 10
10-year Avg. Premium
HKD
11,040
First Year Premium
HKD 9,631
Sun Life | Sun Life 永明
WeHealth Preferred
Ward
Greater China
VHIS Flexi
0 Deductible
9.2
/ 10
10Life Score
Medical Coverage Score
9.7 / 10
Special Feature Score
5.2 / 10
10-year Avg. Premium
HKD
10,557
First Year Premium
HKD 9,156
FTLife | 富通
“FlexiCare” Medical Insurance Plan
Ward
Global
VHIS Flexi
0 Deductible
9.2
/ 10
10Life Score
Medical Coverage Score
9.6 / 10
Special Feature Score
5.8 / 10
10-year Avg. Premium
HKD
7,349
First Year Premium
HKD 6,731
Bupa | 保柏
Bupa All Together Health Insurance Scheme Plan B
Ward
Asia
Non-VHIS
0 Deductible
9.2
/ 10
10Life Score
Medical Coverage Score
9.6 / 10
Special Feature Score
5.5 / 10
10-year Avg. Premium
HKD
10,752
First Year Premium
HKD 8,909
FWD | 富衛
vCANsurance Medical Plan (Standard)
Ward
Global
VHIS Flexi
0 Deductible
9.2
/ 10
10Life Score
Medical Coverage Score
9.6 / 10
Special Feature Score
5.3 / 10
10-year Avg. Premium
5,401
HKD
5,316
First Year Premium
5,113
HKD 4,261
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Bronze
Ward
Greater China
VHIS Flexi
0 Deductible
9.0
/ 10
10Life Score
Medical Coverage Score
9.6 / 10
Special Feature Score
4.3 / 10
10-year Avg. Premium
10,784
HKD
10,600
First Year Premium
9,172
HKD 7,338
Bowtie | 保泰人壽
Bowtie Pink VHIS Plan
Ward
Global Ex-US
VHIS Flexi
0 Deductible
9.0
/ 10
10Life Score
Medical Coverage Score
9.6 / 10
Special Feature Score
3.8 / 10
10-year Avg. Premium
9,011
HKD
8,603
First Year Premium
8,160
HKD 4,080
Bowtie | 保泰人壽
Bowtie VHIS Flexi Regular + Cancer Fighter 100
Ward
Global
VHIS Flexi
0 Deductible
8.3
/ 10
10Life Score
Medical Coverage Score
9 / 10
Special Feature Score
2.5 / 10
10-year Avg. Premium
4,739
HKD
4,546
First Year Premium
3,852
HKD 1,926
Bupa | 保柏
Bupa All Together Health Insurance Scheme Plan A
Ward
Asia
Non-VHIS
0 Deductible
7.6
/ 10
10Life Score
Medical Coverage Score
7.8 / 10
Special Feature Score
5.5 / 10
10-year Avg. Premium
HKD
9,449
First Year Premium
HKD 7,822
Asia Insurance | 亞洲保險
Asia iCare – Plan 2A (with SMM)
Ward
Global
VHIS Flexi
0 Deductible
6.9
/ 10
10Life Score
Medical Coverage Score
7.3 / 10
Special Feature Score
4 / 10
10-year Avg. Premium
HKD
6,372
First Year Premium
HKD 5,234
Asia Insurance | 亞洲保險
Asia iCare – Plan 2B (with SMM)
Ward
Global
VHIS Flexi
0 Deductible
6.9
/ 10
10Life Score
Medical Coverage Score
7.2 / 10
Special Feature Score
4 / 10
10-year Avg. Premium
HKD
6,001
First Year Premium
HKD 4,923
FWD | 富衛
vBooster Medical Plan
Ward
Asia
VHIS Flexi
0 Deductible
10Life Score
9.7
/ 10
Medical Coverage Score
9.9 / 10
Special Feature Score
8 / 10
10-year Avg. Premium
HKD 9,017 /Year
9,159
First Year Premium
HKD 7,111
8,532
AXA Hong Kong and Macau | AXA 安盛
AXA WiseGuard Pro Medical Insurance Plan (Regular)
Ward
Greater China
VHIS Flexi
0 Deductible
10Life Score
9.6
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
6.2 / 10
10-year Avg. Premium
HKD 10,030 /Year
First Year Premium
HKD 8,699
Manulife | 宏利
Manulife Supreme VHIS Flexi Plan (Smart)
Ward
Asia
VHIS Flexi
0 Deductible
10Life Score
9.6
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
6 / 10
10-year Avg. Premium
HKD 11,140 /Year
First Year Premium
HKD 10,306
Cigna Healthcare | 信諾環球
Cigna VHIS Series – Flexi Plan (Superior)
Ward
Asia
VHIS Flexi
0 Deductible
10Life Score
9.6
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
5.9 / 10
10-year Avg. Premium
HKD 11,040 /Year
First Year Premium
HKD 9,631
Chubb Life | 安達人壽
VHIS Series – Flexi Plan (Superior)
Ward
Asia
VHIS Flexi
0 Deductible
10Life Score
9.6
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
5.8 / 10
10-year Avg. Premium
HKD 11,040 /Year
First Year Premium
HKD 9,631
Sun Life | Sun Life 永明
WeHealth Preferred
Ward
Greater China
VHIS Flexi
0 Deductible
10Life Score
9.2
/ 10
Medical Coverage Score
9.7 / 10
Special Feature Score
5.2 / 10
10-year Avg. Premium
HKD 10,557 /Year
First Year Premium
HKD 9,156
FTLife | 富通
“FlexiCare” Medical Insurance Plan
Ward
Global
VHIS Flexi
0 Deductible
10Life Score
9.2
/ 10
Medical Coverage Score
9.6 / 10
Special Feature Score
5.8 / 10
10-year Avg. Premium
HKD 7,349 /Year
First Year Premium
HKD 6,731
Bupa | 保柏
Bupa All Together Health Insurance Scheme Plan B
Ward
Asia
Non-VHIS
0 Deductible
10Life Score
9.2
/ 10
Medical Coverage Score
9.6 / 10
Special Feature Score
5.5 / 10
10-year Avg. Premium
HKD 10,752 /Year
First Year Premium
HKD 8,909
FWD | 富衛
vCANsurance Medical Plan (Standard)
Ward
Global
VHIS Flexi
0 Deductible
10Life Score
9.2
/ 10
Medical Coverage Score
9.6 / 10
Special Feature Score
5.3 / 10
10-year Avg. Premium
HKD 5,316 /Year
5,401
First Year Premium
HKD 4,261
5,113
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Bronze
Ward
Greater China
VHIS Flexi
0 Deductible
10Life Score
9.0
/ 10
Medical Coverage Score
9.6 / 10
Special Feature Score
4.3 / 10
10-year Avg. Premium
HKD 10,600 /Year
10,784
First Year Premium
HKD 7,338
9,172
Bowtie | 保泰人壽
Bowtie Pink VHIS Plan
Ward
Global Ex-US
VHIS Flexi
0 Deductible
10Life Score
9.0
/ 10
Medical Coverage Score
9.6 / 10
Special Feature Score
3.8 / 10
10-year Avg. Premium
HKD 8,603 /Year
9,011
First Year Premium
HKD 4,080
8,160
Bowtie | 保泰人壽
Bowtie VHIS Flexi Regular + Cancer Fighter 100
Ward
Global
VHIS Flexi
0 Deductible
10Life Score
8.3
/ 10
Medical Coverage Score
9 / 10
Special Feature Score
2.5 / 10
10-year Avg. Premium
HKD 4,546 /Year
4,739
First Year Premium
HKD 1,926
3,852
Bupa | 保柏
Bupa All Together Health Insurance Scheme Plan A
Ward
Asia
Non-VHIS
0 Deductible
10Life Score
7.6
/ 10
Medical Coverage Score
7.8 / 10
Special Feature Score
5.5 / 10
10-year Avg. Premium
HKD 9,449 /Year
First Year Premium
HKD 7,822
Asia Insurance | 亞洲保險
Asia iCare – Plan 2A (with SMM)
Ward
Global
VHIS Flexi
0 Deductible
10Life Score
6.9
/ 10
Medical Coverage Score
7.3 / 10
Special Feature Score
4 / 10
10-year Avg. Premium
HKD 6,372 /Year
First Year Premium
HKD 5,234
Asia Insurance | 亞洲保險
Asia iCare – Plan 2B (with SMM)
Ward
Global
VHIS Flexi
0 Deductible
10Life Score
6.9
/ 10
Medical Coverage Score
7.2 / 10
Special Feature Score
4 / 10
10-year Avg. Premium
HKD 6,001 /Year
First Year Premium
HKD 4,923
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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
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.
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.

Cross_Selling_Banner_Best_Insurer
Cross_Selling_Banner_Best_Insurer
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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