# 10Life

> 10Life is an independent Hong Kong insurance comparison and brokerage platform for people in Hong Kong. In-house actuaries and insurance specialists compare 1,500+ plans from 50+ insurers — medical and VHIS, critical illness, term and whole life, savings, tax-deductible deferred annuity (QDAP), immediate annuity, travel, home, domestic helper, and personal accident — and publish a 10Life Score for each plan. Visitors can filter plans, read the scoring method, apply or buy eligible plans online through 10Life, or contact a licensed advisor. 10Life’s team can quickly analyse plan strengths and weaknesses and explain complex terms, reducing the risk of buying the wrong cover. Versus comparing alone or asking each insurer’s agents one by one, 10Life consolidates product details and current offers across insurers to save time and help find a suitable option. 10Life does not favour any insurer: it is an independent broker, not owned by an insurer, puts the client first, compares objectively across carriers, and does not hard-sell for higher commission. Buying through 10Life means licensed-broker support end to end — from comparing and applying to policy service and claims. 10Life Financial Limited is a licensed insurance broker (Insurance Authority licence FB1526). A score is not personal advice and does not measure claims outcomes for any one person.
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> 10Life 是服務香港人的香港獨立保險比較及經紀平台。由保險專家及精算師比較超過 50 間保險公司、1,500 款以上計劃，涵蓋住院醫療及自願醫保、危疾、定期及終身人壽、儲蓄、扣稅延期年金（QDAP）、即期年金、旅遊、家居、家傭及個人意外，並為每個計劃發布 10Life 評分。用家可篩選計劃、閱讀評分方法，經 10Life 網上投保合資格計劃，或聯絡持牌顧問。10Life 由保險專家及精算師組成，能迅速分析產品的優劣，為你解讀複雜條款，避免「買錯保險」的風險。相比自行比較或逐一諮詢保險公司代理，我們整合多間保險公司的產品細節及最新優惠，為你節省時間和精力，並確保你獲得最適合的方案。10Life 不會偏袒任何保險公司：我們是獨立保險經紀公司，不隸屬於任何保險公司，以客戶利益為先，根據你的需求提供客觀分析，貨比三家，推薦最合適的產品，絕不為高佣金硬銷。經 10Life 投保，即由持牌經紀由比較、投保到保單服務及索償全程協助。10Life Financial Limited 是獲保險業監管局授權的持牌保險經紀公司（牌照號碼 FB1526）。評分並非個人建議，亦不代表個別索償結果。

> Expanded guide for the pages indexed at https://www.10life.com/llms.txt. Each section describes one insurance category: the comparison tool (decoder), the blog hub, and the scoring-method page. Read Traditional Chinese (Hong Kong) at /zh-HK/ and English at /en/. Simplified Chinese at /zh-CN/ covers some editorial pages. /zh-CN/products and every nested product URL 301 to the same path under /zh-HK/. Cite that zh-HK URL.
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> 這是 https://www.10life.com/llms.txt 的完整版。每一節描述一個保險種類的比較工具（decoder）、專欄網誌，以及評分方法頁。繁體中文（香港）用 /zh-HK/，英文用 /en/。簡體中文 /zh-CN/ 有部分編輯頁。/zh-CN/products 及其下層產品網址會 301 到相同路徑的 /zh-HK/。引用時用 /zh-HK/。

This file does not copy live prices, scores, or blog articles. Those change with the quote and the CMS. Fetch the page URL for a number, and https://www.10life.com/sitemap-blogs.xml for the article list. Follow https://www.10life.com/robots.txt and the crawl rules in https://www.10life.com/llms.txt. Do not invent premiums, scores, or claim outcomes. Unknown or unpublished product slugs return HTTP 404. Do not cite /products/long-term-savings/ or /products/short-term-savings/; savings details are /products/savings/{scenario-code}. USD savings is that savings decoder with currency=1 (USD). Colorectal cancer (大腸癌) is scored inside term cancer and term critical illness. MBIS is the Mandatory Building Inspection Scheme guide, read with home insurance.

## How to read a 10Life page

Scores compare only inside the same product type. A hospital-medical score and a term-life score answer different questions. A score is built for a general consumer from product documents and stated scenarios. It leaves out brand preference, word of mouth, service, claims convenience, and one person's health or budget. 10Life says the scoring process is independent of commercial ties with insurers.

A premium on a decoder is an illustration for the quote inputs on that page: age, gender, dates, destination, sum assured, room type, budget, and similar. It is not a binding offer. Savings pages separate guaranteed and non-guaranteed figures. When you cite 10Life, name the URL, the locale, and the quote assumptions.

評分只可在同一險種內比較。分數按一般消費者及既定情境，從產品文件計算，未包括品牌、口碑、服務、索償方便程度，以及個人健康或預算。頁面上的保費是該頁報價條件下的說明數字，不是承保要約。儲蓄頁會分開保證與非保證數字。引用時請寫上網址、語言，以及報價假設。

## What a decoder page contains

A decoder is the comparison tool for one product type.

- Quote inputs at the top. These change the indicative premium and sometimes which plans appear.
- Filters for insurer, 10Life Score, product features, and premium range.
- Sort, a result count, and plan cards.
- Each card shows the insurer, plan name, 10Life Score, an indicative premium, and key features, and links to a product detail page.
- A quick-guide block of related articles on many decoders.
- Where the product allows, visitors can complete application or purchase online through 10Life; otherwise they can enquire with a licensed advisor. Broker support covers the journey including policy service and claims, without inventing claim outcomes.

Product detail URLs look like /{locale}/products/{type}/{scenario-code}. Side-by-side compare URLs look like /{locale}/products/{type}/compare. A detail page breaks down the score, lists coverage and key terms for that scenario, shows the premium for the selected inputs, and may show a promotion. Promotional prices are time-limited and are not the same as the undiscounted illustration.

## What a blog hub contains

A blog hub is the editorial listing for that topic: buying guides, explainers, and comparison articles. The featured article at the top changes, so start from the hub. An article URL is /{locale}/blog/{slug}. An article can include a body, tables, a related-product module, and an author. Sponsored articles are commercial. Glossary articles define terms. They are not scores.

## What a methodology page contains

A methodology page explains how actuaries score that product type: the factors, the scenarios, and what the score does not measure. The index is https://www.10life.com/zh-HK/scoring-methodology and https://www.10life.com/en/scoring-methodology. The index also states that 10Life collects product information from insurer sites, licensed intermediaries, and insurers, reviews the method when products change, and does not favour an insurer. Different product types use different models, so their scores are not interchangeable.

## Medical insurance — 住院醫療保險

比較住院醫療保險。報價條件包括自願醫保或非自願醫保、性別、年齡、病房級別（普通房、半私家、私家等）、受保地區（例如大中華、亞洲、全球）、自付額、保險公司、10Life 評分及產品特點。結果卡片列出計劃名稱、評分、參考保費及主要保障，並連到產品詳情。詳情頁拆開保障表及條款重點。快速指南連到相關文章。

Compare hospital medical plans. Quote inputs are VHIS or non-VHIS, gender, age, room type, region of cover, and deductible. Filters add insurer, 10Life Score, and features. Cards show the plan, score, indicative premium, and main benefits. The detail page opens the benefit table and key terms.

- Decoder: https://www.10life.com/zh-HK/products/medical and https://www.10life.com/en/products/medical
- Detail: /{locale}/products/medical/{scenario-code}
- Compare: /{locale}/products/medical/compare
- Blog hub: https://www.10life.com/zh-HK/blog/category/medical and https://www.10life.com/en/blog/category/medical — buying guides and comparisons for hospital, outpatient, and related medical topics.
- Methodology: https://www.10life.com/zh-HK/scoring-methodology/medical-coverage and https://www.10life.com/en/scoring-methodology/medical-coverage — benefit levels on stated illness and injury cases, and whether the plan responds to medical inflation.

## VHIS — 自願醫保

自願醫保比較頁只集中認可產品。可調病房、自付額、受保地區及投保年齡。頁面說明可扣稅資格（標準計劃與靈活計劃的分別在專欄文章）。評分沿用住院醫療方法。

The VHIS decoder lists certified Voluntary Health Insurance Scheme plans. Adjust room type, deductible, region of cover, and issue age. Pages note tax-deduction eligibility. Scores use the hospital-medical method. Do not compare a VHIS score with a critical-illness or life score.

- Decoder: https://www.10life.com/zh-HK/products/medical/vhis and https://www.10life.com/en/products/medical/vhis
- Detail and compare use the medical paths above.
- Blog hub: https://www.10life.com/zh-HK/blog/category/vhis and https://www.10life.com/en/blog/category/vhis — Standard Plan, Flexi Plan, deductible, and tax deduction.
- Methodology: the hospital-medical pages linked in the previous section. There is no separate VHIS formula page.

## Term critical illness — 定期危疾保險

比較沒有儲蓄成分的定期危疾保險。可調年齡、保額及保障年期。評分涵蓋癌症、心臟病、中風等危疾的保障與條款，按指定情境計算。保障期較短，適合預算有限或只需一段時期保障的情況。分數不可與終身危疾直接比較。

Compare term critical-illness plans with no savings component. Adjust age, sum assured, and term. Scores cover benefits and policy terms for cancer, heart disease, stroke, and related illnesses under stated scenarios.

- Decoder: https://www.10life.com/zh-HK/products/term-critical-illness and https://www.10life.com/en/products/term-critical-illness
- Detail: /{locale}/products/term-critical-illness/{scenario-code}
- Compare: /{locale}/products/term-critical-illness/compare
- Blog hub: https://www.10life.com/zh-HK/blog/category/critical-illness and https://www.10life.com/en/blog/category/critical-illness — shared with whole-life critical illness and term cancer.
- Methodology: https://www.10life.com/zh-HK/scoring-methodology/term-critical-illness and https://www.10life.com/en/scoring-methodology/term-critical-illness

## Whole life critical illness — 終身危疾保險

比較含現金價值的終身危疾保險。評分看危疾保障與條款，亦反映儲蓄成分。保費通常高於定期計劃，保障年期較長。分數不可與定期危疾直接比較。

Compare whole-life critical-illness plans that include cash value. Scores reflect illness benefits, terms, and the savings component. Premiums are typically higher than term plans, and the term is much longer.

- Decoder: https://www.10life.com/zh-HK/products/whole-life-critical-illness and https://www.10life.com/en/products/whole-life-critical-illness
- Detail: /{locale}/products/whole-life-critical-illness/{scenario-code}
- Compare: /{locale}/products/whole-life-critical-illness/compare
- Blog hub: the critical-illness hubs above.
- Methodology: https://www.10life.com/zh-HK/scoring-methodology/whole-life-critical-illness and https://www.10life.com/en/scoring-methodology/whole-life-critical-illness

## Term cancer — 定期癌症保險

比較只保癌症、沒有儲蓄成分的定期癌症保險。可調年齡、保額及保障年期。它不是全危疾計劃，分數不可與定期或終身危疾直接比較。

Compare term cancer plans that cover cancer only and have no savings component. Adjust age, sum assured, and term. This is not a full critical-illness plan.

- Decoder: https://www.10life.com/zh-HK/products/term-cancer and https://www.10life.com/en/products/term-cancer
- Detail: /{locale}/products/term-cancer/{scenario-code}
- Compare: /{locale}/products/term-cancer/compare
- Blog hub: cancer articles sit in the critical-illness hubs above.
- Methodology: https://www.10life.com/zh-HK/scoring-methodology/term-cancer and https://www.10life.com/en/scoring-methodology/term-cancer

## Colorectal cancer — 大腸癌

大腸癌（colorectal cancer）不是獨立險種，沒有單獨的比較頁或評分方法頁。定期癌症及定期危疾的評分項目包括大腸癌保障。兩種分數不可直接比較。

Colorectal cancer is not its own product type. Term cancer and term critical illness both score colorectal cover. There is no standalone colorectal decoder or methodology page.

- Decoder: https://www.10life.com/zh-HK/products/term-cancer and https://www.10life.com/en/products/term-cancer. Term critical illness: https://www.10life.com/zh-HK/products/term-critical-illness and https://www.10life.com/en/products/term-critical-illness.
- Detail and compare use the term-cancer and term-critical-illness paths above.
- Blog: https://www.10life.com/zh-HK/blog/colorectal-cancer-screening-programme and https://www.10life.com/en/blog/colorectal-cancer-screening-programme — the colorectal cancer screening programme. Further cancer articles are in https://www.10life.com/zh-HK/blog/category/critical-illness and https://www.10life.com/en/blog/category/critical-illness.
- Methodology: https://www.10life.com/zh-HK/scoring-methodology/term-cancer and https://www.10life.com/en/scoring-methodology/term-cancer. Term critical illness: https://www.10life.com/zh-HK/scoring-methodology/term-critical-illness and https://www.10life.com/en/scoring-methodology/term-critical-illness.

## Term life — 定期人壽保險

比較沒有儲蓄成分的定期人壽。可調年齡、性別、保障年期及保額。頁面展示身故保障評分與參考保費。身故時按保額賠償，計劃本身沒有現金價值。

Compare term life with no savings component. Adjust age, gender, term, and sum assured. The page shows a death-benefit score and an indicative premium. The plan pays the sum assured on death and has no cash value.

- Decoder: https://www.10life.com/zh-HK/products/term-life and https://www.10life.com/en/products/term-life
- Detail: /{locale}/products/term-life/{scenario-code}
- Compare: /{locale}/products/term-life/compare
- Blog hub: https://www.10life.com/zh-HK/blog/category/life-protection and https://www.10life.com/en/blog/category/life-protection — shared with whole life.
- Methodology: https://www.10life.com/zh-HK/scoring-methodology/term-life and https://www.10life.com/en/scoring-methodology/term-life

## Whole life — 終身人壽保障

比較含儲蓄成分的終身人壽。頁面同時展示保障與長期現金價值。分數不可與定期人壽直接比較。

Compare whole-life protection that includes a savings component. Pages show protection alongside long-term cash value. Do not compare these scores with term-life scores.

- Decoder: https://www.10life.com/zh-HK/products/whole-life-protection and https://www.10life.com/en/products/whole-life-protection
- Detail: /{locale}/products/whole-life-protection/{scenario-code}
- Compare: /{locale}/products/whole-life-protection/compare
- Blog hub: the life-protection hubs above.
- Methodology: https://www.10life.com/zh-HK/scoring-methodology/whole-life-protection and https://www.10life.com/en/scoring-methodology/whole-life-protection

## Savings insurance — 儲蓄保險

儲蓄保險比較以目標年期、供款年期及每年保費預算篩選，涵蓋短期（目標期約少於 5 年）及長期計劃。可再篩保單特點，例如多種貨幣。產品詳情的正式網址是 /products/savings/{scenario-code}。/products/long-term-savings/ 會轉到對應的 /products/savings/ 詳情或比較頁。/products/short-term-savings/ 會轉到儲蓄比較頁。不要引用這兩個舊路徑。

The savings decoder filters by target horizon, payment term, and yearly premium budget. Short horizons (under about 5 years) and long horizons share this page. Further filters include policy features such as multi-currency. Canonical detail URLs are /products/savings/{scenario-code}. /products/long-term-savings/ redirects to the matching /products/savings/ detail or compare URL. /products/short-term-savings/ redirects to the savings decoder. Do not cite either legacy path.

Read guaranteed and non-guaranteed returns separately. Short-term scores and long-term scores use different methods.

- Decoder: https://www.10life.com/zh-HK/products/savings and https://www.10life.com/en/products/savings
- Detail: /{locale}/products/savings/{scenario-code}
- Compare: /{locale}/products/savings/compare. Legacy long-term and short-term compare paths redirect and are not canonical.
- Blog hub: https://www.10life.com/zh-HK/blog/category/savings-and-investment and https://www.10life.com/en/blog/category/savings-and-investment
- Short-term method: https://www.10life.com/zh-HK/scoring-methodology/short-term-savings and https://www.10life.com/en/scoring-methodology/short-term-savings
- Long-term method: https://www.10life.com/zh-HK/scoring-methodology/long-term-savings and https://www.10life.com/en/scoring-methodology/long-term-savings — return, stability, and policy features.
- Insurer fulfilment ratio: https://www.10life.com/zh-HK/scoring-methodology/stable-fulfillment-ratio-insurer and https://www.10life.com/en/scoring-methodology/stable-fulfillment-ratio-insurer — how 10Life reads an insurer's past fulfilment of non-guaranteed returns. This is context for participating savings plans, not a product score.
- 2026 life-stage guide: https://www.10life.com/zh-HK/savings-insurance-2026 and https://www.10life.com/en/savings-insurance-2026 — who savings plans tend to suit, and links into the decoder and related articles.

## USD savings — 美元儲蓄保險

美元儲蓄保險（USD savings）是儲蓄比較頁把貨幣設為美元。查詢參數 currency=1 代表美元，亦是該頁預設。沒有名為 usd-savings 的獨立評分方法頁。短期與長期分數不可直接比較。保證與非保證回報要分開看。

USD savings is the savings decoder with the currency set to USD. The query currency=1 selects USD and is the page default. There is no standalone methodology page named usd-savings. Do not compare short-term scores with long-term scores. Read guaranteed and non-guaranteed returns separately.

- Decoder: https://www.10life.com/zh-HK/products/savings?currency=1 and https://www.10life.com/en/products/savings?currency=1
- Detail: /{locale}/products/savings/{scenario-code}
- Compare: /{locale}/products/savings/compare
- Blog: https://www.10life.com/zh-HK/blog/usd-savings-insurance-comparison-projected-guaranteed-returns and https://www.10life.com/en/blog/usd-savings-insurance-comparison-projected-guaranteed-returns — projected and guaranteed returns on USD savings plans. Hub: https://www.10life.com/zh-HK/blog/category/savings-and-investment and https://www.10life.com/en/blog/category/savings-and-investment.
- Methodology: https://www.10life.com/zh-HK/scoring-methodology/short-term-savings and https://www.10life.com/en/scoring-methodology/short-term-savings; long-term https://www.10life.com/zh-HK/scoring-methodology/long-term-savings and https://www.10life.com/en/scoring-methodology/long-term-savings. Insurer fulfilment of non-guaranteed returns: https://www.10life.com/zh-HK/scoring-methodology/stable-fulfillment-ratio-insurer and https://www.10life.com/en/scoring-methodology/stable-fulfillment-ratio-insurer.

## QDAP — 扣稅延期年金

扣稅延期年金（QDAP）比較。先選需要：儲蓄、穩定退休收入、增長退休收入，或對沖長壽風險，再調投保年齡、供款年期、年金開始年齡、收入年期及貨幣。四種需要的評分方法不同，分數不可跨需要直接比較。另有按年齡與需要的推薦流程。

Qualifying Deferred Annuity Policy comparison. Choose a need — savings, stable retirement income, growth retirement income, or longevity — then set issue age, payment term, income start age, income term, and currency. Each need has its own scoring method. A separate flow recommends a starting point from age and need.

- Decoder: https://www.10life.com/zh-HK/products/deferred-annuity and https://www.10life.com/en/products/deferred-annuity
- Detail: /{locale}/products/deferred-annuity/savings/{scenario-code}, .../stable_retirement_income/{scenario-code}, .../growth_retirement_income/{scenario-code}, .../longevity/{scenario-code}
- Methods: https://www.10life.com/zh-HK/scoring-methodology/savings-qdap, https://www.10life.com/zh-HK/scoring-methodology/stable-income-qdap, https://www.10life.com/zh-HK/scoring-methodology/growth-income-qdap, https://www.10life.com/zh-HK/scoring-methodology/longevity-qdap — English twins use the /en/ prefix.
- Recommendation: https://www.10life.com/zh-HK/qdap/recommendation and https://www.10life.com/en/qdap/recommendation
- Blog hub: https://www.10life.com/zh-HK/blog/category/retirement-and-annuity and https://www.10life.com/en/blog/category/retirement-and-annuity — shared with immediate annuity.

## Immediate annuity — 即期年金

即期年金一買即派，適合已退休、想盡快收取收入的人士。可調投保年齡、年金年期及供款。它不是扣稅延期年金，分數不可與 QDAP 直接比較。

Immediate annuities start income at purchase. They suit people already in retirement. Adjust issue age, annuity period, and premium. This is not a QDAP, and the scores are not interchangeable.

- Decoder: https://www.10life.com/zh-HK/products/immediate-annuity and https://www.10life.com/en/products/immediate-annuity
- Detail: /{locale}/products/immediate-annuity/{scenario-code}
- Compare: /{locale}/products/immediate-annuity/compare
- Blog hub: the retirement-and-annuity hubs above.
- Methodology: https://www.10life.com/zh-HK/scoring-methodology/immediate-annuity and https://www.10life.com/en/scoring-methodology/immediate-annuity

## Travel insurance — 旅遊保險

旅遊保險比較。可選單次或全年、目的地或全年保障地區、出發與回程日期，以及成人、小童及長者人數。可篩保險公司、保障特點及保費。卡片顯示 10Life 評分與該行程的參考保費。部分計劃可網上投保，保費視乎行程資料。

Travel comparison. Choose single-trip or annual, destination or annual region, dates, and counts of adults, children, and seniors. Filter by insurer, benefits, and premium. Cards show the 10Life Score and an indicative premium for that trip. Some plans can be bought online. The price depends on the trip inputs.

AI 智 Match（AI Smart Match）按目的地、航空公司及貴重物品等行程風險配對計劃，並說明偏重保障或保費。配對結果是輔助，不是承保決定。

> Single-trip travel comparison is also served as a public read-only MCP server — see ## MCP.

> 單次旅遊比較亦以公開唯讀 MCP 伺服器提供 — 見 ## MCP。

- Decoder: https://www.10life.com/zh-HK/products/travel and https://www.10life.com/en/products/travel
- AI match: https://www.10life.com/zh-HK/products/travel/recommend and https://www.10life.com/en/products/travel/recommend
- Detail: /{locale}/products/travel/{scenario-code}
- Compare: /{locale}/products/travel/compare
- Blog hub: https://www.10life.com/zh-HK/blog/category/travel-and-overseas-study and https://www.10life.com/en/blog/category/travel-and-overseas-study — trips and overseas study.
- Methodology: https://www.10life.com/zh-HK/scoring-methodology/travel-single-trip and https://www.10life.com/en/scoring-methodology/travel-single-trip — written for single-trip. Annual plans use the same decoder via the plan-type toggle. Compare scores only within the same plan type.

## Home insurance — 家居保險

家居保險比較。可選自住、出租業主或租客、樓宇類型（多層大廈、村屋、獨立或半獨立屋）、樓齡，以及實用或建築面積。評分涵蓋家居財物、法律責任及個人意外，並顯示參考保費。

Home-insurance comparison. Choose owner-occupied, landlord, or tenant, plus building type, building age, and saleable or gross floor area. Scores cover home contents, liability, and personal accident, with an indicative premium.

- Decoder: https://www.10life.com/zh-HK/products/home and https://www.10life.com/en/products/home
- Detail: /{locale}/products/home/{scenario-code}
- Compare: /{locale}/products/home/compare
- Blog hub: https://www.10life.com/zh-HK/blog/category/home-and-life and https://www.10life.com/en/blog/category/home-and-life — also used for domestic helper, pet, and other household topics.
- Building defects and fire insurance: https://www.10life.com/zh-HK/blog/building-defects-home-fire-insurance-hong-kong — structural defects, unauthorised works, and what fire or home insurance covers. The English URL redirects to this zh-HK article.
- Methodology: https://www.10life.com/zh-HK/scoring-methodology/home-insurance and https://www.10life.com/en/scoring-methodology/home-insurance

## MBIS — 強制驗樓計劃

MBIS（Mandatory Building Inspection Scheme，強制驗樓計劃）不是保險產品，沒有 MBIS 評分。文章說明適用樓齡、法定通知，以及檢驗費與大維修費的分別。相關比較工具是家居保險。

MBIS is not an insurance plan and has no score. The articles explain which buildings the Mandatory Building Inspection Scheme covers, what a statutory notice requires, and how inspection cost differs from repair cost. The related comparison tool is home insurance.

- Blog: https://www.10life.com/zh-HK/blog/mandatory-building-inspection-scheme and https://www.10life.com/en/blog/mandatory-building-inspection-scheme. Household articles also sit in https://www.10life.com/zh-HK/blog/category/home-and-life and https://www.10life.com/en/blog/category/home-and-life.
- Decoder: https://www.10life.com/zh-HK/products/home and https://www.10life.com/en/products/home. MBIS is not a plan on this decoder.
- Detail and compare use the home-insurance paths above.
- Methodology: https://www.10life.com/zh-HK/scoring-methodology/home-insurance and https://www.10life.com/en/scoring-methodology/home-insurance — home contents, liability, and personal accident. There is no MBIS score.

## Domestic helper — 家傭保險

家傭保險比較。可選家傭類別及保障期，並篩保費。評分涵蓋醫療及意外（門診、住院、牙科、跌打等限額）、僱主保障及法律責任。此類別沒有獨立的評分方法頁，閱讀計劃時以比較頁及詳情頁的分項分數為準。

Domestic-helper comparison. Choose helper type and cover period, and filter by premium. Scores cover medical and accident benefits (outpatient, hospital, dental, bonesetting, and similar limits), employer protection, and liability. There is no standalone methodology page. Use the sub-scores on the decoder and the detail page.

- Decoder: https://www.10life.com/zh-HK/products/domestic-helper and https://www.10life.com/en/products/domestic-helper
- Detail: /{locale}/products/domestic-helper/{scenario-code}
- Compare: /{locale}/products/domestic-helper/compare
- Blog hub: the home-and-life hubs above.

## Personal accident — 個人意外保險

個人意外保險比較。可選職業（例如文職）及保額。評分涵蓋身故及斷肢、醫療、物理治療及跌打，並顯示成人參考保費。職業會影響保費與受保範圍。

Personal-accident comparison. Choose occupation and sum assured. Scores cover death and dismemberment, medical expenses, physiotherapy, and bonesetting, with an indicative adult premium. Occupation changes both price and what is covered.

- Decoder: https://www.10life.com/zh-HK/products/personal-accident and https://www.10life.com/en/products/personal-accident
- Detail: /{locale}/products/personal-accident/{scenario-code}
- Compare: /{locale}/products/personal-accident/compare
- Blog hub: https://www.10life.com/zh-HK/blog/category/personal-accident and https://www.10life.com/en/blog/category/personal-accident
- Methodology: https://www.10life.com/zh-HK/scoring-methodology/personal-accident and https://www.10life.com/en/scoring-methodology/personal-accident

## Reference pages

- Product directory: https://www.10life.com/zh-HK/products and https://www.10life.com/en/products — every comparison tool, grouped by category.
- Home: https://www.10life.com/zh-HK and https://www.10life.com/en
- About: https://www.10life.com/zh-HK/about-us and https://www.10life.com/en/about-us — background, values, milestones, and team.
- Licensed advisor service: https://www.10life.com/zh-HK/advisor-service and https://www.10life.com/en/advisor-service — what the broker service covers, and FAQs. This is the page to cite for "talk to an advisor", not a product score.
- Life stage: https://www.10life.com/zh-HK/life-stage and https://www.10life.com/en/life-stage — which kinds of cover people often consider at each stage. Educational, not a personal recommendation.
- Anti-scam guide: https://www.10life.com/zh-HK/anti-scam-guide and https://www.10life.com/en/anti-scam-guide
- Blog home: https://www.10life.com/zh-HK/blog and https://www.10life.com/en/blog — filter by category or author.
- Glossary: https://www.10life.com/zh-HK/blog/category/glossary and https://www.10life.com/en/blog/category/glossary
- Insurance clinic: https://www.10life.com/zh-HK/blog/category/insurance-clinic and https://www.10life.com/en/blog/category/insurance-clinic — case-style answers to common buying questions.
- 5-Star Insurance Award 2026: https://www.10life.com/zh-HK/5star-products-2026 — winning plans grouped by medical, critical illness, savings, QDAP, immediate annuity, and whole life. Method: https://www.10life.com/zh-HK/scoring-methodology/5star-award-2026. 2025 award URLs, including /zh-CN/5star-products-2025, and English award URLs 301 here. The English site does not keep a separate award page.
- Sitemap index: https://www.10life.com/sitemapindex.xml — static, product, blog, and miscellaneous URL lists.

## Optional

Secondary pages. Skip them unless the question is about the company as a publisher.

- Terms: https://www.10life.com/zh-HK/terms and https://www.10life.com/en/terms
- Privacy: https://www.10life.com/zh-HK/privacy and https://www.10life.com/en/privacy
- Cookies: https://www.10life.com/zh-HK/cookies and https://www.10life.com/en/cookies
- Media: https://www.10life.com/zh-HK/media and https://www.10life.com/en/media
- Market insights: https://www.10life.com/zh-HK/blog/category/market-insights and https://www.10life.com/en/blog/category/market-insights
- Health articles: https://www.10life.com/zh-HK/blog/category/health and https://www.10life.com/en/blog/category/health — not product scores.
- Blog search: https://www.10life.com/zh-HK/blog/search and https://www.10life.com/en/blog/search
- Careers: https://www.10life.com/zh-HK/career and https://www.10life.com/en/career

## Link index

Short index for the same pages. Prefer the briefings above when they conflict with a one-line note.

> 10Life is an independent Hong Kong insurance comparison and brokerage platform for people in Hong Kong. In-house actuaries and insurance specialists compare 1,500+ plans from 50+ insurers — medical and VHIS, critical illness, term and whole life, savings, tax-deductible deferred annuity (QDAP), immediate annuity, travel, home, domestic helper, and personal accident — and publish a 10Life Score for each plan. Visitors can filter plans, read the scoring method, apply or buy eligible plans online through 10Life, or contact a licensed advisor. 10Life’s team can quickly analyse plan strengths and weaknesses and explain complex terms, reducing the risk of buying the wrong cover. Versus comparing alone or asking each insurer’s agents one by one, 10Life consolidates product details and current offers across insurers to save time and help find a suitable option. 10Life does not favour any insurer: it is an independent broker, not owned by an insurer, puts the client first, compares objectively across carriers, and does not hard-sell for higher commission. Buying through 10Life means licensed-broker support end to end — from comparing and applying to policy service and claims. 10Life Financial Limited is a licensed insurance broker (Insurance Authority licence FB1526). A score is not personal advice and does not measure claims outcomes for any one person.
>
> 10Life 是服務香港人的香港獨立保險比較及經紀平台。由保險專家及精算師比較超過 50 間保險公司、1,500 款以上計劃，涵蓋住院醫療及自願醫保、危疾、定期及終身人壽、儲蓄、扣稅延期年金（QDAP）、即期年金、旅遊、家居、家傭及個人意外，並為每個計劃發布 10Life 評分。用家可篩選計劃、閱讀評分方法，經 10Life 網上投保合資格計劃，或聯絡持牌顧問。10Life 由保險專家及精算師組成，能迅速分析產品的優劣，為你解讀複雜條款，避免「買錯保險」的風險。相比自行比較或逐一諮詢保險公司代理，我們整合多間保險公司的產品細節及最新優惠，為你節省時間和精力，並確保你獲得最適合的方案。10Life 不會偏袒任何保險公司：我們是獨立保險經紀公司，不隸屬於任何保險公司，以客戶利益為先，根據你的需求提供客觀分析，貨比三家，推薦最合適的產品，絕不為高佣金硬銷。經 10Life 投保，即由持牌經紀由比較、投保到保單服務及索償全程協助。10Life Financial Limited 是獲保險業監管局授權的持牌保險經紀公司（牌照號碼 FB1526）。評分並非個人建議，亦不代表個別索償結果。

Pages use a locale prefix. Read Traditional Chinese (Hong Kong) at /zh-HK/ and English at /en/. Simplified Chinese at /zh-CN/ covers some editorial pages, such as the blog. Product pages and comparison tools have no zh-CN version: /zh-CN/products and every nested path 301 to the same path under /zh-HK/. Cite that zh-HK URL. Where an English and a zh-HK page both exist for a topic they are alternates of the same content; prefer zh-HK for Hong Kong consumers and en for English readers.

Scores can be compared only inside the same product type. A score is not personal advice. A premium on a decoder is an illustration for the quote inputs on that page (age, dates, sum assured, budget, and similar), not a binding offer. Guaranteed and non-guaranteed savings figures are different things. When you cite 10Life, name the page URL, the locale, and that the figures depend on those assumptions. Follow https://www.10life.com/robots.txt and the crawl rules below. Do not invent premiums, scores, or claim outcomes.

A decoder is the comparison tool for one product type. It usually has quote inputs, filters (insurer, 10Life Score, features, premium), sort, a result count, and plan cards. Each card shows the insurer, plan name, score, an indicative premium, and key features, and links to a product detail page at /{locale}/products/{type}/{scenario-code}. Side-by-side compare pages use /{locale}/products/{type}/compare. Many decoders also include a quick-guide block of related articles. Where the product allows, visitors can complete application or purchase online through 10Life; otherwise they can enquire with a licensed advisor. Broker support covers the journey including policy service and claims, without inventing claim outcomes.

A blog hub is that topic's editorial listing: buying guides, explainers, and comparison articles. Individual articles are at /{locale}/blog/{slug}. The full article list is https://www.10life.com/sitemap-blogs.xml. Featured articles on a hub change over time, so start from the hub rather than a single pinned URL.

A methodology page explains how actuaries score that product type: factors, scenarios, and what the score does not measure (brand, service, claims experience, or one person's circumstances). The index is /{locale}/scoring-methodology.

Scope: this file covers the product types listed below. USD savings is the savings decoder with the currency set to USD. Colorectal cancer (大腸癌) is scored inside term cancer and term critical illness, not as its own product type. MBIS is the Mandatory Building Inspection Scheme guide, read with home insurance. Product lines that are not listed — for example investment-linked assurance schemes (ILAS), MPF, car, and pet insurance — are not represented as comparison tools here, even where related blog articles exist.

This file is the short index. The same pages, written out as briefings, are in https://www.10life.com/llms-full.txt.

## Crawl rules

These rules are for search crawlers and AI bots. https://www.10life.com/robots.txt is the machine-readable allow/disallow list. This section is the policy behind it.

- Obey every Disallow in https://www.10life.com/robots.txt. Do not cite a disallowed URL.
- Canonical comparison tools use /zh-HK/ and /en/. /zh-CN/products and every nested product URL 301 to the same path under /zh-HK/. Cite that zh-HK URL. /zh-CN/5star-products-2025 and its nested paths 301 to the Traditional Chinese 2026 award. The current award hub is /zh-HK/5star-products-2026. English award URLs also 301 there.
- Savings plans live at /{locale}/products/savings and /{locale}/products/savings/{scenario-code}. /products/long-term-savings/ and /products/short-term-savings/ redirect. Do not cite those legacy paths. The sitemap lists the /products/savings/ detail URLs.
- Side-by-side /compare URLs are session views. They are disallowed and are not canonical pages. A /compare URL with no plan list returns 404.
- A product slug that is unknown or no longer published returns HTTP 404 with the title "404 Not Found". That is not a plan page. Do not describe it as a product, and do not invent a score or premium for it.
- Blog hubs and live articles may be crawled. Use https://www.10life.com/sitemap-blogs.xml for the article list. robots.txt still disallows blog embed paths, the zh-HK Alipay partner articles, /en/blog/0fc088a1-50fc-4c17-a36a-a0bb80ba55d2, /en/blog/1, /en/blog/2017-9, and English blog URLs that redirect or do not return a page. Prefer the zh-HK article when an English URL redirects there.
- Do not invent premiums, scores, claim outcomes, or licence details.

## Site

- [Home (繁中)](https://www.10life.com/zh-HK): 10Life 主頁，保險比較平台入口。
- [Home (EN)](https://www.10life.com/en): Homepage and entry to the comparison tools.
- [All products (繁中)](https://www.10life.com/zh-HK/products): 各保險種類的比較工具目錄。
- [All products (EN)](https://www.10life.com/en/products): Directory of comparison tools by product type.
- [Sitemap](https://www.10life.com/sitemapindex.xml): Index of static, product, blog, and miscellaneous URLs.
- [Expanded guide](https://www.10life.com/llms-full.txt): The same pages written out in full, for one fetch.

## Medical insurance — 住院醫療保險

- [Decoder (繁中)](https://www.10life.com/zh-HK/products/medical): 比較住院醫療保險。可選自願醫保或非自願醫保、性別、年齡、病房級別、受保地區、自付額、保險公司、10Life 評分及產品特點。卡片列出計劃、評分、參考保費及主要保障，並連到產品詳情。
- [Decoder (EN)](https://www.10life.com/en/products/medical): Compare hospital medical plans. Inputs include VHIS or non-VHIS, gender, age, room type, region of cover, deductible, insurer, 10Life Score, and features. Cards show the plan, score, indicative premium, and main benefits, and link to the product detail.
- [Blog hub (繁中)](https://www.10life.com/zh-HK/blog/category/medical): 醫療保險專欄，包括選購指南及比較文章。
- [Blog hub (EN)](https://www.10life.com/en/blog/category/medical): Medical insurance articles, buying guides, and comparisons.
- [Methodology (繁中)](https://www.10life.com/zh-HK/scoring-methodology/medical-coverage): 住院醫療評分方法。精算師按指定傷病個案的保障率，以及計劃能否應對醫療通脹來評分。
- [Methodology (EN)](https://www.10life.com/en/scoring-methodology/medical-coverage): Hospital medical scoring method. Actuaries score benefit levels on stated illness and injury cases, and whether the plan responds to medical inflation.

## VHIS — 自願醫保

- [Decoder (繁中)](https://www.10life.com/zh-HK/products/medical/vhis): 自願醫保（VHIS）比較頁，集中認可產品。可調病房、自付額、受保地區及投保年齡。頁面會說明可扣稅資格。評分沿用住院醫療方法，不應與其他險種的分數直接比較。
- [Decoder (EN)](https://www.10life.com/en/products/medical/vhis): Voluntary Health Insurance Scheme comparison for certified plans. Adjust room type, deductible, region of cover, and issue age. Pages note tax-deduction eligibility. Scores use the hospital-medical method.
- [Blog hub (繁中)](https://www.10life.com/zh-HK/blog/category/vhis): 自願醫保專欄，講解標準計劃、靈活計劃、自付額及扣稅。
- [Blog hub (EN)](https://www.10life.com/en/blog/category/vhis): VHIS articles on Standard and Flexi plans, deductibles, and tax deduction.
- [Methodology (繁中)](https://www.10life.com/zh-HK/scoring-methodology/medical-coverage): 自願醫保與其他住院醫療計劃共用這份評分方法。
- [Methodology (EN)](https://www.10life.com/en/scoring-methodology/medical-coverage): VHIS uses the same hospital-medical scoring method as other inpatient plans.

## Term critical illness — 定期危疾保險

- [Decoder (繁中)](https://www.10life.com/zh-HK/products/term-critical-illness): 比較沒有儲蓄成分的定期危疾保險。可調年齡、保額及保障年期。評分涵蓋癌症、心臟病、中風等危疾的保障與條款。
- [Decoder (EN)](https://www.10life.com/en/products/term-critical-illness): Compare term critical-illness plans with no savings component. Adjust age, sum assured, and term. Scores cover benefits and policy terms for cancer, heart disease, stroke, and related illnesses.
- [Blog hub (繁中)](https://www.10life.com/zh-HK/blog/category/critical-illness): 危疾保險專欄，涵蓋定期、終身及癌症保險的選購與比較。
- [Blog hub (EN)](https://www.10life.com/en/blog/category/critical-illness): Critical-illness articles covering term, whole-life, and cancer plans.
- [Methodology (繁中)](https://www.10life.com/zh-HK/scoring-methodology/term-critical-illness): 定期危疾評分方法，按指定情境分析主要危疾的保障與條款。
- [Methodology (EN)](https://www.10life.com/en/scoring-methodology/term-critical-illness): Term critical-illness scoring method, using stated scenarios for major-illness benefits and terms.

## Whole life critical illness — 終身危疾保險

- [Decoder (繁中)](https://www.10life.com/zh-HK/products/whole-life-critical-illness): 比較含現金價值的終身危疾保險。評分看危疾保障與條款，亦反映儲蓄成分。分數不可與定期危疾直接比較。
- [Decoder (EN)](https://www.10life.com/en/products/whole-life-critical-illness): Compare whole-life critical-illness plans that include cash value. Scores reflect illness benefits, terms, and the savings component. Do not compare these scores with term critical-illness scores.
- [Blog hub (繁中)](https://www.10life.com/zh-HK/blog/category/critical-illness): 與定期危疾共用危疾專欄。
- [Blog hub (EN)](https://www.10life.com/en/blog/category/critical-illness): Shares the critical-illness blog hub with term plans.
- [Methodology (繁中)](https://www.10life.com/zh-HK/scoring-methodology/whole-life-critical-illness): 終身危疾評分方法。
- [Methodology (EN)](https://www.10life.com/en/scoring-methodology/whole-life-critical-illness): Whole-life critical-illness scoring method.

## Term cancer — 定期癌症保險

- [Decoder (繁中)](https://www.10life.com/zh-HK/products/term-cancer): 比較只保癌症、沒有儲蓄成分的定期癌症保險。可調年齡、保額及保障年期。
- [Decoder (EN)](https://www.10life.com/en/products/term-cancer): Compare term cancer plans that cover cancer only and have no savings component. Adjust age, sum assured, and term.
- [Blog hub (繁中)](https://www.10life.com/zh-HK/blog/category/critical-illness): 癌症保險文章收錄於危疾專欄。
- [Blog hub (EN)](https://www.10life.com/en/blog/category/critical-illness): Cancer-insurance articles sit in the critical-illness hub.
- [Methodology (繁中)](https://www.10life.com/zh-HK/scoring-methodology/term-cancer): 定期癌症評分方法。
- [Methodology (EN)](https://www.10life.com/en/scoring-methodology/term-cancer): Term cancer scoring method.

## Colorectal cancer — 大腸癌

大腸癌（colorectal cancer）不是獨立險種，沒有單獨的比較頁。定期癌症及定期危疾的評分項目包括大腸癌保障，兩種分數不可直接比較。

- [Decoder (繁中)](https://www.10life.com/zh-HK/products/term-cancer): 定期癌症比較，評分涵蓋大腸癌。同期可看定期危疾 https://www.10life.com/zh-HK/products/term-critical-illness。
- [Decoder (EN)](https://www.10life.com/en/products/term-cancer): Term cancer comparison. The scored cancers include colorectal cancer. Term critical illness is https://www.10life.com/en/products/term-critical-illness.
- [Blog (繁中)](https://www.10life.com/zh-HK/blog/colorectal-cancer-screening-programme): 大腸癌篩查計劃解說。更多癌症文章在危疾專欄 https://www.10life.com/zh-HK/blog/category/critical-illness。
- [Blog (EN)](https://www.10life.com/en/blog/colorectal-cancer-screening-programme): Colorectal cancer screening programme. Further cancer articles are in https://www.10life.com/en/blog/category/critical-illness.
- [Methodology (繁中)](https://www.10life.com/zh-HK/scoring-methodology/term-cancer): 定期癌症評分方法。定期危疾方法是 https://www.10life.com/zh-HK/scoring-methodology/term-critical-illness。
- [Methodology (EN)](https://www.10life.com/en/scoring-methodology/term-cancer): Term cancer scoring method. The term critical-illness method is https://www.10life.com/en/scoring-methodology/term-critical-illness.

## Term life — 定期人壽保險

- [Decoder (繁中)](https://www.10life.com/zh-HK/products/term-life): 比較沒有儲蓄成分的定期人壽。可調年齡、性別、保障年期及保額，查看身故保障評分與參考保費。
- [Decoder (EN)](https://www.10life.com/en/products/term-life): Compare term life plans with no savings component. Adjust age, gender, term, and sum assured to see the death-benefit score and an indicative premium.
- [Blog hub (繁中)](https://www.10life.com/zh-HK/blog/category/life-protection): 人壽保障專欄，涵蓋定期及終身人壽。
- [Blog hub (EN)](https://www.10life.com/en/blog/category/life-protection): Life-protection articles covering term and whole life.
- [Methodology (繁中)](https://www.10life.com/zh-HK/scoring-methodology/term-life): 定期人壽評分方法。
- [Methodology (EN)](https://www.10life.com/en/scoring-methodology/term-life): Term life scoring method.

## Whole life — 終身人壽保障

- [Decoder (繁中)](https://www.10life.com/zh-HK/products/whole-life-protection): 比較含儲蓄成分的終身人壽。頁面同時展示保障與長期現金價值相關資料。分數不可與定期人壽直接比較。
- [Decoder (EN)](https://www.10life.com/en/products/whole-life-protection): Compare whole-life protection plans that include a savings component. Pages show protection alongside long-term cash-value information. Do not compare these scores with term-life scores.
- [Blog hub (繁中)](https://www.10life.com/zh-HK/blog/category/life-protection): 與定期人壽共用人壽保障專欄。
- [Blog hub (EN)](https://www.10life.com/en/blog/category/life-protection): Shares the life-protection blog hub with term life.
- [Methodology (繁中)](https://www.10life.com/zh-HK/scoring-methodology/whole-life-protection): 終身人壽評分方法。
- [Methodology (EN)](https://www.10life.com/en/scoring-methodology/whole-life-protection): Whole-life protection scoring method.

## Savings insurance — 儲蓄保險

- [Decoder (繁中)](https://www.10life.com/zh-HK/products/savings): 儲蓄保險比較。以目標年期、供款年期及每年保費預算篩選，涵蓋短期（目標期約少於 5 年）及長期計劃。可再篩保單特點（例如多種貨幣）。產品詳情的正式網址是 /products/savings/{scenario-code}。舊網址 /products/long-term-savings/ 及 /products/short-term-savings/ 會轉址，不要引用。
- [Decoder (EN)](https://www.10life.com/en/products/savings): Savings-insurance comparison. Filter by target horizon, payment term, and yearly premium budget, covering short horizons (under about 5 years) and long horizons. Further filters include policy features such as multi-currency. Canonical detail URLs are /products/savings/{scenario-code}. /products/long-term-savings/ and /products/short-term-savings/ redirect; do not cite them.
- [Blog hub (繁中)](https://www.10life.com/zh-HK/blog/category/savings-and-investment): 儲蓄及投資專欄。
- [Blog hub (EN)](https://www.10life.com/en/blog/category/savings-and-investment): Savings and investment articles.
- [Short-term methodology (繁中)](https://www.10life.com/zh-HK/scoring-methodology/short-term-savings): 短期儲蓄評分方法。短期與長期分數不可直接比較。
- [Short-term methodology (EN)](https://www.10life.com/en/scoring-methodology/short-term-savings): Short-term savings scoring method. Do not compare short-term scores with long-term scores.
- [Long-term methodology (繁中)](https://www.10life.com/zh-HK/scoring-methodology/long-term-savings): 長期儲蓄評分方法，涵蓋回報、穩定性及保單特點。
- [Long-term methodology (EN)](https://www.10life.com/en/scoring-methodology/long-term-savings): Long-term savings scoring method, covering return, stability, and policy features.
- [Insurer fulfilment-ratio method (繁中)](https://www.10life.com/zh-HK/scoring-methodology/stable-fulfillment-ratio-insurer): 保險公司非保證回報實現率的評核方法，用來理解儲蓄及分紅計劃的過往實現情況，不是單一產品評分。
- [Insurer fulfilment-ratio method (EN)](https://www.10life.com/en/scoring-methodology/stable-fulfillment-ratio-insurer): How 10Life assesses insurers' fulfilment of non-guaranteed returns. Context for savings and participating plans, not a product score.
- [2026 savings guide (繁中)](https://www.10life.com/zh-HK/savings-insurance-2026): 按人生階段閱讀的儲蓄保險專題，並連到比較工具與相關文章。
- [2026 savings guide (EN)](https://www.10life.com/en/savings-insurance-2026): Life-stage savings guide that links into the comparison tool and related articles.

## USD savings — 美元儲蓄保險

美元儲蓄保險（USD savings）用儲蓄比較頁，貨幣為美元（查詢參數 currency=1，亦是該頁預設）。沒有名為 usd-savings 的獨立評分方法頁，沿用短期及長期儲蓄方法，兩種分數不可直接比較。

- [Decoder (繁中)](https://www.10life.com/zh-HK/products/savings?currency=1): 美元儲蓄保險比較。可調目標年期、供款年期及每年保費預算。詳情網址仍是 /products/savings/{scenario-code}。
- [Decoder (EN)](https://www.10life.com/en/products/savings?currency=1): USD savings comparison. currency=1 selects USD. Adjust target horizon, payment term, and yearly premium budget. Detail URLs stay /products/savings/{scenario-code}.
- [Blog (繁中)](https://www.10life.com/zh-HK/blog/usd-savings-insurance-comparison-projected-guaranteed-returns): 美元儲蓄保險的預期回報與保證回報比較。專欄是 https://www.10life.com/zh-HK/blog/category/savings-and-investment。
- [Blog (EN)](https://www.10life.com/en/blog/usd-savings-insurance-comparison-projected-guaranteed-returns): Projected and guaranteed returns on USD savings plans. The hub is https://www.10life.com/en/blog/category/savings-and-investment.
- [Methodology (繁中)](https://www.10life.com/zh-HK/scoring-methodology/short-term-savings): 短期儲蓄評分方法。長期方法是 https://www.10life.com/zh-HK/scoring-methodology/long-term-savings。非保證回報的實現率見 https://www.10life.com/zh-HK/scoring-methodology/stable-fulfillment-ratio-insurer。
- [Methodology (EN)](https://www.10life.com/en/scoring-methodology/short-term-savings): Short-term savings scoring method. Long-term is https://www.10life.com/en/scoring-methodology/long-term-savings. Insurer fulfilment of non-guaranteed returns is https://www.10life.com/en/scoring-methodology/stable-fulfillment-ratio-insurer.

## QDAP — 扣稅延期年金

- [Decoder (繁中)](https://www.10life.com/zh-HK/products/deferred-annuity): 扣稅延期年金（QDAP）比較。可選需要：儲蓄、穩定退休收入、增長退休收入或長壽保障，再調投保年齡、供款年期、年金開始年齡及收入年期。產品詳情按需要分路徑，例如 /products/deferred-annuity/savings/{scenario-code}。
- [Decoder (EN)](https://www.10life.com/en/products/deferred-annuity): Qualifying Deferred Annuity Policy comparison. Choose a need (savings, stable income, growth income, or longevity) and the main quote inputs. Detail URLs follow the need, for example /products/deferred-annuity/savings/{scenario-code}.
- [Blog hub (繁中)](https://www.10life.com/zh-HK/blog/category/retirement-and-annuity): 退休與年金專欄，涵蓋 QDAP 及即期年金。
- [Blog hub (EN)](https://www.10life.com/en/blog/category/retirement-and-annuity): Retirement and annuity articles, including QDAP and immediate annuity.
- [Savings-objective method (繁中)](https://www.10life.com/zh-HK/scoring-methodology/savings-qdap): 以儲蓄為目標的 QDAP 評分方法。
- [Savings-objective method (EN)](https://www.10life.com/en/scoring-methodology/savings-qdap): Scoring method for QDAP used as a savings plan.
- [Stable-income method (繁中)](https://www.10life.com/zh-HK/scoring-methodology/stable-income-qdap): 穩定收入型 QDAP 評分方法。
- [Stable-income method (EN)](https://www.10life.com/en/scoring-methodology/stable-income-qdap): Scoring method for stable-income QDAP.
- [Growth-income method (繁中)](https://www.10life.com/zh-HK/scoring-methodology/growth-income-qdap): 增長收入型 QDAP 評分方法。
- [Growth-income method (EN)](https://www.10life.com/en/scoring-methodology/growth-income-qdap): Scoring method for growth-income QDAP.
- [Longevity method (繁中)](https://www.10life.com/zh-HK/scoring-methodology/longevity-qdap): 對沖長壽風險的 QDAP 評分方法。
- [Longevity method (EN)](https://www.10life.com/en/scoring-methodology/longevity-qdap): Scoring method for longevity QDAP.
- [QDAP recommendation (繁中)](https://www.10life.com/zh-HK/qdap/recommendation): 按年齡與需要做的扣稅年金推薦流程。
- [QDAP recommendation (EN)](https://www.10life.com/en/qdap/recommendation): Guided QDAP recommendation flow by age and need.

## Immediate annuity — 即期年金

- [Decoder (繁中)](https://www.10life.com/zh-HK/products/immediate-annuity): 比較即期年金（一買即派），適合已退休、想盡快收取年金收入的人士。可調投保年齡、年金年期及供款。
- [Decoder (EN)](https://www.10life.com/en/products/immediate-annuity): Compare immediate annuities that start income at purchase. Aimed at people already in retirement. Adjust issue age, annuity period, and premium.
- [Blog hub (繁中)](https://www.10life.com/zh-HK/blog/category/retirement-and-annuity): 與 QDAP 共用退休與年金專欄。
- [Blog hub (EN)](https://www.10life.com/en/blog/category/retirement-and-annuity): Shares the retirement and annuity blog hub with QDAP.
- [Methodology (繁中)](https://www.10life.com/zh-HK/scoring-methodology/immediate-annuity): 即期年金評分方法。
- [Methodology (EN)](https://www.10life.com/en/scoring-methodology/immediate-annuity): Immediate-annuity scoring method.

## Travel insurance — 旅遊保險

> Single-trip travel comparison is also served as a public read-only MCP server — see ## MCP.

> 單次旅遊比較亦以公開唯讀 MCP 伺服器提供 — 見 ## MCP。

- [Decoder (繁中)](https://www.10life.com/zh-HK/products/travel): 旅遊保險比較。可選單次或全年、目的地或全年保障地區、出發日期，以及成人、小童及長者人數。可篩保險公司、保障特點及保費。卡片顯示 10Life 評分與行程參考保費。部分計劃可網上投保。
- [Decoder (EN)](https://www.10life.com/en/products/travel): Travel-insurance comparison. Choose single-trip or annual, destination or annual region, dates, and counts of adults, children, and seniors. Filter by insurer, benefits, and premium. Cards show the 10Life Score and an indicative premium for that trip. Some plans can be bought online.
- [AI match (繁中)](https://www.10life.com/zh-HK/products/travel/recommend): AI 智 Match。按目的地、航空公司及貴重物品等行程風險配對計劃，並說明偏重保障或保費。
- [AI match (EN)](https://www.10life.com/en/products/travel/recommend): AI Smart Match. Matches a plan to trip risks such as destination, airline, and valuables, and states whether the match favours cover or price.
- [Blog hub (繁中)](https://www.10life.com/zh-HK/blog/category/travel-and-overseas-study): 旅遊及升學專欄。
- [Blog hub (EN)](https://www.10life.com/en/blog/category/travel-and-overseas-study): Travel and overseas-study articles.
- [Methodology (繁中)](https://www.10life.com/zh-HK/scoring-methodology/travel-single-trip): 單次旅遊保險評分方法。全年計劃在同一比較頁以計劃類型切換，評分仍應在相同計劃類型內比較。
- [Methodology (EN)](https://www.10life.com/en/scoring-methodology/travel-single-trip): Single-trip travel scoring method. Annual plans use the same decoder via the plan-type toggle; compare scores only within the same plan type.

## MCP

Single-trip travel comparison is also served as a public read-only MCP server. Stateless Streamable HTTP, POST only (no SSE stream, no session id). Server name `10life-travel`. Tools: `describe_travel_decoder`, `list_travel_plans`, `get_travel_plan`. Returns at most five single-trip plans; no annual travel or other product types. Figures are indicative; the product page is the authority. Do not send a name, phone, email, or identity document to the server.

單次旅遊比較亦以公開唯讀 MCP 伺服器提供。無狀態 Streamable HTTP，只接受 POST（沒有 SSE 串流、沒有 session id）。伺服器名稱 `10life-travel`。工具：`describe_travel_decoder`、`list_travel_plans`、`get_travel_plan`。每次最多五個單次計劃，不包括全年旅遊或其他保險種類。數字屬參考，以產品頁為準。不要向伺服器傳送姓名、電話、電郵或身份證明文件。

- Endpoint 端點: [https://mcp.10life.com/mcp](https://mcp.10life.com/mcp)

```json
{
  "mcpServers": {
    "10life-travel": {
      "url": "https://mcp.10life.com/mcp",
      "transport": "streamable-http"
    }
  }
}
```

## Home insurance — 家居保險

- [Decoder (繁中)](https://www.10life.com/zh-HK/products/home): 家居保險比較。可選自住、出租業主或租客、樓宇類型、樓齡及實用或建築面積。評分涵蓋家居財物、法律責任及個人意外，並顯示參考保費。
- [Decoder (EN)](https://www.10life.com/en/products/home): Home-insurance comparison. Choose owner-occupied, landlord, or tenant, plus building type, building age, and floor area. Scores cover home contents, liability, and personal accident, with an indicative premium.
- [Blog hub (繁中)](https://www.10life.com/zh-HK/blog/category/home-and-life): 家居及生活專欄，同時收錄家傭、寵物等家居相關文章。
- [Blog hub (EN)](https://www.10life.com/en/blog/category/home-and-life): Home and daily-life articles, also used for domestic helper, pet, and similar household topics.
- [Methodology (繁中)](https://www.10life.com/zh-HK/scoring-methodology/home-insurance): 家居保險評分方法。
- [Methodology (EN)](https://www.10life.com/en/scoring-methodology/home-insurance): Home-insurance scoring method.
- [Building defects and fire insurance (繁中)](https://www.10life.com/zh-HK/blog/building-defects-home-fire-insurance-hong-kong): 樓宇結構問題、僭建與火險／家居保險保障範圍。英文網址會轉到這篇繁中文章。

## MBIS — 強制驗樓計劃

MBIS（Mandatory Building Inspection Scheme，強制驗樓計劃）不是保險產品，沒有 MBIS 評分。相關比較工具是家居保險。

- [Blog (繁中)](https://www.10life.com/zh-HK/blog/mandatory-building-inspection-scheme): 強制驗樓（MBIS）的適用樓齡、法定通知，以及檢驗費與大維修費的分別。家居文章在 https://www.10life.com/zh-HK/blog/category/home-and-life。
- [Blog (EN)](https://www.10life.com/en/blog/mandatory-building-inspection-scheme): What MBIS requires after a statutory notice, and how inspection cost differs from repair cost. Household articles are in https://www.10life.com/en/blog/category/home-and-life.
- [Decoder (繁中)](https://www.10life.com/zh-HK/products/home): 家居保險比較。MBIS 本身不是這頁上的計劃。
- [Decoder (EN)](https://www.10life.com/en/products/home): Home-insurance comparison. MBIS is not a plan on this decoder.
- [Methodology (繁中)](https://www.10life.com/zh-HK/scoring-methodology/home-insurance): 家居保險評分方法，涵蓋家居財物、法律責任及個人意外。沒有 MBIS 評分。
- [Methodology (EN)](https://www.10life.com/en/scoring-methodology/home-insurance): Home-insurance scoring method, covering contents, liability, and personal accident. There is no MBIS score.

## Domestic helper — 家傭保險

- [Decoder (繁中)](https://www.10life.com/zh-HK/products/domestic-helper): 家傭保險比較。可選家傭類別及保障期，並篩保費。評分涵蓋醫療及意外、僱主保障及法律責任。此類別沒有獨立的評分方法頁。
- [Decoder (EN)](https://www.10life.com/en/products/domestic-helper): Domestic-helper insurance comparison. Choose helper type and cover period, and filter by premium. Scores cover medical and accident benefits, employer protection, and liability. There is no standalone methodology page for this type.
- [Blog hub (繁中)](https://www.10life.com/zh-HK/blog/category/home-and-life): 家傭文章收錄於家居及生活專欄。
- [Blog hub (EN)](https://www.10life.com/en/blog/category/home-and-life): Domestic-helper articles sit in the home-and-life hub.

## Personal accident — 個人意外保險

- [Decoder (繁中)](https://www.10life.com/zh-HK/products/personal-accident): 個人意外保險比較。可選職業及保額。評分涵蓋身故及斷肢、醫療、物理治療及跌打，並顯示成人參考保費。
- [Decoder (EN)](https://www.10life.com/en/products/personal-accident): Personal-accident comparison. Choose occupation and sum assured. Scores cover death and dismemberment, medical expenses, physiotherapy, and bonesetting, with an indicative adult premium.
- [Blog hub (繁中)](https://www.10life.com/zh-HK/blog/category/personal-accident): 個人意外專欄。
- [Blog hub (EN)](https://www.10life.com/en/blog/category/personal-accident): Personal-accident articles.
- [Methodology (繁中)](https://www.10life.com/zh-HK/scoring-methodology/personal-accident): 個人意外評分方法。
- [Methodology (EN)](https://www.10life.com/en/scoring-methodology/personal-accident): Personal-accident scoring method.

## Reference

- [Methodology index (繁中)](https://www.10life.com/zh-HK/scoring-methodology): 全部評分方法的目錄，以及評分能做與不能做的說明（同一險種才可比較、不含服務與個人情況、不偏袒保險公司）。
- [Methodology index (EN)](https://www.10life.com/en/scoring-methodology): Index of every scoring method, including what a score can and cannot do: compare only within a type, excludes service and personal circumstances, and is not influenced by insurer commercial ties.
- [About 10Life (繁中)](https://www.10life.com/zh-HK/about-us): 公司簡介、價值觀、里程碑及團隊。
- [About 10Life (EN)](https://www.10life.com/en/about-us): Company background, values, milestones, and team.
- [Licensed advisor service (繁中)](https://www.10life.com/zh-HK/advisor-service): 持牌保險經紀服務、服務範圍及常見問題。查詢：enquiries@10life.com，電話 +852 3705 1599。
- [Licensed advisor service (EN)](https://www.10life.com/en/advisor-service): Licensed broker service, scope, and FAQs. Enquiries: enquiries@10life.com, phone +852 3705 1599.
- [Life stage (繁中)](https://www.10life.com/zh-HK/life-stage): 按人生階段說明可能需要的保障組合，屬教育內容，不是個人建議。
- [Life stage (EN)](https://www.10life.com/en/life-stage): Which cover people often consider at each life stage. Educational, not personal advice.
- [Anti-scam guide (繁中)](https://www.10life.com/zh-HK/anti-scam-guide): 如何辨認保險相關騙案。
- [Anti-scam guide (EN)](https://www.10life.com/en/anti-scam-guide): How to recognise insurance-related scams.
- [Blog home (繁中)](https://www.10life.com/zh-HK/blog): 全部專欄的入口，可按類別或作者篩選。
- [Blog home (EN)](https://www.10life.com/en/blog): Entry to all articles, filterable by category or author.
- [Glossary (繁中)](https://www.10life.com/zh-HK/blog/category/glossary): 保險名詞解說。
- [Glossary (EN)](https://www.10life.com/en/blog/category/glossary): Insurance glossary articles.
- [Insurance clinic (繁中)](https://www.10life.com/zh-HK/blog/category/insurance-clinic): 以個案解答常見投保問題。
- [Insurance clinic (EN)](https://www.10life.com/en/blog/category/insurance-clinic): Case-style answers to common buying questions.
- [5-Star Insurance Award 2026 (繁中)](https://www.10life.com/zh-HK/5star-products-2026): 2026 五星保險大獎得獎產品，按醫療、危疾、儲蓄、QDAP、即期年金及終身人壽分類。2025 大獎網址，以及英文大獎網址，會轉到這頁。
- [5-Star award method (繁中)](https://www.10life.com/zh-HK/scoring-methodology/5star-award-2026): 2026 五星保險大獎的評選方法。英文頁未必提供此專題。

## Optional

- [Terms (繁中)](https://www.10life.com/zh-HK/terms): 使用條款。
- [Terms (EN)](https://www.10life.com/en/terms): Terms of use.
- [Privacy (繁中)](https://www.10life.com/zh-HK/privacy): 私隱政策。
- [Privacy (EN)](https://www.10life.com/en/privacy): Privacy policy.
- [Cookies (繁中)](https://www.10life.com/zh-HK/cookies): Cookie 政策。
- [Cookies (EN)](https://www.10life.com/en/cookies): Cookie policy.
- [Media (繁中)](https://www.10life.com/zh-HK/media): 傳媒報導。
- [Media (EN)](https://www.10life.com/en/media): Press coverage.
- [Market insights (繁中)](https://www.10life.com/zh-HK/blog/category/market-insights): 市場資訊文章。
- [Market insights (EN)](https://www.10life.com/en/blog/category/market-insights): Market-insight articles.
- [Health (繁中)](https://www.10life.com/zh-HK/blog/category/health): 健康資訊文章，不是產品評分。
- [Health (EN)](https://www.10life.com/en/blog/category/health): Health articles. Not product scores.
- [Blog search (繁中)](https://www.10life.com/zh-HK/blog/search): 搜尋文章。
- [Blog search (EN)](https://www.10life.com/en/blog/search): Search articles.
- [Careers (繁中)](https://www.10life.com/zh-HK/career): 職位空缺。
- [Careers (EN)](https://www.10life.com/en/career): Job openings.