FTLife | MediGold Plus
Overview
10Life Ratings
8.9 / 10
10Life Ratings
8.9 / 10
Avg. Premium
$23,275 (male age 35-44)
Avg. Premium
$23,275 (male age 35-44)
Deductible
$0 Deductible
Deductible
$0 Deductible
Base Plan Limit
$32,000,000 per policy year
Base Plan Limit
$32,000,000 per policy year
Lifetime Limit
$128,000,000
Lifetime Limit
$128,000,000
Geographical Coverage
Global-ex-US
Geographical Coverage
Global-ex-US
Include SMM
Include SMM
SMM co-pay
n/a
SMM co-pay
n/a
SMM general limits
n/a
SMM general limits
n/a
Estimated Coverage of selected Diseases
Coverage Score
10.0 / 10
Coverage Score
10.0 / 10
Average Coverage
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
100.0 %
Average Coverage
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
100.0 %
Minor cases - Fever requiring hospitalisation
100.0 %
Minor cases - Fever requiring hospitalisation
100.0 %
  • Estimated Total Bill
  • $53,700
    Estimated Total Bill
    $53,700
  • Estimated Coverage
  • $53,700
    Estimated Coverage
    $53,700
  • Estimated Out of Pocket
  • $0
    Estimated Out of Pocket
    $0
    Minor cases - Hemorrhoid Surgery
    100.0 %
    Minor cases - Hemorrhoid Surgery
    100.0 %
  • Estimated Total Bill
  • $113,000
    Estimated Total Bill
    $113,000
  • Estimated Coverage
  • $113,000
    Estimated Coverage
    $113,000
  • Estimated Out of Pocket
  • $0
    Estimated Out of Pocket
    $0
    Minor Cases - Colonoscopy (Day Case)
    100.0 %
    Minor Cases - Colonoscopy (Day Case)
    100.0 %
  • Estimated Total Bill
  • $42,850
    Estimated Total Bill
    $42,850
  • Estimated Coverage
  • $42,850
    Estimated Coverage
    $42,850
  • Estimated Out of Pocket
  • $0
    Estimated Out of Pocket
    $0
    Cancer - Breast cancer requiring surgery only
    100.0 %
    Cancer - Breast cancer requiring surgery only
    100.0 %
  • Estimated Total Bill
  • $425,940
    Estimated Total Bill
    $425,940
  • Estimated Coverage
  • $425,940
    Estimated Coverage
    $425,940
  • Estimated Out of Pocket
  • $0
    Estimated Out of Pocket
    $0
    Cancer - Lung cancer requiring surgery only
    100.0 %
    Cancer - Lung cancer requiring surgery only
    100.0 %
  • Estimated Total Bill
  • $691,695
    Estimated Total Bill
    $691,695
  • Estimated Coverage
  • $691,695
    Estimated Coverage
    $691,695
  • Estimated Out of Pocket
  • $0
    Estimated Out of Pocket
    $0
    Complex Cancer - Colon Cancer with Surgery and Chemotherapy
    100.0 %
    Complex Cancer - Colon Cancer with Surgery and Chemotherapy
    100.0 %
  • Estimated Total Bill
  • $697,860
    Estimated Total Bill
    $697,860
  • Estimated Coverage
  • $697,860
    Estimated Coverage
    $697,860
  • Estimated Out of Pocket
  • $0
    Estimated Out of Pocket
    $0
    Complex Cancer - Liver Cancer with Surgery and Targeted Therapy
    100.0 %
    Complex Cancer - Liver Cancer with Surgery and Targeted Therapy
    100.0 %
  • Estimated Total Bill
  • $830,150
    Estimated Total Bill
    $830,150
  • Estimated Coverage
  • $830,150
    Estimated Coverage
    $830,150
  • Estimated Out of Pocket
  • $0
    Estimated Out of Pocket
    $0
    Vascular Diseases - Angioplasty and Stent Placement
    100.0 %
    Vascular Diseases - Angioplasty and Stent Placement
    100.0 %
  • Estimated Total Bill
  • $541,133
    Estimated Total Bill
    $541,133
  • Estimated Coverage
  • $541,133
    Estimated Coverage
    $541,133
  • Estimated Out of Pocket
  • $0
    Estimated Out of Pocket
    $0
    Vascular Diseases - Stroke
    100.0 %
    Vascular Diseases - Stroke
    100.0 %
  • Estimated Total Bill
  • $174,100
    Estimated Total Bill
    $174,100
  • Estimated Coverage
  • $174,100
    Estimated Coverage
    $174,100
  • Estimated Out of Pocket
  • $0
    Estimated Out of Pocket
    $0
    Vascular Diseases - Requiring outpatient hemodialysis
    100.0 %
    Vascular Diseases - Requiring outpatient hemodialysis
    100.0 %
  • Estimated Total Bill
  • $316,000
    Estimated Total Bill
    $316,000
  • Estimated Coverage
  • $316,000
    Estimated Coverage
    $316,000
  • Estimated Out of Pocket
  • $0
    Estimated Out of Pocket
    $0
    Injury - Anterior cruciate ligament surgery
    100.0 %
    Injury - Anterior cruciate ligament surgery
    100.0 %
  • Estimated Total Bill
  • $259,750
    Estimated Total Bill
    $259,750
  • Estimated Coverage
  • $259,750
    Estimated Coverage
    $259,750
  • Estimated Out of Pocket
  • $0
    Estimated Out of Pocket
    $0
    Injury - Total knee replacement
    100.0 %
    Injury - Total knee replacement
    100.0 %
  • Estimated Total Bill
  • $486,900
    Estimated Total Bill
    $486,900
  • Estimated Coverage
  • $486,900
    Estimated Coverage
    $486,900
  • Estimated Out of Pocket
  • $0
    Estimated Out of Pocket
    $0
    Benefit Limits (Base Plan)
    Coverage Limit
    $32,000,000 per policy year
    Coverage Limit
    $32,000,000 per policy year
    Life Time Limit
    $128,000,000
    Life Time Limit
    $128,000,000
    Room and board
  • Per day
  • Fully covered
    Per day
    Fully covered
  • Maximum numbers of days
  • Unlimited
    Maximum numbers of days
    Unlimited
    Miscellaneous charges
  • Miscellaneous charges limits
  • Fully covered
    Miscellaneous charges limits
    Fully covered
    Attending doctor's visit fee
  • Per day
  • Fully covered
    Per day
    Fully covered
  • Maximum numbers of days
  • Unlimited
    Maximum numbers of days
    Unlimited
    Specialist's fee
  • Limit
  • Fully covered
    Limit
    Fully covered
    Intensive Care
  • Per day
  • Fully covered
    Per day
    Fully covered
  • Maximum numbers of days
  • Unlimited
    Maximum numbers of days
    Unlimited
  • Limit
  • Fully covered
    Limit
    Fully covered
    Surgeon's fee
  • Surgeon Fees - Maximum Limit Per Surgery
  • Fully Covered
    Surgeon Fees - Maximum Limit Per Surgery
    Fully Covered
  • Hemorrhoid Surgery
  • Fully Covered
    Hemorrhoid Surgery
    Fully Covered
  • Colonoscopy with polypectomy
  • Fully Covered
    Colonoscopy with polypectomy
    Fully Covered
  • Right radical mastectomy
  • Fully Covered
    Right radical mastectomy
    Fully Covered
  • Right lobectomy of lung
  • Fully Covered
    Right lobectomy of lung
    Fully Covered
  • Colonoscopy & Hemi-Colectomy
  • Fully Covered
    Colonoscopy & Hemi-Colectomy
    Fully Covered
  • Segmentectomy of liver
  • Fully Covered
    Segmentectomy of liver
    Fully Covered
  • Angioplasty with stent
  • Fully Covered
    Angioplasty with stent
    Fully Covered
  • Arthroscopic Anterior Cruciate Ligament
  • Fully Covered
    Arthroscopic Anterior Cruciate Ligament
    Fully Covered
  • Total knee replacement
  • Fully Covered
    Total knee replacement
    Fully Covered
  • Multiple Surgery - 2nd surgery payment %
  • 100%
    Multiple Surgery - 2nd surgery payment %
    100%
    Anaesthetist's fee
  • Limit
  • Fully covered
    Limit
    Fully covered
    Operating theatre charges
  • Limit
  • Fully covered
    Limit
    Fully covered
    Prescribed Diagnostic Imaging Tests
  • Limit
  • Fully covered
    Limit
    Fully covered
    Prescribed Non-surgical Cancer Treatments
  • Limit
  • Fully Covered
    Limit
    Fully Covered
    Pre- and post-Confinement/Day Case Procedure outpatient care
  • Per day
  • Fully covered
    Per day
    Fully covered
  • Maximum numbers of days
  • All clinic visit(s) within 30 days before admission and all clinic visit(s) within 90 days after discharge
    Maximum numbers of days
    All clinic visit(s) within 30 days before admission and all clinic visit(s) within 90 days after discharge
  • Limit
  • Fully covered, subject to maximum number of days limits
    Limit
    Fully covered, subject to maximum number of days limits
    Psychiatric treatments
  • Limit
  • $300,000
    Limit
    $300,000
    Other coverage
  • Physiotherapy post-confinement
  • 100 days (Max. $1,500 Per day)
    Physiotherapy post-confinement
    100 days (Max. $1,500 Per day)
  • Home nursing
  • 200 days (Fully covered per day)
    Home nursing
    200 days (Fully covered per day)
  • Outpatient dialysis
  • Share limit with prescribed non-surgical cancer treatments
    Outpatient dialysis
    Share limit with prescribed non-surgical cancer treatments
    Supplementary Major Medical Benefits
    Co-payment
    n/a
    Co-payment
    n/a
    General Limit
    n/a
    General Limit
    n/a
    Lifetime Limit
    n/a
    Lifetime Limit
    n/a
    Room and board
    n/a
    Room and board
    n/a
    Miscellaneous charges
    n/a
    Miscellaneous charges
    n/a
    Attending doctor's visit fee
    n/a
    Attending doctor's visit fee
    n/a
    Specialist's fee
    n/a
    Specialist's fee
    n/a
    Intensive Care
    n/a
    Intensive Care
    n/a
    Surgeon's fees
    n/a
    Surgeon's fees
    n/a
    Anaesthetist's fee
    n/a
    Anaesthetist's fee
    n/a
    Operating Theatre Charges
    n/a
    Operating Theatre Charges
    n/a
    Prescribed Diagnostic Imaging Tests
    n/a
    Prescribed Diagnostic Imaging Tests
    n/a
    Prescribed Non-surgical Cancer Treatments
    n/a
    Prescribed Non-surgical Cancer Treatments
    n/a
    Auxiliary Benefits
    Auxiliary Benefit Score
    4.5 / 10
    Auxiliary Benefit Score
    4.5 / 10
    High Annual Limit
    Annual limit of at least $20,000,000 (HKD)
    High Annual Limit
    Annual limit of at least $20,000,000 (HKD)
    No Lifetime Limit
    No Lifetime Limit
    Hospital Cash Benefits
    For staying in a standard private room in a private hospital
    Hospital Cash Benefits
    For staying in a standard private room in a private hospital
    Long Term Post Confinement Doctor Visits
    Long Term Post Confinement Doctor Visits
    Second Medical Opinion Service
    Second Medical Opinion Service
    International Assistance Service
    International Assistance Service
    VHIS Certification
    Government certified, enjoy tax benefits and other features
    VHIS Certification
    Government certified, enjoy tax benefits and other features
    Special Cancer Treatment Coverage
  • Immunotherapy
  • Immunotherapy
  • Hormonal Therapy
  • Hormonal Therapy
  • Proton Therapy
  • Proton Therapy
  • Gamma Knife and Cyberknife
  • Gamma Knife and Cyberknife
    Average Annual Premium
    Age 0 to 12
    $12,720
    Age 0 to 12
    $12,720
  • Age 0
  • $12,720
    Age 0
    $12,720
  • Age 1
  • $12,720
    Age 1
    $12,720
  • Age 2
  • $12,720
    Age 2
    $12,720
  • Age 3
  • $12,720
    Age 3
    $12,720
  • Age 4
  • $12,720
    Age 4
    $12,720
  • Age 5
  • $12,720
    Age 5
    $12,720
  • Age 6
  • $12,720
    Age 6
    $12,720
  • Age 7
  • $12,720
    Age 7
    $12,720
  • Age 8
  • $12,720
    Age 8
    $12,720
  • Age 9
  • $12,720
    Age 9
    $12,720
  • Age 10
  • $12,720
    Age 10
    $12,720
  • Age 11
  • $12,720
    Age 11
    $12,720
  • Age 12
  • $12,720
    Age 12
    $12,720
    Age 13 to 18
    $12,720
    Age 13 to 18
    $12,720
  • Age 13
  • $12,720
    Age 13
    $12,720
  • Age 14
  • $12,720
    Age 14
    $12,720
  • Age 15
  • $12,720
    Age 15
    $12,720
  • Age 16
  • $12,720
    Age 16
    $12,720
  • Age 17
  • $12,720
    Age 17
    $12,720
  • Age 18
  • $12,720
    Age 18
    $12,720
    Age 19 to 24
    $13,452
    Age 19 to 24
    $13,452
  • Age 19
  • $12,720
    Age 19
    $12,720
  • Age 20
  • $12,720
    Age 20
    $12,720
  • Age 21
  • $13,100
    Age 21
    $13,100
  • Age 22
  • $13,540
    Age 22
    $13,540
  • Age 23
  • $14,040
    Age 23
    $14,040
  • Age 24
  • $14,590
    Age 24
    $14,590
    Age 25 to 34
    $18,609
    Age 25 to 34
    $18,609
  • Age 25
  • $15,210
    Age 25
    $15,210
  • Age 26
  • $15,890
    Age 26
    $15,890
  • Age 27
  • $16,620
    Age 27
    $16,620
  • Age 28
  • $17,420
    Age 28
    $17,420
  • Age 29
  • $18,270
    Age 29
    $18,270
  • Age 30
  • $19,190
    Age 30
    $19,190
  • Age 31
  • $19,890
    Age 31
    $19,890
  • Age 32
  • $20,570
    Age 32
    $20,570
  • Age 33
  • $21,210
    Age 33
    $21,210
  • Age 34
  • $21,820
    Age 34
    $21,820
    Age 35 to 44
    $23,275
    Age 35 to 44
    $23,275
  • Age 35
  • $22,400
    Age 35
    $22,400
  • Age 36
  • $22,490
    Age 36
    $22,490
  • Age 37
  • $22,580
    Age 37
    $22,580
  • Age 38
  • $22,670
    Age 38
    $22,670
  • Age 39
  • $22,760
    Age 39
    $22,760
  • Age 40
  • $22,850
    Age 40
    $22,850
  • Age 41
  • $23,290
    Age 41
    $23,290
  • Age 42
  • $23,850
    Age 42
    $23,850
  • Age 43
  • $24,530
    Age 43
    $24,530
  • Age 44
  • $25,330
    Age 44
    $25,330
    Age 45 to 54
    $32,636
    Age 45 to 54
    $32,636
  • Age 45
  • $26,240
    Age 45
    $26,240
  • Age 46
  • $27,390
    Age 46
    $27,390
  • Age 47
  • $28,710
    Age 47
    $28,710
  • Age 48
  • $30,180
    Age 48
    $30,180
  • Age 49
  • $31,810
    Age 49
    $31,810
  • Age 50
  • $33,600
    Age 50
    $33,600
  • Age 51
  • $35,020
    Age 51
    $35,020
  • Age 52
  • $36,420
    Age 52
    $36,420
  • Age 53
  • $37,810
    Age 53
    $37,810
  • Age 54
  • $39,180
    Age 54
    $39,180
    Age 55 to 64
    $51,673
    Age 55 to 64
    $51,673
  • Age 55
  • $40,530
    Age 55
    $40,530
  • Age 56
  • $42,020
    Age 56
    $42,020
  • Age 57
  • $43,550
    Age 57
    $43,550
  • Age 58
  • $45,120
    Age 58
    $45,120
  • Age 59
  • $46,720
    Age 59
    $46,720
  • Age 60
  • $48,360
    Age 60
    $48,360
  • Age 61
  • $53,030
    Age 61
    $53,030
  • Age 62
  • $58,720
    Age 62
    $58,720
  • Age 63
  • $65,460
    Age 63
    $65,460
  • Age 64
  • $73,220
    Age 64
    $73,220
    Age 65 to 74
    $107,259
    Age 65 to 74
    $107,259
  • Age 65
  • $82,020
    Age 65
    $82,020
  • Age 66
  • $88,030
    Age 66
    $88,030
  • Age 67
  • $93,800
    Age 67
    $93,800
  • Age 68
  • $99,330
    Age 68
    $99,330
  • Age 69
  • $104,620
    Age 69
    $104,620
  • Age 70
  • $109,670
    Age 70
    $109,670
  • Age 71
  • $115,390
    Age 71
    $115,390
  • Age 72
  • $121,030
    Age 72
    $121,030
  • Age 73
  • $126,600
    Age 73
    $126,600
  • Age 74
  • $132,100
    Age 74
    $132,100
    Age 75 to 84
    $159,627
    Age 75 to 84
    $159,627
  • Age 75
  • $137,520
    Age 75
    $137,520
  • Age 76
  • $142,870*
    Age 76
    $142,870*
  • Age 77
  • $148,140*
    Age 77
    $148,140*
  • Age 78
  • $153,330*
    Age 78
    $153,330*
  • Age 79
  • $158,450*
    Age 79
    $158,450*
  • Age 80
  • $163,500*
    Age 80
    $163,500*
  • Age 81
  • $167,580*
    Age 81
    $167,580*
  • Age 82
  • $171,430*
    Age 82
    $171,430*
  • Age 83
  • $175,040*
    Age 83
    $175,040*
  • Age 84
  • $178,410*
    Age 84
    $178,410*
    Age 85 to 94
    $193,097
    Age 85 to 94
    $193,097
  • Age 85
  • $181,550*
    Age 85
    $181,550*
  • Age 86
  • $184,450*
    Age 86
    $184,450*
  • Age 87
  • $187,110*
    Age 87
    $187,110*
  • Age 88
  • $189,540*
    Age 88
    $189,540*
  • Age 89
  • $191,730*
    Age 89
    $191,730*
  • Age 90
  • $193,680*
    Age 90
    $193,680*
  • Age 91
  • $196,530*
    Age 91
    $196,530*
  • Age 92
  • $199,350*
    Age 92
    $199,350*
  • Age 93
  • $202,140*
    Age 93
    $202,140*
  • Age 94
  • $204,890*
    Age 94
    $204,890*
    Age 95 to 100
    $214,255
    Age 95 to 100
    $214,255
  • Age 95
  • $207,620*
    Age 95
    $207,620*
  • Age 96
  • $210,310*
    Age 96
    $210,310*
  • Age 97
  • $212,980*
    Age 97
    $212,980*
  • Age 98
  • $215,610*
    Age 98
    $215,610*
  • Age 99
  • $218,220*
    Age 99
    $218,220*
  • Age 100
  • $220,790*
    Age 100
    $220,790*
    *For renewal only
    Remarks:

    1. The above premium excludes insurance levy collected by the Insurance Authority.
    2. The information on 10Life is intended for general education purpose and reference only, and does not constitute any insurance, financial, investment or other professional purchase advice or solicitation to buy insurance, financial or investment products. 10Life Product Ratings and Scores are mathematical calculations based on public product information and assumptions for generic customer segments. The Product Ratings and Scores DO NOT reflect YOUR personal needs. 10Life hereby excludes any liability arising from using the information and will not make warranty or guarantee on the accuracy, completeness and timeliness of the information or for any claims and / or losses caused thereby. You should seek independent professional advice and review the insurance product information carefully before purchasing any insurance products. The information shown in the communications placed on 10Life does not constitute an offer or solicitation for the purchase or sale of any banking or insurance products or services.
    3. 10Life Insurance Product Ratings are based on facts and data, and are not be influenced by any partnerships with insurance companies.

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