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HSBC Life
HSBC Voluntary Health Insurance Flexi Plan Bronze

WardVHIS Flexi$0 DeductibleGreater China
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
99.6%
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
$9,172
Age 35 male
10Life Rating
Estimated Average Coverage
First Year Premium
$10,784
Average premium for male age 35 to 44
Avg. Premium

Overview

Estimated Coverage of selected Diseases

Benefit Limits (Base Plan)

Supplementary Major Medical Benefits

Other

Average Annual Premium

Overview

Estimated Coverage of selected Diseases

Benefit Limits (Base Plan)

Supplementary Major Medical Benefits

Other

Average Annual Premium

10Life Ratings
10.0 / 10
Avg. Premium
$10,784
Deductible
$0 Deductible
Base Plan Limit
$5,000,000 per policy year
Include SMM
SMM co-pay
n/a
SMM general limits
n/a
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
99.6 %
Minor cases - Fever requiring hospitalisation
100.0 %
  • Estimated Total Bill
  • $21,600
  • Estimated Coverage
  • $21,600
  • Estimated Out of Pocket
  • $0
    Minor cases - Hemorrhoid Surgery
    100.0 %
  • Estimated Total Bill
  • $45,600
  • Estimated Coverage
  • $45,600
  • Estimated Out of Pocket
  • $0
    Minor Cases - Colonoscopy (Day Case)
    100.0 %
  • Estimated Total Bill
  • $18,100
  • Estimated Coverage
  • $18,100
  • Estimated Out of Pocket
  • $0
    Cancer - Breast cancer requiring surgery only
    99.5 %
  • Estimated Total Bill
  • $170,536
  • Estimated Coverage
  • $169,736
  • Estimated Out of Pocket
  • $800
    Cancer - Lung cancer requiring surgery only
    99.7 %
  • Estimated Total Bill
  • $275,158
  • Estimated Coverage
  • $274,358
  • Estimated Out of Pocket
  • $800
    Complex Cancer - Colon Cancer with Surgery and Chemotherapy
    99.5 %
  • Estimated Total Bill
  • $348,984
  • Estimated Coverage
  • $347,384
  • Estimated Out of Pocket
  • $1,600
    Complex Cancer - Liver Cancer with Surgery and Targeted Therapy
    99.7 %
  • Estimated Total Bill
  • $482,700
  • Estimated Coverage
  • $481,100
  • Estimated Out of Pocket
  • $1,600
    Vascular Diseases - Angioplasty and Stent Placement
    100.0 %
  • Estimated Total Bill
  • $217,813
  • Estimated Coverage
  • $217,813
  • Estimated Out of Pocket
  • $0
    Vascular Diseases - Stroke
    98.1 %
  • Estimated Total Bill
  • $95,600
  • Estimated Coverage
  • $93,800
  • Estimated Out of Pocket
  • $1,800
    Vascular Diseases - Requiring outpatient hemodialysis
    99.7 %
  • Estimated Total Bill
  • $316,000
  • Estimated Coverage
  • $315,200
  • Estimated Out of Pocket
  • $800
    Injury - Anterior cruciate ligament surgery
    99.4 %
  • Estimated Total Bill
  • $106,900
  • Estimated Coverage
  • $106,300
  • Estimated Out of Pocket
  • $600
    Injury - Total knee replacement
    100.0 %
  • Estimated Total Bill
  • $196,200
  • Estimated Coverage
  • $196,200
  • Estimated Out of Pocket
  • $0
    Coverage Limit
    $5,000,000 per policy year
    Life Time Limit
    $20,000,000
    Room and board
  • Per day
  • Fully covered
  • Maximum numbers of days
  • Unlimited
    Miscellaneous charges
  • Miscellaneous charges limits
  • Fully covered
    Attending doctor's visit fee
  • Per day
  • Fully covered
  • Maximum numbers of days
  • Unlimited
    Specialist's fee
  • Limit
  • Fully covered
    Intensive Care
  • Per day
  • Fully covered
  • Maximum numbers of days
  • 30 days per policy year
  • Limit
  • Fully covered, subject to maximum number of days limits
    Surgeon's fee
  • Surgeon Fees - Maximum Limit Per Surgery
  • Fully Covered
  • Hemorrhoid Surgery
  • Fully Covered
  • Colonoscopy with polypectomy
  • Fully Covered
  • Right radical mastectomy
  • Fully Covered
  • Right lobectomy of lung
  • Fully Covered
  • Colonoscopy & Hemi-Colectomy
  • Fully Covered
  • Segmentectomy of liver
  • Fully Covered
  • Angioplasty with stent
  • Fully Covered
  • Arthroscopic Anterior Cruciate Ligament
  • Fully Covered
  • Total knee replacement
  • Fully Covered
  • Multiple Surgery - 2nd surgery payment %
  • 100%
    Anaesthetist's fee
  • Limit
  • Fully covered
    Operating theatre charges
  • Limit
  • Fully covered
    Prescribed Diagnostic Imaging Tests
  • Limit
  • Fully covered
    Prescribed Non-surgical Cancer Treatments
  • Limit
  • Fully Covered
    Pre- and post-Confinement/Day Case Procedure outpatient care
  • Per day
  • Fully covered
  • Maximum numbers of days
  • 1 clinic visit(s) before admission and 3 clinic visit(s) within 90 days after discharge
  • Limit
  • Fully covered, subject to maximum number of days limits
    Psychiatric treatments
  • Limit
  • $30,000
    Other coverage
  • Physiotherapy post-confinement
  • Covered under Pre-admission and Post-hospitalisation Out-patient Care, extra 90 days with annual limit $3,000
  • Home nursing
  • 90 days (Fully covered per day)
  • Outpatient dialysis
  • Fully covered
    Co-payment
    n/a
    General Limit
    n/a
    Lifetime Limit
    n/a
    Room and board
    n/a
    Miscellaneous charges
    n/a
    Attending doctor's visit fee
    n/a
    Specialist's fee
    n/a
    Intensive Care
    n/a
    Surgeon's fees
    n/a
    Anaesthetist's fee
    n/a
    Operating Theatre Charges
    n/a
    Prescribed Diagnostic Imaging Tests
    n/a
    Prescribed Non-surgical Cancer Treatments
    n/a
    Compassionate death benefit
    $10,000
    No Claim Discount on Premium/Deductible
    -
    Free Health Check up
    -
    Other Product Features/Terms
    -
    Age 0 to 12
    $6,937
  • Age 0
  • $7,154
  • Age 1
  • $7,154
  • Age 2
  • $7,154
  • Age 3
  • $7,154
  • Age 4
  • $7,154
  • Age 5
  • $7,035
  • Age 6
  • $6,971
  • Age 7
  • $6,894
  • Age 8
  • $6,829
  • Age 9
  • $6,770
  • Age 10
  • $6,699
  • Age 11
  • $6,637
  • Age 12
  • $6,572
    Age 13 to 18
    $6,304
  • Age 13
  • $6,503
  • Age 14
  • $6,426
  • Age 15
  • $6,345
  • Age 16
  • $6,242
  • Age 17
  • $6,158
  • Age 18
  • $6,152
    Age 19 to 24
    $6,518
  • Age 19
  • $6,182
  • Age 20
  • $6,259
  • Age 21
  • $6,403
  • Age 22
  • $6,581
  • Age 23
  • $6,746
  • Age 24
  • $6,937
    Age 25 to 34
    $8,072
  • Age 25
  • $7,149
  • Age 26
  • $7,380
  • Age 27
  • $7,624
  • Age 28
  • $7,814
  • Age 29
  • $8,005
  • Age 30
  • $8,183
  • Age 31
  • $8,354
  • Age 32
  • $8,523
  • Age 33
  • $8,739
  • Age 34
  • $8,947
    Age 35 to 44
    $10,784
  • Age 35
  • $9,172
  • Age 36
  • $9,414
  • Age 37
  • $9,671
  • Age 38
  • $10,064
  • Age 39
  • $10,488
  • Age 40
  • $10,926
  • Age 41
  • $11,381
  • Age 42
  • $11,852
  • Age 43
  • $12,228
  • Age 44
  • $12,640
    Age 45 to 54
    $15,911
  • Age 45
  • $13,074
  • Age 46
  • $13,558
  • Age 47
  • $14,087
  • Age 48
  • $14,707
  • Age 49
  • $15,359
  • Age 50
  • $16,068
  • Age 51
  • $16,808
  • Age 52
  • $17,622
  • Age 53
  • $18,458
  • Age 54
  • $19,367
    Age 55 to 64
    $27,440
  • Guaranteed Yearly Income at Age 55
  • $20,379
  • Age 56
  • $21,518
  • Age 57
  • $22,773
  • Age 58
  • $24,314
  • Age 59
  • $26,017
  • Age 60
  • $27,855
  • Age 61
  • $29,804
  • Age 62
  • $31,861
  • Age 63
  • $33,888
  • Age 64
  • $35,986
    Age 65 to 74
    $47,457
  • Age 65
  • $38,147
  • Age 66
  • $40,362
  • Age 67
  • $42,604
  • Age 68
  • $44,545
  • Age 69
  • $46,477
  • Age 70
  • $48,408
  • Age 71
  • $50,355
  • Age 72
  • $52,303
  • Age 73
  • $54,538
  • Age 74
  • $56,832
    Age 75 to 84
    $71,112
  • Age 75
  • $59,190
  • Age 76
  • $61,595
  • Age 77
  • $64,097
  • Age 78
  • $66,725
  • Age 79
  • $69,437
  • Age 80
  • $72,227
  • Age 81
  • $75,098*
  • Age 82
  • $78,043*
  • Age 83
  • $80,953*
  • Age 84
  • $83,759*
    Age 85 to 94
    $99,343
  • Age 85
  • $86,490*
  • Age 86
  • $89,160*
  • Age 87
  • $91,800*
  • Age 88
  • $94,680*
  • Age 89
  • $97,740*
  • Age 90
  • $100,903*
  • Age 91
  • $104,087*
  • Age 92
  • $107,052*
  • Age 93
  • $109,634*
  • Age 94
  • $111,882*
    Age 95 to 100
    $117,437
  • Age 95
  • $113,852*
  • Age 96
  • $115,605*
  • Age 97
  • $117,391*
  • Age 98
  • $119,196*
  • Age 99
  • $121,139*
  • Age 100
  • -
    *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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