| 10.0/10 | 100.0% | $5,113$2,983# | $5,401 |
10Life Rating Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Estimated 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 | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
Only applicable for successful application falling within the period from 1 July 2021 to 30 September 2021 (both dates inclusive) and policies must be issued on or before 31 October 2021. # Premium is calculated after 5-month premium discount for the first year premium.
| 10.0/10 | 99.6% | $4,431 | $4,786 |
10Life Rating Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Estimated 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 | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
| 10.0/10 | 99.6% | $8,324 | $9,597 |
10Life Rating Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Estimated 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 | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
^Full cover shall mean the actual amount of eligible expenses charged after deducting the remaining deductible (if any), and is subject to the annual benefit limit, lifetime benefit limit and other conditions. Psychiatric treatments and medical implants are excluded from full cover benefit. Further details of the terms, conditions, exclusions and limitations are provided in the policy contract.
Please click here to browse Promotional webpage from the insurance company. 
| 10.0/10 | 99.6% | $9,172 | $10,784 |
10Life Rating Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Estimated 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 | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
* Full coverage shall mean the actual amount of eligible expenses and other expenses charged and payable subject to annual benefit limit, lifetime benefit limit, and other related conditions. The claim must be medically necessary and the cost must also be reasonable.
Offer 1: Earn up to an extra $3,000 RewardCash! Pay new policy’s premium to HSBC Life with HSBC Premier Mastercard® Credit Card* to enjoy the offer. Offer ends 31 Dec 2021. Offer 2: Enjoy one-year premium waiver Eligible customers can get a first year premium waiver on our prescribed HSBC VHIS Flexi Plan when applying for any selected life insurance plan with designated annual premium amount (applicable to annual payment policy only). Offer ends 30 Sep 2021. Offer 3: Get up to 25% off your first-year premium Apply now to enjoy one of the following offers, • Enjoy 15% off your first year premium when applying for HSBC VHIS Flexi plan upon opening a new bank account or upgrading your current HSBC bank account. Offer ends 30 Sep 2021. • Enjoy 10% off your first year premium when applying for HSBC VHIS Flexi plan and any HSBC qualifying deferred annuity plan together. Offer ends 30 Sep 2021. Moreover, family members apply HSBC VHIS Flexi plan together can enjoy 10% discount on first year premium. Offer ends 30 Sep 2021. *Terms and conditions apply to promotions listed above. Please refer to https://www.hsbc.com.hk/vhis-flexi for details.
Relevant information
* Terms and conditions apply. Please refer to the product brochure and product provision on HSBC website for details.
| 9.8/10 | 97.7% | $3,978 | $4,297 |
10Life Rating Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Estimated 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 | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
| 9.2/10 | 91.6% | $4,673 | $5,282 |
10Life Rating Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Estimated 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 | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
| 9.2/10 | 91.5% | $3,588$2,926# | $4,429 |
10Life Rating Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Estimated 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 | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
Only applicable for successful application from 1 September 2021 to 30 September 2021.
| 9.1/10 | 90.7% | $4,104 | $4,680 |
10Life Rating Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Estimated 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 | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
| 9.1/10 | 90.5% | $4,716$2,830# | $5,207 |
10Life Rating Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Estimated 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 | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
| 8.8/10 | 87.9% | $4,737 | $5,671 |
10Life Rating Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Estimated 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 | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
Only applicable for successful application falling within the period from 1 July 2021 to 30 September 2021 (both dates inclusive) and policies must be issued on or before 31 October 2021. # Premium is calculated after 5-month premium discount for the first year premium.
^Full cover shall mean the actual amount of eligible expenses charged after deducting the remaining deductible (if any), and is subject to the annual benefit limit, lifetime benefit limit and other conditions. Psychiatric treatments and medical implants are excluded from full cover benefit. Further details of the terms, conditions, exclusions and limitations are provided in the policy contract.
Please click here to browse Promotional webpage from the insurance company. * Full coverage shall mean the actual amount of eligible expenses and other expenses charged and payable subject to annual benefit limit, lifetime benefit limit, and other related conditions. The claim must be medically necessary and the cost must also be reasonable.
Offer 1: Earn up to an extra $3,000 RewardCash! Pay new policy’s premium to HSBC Life with HSBC Premier Mastercard® Credit Card* to enjoy the offer. Offer ends 31 Dec 2021. Offer 2: Enjoy one-year premium waiver Eligible customers can get a first year premium waiver on our prescribed HSBC VHIS Flexi Plan when applying for any selected life insurance plan with designated annual premium amount (applicable to annual payment policy only). Offer ends 30 Sep 2021. Offer 3: Get up to 25% off your first-year premium Apply now to enjoy one of the following offers, • Enjoy 15% off your first year premium when applying for HSBC VHIS Flexi plan upon opening a new bank account or upgrading your current HSBC bank account. Offer ends 30 Sep 2021. • Enjoy 10% off your first year premium when applying for HSBC VHIS Flexi plan and any HSBC qualifying deferred annuity plan together. Offer ends 30 Sep 2021. Moreover, family members apply HSBC VHIS Flexi plan together can enjoy 10% discount on first year premium. Offer ends 30 Sep 2021. *Terms and conditions apply to promotions listed above. Please refer to https://www.hsbc.com.hk/vhis-flexi for details.
Relevant information
* Terms and conditions apply. Please refer to the product brochure and product provision on HSBC website for details.
Only applicable for successful application from 1 September 2021 to 30 September 2021.
While both is often categorised under “health insurance”, they are very different in nature.
Medical insurance is also known as hospitalisation insurance. The main purpose is to cover the medical expenses if the insured is hospitalised, with some products also covering specific outpatient treatments. Claims are on an expense reimbursement basis, on the condition that the expense is “Medical Necessary”.
Critical illness insurance covers the insured against specified diseases. A lump sum benefit is paid if the insured is diagnosed with a specified disease that matches the definition in the policy provisions. In general, insurance companies do not limit the usage of the benefit payment.
Traditional medical insurance defines coverage limits item by item, e.g. room and board, surgeon fee, miscellaneous fee, etc… If the medical expense on particular item exceeds the limit, one may recover the excess from Supplementary Major Medical (if available, and after any co-payment), and any further excess needs to be paid out-of-pocket by the insured.
“Full Coverage” medical insurance generally does not limit the coverage amount in a single item. The medical expense can be covered as long as it does not exceed the per policy year, per disability or lifetime limit. However, the relevant medical expense needs to be “Medical Necessary” and “Reasonable and Customary”.
