Children Medical Insurance for Age 6 to 11
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Medical Insurance mainly covers the hospitalisation costs incurred on a cost reimbursement basis. The policy is renewed annually with premium based on attained age of the insured. Most products have coverage limits on certain cost categories, while some products are based on “full coverage” structure. We compare the products based on the coverage ratios under different common medical scenarios, the medical expenses of which are adjusted accordingly based on the room type (ward/ semi-private/ private room) admitted at a Hong Kong private hospital.
Below are the 3 types of medical insurance:
Below are the 3 types of medical insurance:
- Voluntary Health Insurance Scheme (VHIS): The VHIS policyholder can enjoy tax deductions on premium paid. The VHIS Standard plan is based on the minimum standards prescribed by the government. The VHIS Flexi plan is built upon the Standard plan by providing higher coverage through higher benefit limits or adding supplementary major medical coverage.
- Medical Insurance: It covers medical expenses for various ward classes and different geographical regions such as Asia, Global excluding US.
- International Medical Insurance: It covers medical expenses globally. Most of the plans offer "full coverage" on most individual medical expense categories with an overall annual limit. Designed for people who prefer the best-in-class medical services in private hospitals.
We found Medical Insurance product(s) matching your selected filters.
Sort by
Ward$0 DeductibleAsiaFull Coverage
| 10.0/10 | 100.0% | 6 | $10,485 | $12,104 | |
Medical Coverage Score Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Average Coverage Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details | Medical Inflation Protection Medical Inflation Protection means
| Number of Additional Features Based on the coverage of 8 selected additional features. Details | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
Limited-time offer
Enjoy up to 50% discount in the first year when enrolling in the Cigna Cathay Premier Health Plan via Cathay website.
Promotion offer
- Limited-time offer Enjoy up to a 50% discount when enrolling in Cigna Cathay Premier Health Plan via the Cathay website. On top of that, policyholders can earn up to 22,000 miles upon joining Wellness Journey with Cathay app.
- The promotion is a limited-time offer and applicable to the successful application including payment from 01 September 2022 to 30 November 2022.
* Terms and conditions apply.
Relevant information
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
Ward$0 DeductibleGlobal-ex-USFull Coverage
| 10.0/10 | 100.0% | 6 | $18,225 | $21,038 | |
Medical Coverage Score Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Average Coverage Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details | Medical Inflation Protection Medical Inflation Protection means
| Number of Additional Features Based on the coverage of 8 selected additional features. Details | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
Limited-time offer
Enjoy up to 50% discount in the first year when enrolling in the Cigna Cathay Premier Health Plan via Cathay website.
Promotion offer
- Limited-time offer Enjoy up to a 50% discount when enrolling in Cigna Cathay Premier Health Plan via the Cathay website. On top of that, policyholders can earn up to 22,000 miles upon joining Wellness Journey with Cathay app.
- The promotion is a limited-time offer and applicable to the successful application including payment from 01 September 2022 to 30 November 2022.
* Terms and conditions apply.
Relevant information
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
Ward$0 DeductibleGlobalFull Coverage
| 10.0/10 | 100.0% | 6 | $40,308 | $46,527 | |
Medical Coverage Score Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Average Coverage Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details | Medical Inflation Protection Medical Inflation Protection means
| Number of Additional Features Based on the coverage of 8 selected additional features. Details | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
Limited-time offer
Enjoy up to 50% discount in the first year when enrolling in the Cigna Cathay Premier Health Plan via Cathay website.
Promotion offer
- Limited-time offer Enjoy up to a 50% discount when enrolling in Cigna Cathay Premier Health Plan via the Cathay website. On top of that, policyholders can earn up to 22,000 miles upon joining Wellness Journey with Cathay app.
- The promotion is a limited-time offer and applicable to the successful application including payment from 01 September 2022 to 30 November 2022.
* Terms and conditions apply.
Relevant information
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
WardVHIS Flexi$0 DeductibleGreater ChinaFull Coverage
| 10.0/10 | 100.0% | 3 | $8,324 | $9,597 | |
Medical Coverage Score Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Average Coverage Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details | Medical Inflation Protection Medical Inflation Protection means
| Number of Additional Features Based on the coverage of 8 selected additional features. Details | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
WardVHIS Flexi$0 DeductibleAsiaFull Coverage
| 10.0/10 | 100.0% | 1 | $9,631 | $11,040 | |
Medical Coverage Score Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Average Coverage Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details | Medical Inflation Protection Medical Inflation Protection means
| Number of Additional Features Based on the coverage of 8 selected additional features. Details | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
Limited offer
Enroll with 3 family members to enjoy up to HK$2,000 supermarket voucher and up to 6-month premium refund.
Product Highlights
- Coverage up to HK$5,000,000 per year
- 3 deductible options enable your premium to deliver more bang for the buck
- No sub-limit for each benefit item, and no lifetime limit
- Tax deductions up to HK$8,000 per year per insured person
- Cashless Hospitalization
Promotion offer
- Enroll with 3 family members to enjoy up to HK$2,000 supermarket voucher and 6-month premium refund*
Eligible Plans include plans of HK$15,000 or HK$25,000 deductible (i.e. plans with HK$0 deductible are excepted) under the following plans.
- Promotion till 31 October 2022
Relevant Information
* Terms and conditions apply. Please refer to the product brochure for detailed information.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
WardVHIS Flexi$0 DeductibleGreater ChinaFull Coverage
| 10.0/10 | 99.7% | 3 | $9,172$7,338# | $10,784 | |
Medical Coverage Score Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Average Coverage Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details | Medical Inflation Protection Medical Inflation Protection means
| Number of Additional Features Based on the coverage of 8 selected additional features. Details | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
Limited time offers
Get up to 30% off your first year premium
Product Highlights
- Get full medical coverage immediately*, including those arising from unknown pre-existing conditions†
- Ease your worries about any upfront out-of-pocket medical expenses in Hong Kong with cashless arrangements**
- Choose from 4 different plans, 3 geographical coverage and 4 annual deductible options
- Claim a maximum annual tax deduction## of HKD8,000 for each insured person. For more details, please refer to www.ird.gov.hk
* Full coverage shall mean the actual amount of Eligible Expenses and other expenses charged and payable in accordance to the Terms and Benefits of this policy.
† Pre-existing condition(s) shall mean, in respect of the insured person, any sickness, disease, injury, physical, mental or medical condition or physiological degradation, including congenital condition, that has existed prior to the policy issuance date or the policy effective date, whichever is earlier. Unknown pre-existing condition(s) refers to any pre-existing condition(s) that the policy holder and/or insured person was not aware and would not reasonably have been aware of at the time of application. Application is subject to HSBC Life. Please refer to the policy provisions for the full terms and conditions.
** Pre-authorization is required for cashless arrangements. The final decision of the pre-authorisation application or direct billing approval is subject to the discretion of the HSBC Life.
##Tax deduction eligibility is only applicable to policyholders or his/her spouse who are Hong Kong taxpayers. Tax deduction for the qualifying premiums paid under VHIS policy (not including levy) will be based on the premiums paid after deducting the premium discount (if any). For more information, please refer to www.ird.gov.hk
Promotion offer
Apply online with promo code ’20FLEX' to enjoy 20% off your first year premium and an additional 10% off when you apply with your family members. 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.
# Premium is calculated after 20% discount on first year premium.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
WardVHIS Flexi$0 DeductibleGlobalFull Coverage
| 10.0/10 | 100.0% | 3 | $5,113$2,045# | $5,401 | |
Medical Coverage Score Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Average Coverage Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details | Medical Inflation Protection Medical Inflation Protection means
| Number of Additional Features Based on the coverage of 8 selected additional features. Details | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
Limited Offer
Enjoy up to 6-month premium discount (first policy year) + extra 20% premium discount offer upon successful application with annual payment mode
Product Highlights
- Worldwide full coverage Provides full coverage on a wide range of hospitalisation expenses so you wouldn’t have to worry about having too many itemised benefit limits
- Innovative reimbursement basis with limits reset per Disability per Policy Year You can utilise your coverage by having the limits of individual benefit items and the aggregate limit per Disability per Policy Year counted afresh for each Disability or in each Policy Year
- Covers unknown Pre-existing Conditions starting from the 31st day of the first Poicy Year It also covers Congenital Condition having manifested or been diagnosed at any age the Insured Person attains starting from the 31st day of the first Policy Year
- Get rewards by staying healthy with your family Enjoys individual and extra no claims premium discount of up to 25%
- Tax savings vCANsurance Medical Plan meets Government's regulatory standards. And if you are a Hong Kong taxpayer, you can claim tax deductions of up to HKD8,000 per insured person for the premium(s) paid for yourself and/or your specified relatives per assessment year@.
Promotion offer
- Limited offer
Successful application with annual payment mode on or before 31 Dec 2022 can enjoy up to 6-month premium discount (first policy year) + extra 20% premium discount offer
Terms and conditions of the promotion apply. For more detail, please refer to the relevant promotion leaflet.
Relevant Information
The above is FWD-sponsored content with information provided by FWD. 10Life is not authorized by FWD to process and/or provide any insurance-related products and/or services, and shall not provide any opinions or advice on insurance. Readers shall evaluate information herein on their own or seek advice from independent experts. The product information in this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan.
vCANsurance Medical Plan (VHIS Plan Certification Number: F00051) is a Flexi Plan certified by the Hong Kong Special Administrative Region Government under Voluntary Health Insurance Scheme (“VHIS”) and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability)(VHIS provider registration number is 00036).
@Tax deduction is subject to the latest rules and regulations of Inland Revenue Department of HKSAR. Applicant can apply a tax deduction for the premium actually paid. Further information on tax concessions applicable to VHIS may be found in IRD’s website at www.ird.gov.hk/eng and VHIS (www.vhis.gov.hk/en/). FWD and the intermediaries do not provide tax advice. You should always consult with a professional tax advisor if you have any doubts.
# Premium is calculated after premium discount for the first year premium.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
WardVHIS Flexi$0 DeductibleGlobalFull Coverage
| 9.9/10 | 99.1% | 3 | $6,731 | $7,349 | |
Medical Coverage Score Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Average Coverage Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details | Medical Inflation Protection Medical Inflation Protection means
| Number of Additional Features Based on the coverage of 8 selected additional features. Details | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
WardVHIS Flexi$0 DeductibleGreater ChinaFull Coverage
| 9.7/10 | 97.0% | 3 | $9,156 | $10,557 | |
Medical Coverage Score Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Average Coverage Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details | Medical Inflation Protection Medical Inflation Protection means
| Number of Additional Features Based on the coverage of 8 selected additional features. Details | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
WardVHIS Flexi$0 DeductibleGlobal
| 9.2/10 | 92.2% | 0 | $3,588$2,512# | $4,429 | |
Medical Coverage Score Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Average Coverage Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details | Medical Inflation Protection Medical Inflation Protection means
| Number of Additional Features Based on the coverage of 8 selected additional features. Details | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
Limited Offer
Enjoy a 30% off on 1st year premium and free body check (Value HK$1,200) by using the promo code "BT10OCT"
Product Highlights
- Zero Deductible
- Fully end-to-end digital experience From initial application and online underwriting, to making a claim, everything can be done on your smartphone
- BowtieCash Program — unique loyalty program that enables customers to earn BowtieCash to pay for eligible medical costs that exceed the VHIS Plan coverage.
- Apply Bowtie Cancer Fighter for cancer protection: Covers all stages of cancer, including carcinoma in situ¹ & targeted therapy²
Promotion offer
- Bowtie VHIS Flexi - Regular : Enjoy a 30% off on 1st year premium and a free body check (value: HK$1,200)^ by using the promo code "BT10OCT"
Only applicable for successful application from 1 Oct 2022 to 31 Oct 2022.
- Bowtie Cancer Fighter for cancer protection : Enjoy a 30% off on 1st year premium by using the promo code "BT10OCT"
Only applicable for successful application from 1 Oct 2022 to 31 Oct 2022.
Relevant Information
1 Bowtie’s Cancer Fighter Insurance Plan covers all levels of malignant and carcinoma in situ, except for precancerous lesions, CIN I or CIN II abnormalities of the cervix, or all cancers that coexist with HIV infection.
2 Applicable to admissions to Semi-Private wards or tiers below. There is no restriction on the class of hospital room in which the insured person can be admitted to, however, an Adjustment Factor will be applied to the calculation of the hospital benefit, depending on the inpatient ward tier. Please refer to the benefit table for details.
Bowtie Cancer Fighter Insurance Plan is not a certified plan under the Voluntary Health Insurance Scheme, therefore the premiums are not tax deductible.
Bowtie VHIS is underwritten by our company and only intended for sale in Hong Kong. The above information is for reference only. For detailed terms and conditions of the product, please refer to the policy.
^The body check is only applicable to people aged 14 or above. Terms and conditions apply. https://bit.ly/3NLKhjW Bowtie will send out an email about redemption after 30 days from the effective date of the eligible policy, and customers can follow the instructions to enjoy the offer. The information and offers are provided by Bowtie Life Insurance Company Limited.
# Premium is calculated after a 30% off on 1st year premium for Bowtie VHIS Flexi-Regular and Bowtie Cancer Fighter for cancer protection.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
We found Medical Insurance product(s) matching your selected filters.
Cathay | 國泰
Cigna Cathay Premier Health Plan
Medical Coverage Score :
10.0/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details
Medical Inflation Protection :
Medical Inflation Protection means
- Full coverage
- Hgh annual limit
- No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Number of Additional Features :
6
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$10,485
Age 35 male
Avg. Premium :
$12,104
Average premium for male age 35 to 44
Limited-time offer
Enjoy up to 50% discount in the first year when enrolling in the Cigna Cathay Premier Health Plan via Cathay website.
Promotion offer
- Limited-time offer Enjoy up to a 50% discount when enrolling in Cigna Cathay Premier Health Plan via the Cathay website. On top of that, policyholders can earn up to 22,000 miles upon joining Wellness Journey with Cathay app.
- The promotion is a limited-time offer and applicable to the successful application including payment from 01 September 2022 to 30 November 2022.
* Terms and conditions apply.
Relevant information
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
Cathay | 國泰
Cigna Cathay Premier Health Plan
Medical Coverage Score :
10.0/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details
Medical Inflation Protection :
Medical Inflation Protection means
- Full coverage
- Hgh annual limit
- No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Number of Additional Features :
6
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$18,225
Age 35 male
Avg. Premium :
$21,038
Average premium for male age 35 to 44
Limited-time offer
Enjoy up to 50% discount in the first year when enrolling in the Cigna Cathay Premier Health Plan via Cathay website.
Promotion offer
- Limited-time offer Enjoy up to a 50% discount when enrolling in Cigna Cathay Premier Health Plan via the Cathay website. On top of that, policyholders can earn up to 22,000 miles upon joining Wellness Journey with Cathay app.
- The promotion is a limited-time offer and applicable to the successful application including payment from 01 September 2022 to 30 November 2022.
* Terms and conditions apply.
Relevant information
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
Cathay | 國泰
Cigna Cathay Premier Health Plan
Medical Coverage Score :
10.0/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details
Medical Inflation Protection :
Medical Inflation Protection means
- Full coverage
- Hgh annual limit
- No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Number of Additional Features :
6
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$40,308
Age 35 male
Avg. Premium :
$46,527
Average premium for male age 35 to 44
Limited-time offer
Enjoy up to 50% discount in the first year when enrolling in the Cigna Cathay Premier Health Plan via Cathay website.
Promotion offer
- Limited-time offer Enjoy up to a 50% discount when enrolling in Cigna Cathay Premier Health Plan via the Cathay website. On top of that, policyholders can earn up to 22,000 miles upon joining Wellness Journey with Cathay app.
- The promotion is a limited-time offer and applicable to the successful application including payment from 01 September 2022 to 30 November 2022.
* Terms and conditions apply.
Relevant information
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
AXA | 安盛
AXA WiseGuard Pro Medical Insurance Plan (Regular)
Medical Coverage Score :
10.0/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details
Medical Inflation Protection :
Medical Inflation Protection means
- Full coverage
- Hgh annual limit
- No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Number of Additional Features :
3
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$8,324
Age 35 male
Avg. Premium :
$9,597
Average premium for male age 35 to 44
Cigna | 信諾
Cigna VHIS Series – Flexi Plan (Superior)
Medical Coverage Score :
10.0/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details
Medical Inflation Protection :
Medical Inflation Protection means
- Full coverage
- Hgh annual limit
- No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Number of Additional Features :
1
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$9,631
Age 35 male
Avg. Premium :
$11,040
Average premium for male age 35 to 44
Limited offer
Enroll with 3 family members to enjoy up to HK$2,000 supermarket voucher and up to 6-month premium refund.
Product Highlights
- Coverage up to HK$5,000,000 per year
- 3 deductible options enable your premium to deliver more bang for the buck
- No sub-limit for each benefit item, and no lifetime limit
- Tax deductions up to HK$8,000 per year per insured person
- Cashless Hospitalization
Promotion offer
- Enroll with 3 family members to enjoy up to HK$2,000 supermarket voucher and 6-month premium refund*
Eligible Plans include plans of HK$15,000 or HK$25,000 deductible (i.e. plans with HK$0 deductible are excepted) under the following plans.
- Promotion till 31 October 2022
Relevant Information
* Terms and conditions apply. Please refer to the product brochure for detailed information.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Bronze
Medical Coverage Score :
10.0/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
99.7%
Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details
Medical Inflation Protection :
Medical Inflation Protection means
- Full coverage
- Hgh annual limit
- No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Number of Additional Features :
3
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$9,172$7,338#
Age 35 male
Avg. Premium :
$10,784
Average premium for male age 35 to 44
Limited time offers
Get up to 30% off your first year premium
Product Highlights
- Get full medical coverage immediately*, including those arising from unknown pre-existing conditions†
- Ease your worries about any upfront out-of-pocket medical expenses in Hong Kong with cashless arrangements**
- Choose from 4 different plans, 3 geographical coverage and 4 annual deductible options
- Claim a maximum annual tax deduction## of HKD8,000 for each insured person. For more details, please refer to www.ird.gov.hk
* Full coverage shall mean the actual amount of Eligible Expenses and other expenses charged and payable in accordance to the Terms and Benefits of this policy.
† Pre-existing condition(s) shall mean, in respect of the insured person, any sickness, disease, injury, physical, mental or medical condition or physiological degradation, including congenital condition, that has existed prior to the policy issuance date or the policy effective date, whichever is earlier. Unknown pre-existing condition(s) refers to any pre-existing condition(s) that the policy holder and/or insured person was not aware and would not reasonably have been aware of at the time of application. Application is subject to HSBC Life. Please refer to the policy provisions for the full terms and conditions.
** Pre-authorization is required for cashless arrangements. The final decision of the pre-authorisation application or direct billing approval is subject to the discretion of the HSBC Life.
##Tax deduction eligibility is only applicable to policyholders or his/her spouse who are Hong Kong taxpayers. Tax deduction for the qualifying premiums paid under VHIS policy (not including levy) will be based on the premiums paid after deducting the premium discount (if any). For more information, please refer to www.ird.gov.hk
Promotion offer
Apply online with promo code ’20FLEX' to enjoy 20% off your first year premium and an additional 10% off when you apply with your family members. 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.
# Premium is calculated after 20% discount on first year premium.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
FWD | 富衛
vCANsurance Medical Plan (Standard)
Medical Coverage Score :
10.0/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details
Medical Inflation Protection :
Medical Inflation Protection means
- Full coverage
- Hgh annual limit
- No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Number of Additional Features :
3
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$5,113$2,045#
Age 35 male
Avg. Premium :
$5,401
Average premium for male age 35 to 44
Limited Offer
Enjoy up to 6-month premium discount (first policy year) + extra 20% premium discount offer upon successful application with annual payment mode
Product Highlights
- Worldwide full coverage Provides full coverage on a wide range of hospitalisation expenses so you wouldn’t have to worry about having too many itemised benefit limits
- Innovative reimbursement basis with limits reset per Disability per Policy Year You can utilise your coverage by having the limits of individual benefit items and the aggregate limit per Disability per Policy Year counted afresh for each Disability or in each Policy Year
- Covers unknown Pre-existing Conditions starting from the 31st day of the first Poicy Year It also covers Congenital Condition having manifested or been diagnosed at any age the Insured Person attains starting from the 31st day of the first Policy Year
- Get rewards by staying healthy with your family Enjoys individual and extra no claims premium discount of up to 25%
- Tax savings vCANsurance Medical Plan meets Government's regulatory standards. And if you are a Hong Kong taxpayer, you can claim tax deductions of up to HKD8,000 per insured person for the premium(s) paid for yourself and/or your specified relatives per assessment year@.
Promotion offer
- Limited offer
Successful application with annual payment mode on or before 31 Dec 2022 can enjoy up to 6-month premium discount (first policy year) + extra 20% premium discount offer
Terms and conditions of the promotion apply. For more detail, please refer to the relevant promotion leaflet.
Relevant Information
The above is FWD-sponsored content with information provided by FWD. 10Life is not authorized by FWD to process and/or provide any insurance-related products and/or services, and shall not provide any opinions or advice on insurance. Readers shall evaluate information herein on their own or seek advice from independent experts. The product information in this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan.
vCANsurance Medical Plan (VHIS Plan Certification Number: F00051) is a Flexi Plan certified by the Hong Kong Special Administrative Region Government under Voluntary Health Insurance Scheme (“VHIS”) and is underwritten by FWD Life Insurance Company (Bermuda) Limited (incorporated in Bermuda with limited liability)(VHIS provider registration number is 00036).
@Tax deduction is subject to the latest rules and regulations of Inland Revenue Department of HKSAR. Applicant can apply a tax deduction for the premium actually paid. Further information on tax concessions applicable to VHIS may be found in IRD’s website at www.ird.gov.hk/eng and VHIS (www.vhis.gov.hk/en/). FWD and the intermediaries do not provide tax advice. You should always consult with a professional tax advisor if you have any doubts.
# Premium is calculated after premium discount for the first year premium.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
FTLife | 富通
“FlexiCare” Medical Insurance Plan
Medical Coverage Score :
9.9/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
99.1%
Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details
Medical Inflation Protection :
Medical Inflation Protection means
- Full coverage
- Hgh annual limit
- No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Number of Additional Features :
3
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$6,731
Age 35 male
Avg. Premium :
$7,349
Average premium for male age 35 to 44
Sun Life | 永明金融
WeHealth Preferred
Medical Coverage Score :
9.7/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
97.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details
Medical Inflation Protection :
Medical Inflation Protection means
- Full coverage
- Hgh annual limit
- No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Number of Additional Features :
3
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$9,156
Age 35 male
Avg. Premium :
$10,557
Average premium for male age 35 to 44
Bowtie | 保泰人壽
Bowtie VHIS Flexi - Regular + Cancer Fighter 100
Medical Coverage Score :
9.2/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
92.2%
Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details
Medical Inflation Protection :
Medical Inflation Protection means
- Full coverage
- Hgh annual limit
- No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Number of Additional Features :
0
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$3,588$2,512#
Age 35 male
Avg. Premium :
$4,429
Average premium for male age 35 to 44
Limited Offer
Enjoy a 30% off on 1st year premium and free body check (Value HK$1,200) by using the promo code "BT10OCT"
Product Highlights
- Zero Deductible
- Fully end-to-end digital experience From initial application and online underwriting, to making a claim, everything can be done on your smartphone
- BowtieCash Program — unique loyalty program that enables customers to earn BowtieCash to pay for eligible medical costs that exceed the VHIS Plan coverage.
- Apply Bowtie Cancer Fighter for cancer protection: Covers all stages of cancer, including carcinoma in situ¹ & targeted therapy²
Promotion offer
- Bowtie VHIS Flexi - Regular : Enjoy a 30% off on 1st year premium and a free body check (value: HK$1,200)^ by using the promo code "BT10OCT"
Only applicable for successful application from 1 Oct 2022 to 31 Oct 2022.
- Bowtie Cancer Fighter for cancer protection : Enjoy a 30% off on 1st year premium by using the promo code "BT10OCT"
Only applicable for successful application from 1 Oct 2022 to 31 Oct 2022.
Relevant Information
1 Bowtie’s Cancer Fighter Insurance Plan covers all levels of malignant and carcinoma in situ, except for precancerous lesions, CIN I or CIN II abnormalities of the cervix, or all cancers that coexist with HIV infection.
2 Applicable to admissions to Semi-Private wards or tiers below. There is no restriction on the class of hospital room in which the insured person can be admitted to, however, an Adjustment Factor will be applied to the calculation of the hospital benefit, depending on the inpatient ward tier. Please refer to the benefit table for details.
Bowtie Cancer Fighter Insurance Plan is not a certified plan under the Voluntary Health Insurance Scheme, therefore the premiums are not tax deductible.
Bowtie VHIS is underwritten by our company and only intended for sale in Hong Kong. The above information is for reference only. For detailed terms and conditions of the product, please refer to the policy.
^The body check is only applicable to people aged 14 or above. Terms and conditions apply. https://bit.ly/3NLKhjW Bowtie will send out an email about redemption after 30 days from the effective date of the eligible policy, and customers can follow the instructions to enjoy the offer. The information and offers are provided by Bowtie Life Insurance Company Limited.
# Premium is calculated after a 30% off on 1st year premium for Bowtie VHIS Flexi-Regular and Bowtie Cancer Fighter for cancer protection.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
Further Readings
Mass Market Medical Insurance Frequently Asked Questions
What is the difference between medical insurance and critical illness insurance?
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.
How dose traditional medical insurance work? What is a “Full Coverage” product?
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”.
What is deductible?
The deductible is what the amount the insured needs to pay out-of-pocket first, while the insurance company covers the medical expense in excess of the deductible. For example, for a policy with a $10,000 deductible, if the eligible medical expense $50,000 the insurance company would only pay $40,000.
Remarks:
- Any premium displayed excludes insurance levy collected by the Hong Kong Insurance Authority.
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