VHIS Full Coverage plans getting better with Annual Limits reaching record highs (Chinese Article)
政府去年推出自願醫保，為標準計劃設定劃一的條款，增加市場透明度。但自願醫保標準計劃只是醫保的最低要求 ... >>
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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 |
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 |
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 |
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 |
Limited offer
Once you successfully apply for a new basic plan/supplement of AXA WiseGuard Pro Medical Insurance Plan1 and satisfy other applicable requirements, you may enjoy up to 7 months’ premium refund%!
Product Highlights
- Full cover^ for hospitalisation and surgical benefits
- Full cover+ for prescribed non-surgical cancer treatments and outpatient kidney dialysis
- No waiting period for unknown pre-existing conditions
- No claim discount* up to 15%
- Free second medical opinion~, >
% For details, please refer to the promotional webpage from the insurance company or the terms and conditions related to AXA WiseGuard Pro Medical Insurance Plan stated in this webpage. ^ Full cover shall mean the actual amount of eligible expenses and other expenses charged after deducting the remaining deductible (if any), and is subject to the annual benefit limit, lifetime benefit limit and other conditions as stated in the product brochure and the policy contract. 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. ⁺ Full cover of prescribed non-surgical cancer treatments and outpatient kidney dialysis are subject to the annual benefit limit, lifetime benefit limit, deductible (if any) and other conditions as stated in the product brochure and the policy contract. Further details of the terms, conditions, exclusions and limitations are provided in the policy contract. * If after a no claim discount has been deducted, a claim incurred in respect of previous 5 policy years is paid under AXA WiseGuard Pro Medical Insurance Plan, the no claim discount shall be re-calculated by taking into account the relevant claim paid, and the policy holder shall return to the Company the difference between the recalculated amount and the no claim discount actually paid to the policy holder immediately upon the Company’s reasonable request. For the avoidance of doubt, if a claim was incurred but no benefit was paid by reason of the deductible, the policy year concerned will still not be counted in the claim-free period. For details, please refer to the policy contract. ~ The (a) medical service providers providing the second medical opinion and (b) network doctors and network healthcare facilities providing medical services, are, respectively, independent contractors and are not agents or servants of AXA. AXA shall (i) not be held responsible for or liable to the policy holder or any of the insured person for anything in relation to such medical opinion given by the medical service providers and hospitals; and (ii) not have any obligation or liability whatsoever in relation to the medical services provided by the network doctors and the network healthcare facilities, and shall not be responsible for or liable to any act or failure to act on the part of the network doctors and network healthcare facilities. AXA reserves the right to amend the terms and conditions thereof from time to time without prior notice. > Please refer to the policy holder guide map for details of the additional services and procedure, which will be provided to you together with the policy contract after your policy takes effect. Please note that the terms of the services and procedures in relation to these additional services can be amended by AXA from time to time without prior notice.
AXA “Stands by You” Programme - Promotion offer
- From 25 April 2022 to 30 June 2022, once you successfully apply for a new basic plan/supplement of AXA WiseGuard Pro Medical Insurance Plan1 and satisfy other applicable requirements, you may enjoy up to 7 months’ premium refund%!
Relevant Information
Please click here to browse Promotional webpage from the insurance company. Terms and Conditions
- For product details of AXA WiseGuard Pro Medical Insurance Plan, please refer to the relevant proposals, product brochures and policy contracts.
- AXA “Stand by You” Programme (the “Promotion”) is offered by AXA China Region Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) / AXA China Region Insurance Company Limited / AXA General Insurance Hong Kong Limited (collectively “AXA”), from 25 April 2022 to 30 June 2022, both dates inclusive (the “Promotion Period”), subject to the following terms and conditions. Reward 1B - AXA WiseGuard Pro Medical Insurance Plan Premium Refund
- The Reward 1B (as defined in clause 4 below) of the Promotion is only applicable if the following requirements are satisfied: a. Customers successfully submit the applications for basic plan / supplement of AXA WiseGuard Pro Medical Insurance Plan (“Designated Health Basic Plan / Supplement”) during the Promotion Period; b. Such Designated Health Basic Plan / Supplement must be successfully issued / have its effective date commenced during the period from 25 April 2022 to 31 August 2022, both dates inclusive; and c. Annual payment mode must be selected for such Designated Health Basic Plan / Supplement. (The Designated Health Basic Plan / Supplement satisfying clause 3 above is hereinafter referred to as "Eligible Basic Plan/Eligible Supplement of Reward 1B")
- Each Eligible Basic Plan / Eligible Supplement of Reward 1B may be entitled to a one-off 4 months’ premium refund on future premium(s), the amount of which is equivalent to 33.33% of the annualised first year premium (“AFYP”) of the relevant Eligible Basic Plan / Eligible Supplement of Reward 1B (“Reward 1B”) on and in accordance with the following conditions: a. The AFYP is determined based on the benefit level of the policy as at the time the premium is refunded; b. If you have changed the benefit level of the Eligible Basic Plan / Eligible Supplement of Reward 1B after policy issuance, the AFYP applied in Reward 1B will not be equivalent to the actual amount of total premiums you paid for the first policy year. AFYP will be re-calculated based on the benefit level of Eligible Basic Plan / Eligible Supplement of Reward 1B as at the time of premium is refunded; c. The amount of AFYP is calculated by adding the standard premium and premium loading imposed due to underwriting (if any) of the policy. Levy will not be included in the calculation; d. The calculation of AFYP and Reward 1B shall be rounded up to the nearest 2 decimal places according to the policy currency (based on the AXA’s conversion table, if applicable) of the Eligible Basic Plan / Eligible Supplement of Reward 1B ; and Conversion Table - Exchange rate of foreign currencies against HKD – USD1 = HKD8.0 e. The Eligible Basic Plan / Eligible Supplement of Reward 1B must be in force and in annual payment mode at the time of the premium is refunded and all premiums due since policy effective date must be fully paid, failing which you will not be entitled to Reward 1B. If Eligible Basic Plan / Eligible Supplement of Reward 1B shall terminate for whatever reasons before / after the premium refund is fully applied on the policy, any portion of such premium refund not yet applied, and / or the respective reward will be forfeited and cannot be withdrawn or transferred.
- The policy owner of the Eligible Basic Plan / Eligible Supplement of Reward 1B will receive a notification letter by mail after the premium refund is credited to the future premium deposit account on or before 30 April 2023 and the notification letter will set out the details of the premium refund. The Reward 1B will then be applied to the premium payments of the second policy year and /or onwards as AXA deems appropriate.
- The Reward 1B will not be applicable to customers who have purchased the Designated Health Basic Plan / Supplement before the Promotion Period but subsequently cancelled such Designated Health Basic Plan / Supplement during its cooling off period and then re-applied for the same Designated Health Basic Plan / Supplement during the Promotion Period. Reward 1C - AXA WiseGuard Pro Medical Insurance Plan Additional Premium Refund
- The Reward 1C (as defined in clause 8 below) of the Promotion is only applicable if the following requirements are satisfied:
a. During the promotion period, customer successfully submit an application of designated basic plan / supplement of AXA WiseGuard Pro Medical Insurance Plan (“Designated AXA WiseGuard Pro Policy”) and is named as the proposed insured person in such application;
b. Customer is named as the insured person in an in-force policy of designated basic plan / supplement including AXA WiseGuard Medical Insurance Plan, Smart Medicare, MediPartner Health Plan, Smart Start Medical Insurance , HealthPak Insurance, HealthCare, Super Hospitalization Plan, Hospitalization Benefit / Juvenile Hospitalization Benefit and Complementary Medical Benefit (“Designated In-force Policy”) on 24 April 2022;
c. The Designated AXA WiseGuard Pro Policy must be successfully issued / have its effective date commenced during the period from 25 April 2022 to 31 August 2022, both dates inclusive; and
d. Annual payment mode must be selected for the Designated AXA WiseGuard Pro Policy.
(The Designated AXA WiseGuard Pro Policy satisfying clause 7 above is hereinafter referred to as “Eligible Basic Plan / Eligible Supplement of Reward 1C.)
- Each Eligible Basic Plan / Eligible Supplement of Reward 1C that has met the above requirements as set out in clause 7 may be entitled to 3 months’ premium refund in addition to the 4 months’ premium refund offered in Reward 1B on future premium(s), the amount of which is equivalent to 25% of the AFYP of the relevant Eligible Basic Plan / Eligible Supplement of Reward 1C (“Reward 1C”) on and in accordance with the following conditions:
a. The AFYP is determined based on the benefit level of the policy as at the time the relevant batch of the premium is refunded;
b. If you have changed the benefit level of the Eligible Basic Plan / Eligible Supplement of Reward 1C after policy issuance, the AFYP applied in Reward 1C will not be equivalent to the actual amount of total premiums you paid for the first policy year. AFYP will be re-calculated based on the benefit level of Eligible Basic Plan / Eligible Supplement of Reward 1C as at the time of the respective batch of premium is refunded;
c. The amount of AFYP is calculated by adding the standard premium and premium loading imposed due to underwriting (if any) of the policy. Levy will not be included in the calculation;
d. The calculation of AFYP and Reward 1C shall be rounded up to the nearest 2 decimal places according to the policy currency (based on the AXA’s conversion table, if applicable) of the Eligible Basic Plan / Eligible Supplement of Reward 1C ; and
Conversion Table - Exchange rate of foreign currencies against HKD – USD1 = HKD8.0
e. The Eligible Basic Plan / Eligible Supplement of Reward 1C above must be in force at the time of the respective batch of premium refund and all premiums due since policy effective date must be fully paid at the time of the respective batch of premium refund, failing which you will not be entitled to Reward 1C. The Eligible Basic Plan / Eligible Supplement of Reward 1C must be in annual payment mode at the time of premium is refunded. If Eligible Basic Plan / Eligible Supplement of Reward 1C shall terminate for whatever reasons before / after the premium refund is fully applied on the policy, any portion of such premium refund not yet applied, and / or the respective reward will be forfeited and cannot be withdrawn or transferred.
- For determining eligibility of Reward 1C, each Designated AXA WiseGuard Pro Policy may be eligible for Reward 1C provided that any Designated In-force Policy shall be paired with a Designated AXA WiseGuard Pro Policy once only. In the event that the number of Designated AXA WiseGuard Pro Policy exceeds the number of Designated In-force Policy, the Designated AXA WiseGuard Pro Policy with the greater / greatest (as the case maybe) annualised premium shall be deemed the Eligible Basic Plan / Eligible Supplement of Reward 1C.
- The premium refund will be given out in batch(es) according to the schedule below:
Batch of Premium Refund Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1C Release Schedule for Premium Refund 1st batch1st monthBy 30 April 20232nd batch2nd monthBy 30 April 20243rd batch3rd monthBy 30 April 2025 - The policy owner of the Eligible Basic Plan / Eligible Supplement of Reward 1C will receive a notification letter by mail after the respective batch of premium refund is credited to the future premium deposit account according to the release schedule for premium refund stated above. The notification letter(s) will set out the details of the relevant premium refund. Reward 1C will then be applied to the premium payments of the second policy year and / or onwards as AXA deems appropriate.
- The Reward 1C will not be applicable to customers who have purchased the Designated AXA WiseGuard Pro Policy before the Promotion Period but subsequently cancelled such Designated AXA WiseGuard Pro Policy during its cooling off period and then re-applied for the same Designated AXA WiseGuard Pro Policy during the Promotion Period.
- Customer is only entitled to a maximum of 7 months’ premium refund on each AXA WiseGuard Pro Medical Insurance Plan under Reward 1B and Reward 1C. General provisions 1. The premium refund under this Promotion is non-transferable, non-refundable and cannot be exchanged or redeemed for cash under any circumstances. AXA reserves the right to alter or terminate the Promotion (in whole or in part) and / or amend the relevant terms and conditions of the Promotion at any time without prior notice. Any application under the Promotion previously approved will not be affected by subsequent alteration or termination of the Promotion and / or amendments to its terms and conditions. This webpage contains general information only. It does not constitute any offer for a basic plan or supplement (if applicable). For detailed terms, conditions and exclusions of the relevant basic plan and supplement (if applicable), please refer to the relevant proposals, product brochures and policy contracts. The premium refund under this Promotion is not guaranteed. Such application is subject to AXA’s approval. In case of any dispute, the decision of AXA shall be final and conclusive. For details, please refer to the relevant terms and conditions stated in the promotion leaflet Notes
- The words and expressions “insured”, “policy owner” and “supplement” shown in this content shall carry the same meanings as “insured person”, “policy holder” and “rider” (respectively and where applicable) stated in the policy contract of AXA WiseGuard Pro Medical Insurance Plan.
- The premium refund(s) under the Promotion will form part of the relevant policy contract(s) upon the respective basic plan(s) and / or the supplement(s) (if applicable) being issued, and the requirements of the relevant premium refund(s) under the terms and conditions of the Promotion having been fulfilled.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited will not be responsible for 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.
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 now to enjoy up to 6-month premium refund!
Product Highlights
- Coverage up to HK$30,000,000 per year
- 5 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
- Limited time offer - Enroll now to enjoy up to 6-month premium refund*
Eligible Plans include plans of HK$15,000, HK$25,000, HK$50,000 or HK$75,000 deductible (i.e. plans with HK$0 deductible are excepted) under the following plans.
- Promotion till 30 Jun 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 will not be responsible for 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.
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 will not be responsible for 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.
WardVHIS Flexi$0 DeductibleGlobalFull Coverage
| 10.0/10 | 100.0% | 3 | $5,113$2,983# | $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 by applying with annual premium 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%
The above product information does not contain the full terms and benefits of the policy, exclusions and key product risks. For the full terms, benefits, exclusions and key product risks, please refer to the relevant policy provisions and product brochure.
Promotion offer
- Up to 6-month premium discount Customers may enjoy a 5-month premium discount by applying with annual premium payment mode within the promotion period. If customer applies for FWD designated VHIS Plan(s) for his/her specified relative(s) at the same time, each eligible policy will be entitled to an extra 1-month premium discount in the 1st policy year.
Only applicable for successful application falling within the period from 1 Jan 2022 to 30 Jun 2022 (both dates inclusive) and policies must be issued on or before 31 Jul 2022. # Premium is calculated after 5-month premium discount for the first year premium.
Relevant Information
*Terms and conditions apply. Please refer to the promotional flyer, product leaflet and policy provisions for details.
**Applicant can apply a tax deduction for the premium actually paid. Any premium refund or premium discount is ineligible for tax deduction. Further information on tax concessions applicable to VHIS may be found in IRD’s website at www.ird.gov.hk/en.
***vCANsurance Medical Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited, a company incorporated in Bermuda with limited liability (“FWD”).
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited will not be responsible for 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.
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
| 9.3/10 | 92.8% | 0 | $3,588$2,691# | $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 up to 4-month premium waiver by using the promo code "BT10JUN"
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
- Enjoy up to 4-month premium waiver by using the promo code "BT10JUN"
- Only applicable for successful application from 1 June 2022 to 30 June 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.
# Premium is calculated after a 4-month premium waiver for Bowtie VHIS Flexi-Regular and 3-month premium waiver for Bowtie Cancer Fighter for cancer protection.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited will not be responsible for 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.
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
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
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
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
Limited offer
Once you successfully apply for a new basic plan/supplement of AXA WiseGuard Pro Medical Insurance Plan1 and satisfy other applicable requirements, you may enjoy up to 7 months’ premium refund%!
Product Highlights
- Full cover^ for hospitalisation and surgical benefits
- Full cover+ for prescribed non-surgical cancer treatments and outpatient kidney dialysis
- No waiting period for unknown pre-existing conditions
- No claim discount* up to 15%
- Free second medical opinion~, >
% For details, please refer to the promotional webpage from the insurance company or the terms and conditions related to AXA WiseGuard Pro Medical Insurance Plan stated in this webpage. ^ Full cover shall mean the actual amount of eligible expenses and other expenses charged after deducting the remaining deductible (if any), and is subject to the annual benefit limit, lifetime benefit limit and other conditions as stated in the product brochure and the policy contract. 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. ⁺ Full cover of prescribed non-surgical cancer treatments and outpatient kidney dialysis are subject to the annual benefit limit, lifetime benefit limit, deductible (if any) and other conditions as stated in the product brochure and the policy contract. Further details of the terms, conditions, exclusions and limitations are provided in the policy contract. * If after a no claim discount has been deducted, a claim incurred in respect of previous 5 policy years is paid under AXA WiseGuard Pro Medical Insurance Plan, the no claim discount shall be re-calculated by taking into account the relevant claim paid, and the policy holder shall return to the Company the difference between the recalculated amount and the no claim discount actually paid to the policy holder immediately upon the Company’s reasonable request. For the avoidance of doubt, if a claim was incurred but no benefit was paid by reason of the deductible, the policy year concerned will still not be counted in the claim-free period. For details, please refer to the policy contract. ~ The (a) medical service providers providing the second medical opinion and (b) network doctors and network healthcare facilities providing medical services, are, respectively, independent contractors and are not agents or servants of AXA. AXA shall (i) not be held responsible for or liable to the policy holder or any of the insured person for anything in relation to such medical opinion given by the medical service providers and hospitals; and (ii) not have any obligation or liability whatsoever in relation to the medical services provided by the network doctors and the network healthcare facilities, and shall not be responsible for or liable to any act or failure to act on the part of the network doctors and network healthcare facilities. AXA reserves the right to amend the terms and conditions thereof from time to time without prior notice. > Please refer to the policy holder guide map for details of the additional services and procedure, which will be provided to you together with the policy contract after your policy takes effect. Please note that the terms of the services and procedures in relation to these additional services can be amended by AXA from time to time without prior notice.
AXA “Stands by You” Programme - Promotion offer
- From 25 April 2022 to 30 June 2022, once you successfully apply for a new basic plan/supplement of AXA WiseGuard Pro Medical Insurance Plan1 and satisfy other applicable requirements, you may enjoy up to 7 months’ premium refund%!
Relevant Information
Please click here to browse Promotional webpage from the insurance company. Terms and Conditions
- For product details of AXA WiseGuard Pro Medical Insurance Plan, please refer to the relevant proposals, product brochures and policy contracts.
- AXA “Stand by You” Programme (the “Promotion”) is offered by AXA China Region Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) / AXA China Region Insurance Company Limited / AXA General Insurance Hong Kong Limited (collectively “AXA”), from 25 April 2022 to 30 June 2022, both dates inclusive (the “Promotion Period”), subject to the following terms and conditions. Reward 1B - AXA WiseGuard Pro Medical Insurance Plan Premium Refund
- The Reward 1B (as defined in clause 4 below) of the Promotion is only applicable if the following requirements are satisfied: a. Customers successfully submit the applications for basic plan / supplement of AXA WiseGuard Pro Medical Insurance Plan (“Designated Health Basic Plan / Supplement”) during the Promotion Period; b. Such Designated Health Basic Plan / Supplement must be successfully issued / have its effective date commenced during the period from 25 April 2022 to 31 August 2022, both dates inclusive; and c. Annual payment mode must be selected for such Designated Health Basic Plan / Supplement. (The Designated Health Basic Plan / Supplement satisfying clause 3 above is hereinafter referred to as "Eligible Basic Plan/Eligible Supplement of Reward 1B")
- Each Eligible Basic Plan / Eligible Supplement of Reward 1B may be entitled to a one-off 4 months’ premium refund on future premium(s), the amount of which is equivalent to 33.33% of the annualised first year premium (“AFYP”) of the relevant Eligible Basic Plan / Eligible Supplement of Reward 1B (“Reward 1B”) on and in accordance with the following conditions: a. The AFYP is determined based on the benefit level of the policy as at the time the premium is refunded; b. If you have changed the benefit level of the Eligible Basic Plan / Eligible Supplement of Reward 1B after policy issuance, the AFYP applied in Reward 1B will not be equivalent to the actual amount of total premiums you paid for the first policy year. AFYP will be re-calculated based on the benefit level of Eligible Basic Plan / Eligible Supplement of Reward 1B as at the time of premium is refunded; c. The amount of AFYP is calculated by adding the standard premium and premium loading imposed due to underwriting (if any) of the policy. Levy will not be included in the calculation; d. The calculation of AFYP and Reward 1B shall be rounded up to the nearest 2 decimal places according to the policy currency (based on the AXA’s conversion table, if applicable) of the Eligible Basic Plan / Eligible Supplement of Reward 1B ; and Conversion Table - Exchange rate of foreign currencies against HKD – USD1 = HKD8.0 e. The Eligible Basic Plan / Eligible Supplement of Reward 1B must be in force and in annual payment mode at the time of the premium is refunded and all premiums due since policy effective date must be fully paid, failing which you will not be entitled to Reward 1B. If Eligible Basic Plan / Eligible Supplement of Reward 1B shall terminate for whatever reasons before / after the premium refund is fully applied on the policy, any portion of such premium refund not yet applied, and / or the respective reward will be forfeited and cannot be withdrawn or transferred.
- The policy owner of the Eligible Basic Plan / Eligible Supplement of Reward 1B will receive a notification letter by mail after the premium refund is credited to the future premium deposit account on or before 30 April 2023 and the notification letter will set out the details of the premium refund. The Reward 1B will then be applied to the premium payments of the second policy year and /or onwards as AXA deems appropriate.
- The Reward 1B will not be applicable to customers who have purchased the Designated Health Basic Plan / Supplement before the Promotion Period but subsequently cancelled such Designated Health Basic Plan / Supplement during its cooling off period and then re-applied for the same Designated Health Basic Plan / Supplement during the Promotion Period. Reward 1C - AXA WiseGuard Pro Medical Insurance Plan Additional Premium Refund
- The Reward 1C (as defined in clause 8 below) of the Promotion is only applicable if the following requirements are satisfied:
a. During the promotion period, customer successfully submit an application of designated basic plan / supplement of AXA WiseGuard Pro Medical Insurance Plan (“Designated AXA WiseGuard Pro Policy”) and is named as the proposed insured person in such application;
b. Customer is named as the insured person in an in-force policy of designated basic plan / supplement including AXA WiseGuard Medical Insurance Plan, Smart Medicare, MediPartner Health Plan, Smart Start Medical Insurance , HealthPak Insurance, HealthCare, Super Hospitalization Plan, Hospitalization Benefit / Juvenile Hospitalization Benefit and Complementary Medical Benefit (“Designated In-force Policy”) on 24 April 2022;
c. The Designated AXA WiseGuard Pro Policy must be successfully issued / have its effective date commenced during the period from 25 April 2022 to 31 August 2022, both dates inclusive; and
d. Annual payment mode must be selected for the Designated AXA WiseGuard Pro Policy.
(The Designated AXA WiseGuard Pro Policy satisfying clause 7 above is hereinafter referred to as “Eligible Basic Plan / Eligible Supplement of Reward 1C.)
- Each Eligible Basic Plan / Eligible Supplement of Reward 1C that has met the above requirements as set out in clause 7 may be entitled to 3 months’ premium refund in addition to the 4 months’ premium refund offered in Reward 1B on future premium(s), the amount of which is equivalent to 25% of the AFYP of the relevant Eligible Basic Plan / Eligible Supplement of Reward 1C (“Reward 1C”) on and in accordance with the following conditions:
a. The AFYP is determined based on the benefit level of the policy as at the time the relevant batch of the premium is refunded;
b. If you have changed the benefit level of the Eligible Basic Plan / Eligible Supplement of Reward 1C after policy issuance, the AFYP applied in Reward 1C will not be equivalent to the actual amount of total premiums you paid for the first policy year. AFYP will be re-calculated based on the benefit level of Eligible Basic Plan / Eligible Supplement of Reward 1C as at the time of the respective batch of premium is refunded;
c. The amount of AFYP is calculated by adding the standard premium and premium loading imposed due to underwriting (if any) of the policy. Levy will not be included in the calculation;
d. The calculation of AFYP and Reward 1C shall be rounded up to the nearest 2 decimal places according to the policy currency (based on the AXA’s conversion table, if applicable) of the Eligible Basic Plan / Eligible Supplement of Reward 1C ; and
Conversion Table - Exchange rate of foreign currencies against HKD – USD1 = HKD8.0
e. The Eligible Basic Plan / Eligible Supplement of Reward 1C above must be in force at the time of the respective batch of premium refund and all premiums due since policy effective date must be fully paid at the time of the respective batch of premium refund, failing which you will not be entitled to Reward 1C. The Eligible Basic Plan / Eligible Supplement of Reward 1C must be in annual payment mode at the time of premium is refunded. If Eligible Basic Plan / Eligible Supplement of Reward 1C shall terminate for whatever reasons before / after the premium refund is fully applied on the policy, any portion of such premium refund not yet applied, and / or the respective reward will be forfeited and cannot be withdrawn or transferred.
- For determining eligibility of Reward 1C, each Designated AXA WiseGuard Pro Policy may be eligible for Reward 1C provided that any Designated In-force Policy shall be paired with a Designated AXA WiseGuard Pro Policy once only. In the event that the number of Designated AXA WiseGuard Pro Policy exceeds the number of Designated In-force Policy, the Designated AXA WiseGuard Pro Policy with the greater / greatest (as the case maybe) annualised premium shall be deemed the Eligible Basic Plan / Eligible Supplement of Reward 1C.
- The premium refund will be given out in batch(es) according to the schedule below:
Batch of Premium Refund Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 1C Release Schedule for Premium Refund 1st batch1st monthBy 30 April 20232nd batch2nd monthBy 30 April 20243rd batch3rd monthBy 30 April 2025 - The policy owner of the Eligible Basic Plan / Eligible Supplement of Reward 1C will receive a notification letter by mail after the respective batch of premium refund is credited to the future premium deposit account according to the release schedule for premium refund stated above. The notification letter(s) will set out the details of the relevant premium refund. Reward 1C will then be applied to the premium payments of the second policy year and / or onwards as AXA deems appropriate.
- The Reward 1C will not be applicable to customers who have purchased the Designated AXA WiseGuard Pro Policy before the Promotion Period but subsequently cancelled such Designated AXA WiseGuard Pro Policy during its cooling off period and then re-applied for the same Designated AXA WiseGuard Pro Policy during the Promotion Period.
- Customer is only entitled to a maximum of 7 months’ premium refund on each AXA WiseGuard Pro Medical Insurance Plan under Reward 1B and Reward 1C. General provisions 1. The premium refund under this Promotion is non-transferable, non-refundable and cannot be exchanged or redeemed for cash under any circumstances. AXA reserves the right to alter or terminate the Promotion (in whole or in part) and / or amend the relevant terms and conditions of the Promotion at any time without prior notice. Any application under the Promotion previously approved will not be affected by subsequent alteration or termination of the Promotion and / or amendments to its terms and conditions. This webpage contains general information only. It does not constitute any offer for a basic plan or supplement (if applicable). For detailed terms, conditions and exclusions of the relevant basic plan and supplement (if applicable), please refer to the relevant proposals, product brochures and policy contracts. The premium refund under this Promotion is not guaranteed. Such application is subject to AXA’s approval. In case of any dispute, the decision of AXA shall be final and conclusive. For details, please refer to the relevant terms and conditions stated in the promotion leaflet Notes
- The words and expressions “insured”, “policy owner” and “supplement” shown in this content shall carry the same meanings as “insured person”, “policy holder” and “rider” (respectively and where applicable) stated in the policy contract of AXA WiseGuard Pro Medical Insurance Plan.
- The premium refund(s) under the Promotion will form part of the relevant policy contract(s) upon the respective basic plan(s) and / or the supplement(s) (if applicable) being issued, and the requirements of the relevant premium refund(s) under the terms and conditions of the Promotion having been fulfilled.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited will not be responsible for 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.
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 now to enjoy up to 6-month premium refund!
Product Highlights
- Coverage up to HK$30,000,000 per year
- 5 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
- Limited time offer - Enroll now to enjoy up to 6-month premium refund*
Eligible Plans include plans of HK$15,000, HK$25,000, HK$50,000 or HK$75,000 deductible (i.e. plans with HK$0 deductible are excepted) under the following plans.
- Promotion till 30 Jun 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 will not be responsible for 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.
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 will not be responsible for 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.
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$2,983#
Age 35 male
Avg. Premium :
$5,401
Average premium for male age 35 to 44
Limited Offer
Enjoy up to 6-month premium discount by applying with annual premium 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%
The above product information does not contain the full terms and benefits of the policy, exclusions and key product risks. For the full terms, benefits, exclusions and key product risks, please refer to the relevant policy provisions and product brochure.
Promotion offer
- Up to 6-month premium discount Customers may enjoy a 5-month premium discount by applying with annual premium payment mode within the promotion period. If customer applies for FWD designated VHIS Plan(s) for his/her specified relative(s) at the same time, each eligible policy will be entitled to an extra 1-month premium discount in the 1st policy year.
Only applicable for successful application falling within the period from 1 Jan 2022 to 30 Jun 2022 (both dates inclusive) and policies must be issued on or before 31 Jul 2022. # Premium is calculated after 5-month premium discount for the first year premium.
Relevant Information
*Terms and conditions apply. Please refer to the promotional flyer, product leaflet and policy provisions for details.
**Applicant can apply a tax deduction for the premium actually paid. Any premium refund or premium discount is ineligible for tax deduction. Further information on tax concessions applicable to VHIS may be found in IRD’s website at www.ird.gov.hk/en.
***vCANsurance Medical Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited, a company incorporated in Bermuda with limited liability (“FWD”).
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited will not be responsible for 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.
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 :
9.3/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
92.8%
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$2,691#
Age 35 male
Avg. Premium :
$4,429
Average premium for male age 35 to 44
Limited Offer
Enjoy up to 4-month premium waiver by using the promo code "BT10JUN"
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
- Enjoy up to 4-month premium waiver by using the promo code "BT10JUN"
- Only applicable for successful application from 1 June 2022 to 30 June 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.
# Premium is calculated after a 4-month premium waiver for Bowtie VHIS Flexi-Regular and 3-month premium waiver for Bowtie Cancer Fighter for cancer protection.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited will not be responsible for 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.
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.
- 10Life Product Comparison and 10Life Insurance Ratings are operated by 10Life Financial Limited, an authorised insurance broker with Insurance Authority License Number FB1526. 10Life Product Comparison and 10Life Insurance Ratings are developed for generic customer segments using mathematical calculations based on product information, facts and data, and are not influenced by any partnerships with or fees received from insurance companies.
- Any information on 10Life Platform ("10Life Information"), including but not limited to Product Comparison, Product Ratings, Blog Articles are intended for general education purpose and reference only and should not be constituted as any insurance, financial, investment or other professional advice or solicitation to buy insurance, financial or investment products. 10Life Information does not take into account your individual needs. Reading 10Life Information should not be considered as conducting a suitability assessment. You should only rely on information authorised by insurance companies and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While best effort is used when collecting, validating and updating 10Life Information from various channels, none of 10Life Group and its subsidiaries, affiliates, agents, directors, officers and employees will be responsible for any liability arising from using 10Life Information or for any claims and/or losses caused thereby, and no warranty or guarantee is made on the accuracy, completeness and timeliness of the information.
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