Children Medical Insurance for Age 6 to 11
Chinese version only.
10.0/10 | 100.0% | 6 | $8,532$4,977# | $9,159 | |
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 |
Product Highlights
To boost up your health protection in a smarter way
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.
vBooster Medical Plan (VHIS Plan Certification Number: F00069) 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).
*Premium discounts for the 2nd and 3rd policy year are only applicable to HKD100,000 / HKD180,000 Deductible option
^Per a comparison made by FWD on 9 January 2023 among the key insurers available in the VHIS market in Hong Kong
@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 discount of 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.
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 |
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 |
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 |
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 |
% 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. For product details of AXA WiseGuard Pro Medical Insurance Plan, please refer to the relevant proposals, product brochures and policy contracts. ^ 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 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, 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.
Batch of Premium Refund | Premium Refund on Each Eligible Basic Plan /Eligible Supplement of Reward 1A | Release Schedule for Premium Refund |
1st batch | 1st - 7th month | By 30 November 2023 |
2nd batch | 8th - 12th month | By 30 November 2024 |
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.
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 |
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 |
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.
10.0/10 | 99.7% | 3 | $9,172$6,420# | $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 |
* 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
Apply online with promo code ’30MEDI' to enjoy 30% 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 30% 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.
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 |
Terms and conditions of the promotion apply. For more detail, please contact your financial advisor or call our Service Hotline at 3123 3123.
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.
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 |
Product Highlights
To boost up your health protection in a smarter way
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.
vBooster Medical Plan (VHIS Plan Certification Number: F00069) 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).
*Premium discounts for the 2nd and 3rd policy year are only applicable to HKD100,000 / HKD180,000 Deductible option
^Per a comparison made by FWD on 9 January 2023 among the key insurers available in the VHIS market in Hong Kong
@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 discount of 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.
% 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. For product details of AXA WiseGuard Pro Medical Insurance Plan, please refer to the relevant proposals, product brochures and policy contracts. ^ 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 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, 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.
Batch of Premium Refund | Premium Refund on Each Eligible Basic Plan /Eligible Supplement of Reward 1A | Release Schedule for Premium Refund |
1st batch | 1st - 7th month | By 30 November 2023 |
2nd batch | 8th - 12th month | By 30 November 2024 |
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.
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.
* 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
Apply online with promo code ’30MEDI' to enjoy 30% 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 30% 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.
Terms and conditions of the promotion apply. For more detail, please contact your financial advisor or call our Service Hotline at 3123 3123.
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.
While both is often categorised under “health insurance”, they are very different in nature.
Medical insurance is also known as hospitalisation insurance. The main purpose is to cover the medical expenses if the insured is hospitalised, with some products also covering specific outpatient treatments. Claims are on an expense reimbursement basis, on the condition that the expense is “Medical Necessary”.
Critical illness insurance covers the insured against specified diseases. A lump sum benefit is paid if the insured is diagnosed with a specified disease that matches the definition in the policy provisions. In general, insurance companies do not limit the usage of the benefit payment.
Traditional medical insurance defines coverage limits item by item, e.g. room and board, surgeon fee, miscellaneous fee, etc… If the medical expense on particular item exceeds the limit, one may recover the excess from Supplementary Major Medical (if available, and after any co-payment), and any further excess needs to be paid out-of-pocket by the insured.
“Full Coverage” medical insurance generally does not limit the coverage amount in a single item. The medical expense can be covered as long as it does not exceed the per policy year, per disability or lifetime limit. However, the relevant medical expense needs to be “Medical Necessary” and “Reasonable and Customary”.
Remarks:
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