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Mass Market Medical Insurance
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 room) admitted at a Hong Kong private hospital.
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VHIS
Gender
Life Stage
Room Type
Average Annual Premium (Next 10 Years) HKD
0-50,000
Deductible (HKD)
The amount policyholder pays for covered health services before medical insurance plan starts to pay. This helps reduce the price of medical insurance.
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Insurer/ Company28 / 28
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FWD | vCANsurance Medical Plan (Standard)
WardVHIS Flexi$0 Deductible
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $5,113 $2,983# (male age 35)
Avg. Premium : $5,401 (male age 35-44)
Quote Now
FWD | CANsurance Full Medical Plan Standard
Ward$0 Deductible
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 99.6%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $4,431 (male age 35)
Avg. Premium : $4,786 (male age 35-44)
AXA | AXA WiseGuard Pro Medical Insurance Plan (Regular)
WardVHIS Flexi$0 Deductible
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 99.6%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $8,324 (male age 35)
Avg. Premium : $9,597 (male age 35-44)
Action Now
HSBC Life | HSBC Voluntary Health Insurance Flexi Plan Bronze
WardVHIS Flexi$0 Deductible
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 99.6%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $9,172 (male age 35)
Avg. Premium : $10,784 (male age 35-44)
Learn more
FWD | CANsurance Full Medical Plan Economy
Ward$0 Deductible
9.8/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 97.7%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $3,978 (male age 35)
Avg. Premium : $4,297 (male age 35-44)
HSBC | FirstCare Plus Standard Plan
Ward$0 Deductible
9.7/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 97.2%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $6,336 (male age 35)
Avg. Premium : $7,495 (male age 35-44)
HSBC | FirstCare Plus Saver Plan
Ward$0 Deductible
9.5/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 94.7%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $4,728 (male age 35)
Avg. Premium : $5,603 (male age 35-44)
FTLife | MediCare Plus
Ward$0 Deductible
9.2/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 91.6%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $4,673 (male age 35)
Avg. Premium : $5,282 (male age 35-44)
FWD | vCare Supreme Medical Plan
WardVHIS Flexi$0 Deductible
9.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 90.5%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $4,104 (male age 35)
Avg. Premium : $4,680 (male age 35-44)
Bupa | Together Hospital & Surgical + Supp Major Medical
Ward$0 Deductible
8.8/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 87.9%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $4,737 (male age 35)
Avg. Premium : $5,671 (male age 35-44)
Product Website
Mass Market Medical Insurance
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
FWD | vCANsurance Medical Plan (Standard)
WardVHIS Flexi$0 Deductible
Estimated Average Coverage : 100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $5,113 $2,983# (male age 35)
Avg. Premium : $5,401 (male age 35-44)
Quote Now
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
FWD | CANsurance Full Medical Plan Standard
Ward$0 Deductible
Estimated Average Coverage : 99.6%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $4,431 (male age 35)
Avg. Premium : $4,786 (male age 35-44)
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
AXA | AXA WiseGuard Pro Medical Insurance Plan (Regular)
WardVHIS Flexi$0 Deductible
Estimated Average Coverage : 99.6%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $8,324 (male age 35)
Avg. Premium : $9,597 (male age 35-44)
Action Now
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
HSBC Life | HSBC Voluntary Health Insurance Flexi Plan Bronze
WardVHIS Flexi$0 Deductible
Estimated Average Coverage : 99.6%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $9,172 (male age 35)
Avg. Premium : $10,784 (male age 35-44)
Learn more
9.8/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
FWD | CANsurance Full Medical Plan Economy
Ward$0 Deductible
Estimated Average Coverage : 97.7%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $3,978 (male age 35)
Avg. Premium : $4,297 (male age 35-44)
9.7/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
HSBC | FirstCare Plus Standard Plan
Ward$0 Deductible
Estimated Average Coverage : 97.2%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $6,336 (male age 35)
Avg. Premium : $7,495 (male age 35-44)
9.5/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
HSBC | FirstCare Plus Saver Plan
Ward$0 Deductible
Estimated Average Coverage : 94.7%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $4,728 (male age 35)
Avg. Premium : $5,603 (male age 35-44)
9.2/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
FTLife | MediCare Plus
Ward$0 Deductible
Estimated Average Coverage : 91.6%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $4,673 (male age 35)
Avg. Premium : $5,282 (male age 35-44)
9.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
FWD | vCare Supreme Medical Plan
WardVHIS Flexi$0 Deductible
Estimated Average Coverage : 90.5%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $4,104 (male age 35)
Avg. Premium : $4,680 (male age 35-44)
8.8/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Bupa | Together Hospital & Surgical + Supp Major Medical
Ward$0 Deductible
Estimated Average Coverage : 87.9%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium : $4,737 (male age 35)
Avg. Premium : $5,671 (male age 35-44)
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:

  1. The above premium excludes insurance levy collected by the Insurance Authority.
  2. The information on 10Life is intended for general education purpose and reference only, and does not constitute any insurance, financial, investment or other professional purchase advice or solicitation to buy insurance, financial or investment products. 10Life Product Ratings and Scores are mathematical calculations based on public product information and assumptions for generic customer segments. The Product Ratings and Scores DO NOT reflect YOUR personal needs. 10Life hereby excludes any liability arising from using the information and will not make warranty or guarantee on the accuracy, completeness and timeliness of the information or for any claims and / or losses caused thereby. You should seek independent professional advice and review the insurance product information carefully before purchasing any insurance products. The information shown in the communications placed on 10Life does not constitute an offer or solicitation for the purchase or sale of any banking or insurance products or services.

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