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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.
We found Mass Market Medical Insurance product(s) matching your selected filters.
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FWD | 富衛
vCANsurance Medical Plan (Standard)
Product Details
WardVHIS Flexi$0 Deductible
10.0/10100.0%$5,113$2,983#$5,401
10Life Rating
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Quote Now
FWD | 富衛
CANsurance Full Medical Plan Standard
Product Details
Ward$0 Deductible
10.0/1099.6%$4,431$4,786
10Life Rating
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
AXA | 安盛
AXA WiseGuard Pro Medical Insurance Plan (Regular)
Product Details
WardVHIS Flexi$0 Deductible
10.0/1099.6%$8,324$9,597
10Life Rating
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Action Now
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Bronze
Product Details
WardVHIS Flexi$0 Deductible
10.0/1099.6%$9,172$10,784
10Life Rating
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Learn more
FWD | 富衛
CANsurance Full Medical Plan Economy
Product Details
Ward$0 Deductible
9.8/1097.7%$3,978$4,297
10Life Rating
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
FTLife | 富通
MediCare Plus
Product Details
Ward$0 Deductible
9.2/1091.6%$4,673$5,282
10Life Rating
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Bowtie | 保泰人壽
Bowtie VHIS Flexi - Regular + Cancer Fighter 100
Product Details
WardVHIS Flexi$0 Deductible
9.2/1091.5%$3,588$2,926#$4,429
10Life Rating
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Product Website
Quote Now
Updated
FWD | 富衛
vCare Supreme Medical Plan
Product Details
WardVHIS Flexi$0 Deductible
9.1/1090.7%$4,104$4,680
10Life Rating
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Updated
Cigna | 信諾
Cigna VHIS Series – Flexi Plan (SMM)
Product Details
WardVHIS Flexi$0 Deductible
9.1/1090.5%$4,716$2,830#$5,207
10Life Rating
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Product Website
Quote Now
Bupa | 保柏
Together Hospital & Surgical + Supp Major Medical
Product Details
Ward$0 Deductible
8.8/1087.9%$4,737$5,671
10Life Rating
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Product Website
Mass Market Medical Insurance
We found Mass Market Medical Insurance product(s) matching your selected filters.
FWD | 富衛
vCANsurance Medical Plan (Standard)
WardVHIS Flexi$0 Deductible
10Life Rating : 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#
Age 35 male
Avg. Premium : $5,401
Average premium for male age 35 to 44
Quote Now
FWD | 富衛
CANsurance Full Medical Plan Standard
Ward$0 Deductible
10Life Rating : 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
Age 35 male
Avg. Premium : $4,786
Average premium for male age 35 to 44
AXA | 安盛
AXA WiseGuard Pro Medical Insurance Plan (Regular)
WardVHIS Flexi$0 Deductible
10Life Rating : 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
Age 35 male
Avg. Premium : $9,597
Average premium for male age 35 to 44
Action Now
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Bronze
WardVHIS Flexi$0 Deductible
10Life Rating : 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
Age 35 male
Avg. Premium : $10,784
Average premium for male age 35 to 44
Learn more
FWD | 富衛
CANsurance Full Medical Plan Economy
Ward$0 Deductible
10Life Rating : 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
Age 35 male
Avg. Premium : $4,297
Average premium for male age 35 to 44
FTLife | 富通
MediCare Plus
Ward$0 Deductible
10Life Rating : 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
Age 35 male
Avg. Premium : $5,282
Average premium for male age 35 to 44
Bowtie | 保泰人壽
Bowtie VHIS Flexi - Regular + Cancer Fighter 100
WardVHIS Flexi$0 Deductible
10Life Rating : 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 : 91.5%
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 : $3,588$2,926#
Age 35 male
Avg. Premium : $4,429
Average premium for male age 35 to 44
Quote Now
Updated
FWD | 富衛
vCare Supreme Medical Plan
WardVHIS Flexi$0 Deductible
10Life Rating : 9.1/10
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 : 90.7%
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 : $4,104
Age 35 male
Avg. Premium : $4,680
Average premium for male age 35 to 44
Updated
Cigna | 信諾
Cigna VHIS Series – Flexi Plan (SMM)
WardVHIS Flexi$0 Deductible
10Life Rating : 9.1/10
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 : $4,716$2,830#
Age 35 male
Avg. Premium : $5,207
Average premium for male age 35 to 44
Quote Now
Bupa | 保柏
Together Hospital & Surgical + Supp Major Medical
Ward$0 Deductible
10Life Rating : 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
Age 35 male
Avg. Premium : $5,671
Average premium for male age 35 to 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.
  3. 10Life Insurance Product Ratings are based on facts and data, and are not be influenced by any partnerships with insurance companies.

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