Children Medical Insurance for Age 6 to 11
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Medical Insurance mainly covers the hospitalisation costs incurred on a cost reimbursement basis. The policy is renewed annually with premium based on attained age of the insured. Most products have coverage limits on certain cost categories, while some products are based on “full coverage” structure. We compare the products based on the coverage ratios under different common medical scenarios, the medical expenses of which are adjusted accordingly based on the room type (ward/ semi-private/ private room) admitted at a Hong Kong private hospital.
Below are the 3 types of medical insurance:
Below are the 3 types of medical insurance:
- Voluntary Health Insurance Scheme (VHIS): The VHIS policyholder can enjoy tax deductions on premium paid. The VHIS Standard plan is based on the minimum standards prescribed by the government. The VHIS Flexi plan is built upon the Standard plan by providing higher coverage through higher benefit limits or adding supplementary major medical coverage.
- Medical Insurance: It covers medical expenses for various ward classes and different geographical regions such as Asia, Global excluding US.
- International Medical Insurance: It covers medical expenses globally. Most of the plans offer "full coverage" on most individual medical expense categories with an overall annual limit. Designed for people who prefer the best-in-class medical services in private hospitals.
We found Medical Insurance product(s) matching your selected filters.
Sort by
Private$0 DeductibleAsiaFull Coverage
| 10.0/10 | 100.0% | 7 | $18,143 | $19,868 | |
Medical Coverage Score Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Average Coverage Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details | Medical Inflation Protection Medical Inflation Protection means
| Number of Additional Features Based on the coverage of 8 selected additional features. Details | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
Limited offer
Enroll with family members to enjoy supermarket voucher (up to HK$2,800 for a family of 4). Adult person insured can enjoy up to 6-month premium refund on top.
Product Highlight
- Annual benefit limit up to HK$50M. Unlimited Lifetime claims. Enjoy cashless hospitalization service for treatment in standard private rooms in up to 7,000+ hospitals in Asia or worldwide.
- Full cover for all cancer surgery expenses and treatments On top of common cancer treatment such as chemotherapy and radiotherapy, Elite also covers expenses of targeted therapy, proton therapy, and the use of gamma knife and cyberknife, and all related outpatient expenses within 30 days before or 365 days after confinement or day case procedure.
- Deductible options to suit your budget
- HK$2,000 per day of hospital cash
- Guaranteed renewal and a free health check upon renewal. Annual benefit limit will reset to HK$50M regardless of claims record each year.
Promotion Offer
- Enroll with family members to enjoy supermarket voucher (up to HK$2,800 for a family of 4). Adult person insured can enjoy up to 6-month premium refund on top Eligible Plans include plans of HK$15,000, HK$25,000, HK$50,000 or HK$75,000 deductible under the following plans, regardless of room type or area of cover: Cigna HealthFirst Elite Medical Plan (Premium refund offer is not applicable to person insured under age 18)
- Enroll in Cigna HealthFirst Elite Medical Plan together with your children and you will enjoy 50% off their insurance premiums every year until they reach 18
- Promotion till 31 October 2022
Relevant Information
Terms and conditions apply. Please refer to the product brochure and terms & conditions.
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.
Private$0 DeductibleGlobal-ex-USFull Coverage
| 10.0/10 | 100.0% | 7 | $25,601 | $28,196 | |
Medical Coverage Score Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Average Coverage Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details | Medical Inflation Protection Medical Inflation Protection means
| Number of Additional Features Based on the coverage of 8 selected additional features. Details | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
Limited offer
Enroll with family members to enjoy supermarket voucher (up to HK$2,800 for a family of 4). Adult person insured can enjoy up to 6-month premium refund on top.
Product Highlight
- Annual benefit limit up to HK$50M. Unlimited Lifetime claims. Enjoy cashless hospitalization service for treatment in standard private rooms in up to 7,000+ hospitals in Asia or worldwide.
- Full cover for all cancer surgery expenses and treatments On top of common cancer treatment such as chemotherapy and radiotherapy, Elite also covers expenses of targeted therapy, proton therapy, and the use of gamma knife and cyberknife, and all related outpatient expenses within 30 days before or 365 days after confinement or day case procedure.
- Deductible options to suit your budget
- HK$2,000 per day of hospital cash
- Guaranteed renewal and a free health check upon renewal. Annual benefit limit will reset to HK$50M regardless of claims record each year.
Promotion Offer
- Enroll with family members to enjoy supermarket voucher (up to HK$2,800 for a family of 4). Adult person insured can enjoy up to 6-month premium refund on top Eligible Plans include plans of HK$15,000, HK$25,000, HK$50,000 or HK$75,000 deductible under the following plans, regardless of room type or area of cover: Cigna HealthFirst Elite Medical Plan (Premium refund offer is not applicable to person insured under age 18)
- Enroll in Cigna HealthFirst Elite Medical Plan together with your children and you will enjoy 50% off their insurance premiums every year until they reach 18
- Promotion till 31 October 2022
Relevant Information
Terms and conditions apply. Please refer to the product brochure and terms & conditions.
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.
Private$0 DeductibleGlobalFull Coverage
| 10.0/10 | 100.0% | 7 | $47,182 | $51,670 | |
Medical Coverage Score Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Average Coverage Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details | Medical Inflation Protection Medical Inflation Protection means
| Number of Additional Features Based on the coverage of 8 selected additional features. Details | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
Limited offer
Enroll with family members to enjoy supermarket voucher (up to HK$2,800 for a family of 4). Adult person insured can enjoy up to 6-month premium refund on top.
Product Highlight
- Annual benefit limit up to HK$50M. Unlimited Lifetime claims. Enjoy cashless hospitalization service for treatment in standard private rooms in up to 7,000+ hospitals in Asia or worldwide.
- Full cover for all cancer surgery expenses and treatments On top of common cancer treatment such as chemotherapy and radiotherapy, Elite also covers expenses of targeted therapy, proton therapy, and the use of gamma knife and cyberknife, and all related outpatient expenses within 30 days before or 365 days after confinement or day case procedure.
- Deductible options to suit your budget
- HK$2,000 per day of hospital cash
- Guaranteed renewal and a free health check upon renewal. Annual benefit limit will reset to HK$50M regardless of claims record each year.
Promotion Offer
- Enroll with family members to enjoy supermarket voucher (up to HK$2,800 for a family of 4). Adult person insured can enjoy up to 6-month premium refund on top Eligible Plans include plans of HK$15,000, HK$25,000, HK$50,000 or HK$75,000 deductible under the following plans, regardless of room type or area of cover: Cigna HealthFirst Elite Medical Plan (Premium refund offer is not applicable to person insured under age 18)
- Enroll in Cigna HealthFirst Elite Medical Plan together with your children and you will enjoy 50% off their insurance premiums every year until they reach 18
- Promotion till 31 October 2022
Relevant Information
Terms and conditions apply. Please refer to the product brochure and terms & conditions.
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.
PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
| 10.0/10 | 100.0% | 6 | $14,376$12,938# | $16,785 | |
Medical Coverage Score Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Average Coverage Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details | Medical Inflation Protection Medical Inflation Protection means
| Number of Additional Features Based on the coverage of 8 selected additional features. Details | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
Limited time offer
Enjoy up to 46% off for single enrolment in October! Enrol with your family members or add more optional benefits to enjoy up to 54% off!
Product Highlights
- Annual benefit limit up to HK$35 million per year Treatment expenses include lung disease, cirrhosis, stroke & prescribed diagnostic imaging tests (e.g. MRI and CT scans). Treatment received in Asia, Australia and New Zealand
- Full cover for all eligible cancer surgery expenses and treatments Such as chemotherapy or targeted therapy and all related outpatient expenses within 90 days before and 365 days after confinement or day case procedure
- 4 deductible options are available. Deductible for related treatments will be waived if you’re diagnosed with cancer
- Supplementary Critical Illness Benefit cover up to 98% critical illness Including cancer, heart attack, stroke. Extra living expenses up to HK$330,000
Promotion Offer
- Enjoy up to 46% off for single enrolment! Enrol with your family members or add more optional benefits to enjoy up to 54% off!
From now to 31 October 2022 (both dates inclusive), enjoy up to 46% off for single enrolment! Enrol with your family members or add more optional benefits to enjoy up to 54% off! - Up to 46% off for one Enjoy up to 46% off for one person's enrolment.
＃The Eligible Scheme must come into effect on 1 November 2022 with annual premium payment paid.
Relevant Information
Terms and conditions apply. Please refer to the product leaflet and product provision for details.
* Premium is calculated after 46% off discount for the first year premium.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
PrivateVHIS Flexi$0 DeductibleGlobal-ex-USFull Coverage
| 10.0/10 | 100.0% | 6 | $15,972 | $18,649 | |
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 |
Private$0 DeductibleAsiaFull Coverage
| 10.0/10 | 100.0% | 6 | $18,651 | $21,528 | |
Medical Coverage Score Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Average Coverage Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details | Medical Inflation Protection Medical Inflation Protection means
| Number of Additional Features Based on the coverage of 8 selected additional features. Details | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
Limited-time offer
Enjoy up to 50% discount in the first year when enrolling in the Cigna Cathay Premier Health Plan via Cathay website.
Promotion offer
- Limited-time offer Enjoy up to a 50% discount when enrolling in Cigna Cathay Premier Health Plan via the Cathay website. On top of that, policyholders can earn up to 22,000 miles upon joining Wellness Journey with Cathay app.
- The promotion is a limited-time offer and applicable to the successful application including payment from 01 September 2022 to 30 November 2022.
* Terms and conditions apply.
Relevant information
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
| 10.0/10 | 100.0% | 6 | $19,189$7,676# | $22,130 | |
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 (1st policy year) + 6-month premium discount (2nd policy year) (only applicable to HKD120,000 / HKD250,000 Deductible option) + extra 20% premium discount upon successful application with annual payment mode
Product Highlights
The one plan that opens a world of privileged medical services
- Full cover for a series of hospitalisation and surgical expenses in Standard Private Room
- Annual Benefit Limit of up to HKD 35 million* and without Lifetime Benefit Limit
- Various territorial scope of cover and with 6 deductible options (including HKD 250,000 deductible option which is first-in-VHIS-market^)
- First-dollar coverage -Deductible waived for designated crises (including Cancer, Heart Attack and Stroke) (if applicable) which is first-in-VHIS-market^
- Additional benefit for Prescribed Non-surgical Cancer Treatment, kidney dialysis and organ or bone marrow transplantation
- 5 cash benefits, including (i) cash benefit for major and complex surgeries and (ii) cash benefit for Confinement in Intensive Care Unit in Hong Kong which are first-in-VHIS-market^
- Option to reduce or remove your deductible once per lifetime and / or [First-in-VHIS-market^] upgrade your benefit level once per lifetime at designated ages without providing further proof of your health condition
- Dementia Support Program and MINDcierge service which are first-in-VHIS-market^
- Guaranteed Renewable up to Age 100 (attained age) of the Insured Person
- Individual and extra no claims premium discount available up to 25%
- Covers unknown Pre-existing Conditions+ starting from the 31st day of the first policy year
- vTheOne Medical Plan meets Government's regulatory standards. And if you are a Hong Kong taxpayer, you can claim tax deductions of up to HKD8,000 per insured person for the premium(s) paid for yourself and/or your specified relatives per assessment year@
Promotion Offer
- Limited Time Offer
Successful application with annual payment mode on or before 31 Dec 2022 can enjoy up to 6-month premium discount (1st policy year) + 6-month premium discount (2nd policy year) (only applicable to HKD120,000 / HKD250,000 Deductible option) + extra 20% premium discount offer Terms and conditions of the promotion apply. For more detail, please refer to the relevant promotion leaflet.
Relevant Information
The above is FWD-sponsored content with information provided by FWD. 10Life is not authorized by FWD to process and/or provide any insurance-related products and/or services, and shall not provide any opinions or advice on insurance. Readers shall evaluate information herein on their own or seek advice from independent experts. The product information in this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan.
vTheOne Medical Plan (VHIS Plan Certification Number: F00067) 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).
*HKD 35 million Annual Benefit Limit is applicable to Standard Plus.
^Per a comparison made by FWD on 11 July 2022 among the VHIS medical plans of key insurers available in Hong Kong.
+Congenital Condition is only covered for condition which has manifested or been diagnosed after the Age of 8 (attained age) of the Insured Person.
@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.
Private$0 DeductibleGlobal-ex-USFull Coverage
| 10.0/10 | 100.0% | 6 | $26,391 | $30,462 | |
Medical Coverage Score Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Average Coverage Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details | Medical Inflation Protection Medical Inflation Protection means
| Number of Additional Features Based on the coverage of 8 selected additional features. Details | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
Limited-time offer
Enjoy up to 50% discount in the first year when enrolling in the Cigna Cathay Premier Health Plan via Cathay website.
Promotion offer
- Limited-time offer Enjoy up to a 50% discount when enrolling in Cigna Cathay Premier Health Plan via the Cathay website. On top of that, policyholders can earn up to 22,000 miles upon joining Wellness Journey with Cathay app.
- The promotion is a limited-time offer and applicable to the successful application including payment from 01 September 2022 to 30 November 2022.
* Terms and conditions apply.
Relevant information
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
PrivateVHIS Flexi$0 DeductibleGlobalFull Coverage
| 10.0/10 | 100.0% | 6 | $40,138$16,055# | $45,962 | |
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 (1st policy year) + 6-month premium discount (2nd policy year) (only applicable to HKD120,000 / HKD250,000 Deductible option) + extra 20% premium discount upon successful application with annual payment mode
Product Highlights
The one plan that opens a world of privileged medical services
- Full cover for a series of hospitalisation and surgical expenses in Standard Private Room
- Annual Benefit Limit of up to HKD 35 million* and without Lifetime Benefit Limit
- Various territorial scope of cover and with 6 deductible options (including HKD 250,000 deductible option which is first-in-VHIS-market^)
- First-dollar coverage -Deductible waived for designated crises (including Cancer, Heart Attack and Stroke) (if applicable) which is first-in-VHIS-market^
- Additional benefit for Prescribed Non-surgical Cancer Treatment, kidney dialysis and organ or bone marrow transplantation
- 5 cash benefits, including (i) cash benefit for major and complex surgeries and (ii) cash benefit for Confinement in Intensive Care Unit in Hong Kong which are first-in-VHIS-market^
- Option to reduce or remove your deductible once per lifetime and / or [First-in-VHIS-market^] upgrade your benefit level once per lifetime at designated ages without providing further proof of your health condition
- Dementia Support Program and MINDcierge service which are first-in-VHIS-market^
- Guaranteed Renewable up to Age 100 (attained age) of the Insured Person
- Individual and extra no claims premium discount available up to 25%
- Covers unknown Pre-existing Conditions+ starting from the 31st day of the first policy year
- vTheOne Medical Plan meets Government's regulatory standards. And if you are a Hong Kong taxpayer, you can claim tax deductions of up to HKD8,000 per insured person for the premium(s) paid for yourself and/or your specified relatives per assessment year@
Promotion Offer
- Limited Time Offer
Successful application with annual payment mode on or before 31 Dec 2022 can enjoy up to 6-month premium discount (1st policy year) + 6-month premium discount (2nd policy year) (only applicable to HKD120,000 / HKD250,000 Deductible option) + extra 20% premium discount offer Terms and conditions of the promotion apply. For more detail, please refer to the relevant promotion leaflet.
Relevant Information
The above is FWD-sponsored content with information provided by FWD. 10Life is not authorized by FWD to process and/or provide any insurance-related products and/or services, and shall not provide any opinions or advice on insurance. Readers shall evaluate information herein on their own or seek advice from independent experts. The product information in this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan.
vTheOne Medical Plan (VHIS Plan Certification Number: F00067) 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).
*HKD 35 million Annual Benefit Limit is applicable to Standard Plus.
^Per a comparison made by FWD on 11 July 2022 among the VHIS medical plans of key insurers available in Hong Kong.
+Congenital Condition is only covered for condition which has manifested or been diagnosed after the Age of 8 (attained age) of the Insured Person.
@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.
Private$0 DeductibleGlobalFull Coverage
| 10.0/10 | 100.0% | 6 | $48,474 | $55,951 | |
Medical Coverage Score Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details | Average Coverage Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details | Medical Inflation Protection Medical Inflation Protection means
| Number of Additional Features Based on the coverage of 8 selected additional features. Details | First Year Premium Age 35 male | Avg. Premium Average premium for male age 35 to 44 |
Limited-time offer
Enjoy up to 50% discount in the first year when enrolling in the Cigna Cathay Premier Health Plan via Cathay website.
Promotion offer
- Limited-time offer Enjoy up to a 50% discount when enrolling in Cigna Cathay Premier Health Plan via the Cathay website. On top of that, policyholders can earn up to 22,000 miles upon joining Wellness Journey with Cathay app.
- The promotion is a limited-time offer and applicable to the successful application including payment from 01 September 2022 to 30 November 2022.
* Terms and conditions apply.
Relevant information
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
We found Medical Insurance product(s) matching your selected filters.
Cigna | 信諾
Cigna HealthFirst Elite Medical 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 :
7
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$18,143
Age 35 male
Avg. Premium :
$19,868
Average premium for male age 35 to 44
Limited offer
Enroll with family members to enjoy supermarket voucher (up to HK$2,800 for a family of 4). Adult person insured can enjoy up to 6-month premium refund on top.
Product Highlight
- Annual benefit limit up to HK$50M. Unlimited Lifetime claims. Enjoy cashless hospitalization service for treatment in standard private rooms in up to 7,000+ hospitals in Asia or worldwide.
- Full cover for all cancer surgery expenses and treatments On top of common cancer treatment such as chemotherapy and radiotherapy, Elite also covers expenses of targeted therapy, proton therapy, and the use of gamma knife and cyberknife, and all related outpatient expenses within 30 days before or 365 days after confinement or day case procedure.
- Deductible options to suit your budget
- HK$2,000 per day of hospital cash
- Guaranteed renewal and a free health check upon renewal. Annual benefit limit will reset to HK$50M regardless of claims record each year.
Promotion Offer
- Enroll with family members to enjoy supermarket voucher (up to HK$2,800 for a family of 4). Adult person insured can enjoy up to 6-month premium refund on top Eligible Plans include plans of HK$15,000, HK$25,000, HK$50,000 or HK$75,000 deductible under the following plans, regardless of room type or area of cover: Cigna HealthFirst Elite Medical Plan (Premium refund offer is not applicable to person insured under age 18)
- Enroll in Cigna HealthFirst Elite Medical Plan together with your children and you will enjoy 50% off their insurance premiums every year until they reach 18
- Promotion till 31 October 2022
Relevant Information
Terms and conditions apply. Please refer to the product brochure and terms & conditions.
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.
Cigna | 信諾
Cigna HealthFirst Elite Medical 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 :
7
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$25,601
Age 35 male
Avg. Premium :
$28,196
Average premium for male age 35 to 44
Limited offer
Enroll with family members to enjoy supermarket voucher (up to HK$2,800 for a family of 4). Adult person insured can enjoy up to 6-month premium refund on top.
Product Highlight
- Annual benefit limit up to HK$50M. Unlimited Lifetime claims. Enjoy cashless hospitalization service for treatment in standard private rooms in up to 7,000+ hospitals in Asia or worldwide.
- Full cover for all cancer surgery expenses and treatments On top of common cancer treatment such as chemotherapy and radiotherapy, Elite also covers expenses of targeted therapy, proton therapy, and the use of gamma knife and cyberknife, and all related outpatient expenses within 30 days before or 365 days after confinement or day case procedure.
- Deductible options to suit your budget
- HK$2,000 per day of hospital cash
- Guaranteed renewal and a free health check upon renewal. Annual benefit limit will reset to HK$50M regardless of claims record each year.
Promotion Offer
- Enroll with family members to enjoy supermarket voucher (up to HK$2,800 for a family of 4). Adult person insured can enjoy up to 6-month premium refund on top Eligible Plans include plans of HK$15,000, HK$25,000, HK$50,000 or HK$75,000 deductible under the following plans, regardless of room type or area of cover: Cigna HealthFirst Elite Medical Plan (Premium refund offer is not applicable to person insured under age 18)
- Enroll in Cigna HealthFirst Elite Medical Plan together with your children and you will enjoy 50% off their insurance premiums every year until they reach 18
- Promotion till 31 October 2022
Relevant Information
Terms and conditions apply. Please refer to the product brochure and terms & conditions.
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.
Cigna | 信諾
Cigna HealthFirst Elite Medical 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 :
7
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$47,182
Age 35 male
Avg. Premium :
$51,670
Average premium for male age 35 to 44
Limited offer
Enroll with family members to enjoy supermarket voucher (up to HK$2,800 for a family of 4). Adult person insured can enjoy up to 6-month premium refund on top.
Product Highlight
- Annual benefit limit up to HK$50M. Unlimited Lifetime claims. Enjoy cashless hospitalization service for treatment in standard private rooms in up to 7,000+ hospitals in Asia or worldwide.
- Full cover for all cancer surgery expenses and treatments On top of common cancer treatment such as chemotherapy and radiotherapy, Elite also covers expenses of targeted therapy, proton therapy, and the use of gamma knife and cyberknife, and all related outpatient expenses within 30 days before or 365 days after confinement or day case procedure.
- Deductible options to suit your budget
- HK$2,000 per day of hospital cash
- Guaranteed renewal and a free health check upon renewal. Annual benefit limit will reset to HK$50M regardless of claims record each year.
Promotion Offer
- Enroll with family members to enjoy supermarket voucher (up to HK$2,800 for a family of 4). Adult person insured can enjoy up to 6-month premium refund on top Eligible Plans include plans of HK$15,000, HK$25,000, HK$50,000 or HK$75,000 deductible under the following plans, regardless of room type or area of cover: Cigna HealthFirst Elite Medical Plan (Premium refund offer is not applicable to person insured under age 18)
- Enroll in Cigna HealthFirst Elite Medical Plan together with your children and you will enjoy 50% off their insurance premiums every year until they reach 18
- Promotion till 31 October 2022
Relevant Information
Terms and conditions apply. Please refer to the product brochure and terms & conditions.
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.
Bupa | 保柏
Bupa Hero VHIS Plan (Deluxe)
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 :
$14,376$12,938#
Age 35 male
Avg. Premium :
$16,785
Average premium for male age 35 to 44
Limited time offer
Enjoy up to 46% off for single enrolment in October! Enrol with your family members or add more optional benefits to enjoy up to 54% off!
Product Highlights
- Annual benefit limit up to HK$35 million per year Treatment expenses include lung disease, cirrhosis, stroke & prescribed diagnostic imaging tests (e.g. MRI and CT scans). Treatment received in Asia, Australia and New Zealand
- Full cover for all eligible cancer surgery expenses and treatments Such as chemotherapy or targeted therapy and all related outpatient expenses within 90 days before and 365 days after confinement or day case procedure
- 4 deductible options are available. Deductible for related treatments will be waived if you’re diagnosed with cancer
- Supplementary Critical Illness Benefit cover up to 98% critical illness Including cancer, heart attack, stroke. Extra living expenses up to HK$330,000
Promotion Offer
- Enjoy up to 46% off for single enrolment! Enrol with your family members or add more optional benefits to enjoy up to 54% off!
From now to 31 October 2022 (both dates inclusive), enjoy up to 46% off for single enrolment! Enrol with your family members or add more optional benefits to enjoy up to 54% off! - Up to 46% off for one Enjoy up to 46% off for one person's enrolment.
＃The Eligible Scheme must come into effect on 1 November 2022 with annual premium payment paid.
Relevant Information
Terms and conditions apply. Please refer to the product leaflet and product provision for details.
* Premium is calculated after 46% off discount for the first year premium.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
Bupa | 保柏
Bupa Hero VHIS Plan (Deluxe Pro)
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 :
$15,972
Age 35 male
Avg. Premium :
$18,649
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 :
$18,651
Age 35 male
Avg. Premium :
$21,528
Average premium for male age 35 to 44
Limited-time offer
Enjoy up to 50% discount in the first year when enrolling in the Cigna Cathay Premier Health Plan via Cathay website.
Promotion offer
- Limited-time offer Enjoy up to a 50% discount when enrolling in Cigna Cathay Premier Health Plan via the Cathay website. On top of that, policyholders can earn up to 22,000 miles upon joining Wellness Journey with Cathay app.
- The promotion is a limited-time offer and applicable to the successful application including payment from 01 September 2022 to 30 November 2022.
* Terms and conditions apply.
Relevant information
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
FWD | 富衛
vTheOne Medical Plan (Standard Plus)
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 :
$19,189$7,676#
Age 35 male
Avg. Premium :
$22,130
Average premium for male age 35 to 44
Limited offer
Enjoy up to 6-month (1st policy year) + 6-month premium discount (2nd policy year) (only applicable to HKD120,000 / HKD250,000 Deductible option) + extra 20% premium discount upon successful application with annual payment mode
Product Highlights
The one plan that opens a world of privileged medical services
- Full cover for a series of hospitalisation and surgical expenses in Standard Private Room
- Annual Benefit Limit of up to HKD 35 million* and without Lifetime Benefit Limit
- Various territorial scope of cover and with 6 deductible options (including HKD 250,000 deductible option which is first-in-VHIS-market^)
- First-dollar coverage -Deductible waived for designated crises (including Cancer, Heart Attack and Stroke) (if applicable) which is first-in-VHIS-market^
- Additional benefit for Prescribed Non-surgical Cancer Treatment, kidney dialysis and organ or bone marrow transplantation
- 5 cash benefits, including (i) cash benefit for major and complex surgeries and (ii) cash benefit for Confinement in Intensive Care Unit in Hong Kong which are first-in-VHIS-market^
- Option to reduce or remove your deductible once per lifetime and / or [First-in-VHIS-market^] upgrade your benefit level once per lifetime at designated ages without providing further proof of your health condition
- Dementia Support Program and MINDcierge service which are first-in-VHIS-market^
- Guaranteed Renewable up to Age 100 (attained age) of the Insured Person
- Individual and extra no claims premium discount available up to 25%
- Covers unknown Pre-existing Conditions+ starting from the 31st day of the first policy year
- vTheOne Medical Plan meets Government's regulatory standards. And if you are a Hong Kong taxpayer, you can claim tax deductions of up to HKD8,000 per insured person for the premium(s) paid for yourself and/or your specified relatives per assessment year@
Promotion Offer
- Limited Time Offer
Successful application with annual payment mode on or before 31 Dec 2022 can enjoy up to 6-month premium discount (1st policy year) + 6-month premium discount (2nd policy year) (only applicable to HKD120,000 / HKD250,000 Deductible option) + extra 20% premium discount offer Terms and conditions of the promotion apply. For more detail, please refer to the relevant promotion leaflet.
Relevant Information
The above is FWD-sponsored content with information provided by FWD. 10Life is not authorized by FWD to process and/or provide any insurance-related products and/or services, and shall not provide any opinions or advice on insurance. Readers shall evaluate information herein on their own or seek advice from independent experts. The product information in this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan.
vTheOne Medical Plan (VHIS Plan Certification Number: F00067) 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).
*HKD 35 million Annual Benefit Limit is applicable to Standard Plus.
^Per a comparison made by FWD on 11 July 2022 among the VHIS medical plans of key insurers available in Hong Kong.
+Congenital Condition is only covered for condition which has manifested or been diagnosed after the Age of 8 (attained age) of the Insured Person.
@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.
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 :
$26,391
Age 35 male
Avg. Premium :
$30,462
Average premium for male age 35 to 44
Limited-time offer
Enjoy up to 50% discount in the first year when enrolling in the Cigna Cathay Premier Health Plan via Cathay website.
Promotion offer
- Limited-time offer Enjoy up to a 50% discount when enrolling in Cigna Cathay Premier Health Plan via the Cathay website. On top of that, policyholders can earn up to 22,000 miles upon joining Wellness Journey with Cathay app.
- The promotion is a limited-time offer and applicable to the successful application including payment from 01 September 2022 to 30 November 2022.
* Terms and conditions apply.
Relevant information
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
FWD | 富衛
vTheOne Medical Plan (Premier)
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 :
$40,138$16,055#
Age 35 male
Avg. Premium :
$45,962
Average premium for male age 35 to 44
Limited offer
Enjoy up to 6-month (1st policy year) + 6-month premium discount (2nd policy year) (only applicable to HKD120,000 / HKD250,000 Deductible option) + extra 20% premium discount upon successful application with annual payment mode
Product Highlights
The one plan that opens a world of privileged medical services
- Full cover for a series of hospitalisation and surgical expenses in Standard Private Room
- Annual Benefit Limit of up to HKD 35 million* and without Lifetime Benefit Limit
- Various territorial scope of cover and with 6 deductible options (including HKD 250,000 deductible option which is first-in-VHIS-market^)
- First-dollar coverage -Deductible waived for designated crises (including Cancer, Heart Attack and Stroke) (if applicable) which is first-in-VHIS-market^
- Additional benefit for Prescribed Non-surgical Cancer Treatment, kidney dialysis and organ or bone marrow transplantation
- 5 cash benefits, including (i) cash benefit for major and complex surgeries and (ii) cash benefit for Confinement in Intensive Care Unit in Hong Kong which are first-in-VHIS-market^
- Option to reduce or remove your deductible once per lifetime and / or [First-in-VHIS-market^] upgrade your benefit level once per lifetime at designated ages without providing further proof of your health condition
- Dementia Support Program and MINDcierge service which are first-in-VHIS-market^
- Guaranteed Renewable up to Age 100 (attained age) of the Insured Person
- Individual and extra no claims premium discount available up to 25%
- Covers unknown Pre-existing Conditions+ starting from the 31st day of the first policy year
- vTheOne Medical Plan meets Government's regulatory standards. And if you are a Hong Kong taxpayer, you can claim tax deductions of up to HKD8,000 per insured person for the premium(s) paid for yourself and/or your specified relatives per assessment year@
Promotion Offer
- Limited Time Offer
Successful application with annual payment mode on or before 31 Dec 2022 can enjoy up to 6-month premium discount (1st policy year) + 6-month premium discount (2nd policy year) (only applicable to HKD120,000 / HKD250,000 Deductible option) + extra 20% premium discount offer Terms and conditions of the promotion apply. For more detail, please refer to the relevant promotion leaflet.
Relevant Information
The above is FWD-sponsored content with information provided by FWD. 10Life is not authorized by FWD to process and/or provide any insurance-related products and/or services, and shall not provide any opinions or advice on insurance. Readers shall evaluate information herein on their own or seek advice from independent experts. The product information in this website is for reference only and does not contain the full terms and conditions, key product risks and full list of exclusions of the policy. For the details of benefits and key product risks, please refer to the product brochure; and for exact terms and conditions and the full list of exclusions, please refer to the policy provisions of the plan.
vTheOne Medical Plan (VHIS Plan Certification Number: F00067) 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).
*HKD 35 million Annual Benefit Limit is applicable to Standard Plus.
^Per a comparison made by FWD on 11 July 2022 among the VHIS medical plans of key insurers available in Hong Kong.
+Congenital Condition is only covered for condition which has manifested or been diagnosed after the Age of 8 (attained age) of the Insured Person.
@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.
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 :
$48,474
Age 35 male
Avg. Premium :
$55,951
Average premium for male age 35 to 44
Limited-time offer
Enjoy up to 50% discount in the first year when enrolling in the Cigna Cathay Premier Health Plan via Cathay website.
Promotion offer
- Limited-time offer Enjoy up to a 50% discount when enrolling in Cigna Cathay Premier Health Plan via the Cathay website. On top of that, policyholders can earn up to 22,000 miles upon joining Wellness Journey with Cathay app.
- The promotion is a limited-time offer and applicable to the successful application including payment from 01 September 2022 to 30 November 2022.
* Terms and conditions apply.
Relevant information
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
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 company licensed with the Insurance Authority under 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. None of the 10Life Information is intended, nor should they be considered or relied upon, as regulated advice, insurance, financial, investment or professional advice, recommendation, approval, endorsement, invitation or solicitation in respect of any 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, and is not sufficient to form the basis of any decisions to purchase any insurance products. You should rely on information authorised by insurance companies, carry out your own research and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While reasonable 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, claims and losses arising from or associated with you using 10Life Information. No warranty, representation or guarantee is given by 10Life Group and its subsidiaries on the accuracy, completeness and timeliness of the information.
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