Children Medical Insurance for Age 6 to 11
Chinese version only.
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 |
Relevant Information
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
10.0/10 | 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 |
Relevant Information
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
10.0/10 | 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 |
Relevant Information
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
10.0/10 | 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 |
+ The Eligible Scheme must come into effect on 1 February 2023 with annual premium payment paid.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited is not responsible for any liability, claims and losses arising from or associated with you using the information. 10Life Financial Limited has not verified the information and does not make any warranty, representation or guarantee on the accuracy, completeness and timeliness of the information.
10.0/10 | 100.0% | 6 | $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 |
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 |
10.0/10 | 100.0% | 6 | $19,189$11,194# | $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 |
Product Highlights
The one plan that opens a world of privileged medical services
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).
*Premium discounts for the 2nd and 3rd policy year are only applicable to HKD120,000 / HKD250,000 Deductible option
~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.
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 |
10.0/10 | 100.0% | 6 | $40,138$23,414# | $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 |
Product Highlights
The one plan that opens a world of privileged medical services
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).
*Premium discounts for the 2nd and 3rd policy year are only applicable to HKD120,000 / HKD250,000 Deductible option
~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.
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 |
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.
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.
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.
+ The Eligible Scheme must come into effect on 1 February 2023 with annual premium payment paid.
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.
Product Highlights
The one plan that opens a world of privileged medical services
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).
*Premium discounts for the 2nd and 3rd policy year are only applicable to HKD120,000 / HKD250,000 Deductible option
~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.
Product Highlights
The one plan that opens a world of privileged medical services
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).
*Premium discounts for the 2nd and 3rd policy year are only applicable to HKD120,000 / HKD250,000 Deductible option
~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.
While both is often categorised under “health insurance”, they are very different in nature.
Medical insurance is also known as hospitalisation insurance. The main purpose is to cover the medical expenses if the insured is hospitalised, with some products also covering specific outpatient treatments. Claims are on an expense reimbursement basis, on the condition that the expense is “Medical Necessary”.
Critical illness insurance covers the insured against specified diseases. A lump sum benefit is paid if the insured is diagnosed with a specified disease that matches the definition in the policy provisions. In general, insurance companies do not limit the usage of the benefit payment.
Traditional medical insurance defines coverage limits item by item, e.g. room and board, surgeon fee, miscellaneous fee, etc… If the medical expense on particular item exceeds the limit, one may recover the excess from Supplementary Major Medical (if available, and after any co-payment), and any further excess needs to be paid out-of-pocket by the insured.
“Full Coverage” medical insurance generally does not limit the coverage amount in a single item. The medical expense can be covered as long as it does not exceed the per policy year, per disability or lifetime limit. However, the relevant medical expense needs to be “Medical Necessary” and “Reasonable and Customary”.
Remarks:
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