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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/ private room) admitted at a Hong Kong private hospital.
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
Cigna | 信諾
Cigna HealthFirst Elite Medical Plan
Product Details
Private$75,000 DeductibleGlobalFull Coverage
10.0/10
100.0%
7
$16,713
$18,457
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
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 Website
Quote Now
Cigna | 信諾
Cigna HealthFirst Elite Medical Plan
Product Details
Private$50,000 DeductibleGlobalFull Coverage
10.0/10
100.0%
7
$19,742
$21,778
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
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 Website
Quote Now
Cigna | 信諾
Cigna HealthFirst Elite Medical Plan
Product Details
Private$25,000 DeductibleGlobalFull Coverage
10.0/10
100.0%
7
$23,599
$26,033
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
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 Website
Quote Now
Cigna | 信諾
Cigna HealthFirst Elite Medical Plan
Product Details
Private$15,000 DeductibleGlobalFull Coverage
10.0/10
100.0%
7
$30,613
$33,772
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
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 Website
Quote Now
Cigna | 信諾
Cigna HealthFirst Elite Medical Plan
Product Details
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
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 Website
Quote Now
New
FWD | 富衛
vTheOne Medical Plan (Premier)
Product Details
PrivateVHIS Flexi$250,000 DeductibleGlobalFull Coverage
10.0/10
100.0%
6
$9,166$3,666#
$10,311
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
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
Action Now
New
FWD | 富衛
vTheOne Medical Plan (Premier)
Product Details
PrivateVHIS Flexi$120,000 DeductibleGlobalFull Coverage
10.0/10
100.0%
6
$11,180$4,472#
$12,568
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
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
Action Now
New
FWD | 富衛
vTheOne Medical Plan (Premier)
Product Details
PrivateVHIS Flexi$80,000 DeductibleGlobalFull Coverage
10.0/10
100.0%
6
$13,888$5,555#
$15,612
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
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
Action Now
New
FWD | 富衛
vTheOne Medical Plan (Premier)
Product Details
PrivateVHIS Flexi$40,000 DeductibleGlobalFull Coverage
10.0/10
100.0%
6
$16,197$6,479#
$18,300
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
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
Action Now
Cathay | 國泰
Cigna Cathay Premier Health Plan
Product Details
Private$60,000 DeductibleGlobalFull Coverage
10.0/10
100.0%
6
$19,856
$22,903
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
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
Quote Now

Medical Insurance

We found Medical Insurance product(s) matching your selected filters.
Cigna | 信諾
Cigna HealthFirst Elite Medical Plan
Private$75,000 DeductibleGlobalFull Coverage
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features :
7
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$16,713
Age 35 male
Avg. Premium :
$18,457
Average premium for male age 35 to 44
Quote Now
Cigna | 信諾
Cigna HealthFirst Elite Medical Plan
Private$50,000 DeductibleGlobalFull Coverage
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features :
7
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$19,742
Age 35 male
Avg. Premium :
$21,778
Average premium for male age 35 to 44
Quote Now
Cigna | 信諾
Cigna HealthFirst Elite Medical Plan
Private$25,000 DeductibleGlobalFull Coverage
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features :
7
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$23,599
Age 35 male
Avg. Premium :
$26,033
Average premium for male age 35 to 44
Quote Now
Cigna | 信諾
Cigna HealthFirst Elite Medical Plan
Private$15,000 DeductibleGlobalFull Coverage
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features :
7
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$30,613
Age 35 male
Avg. Premium :
$33,772
Average premium for male age 35 to 44
Quote Now
Cigna | 信諾
Cigna HealthFirst Elite Medical Plan
Private$0 DeductibleGlobalFull Coverage
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
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
Quote Now
New
FWD | 富衛
vTheOne Medical Plan (Premier)
PrivateVHIS Flexi$250,000 DeductibleGlobalFull Coverage
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features :
6
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$9,166$3,666#
Age 35 male
Avg. Premium :
$10,311
Average premium for male age 35 to 44
Action Now
New
FWD | 富衛
vTheOne Medical Plan (Premier)
PrivateVHIS Flexi$120,000 DeductibleGlobalFull Coverage
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features :
6
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$11,180$4,472#
Age 35 male
Avg. Premium :
$12,568
Average premium for male age 35 to 44
Action Now
New
FWD | 富衛
vTheOne Medical Plan (Premier)
PrivateVHIS Flexi$80,000 DeductibleGlobalFull Coverage
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features :
6
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$13,888$5,555#
Age 35 male
Avg. Premium :
$15,612
Average premium for male age 35 to 44
Action Now
New
FWD | 富衛
vTheOne Medical Plan (Premier)
PrivateVHIS Flexi$40,000 DeductibleGlobalFull Coverage
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features :
6
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$16,197$6,479#
Age 35 male
Avg. Premium :
$18,300
Average premium for male age 35 to 44
Action Now
Cathay | 國泰
Cigna Cathay Premier Health Plan
Private$60,000 DeductibleGlobalFull Coverage
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features :
6
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$19,856
Age 35 male
Avg. Premium :
$22,903
Average premium for male age 35 to 44
Quote Now