Compare Medical Insurance

FWD | 富衛

vPrime Signature Medical Plan (Standard)

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 5,703 /Year

5,977

First Year Premium

HKD 3,194

5,474

FWD | 富衛

vPrime Medical Plan

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 6,187 /Year

6,485

First Year Premium

HKD 3,464

5,938

FWD | 富衛

vPrime Signature Medical Plan (Superior)

Semi-Private

Global Ex-US

VHIS Flexi

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 6,792 /Year

7,119

First Year Premium

HKD 3,803

6,519

FWD | 富衛

NobleCare Premier Medical Plan (Standard)

Semi-Private

Asia

Non-VHIS

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

HKD 7,188 /Year

7,357

First Year Premium

HKD 5,053

6,737

FWD | 富衛

NobleCare Premier Medical Plan (Superior)

Semi-Private

Global Ex-US

Non-VHIS

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

HKD 8,413 /Year

8,609

First Year Premium

HKD 5,887

7,849

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

7.4 / 10

10-year Avg. Premium

HKD 6,783 /Year

First Year Premium

HKD 6,256

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Global Ex-US

VHIS Flexi

16,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

7.4 / 10

10-year Avg. Premium

HKD 7,462 /Year

First Year Premium

HKD 6,880

Cathay | 國泰

Cigna Cathay Premier Health Plan

Semi-Private

Asia

Non-VHIS

15,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

5.9 / 10

10-year Avg. Premium

HKD 8,629 /Year

First Year Premium

HKD 7,724

Cathay | 國泰

Cigna Cathay Premier Health Plan

Semi-Private

Global Ex-US

Non-VHIS

15,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

5.9 / 10

10-year Avg. Premium

HKD 13,475 /Year

First Year Premium

HKD 12,061

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Enhance)

Semi-Private

Asia

VHIS Flexi

20,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 6,043 /Year

First Year Premium

HKD 5,220

Manulife | 宏利

Manulife Supreme VHIS Flexi Plan (Advance)

Semi-Private

Asia

VHIS Flexi

22,800 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.5 / 10

10-year Avg. Premium

HKD 6,603 /Year

First Year Premium

HKD 5,983

Cigna Healthcare | 信諾環球

Cigna VHIS Series – Flexi Plan (Superior)

Semi-Private

Asia

VHIS Flexi

15,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.4 / 10

10-year Avg. Premium

HKD 7,740 /Year

7,847

First Year Premium

HKD 6,074

7,146

Sun Life | Sun Life 永明

WeHealth Prestige

Semi-Private

Asia

VHIS Flexi

20,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.2 / 10

10-year Avg. Premium

HKD 6,072 /Year

First Year Premium

HKD 5,509

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Silver

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.2 / 10

10-year Avg. Premium

HKD 7,190 /Year

First Year Premium

HKD 6,568

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Semi-Private

Asia

Non-VHIS

15,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

10 / 10

Special Feature Score

7.3 / 10

10-year Avg. Premium

10,035

HKD

9,912

First Year Premium

8,167

HKD 6,942

FWD | 富衛

vPrime Signature Medical Plan (Standard)

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

5,977

HKD

5,703

First Year Premium

5,474

HKD 3,194

FWD | 富衛

vPrime Medical Plan

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

6,485

HKD

6,187

First Year Premium

5,938

HKD 3,464

FWD | 富衛

vPrime Signature Medical Plan (Superior)

Semi-Private

Global Ex-US

VHIS Flexi

16,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

7,119

HKD

6,792

First Year Premium

6,519

HKD 3,803

FWD | 富衛

NobleCare Premier Medical Plan (Standard)

Semi-Private

Asia

Non-VHIS

16,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

7,357

HKD

7,188

First Year Premium

6,737

HKD 5,053

FWD | 富衛

NobleCare Premier Medical Plan (Superior)

Semi-Private

Global Ex-US

Non-VHIS

16,000 Deductible

9.7

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

8,609

HKD

8,413

First Year Premium

7,849

HKD 5,887

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score
 9.8 / 10   
Special Feature Score
 7.4 / 10   
10-year Avg. Premium

              HKD
            
 6,783   

First Year Premium

HKD 6,256

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Global Ex-US

VHIS Flexi

16,000 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score
 9.8 / 10   
Special Feature Score
 7.4 / 10   
10-year Avg. Premium

              HKD
            
 7,462   

First Year Premium

HKD 6,880

Cathay | 國泰

Cigna Cathay Premier Health Plan

Semi-Private

Asia

Non-VHIS

15,000 Deductible

9.5

/ 10

10Life Score

Medical Coverage Score
 9.9 / 10   
Special Feature Score
 5.9 / 10   
10-year Avg. Premium

              HKD
            
 8,629   

First Year Premium

HKD 7,724

Cathay | 國泰

Cigna Cathay Premier Health Plan

Semi-Private

Global Ex-US

Non-VHIS

15,000 Deductible

9.5

/ 10

10Life Score

Medical Coverage Score
 9.9 / 10   
Special Feature Score
 5.9 / 10   
10-year Avg. Premium

              HKD
            
 13,475   

First Year Premium

HKD 12,061

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Enhance)

Semi-Private

Asia

VHIS Flexi

20,000 Deductible

9.5

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD

6,043

First Year Premium

HKD 5,220

Manulife | 宏利

Manulife Supreme VHIS Flexi Plan (Advance)

Semi-Private

Asia

VHIS Flexi

22,800 Deductible

9.5

/ 10

10Life Score

Medical Coverage Score
 9.8 / 10   
Special Feature Score
 6.5 / 10   
10-year Avg. Premium

              HKD
            
 6,603   

First Year Premium

HKD 5,983

Cigna Healthcare | 信諾環球

Cigna VHIS Series – Flexi Plan (Superior)

Semi-Private

Asia

VHIS Flexi

15,000 Deductible

9.5

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

6.4 / 10

10-year Avg. Premium

7,847

HKD

7,740

First Year Premium

7,146

HKD 6,074

Sun Life | Sun Life 永明

WeHealth Prestige

Semi-Private

Asia

VHIS Flexi

20,000 Deductible

9.5

/ 10

10Life Score

Medical Coverage Score
 9.8 / 10   
Special Feature Score
 6.2 / 10   
10-year Avg. Premium

              HKD
            
 6,072   

First Year Premium

HKD 5,509

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Silver

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

9.5

/ 10

10Life Score

Medical Coverage Score
 9.8 / 10   
Special Feature Score
 6.2 / 10   
10-year Avg. Premium

              HKD
            
 7,190   

First Year Premium

HKD 6,568

Cigna Healthcare | 信諾環球

Cigna HealthFirst Elite 360 Medical Plan

Semi-Private

Asia

Non-VHIS

15,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

10 / 10

Special Feature Score

7.3 / 10

10-year Avg. Premium

HKD 9,912 /Year

10,035

First Year Premium

HKD 6,942

8,167

FWD | 富衛

vPrime Signature Medical Plan (Standard)

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 5,703 /Year

5,977

First Year Premium

HKD 3,194

5,474

FWD | 富衛

vPrime Medical Plan

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 6,187 /Year

6,485

First Year Premium

HKD 3,464

5,938

FWD | 富衛

vPrime Signature Medical Plan (Superior)

Semi-Private

Global Ex-US

VHIS Flexi

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 6,792 /Year

7,119

First Year Premium

HKD 3,803

6,519

FWD | 富衛

NobleCare Premier Medical Plan (Standard)

Semi-Private

Asia

Non-VHIS

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

HKD 7,188 /Year

7,357

First Year Premium

HKD 5,053

6,737

FWD | 富衛

NobleCare Premier Medical Plan (Superior)

Semi-Private

Global Ex-US

Non-VHIS

16,000 Deductible

10Life Score

9.7

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

8.3 / 10

10-year Avg. Premium

HKD 8,413 /Year

8,609

First Year Premium

HKD 5,887

7,849

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

7.4 / 10

10-year Avg. Premium

HKD 6,783 /Year

First Year Premium

HKD 6,256

AIA | 友邦香港

AIA Voluntary Health Insurance Privilege Ultra Scheme

Semi-Private

Global Ex-US

VHIS Flexi

16,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

7.4 / 10

10-year Avg. Premium

HKD 7,462 /Year

First Year Premium

HKD 6,880

Cathay | 國泰

Cigna Cathay Premier Health Plan

Semi-Private

Asia

Non-VHIS

15,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

5.9 / 10

10-year Avg. Premium

HKD 8,629 /Year

First Year Premium

HKD 7,724

Cathay | 國泰

Cigna Cathay Premier Health Plan

Semi-Private

Global Ex-US

Non-VHIS

15,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.9 / 10

Special Feature Score

5.9 / 10

10-year Avg. Premium

HKD 13,475 /Year

First Year Premium

HKD 12,061

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Enhance)

Semi-Private

Asia

VHIS Flexi

20,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 6,043 /Year

First Year Premium

HKD 5,220

Manulife | 宏利

Manulife Supreme VHIS Flexi Plan (Advance)

Semi-Private

Asia

VHIS Flexi

22,800 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.5 / 10

10-year Avg. Premium

HKD 6,603 /Year

First Year Premium

HKD 5,983

Cigna Healthcare | 信諾環球

Cigna VHIS Series – Flexi Plan (Superior)

Semi-Private

Asia

VHIS Flexi

15,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.4 / 10

10-year Avg. Premium

HKD 7,740 /Year

7,847

First Year Premium

HKD 6,074

7,146

Sun Life | Sun Life 永明

WeHealth Prestige

Semi-Private

Asia

VHIS Flexi

20,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.2 / 10

10-year Avg. Premium

HKD 6,072 /Year

First Year Premium

HKD 5,509

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Silver

Semi-Private

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.2 / 10

10-year Avg. Premium

HKD 7,190 /Year

First Year Premium

HKD 6,568

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Medical Insurance Quick Guide

What is Medical (Inpatient) Insurance?

Hospitalisation and surgical coverage

Reimbursement basis

Annual renewal

Medical Insurance reimburses the insured for eligible medical expenses on an indemnity basis, usually involving hospitalisation and surgical expenses. Note that medical insurance will specify the type of hospital room and the geographic area covered.
Medical insurance can be VHIS and non-VHIS, with the former being government-approved and tax deductible.

Compare Products

Ward Type

Ward Room

Also know as general ward, with multiple beds

Semi-private Room

Usually has 2 beds and a shared bathroom

Private Room

1 bed, dedicated bathroom, higher room rates

Medical Insurance Glossary

Deductible

This is the claim amount that the insured will have to pay out-of-pocket. For example, if the eligible medical expenses are $100,000 and the medical insurance plan has a $30,000 deductible, the insured will be responsible for $30,000 upfront and the remaining $70,000 will be covered by the insurance company.

Full Coverage

Full coverage means the company will cover the full amount of eligible medical expenses with no sub-limits on individual items, subject to terms such as annual and lifetime benefit limits.

Supplementary Major Medical (SMM)

Eligible medical expenses exceeding the basic benefit limit may be covered through SMM. However, SMM usually has co-payment and the insured is still responsible for part of the cost.

Who needs Medical Insurance?

Children

Children get sick easily because of weaker immune system. A good medical insurance policy can offer children to have better medical care and lessen the burden on the family.

Singles

Sometimes illness and injury are unpredictable. Medical insurance let the insured person get better medical treatment and offset some of the medical expenses.

Newly Weds

Starting a family is a important life event. However, sickness and health problems are major threats to family's well-being. It is important to purchase medical insurance as early as possible to protect your family.