Buying Family Health Insurance (with summary on VHIS family discounts, updated Jan 2021)
從前，一個人海闊天空，如今，成家變得瞻前顧後。常言道，一家人最緊要是齊齊整整，健健康康。守護 ... >>
31/01/2021
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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 Voluntary Health Insurance Scheme product(s) matching your selected filters.
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Semi-PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
| 10.0/10 | 100.0% | 6 | $10,834 | $12,190 | |
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 |
Semi-PrivateVHIS Flexi$0 DeductibleGlobalFull Coverage
| 10.0/10 | 100.0% | 6 | $17,569 | $19,768 | |
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 |
Semi-PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
| 10.0/10 | 100.0% | 4 | $15,448 | $16,592 | |
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 |
Semi-PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
| 10.0/10 | 100.0% | 1 | $9,728 | $11,152 | |
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 now to enjoy the 6-month premium refund!
Product Highlights
- Coverage up to HK$30,000,000 per year
- 5 deductible options enable your premium to deliver more bang for the buck
- No sub-limit for each benefit item, and no lifetime limit
- Tax deductions up to HK$8,000 per year per insured person
- Cashless Hospitalization
- Premium unchnaged to enhance benefits for existing Flexi(Superior)'s customers
Promotion offer
- Limited time offer - Enroll now to enjoy the 6-month premium refund*
- Promotion till 31 March 2022
*Not applicable for plans with HK$0 deductible option.
Relevant Information
* Terms and conditions apply. Please refer to the product brochure for detailed information.
# Premium is calculated after 25% discount of first year premium
The above information is provided by the advertiser. 10Life accepts no liability for any loss arising from the information and no obligation to update the information.
Semi-PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
| 10.0/10 | 100.0% | 4 | $11,254 | $13,502 | |
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 |
Semi-PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
| 10.0/10 | 99.9% | 5 | $12,189$7,110# | $13,084 | |
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 premium discount by applying with annual premium payment mode
Product Highlights
- Full Cover Up to an Annual Benefit Limit of HKD10 million and a Lifetime Benefit Limit of HKD60 million on medical expenses incurred for hospitalisation and surgery
- Add-on Features Including First-dollar Coverage - Deductible Waived for Designated Crises and 2-year Free Coverage for Newborns^
- Get rewards for staying healthy with your family Individual and Extra No Claims Premium Discount up to a total of 25%
^These benefits are not part of the Terms and Benefits of the VHIS Certified Plan - vPrime Medical Plan.
The above product information does not contain the full terms and benefits of the policy, exclusions and key product risks. For the full terms, benefits, exclusions and key product risks, please refer to the relevant policy provisions and product brochure.
Promotion offer
- Enjoy 5-month premium discount in the first policy year by applying with annual premium payment mode
- If you apply for FWD designated VHIS Plan (s) for yourself and/or your specified relative(s) at the same time, each eligible policy will be entitled to an extra 1-month premium discount in the first policy yea
- Additional Premium Discount for health-conscious customers – If you are currently holding a medical policy issued by a licensed insurance company other than FWD and enjoying no claims premium discount from that medical policy, you may enjoy an extra 10% premium discount for the first 2 policy years
Only applicable for successful application falling within the period from 24 Jan 2022 to 31 Mar 2022 (both dates inclusive) and policies must be issued on or before 30 Apr 2022. # Premium is calculated after 5-month premium discount for the first year premium.
Relevant Information
* Terms and conditions apply. Please refer to the promotional flyer, product leaflet and policy provisions for details.
**Applicant can apply a tax deduction for the premium actually paid. Any premium refund or premium discount is ineligible for tax deduction. Further information on tax concessions applicable to VHIS may be found in IRD’s website at www.ird.gov.hk/en.
***vPrime Medical Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited, a company incorporated in Bermuda with limited liability (“FWD”).
The above information is provided by the advertiser. 10Life accepts no liability for any loss arising from the information and no obligation to update the information.
Semi-PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
| 10.0/10 | 99.8% | 5 | $14,151 | $15,806 | |
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 |
Semi-PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
| 10.0/10 | 99.8% | 3 | $12,275 | $13,390 | |
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
Once you successfully apply for any new designated basic plan/ supplement1 and satisfy other applicable requirements3,7, you may enjoy up to 9 months’ premium refund2,4, 5, 6, 8, 9, 10,11,12,13,14,15,16!
Product Highlights
- Full cover^ for hospitalisation and surgical benefits
- Full cover# for prescribed non-surgical cancer treatments and outpatient kidney dialysis
- No waiting period for unknown pre-existing conditions
- No claim discount* up to 15%
- Free second medical opinion~, >
^Full cover shall mean the actual amount of eligible expenses and other expenses charged after deducting the remaining deductible (if any), and is subject to the annual benefit limit, lifetime benefit limit and other conditions as stated in the product brochure and the policy contract. Psychiatric treatments and medical implants are excluded from full cover benefit. Further details of the terms, conditions, exclusions and limitations are provided in the policy contract. # Full cover of prescribed non-surgical cancer treatments and outpatient kidney dialysis are subject to the annual benefit limit, lifetime benefit limit, deductible (if any) and other conditions as stated in the product brochure and the policy contract. Further details of the terms, conditions, exclusions and limitations are provided in the policy contract. * If after a no claim discount has been deducted, a claim incurred in respect of previous 5 policy years is paid under WiseGuard Pro, the no claim discount shall be re-calculated by taking into account the relevant claim paid, and the policy holder shall return to the Company the difference between the recalculated amount and the no claim discount actually paid to the policy holder immediately upon the Company’s reasonable request. For the avoidance of doubt, if a claim was incurred but no benefit was paid by reason of the deductible, the policy year concerned will still not be counted in the claim-free period. For details, please refer to the policy contract. ~ Expenses incurred for prophylactic treatment or preventive care, including but not limited to general check-ups, routine tests, screening procedures for asymptomatic conditions, screening or surveillance procedures based on the health history of the insured person and/or his family members, Hair Mineral Analysis (HMA), immunisation or health supplements. For the avoidance of doubt, this section 6 does not apply to – (a) treatments, monitoring, investigation or procedures with the purpose of avoiding complications arising from any other medical services provided; (b) removal of pre-malignant conditions; and (c) treatment for prevention of recurrence or complication of a previous disability. > Expenses incurred for the purchase of durable medical equipment or appliances including but not limited to wheelchairs, beds and furniture, airway pressure machines and masks, portable oxygen and oxygen therapy devices, dialysis machines, exercise equipment, spectacles, hearing aids, special braces, walking aids, over-the-counter drugs, air purifiers or conditioners and heat appliances for home use. For the avoidance of doubt, this exclusion shall not apply to rental of medical equipment or appliances during confinement or on the day of the day case procedure.
AXA “New Year Fabulous Rewards” Programme - Promotion offer
- From 1 January 2022 to 28 February 2022, once you successfully apply for any new designated basic plan / supplement1 and satisfy other applicable requirements3,7, you may enjoy up to 9 months’ premium refund2,4, 5, 6, 8, 9, 10,11,12,13,14,15,16!
Relevant Information
Please click here to browse Promotional webpage from the insurance company. Terms and Conditions
- For product details of AXA WiseGuard Pro Medical Insurance Plan, please refer to the relevant proposals, product brochures and policy contracts.
- AXA “New Year Fabulous Rewards” Programme (the “Promotion”) is offered by AXA China Region Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) / AXA China Region Insurance Company Limited / AXA General Insurance Hong Kong Limited (collectively “AXA”), from 1 January 2022 to 28 February 2022, both dates inclusive (the “Promotion Period”), subject to the following terms and conditions. Reward 1 - AXA WiseGuard Pro Medical Insurance Plan Premium Refund
- The Reward 1 (as defined in clause 4 below) of the Promotion is only applicable if the following requirements are satisfied: a. Customers successfully submit the applications for basic plan / supplement of AXA WiseGuard Pro Medical Insurance Plan (“Designated Health Basic Plan / Supplement”) during the Promotion Period; b. Such Designated Health Basic Plan / Supplement must be successfully issued / have its effective date commenced during the period from 1 January 2022 to 31 March 2022, both dates inclusive; and c. Annual payment mode must be selected for such Designated Health Basic Plan / Supplement. (The Designated Health Basic Plan / Supplement satisfying clause 3 above is hereinafter referred to as "Eligible Basic Plan/Eligible Supplement of Reward 1")
- Each Eligible Basic Plan / Eligible Supplement of Reward 1 may be entitled to a one-off 3 months’ premium refund on future premium(s), the amount of which is equivalent to 25% of the annualised first year premium (“AFYP”) of the relevant Eligible Basic Plan / Eligible Supplement of Reward 1 (“Reward 1”) on and in accordance with the following conditions: a. The AFYP is determined based on the benefit level of the policy as at the time the premium is refunded; b. If you have changed the benefit level of the Eligible Basic Plan / Eligible Supplement of Reward 1 after policy issuance, the AFYP applied in Reward 1 will not be equivalent to the actual amount of total premiums you paid for the first policy year. AFYP will be re-calculated based on the benefit level of Eligible Basic Plan / Eligible Supplement of Reward 1 as at the time of premium is refunded; c. The amount of AFYP is calculated by adding the standard premium and premium loading imposed due to underwriting (if any) of the policy. Levy will not be included in the calculation; d. The calculation of AFYP and Reward 1 shall be rounded up to the nearest 2 decimal places according to the policy currency (based on the AXA’s conversion table, if applicable) of the Eligible Basic Plan / Eligible Supplement of Reward 1 ; and Conversion Table - Exchange rate of foreign currencies against HKD – USD1 = HKD8.0 e. The Eligible Basic Plan / Eligible Supplement of Reward 1 must be in force and in annual payment mode at the time of the premium is refunded and all premiums due since policy effective date must be fully paid, failing which you will not be entitled to Reward 1. If Eligible Basic Plan / Eligible Supplement of Reward 1 shall terminate for whatever reasons before / after the premium refund is fully applied on the policy, any portion of such premium refund not yet applied, and / or the respective reward will be forfeited and cannot be withdrawn or transferred.
- The policy owner of the Eligible Basic Plan / Eligible Supplement of Reward 1 will receive a notification letter by mail after the premium refund is credited to the future premium deposit account on or before 30 November 2022 and the notification letter will set out the details of the premium refund. The Reward 1 will then be applied to the premium payments of the second policy year and /or onwards as AXA deems appropriate.
- The Reward 1 will not be applicable to customers who have purchased the Designated Health Basic Plan / Supplement before the Promotion Period but subsequently cancelled such Designated Health Basic Plan / Supplement during its cooling off period and then re-applied for the same Designated Health Basic Plan / Supplement during the Promotion Period. Reward 2 - AXA WiseGuard Pro Medical Insurance Plan Premium Refund (Additional Offer)
- The Reward 2 (as defined in clause 8 below) of the Promotion is only applicable if the following requirements are satisfied: a. Your application for the basic plan / supplement of AXA WiseGuard Pro Medical Insurance Plan (“Designated AXA WiseGuard Pro Policy”) is successfully submitted during the Promotion Period; b. (i) Your application for another Designated AXA WiseGuard Pro Policy or a new basic plan of SurgiCare Surgical Insurance Plan is also successfully submitted during the Promotion Period; or (ii) you are holding an in-force policy of AXA WiseGuard Pro Medical Insurance Plan or SurgiCare Surgical Insurance Plan as at the date of submission of the Designated AXA WiseGuard Pro Policy; c. The Designated AXA WiseGuard Pro Policy and the relevant policy(ies) mentioned in clause 7(b) above must be successfully issued / have its effective date commenced during the period from 1 January 2022 to 31 March 2022, both dates inclusive; and d. Annual payment mode must be selected for the Designated AXA WiseGuard Pro Policy. (The Designated AXA WiseGuard Pro Policy satisfying clause 7 above is hereinafter referred to as “Eligible Basic Plan / Eligible Supplement of Reward 2".)
- Each Eligible Basic Plan / Eligible Supplement of Reward 2 that has met the above requirements as set out in clause 7 may be entitled to 6 months’ premium refund on future premium(s), the amount of which is equivalent to 50% of the AFYP of the relevant Eligible Basic Plan / Eligible Supplement of Reward 2 (“Reward 2”) on and in accordance with the following conditions: a. The AFYP is determined based on the benefit level of the policy as at the time the relevant batch of the premium is refunded; b. If you have changed the benefit level of the Eligible Basic Plan / Eligible Supplement of Reward 2 after policy issuance, the AFYP applied in Reward 2 will not be equivalent to the actual amount of total premiums you paid for the first policy year. AFYP will be re-calculated based on the benefit level of Eligible Basic Plan / Eligible Supplement of Reward 2 as at the time of the respective batch of premium is refunded; c. The amount of AFYP is calculated by adding the standard premium and premium loading imposed due to underwriting (if any) of the policy. Levy will not be included in the calculation; d. The calculation of AFYP and Reward 2 shall be rounded up to the nearest 2 decimal places according to the policy currency (based on the AXA’s conversion table,if applicable) of the Eligible Basic Plan / Eligible Supplement of Reward 2 ; and Conversion Table - Exchange rate of foreign currencies against HKD – USD1 = HKD8.0 e. The Eligible Basic Plan / Eligible Supplement of Reward 2 and the relevant policy(ies) mentioned in clause 7(b) above must be in force at the time of the respective batch of premium refund and all premiums due since policy effective date must be fully paid at the time of the respective batch of premium refund, failing which you will not be entitled to Reward 2. The Eligible Basic Plan / Eligible Supplement of Reward 2 must be in annual payment mode at the time of premium is refunded. If Eligible Basic Plan / Eligible Supplement of Reward 2 shall terminate for whatever reasons before / after the premium refund is fully applied on the policy, any portion of such premium refund not yet applied, and / or the respective reward will be forfeited and cannot be withdrawn or transferred.
- For determining eligibility for the 6 months’ premium refund under Reward 2, the Eligible Basic Plan / Eligible Supplement of Reward 2 and the relevant policy(ies) mentioned in clause 7(b) above must be either be held by the same policy owner or entitled by the same beneficiary.
- If the policy owner holds two or more Eligible Basic Plan / Eligible Supplements of Reward 2 for the same insured, the one with the greater / greatest (as the case maybe) annualized premium shall be deemed the Eligible Basic Plan / Eligible Supplement of Reward 2. Each Eligible Basic Plan / Eligible Supplement of Reward 2 is entitled to Reward 2 once only.
- For determining the eligibility of same beneficiary (in the case of 9 above), the name with H.K.I.D. card / passport no. of beneficiary must be the same in the Eligible Basic Plan / Eligible Supplement of Reward 2 and the relevant policy(ies) mentioned in clause 7(b) above and updated in our record before the Reward 2 is released.
- The premium refund will be given out in batch(es) according to the schedule below:
Batch of Premium Refund Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 2 Release Schedule for Premium Refund 1st batch1st – 3rd monthsBy 30 November 20232nd batch4th – 6th monthsBy 30 November 2024 - The policy owner of the Eligible Basic Plan / Eligible Supplement of Reward 2 will receive a notification letter by mail after the premium refund is credited to the future premium deposit account according to the release schedule for premium refund stated above. The notification letter(s) will set out the details of the Reward 2. Reward 2 will then be applied to the premium payments of the third policy year and / or onwards as AXA deems appropriate.
- The Reward 2 will not be applicable to customers who have purchased the Designated AXA WiseGuard Pro Policy before the Promotion Period but subsequently cancelled such Designated AXA WiseGuard Pro Policy during its cooling off period and then re-applied for the same Designated AXA WiseGuard Pro Policy during the Promotion Period.
- Customer is only entitled to a maximum of 9 months’ premium refund on each AXA WiseGuard Pro Medical Insurance Plan under Reward 1and Reward 2. General provisions
- The premium refund under this Promotion is non-transferable, non-refundable and cannot be exchanged or redeemed for cash under any circumstances. AXA reserves the right to alter or terminate the Promotion (in whole or in part) and / or amend the relevant terms and conditions of the Promotion at any time without prior notice. Any application under the Promotion previously approved will not be affected by subsequent alteration or termination of the Promotion and / or amendments to its terms and conditions. This leaflet contains general information only. It does not constitute any offer for a basic plan or supplement (if applicable). For detailed terms, conditions and exclusions of the relevant basic plan and supplement (if applicable), please refer to the relevant proposals, product brochures and policy contracts. The premium refund under this Promotion is not guaranteed. Such application is subject to AXA’s approval. In case of any dispute, the decision of AXA shall be final and conclusive. For details, please refer to the relevant terms and conditions stated in the promotion leaflet. Notes
- The words and expressions “insured”, “policy owner” and “supplement” shown in this content shall carry the same meanings as “insured person”, “policy holder” and “rider” (respectively and where applicable) stated in the policy contract of AXA WiseGuard Pro Medical Insurance Plan.
- The premium refund(s) under the Promotion will form part of the relevant policy contract(s) upon the respective basic plan(s) and / or the supplement(s) (if applicable) being issued, and the requirements of the relevant premium refund(s) under the terms and conditions of the Promotion having been fulfilled.
The above information is provided by the advertiser. 10Life accepts no liability for any loss arising from the information and no obligation to update the information.
Semi-PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
| 10.0/10 | 99.8% | 2 | $12,995 | $14,003 | |
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 |
Semi-PrivateVHIS Flexi$0 DeductibleGlobal-ex-USFull Coverage
| 10.0/10 | 99.5% | 1 | $9,924$7,443^ | $11,374 | |
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 a 3-month premium waiver by using the promo code "BT10JAN" and a free body check
Product Highlights
- Full coverage1 without sub-limits for eligible medical expenses such as surgery, and prescribed non-surgical cancer treatments (e.g. Radiotherapy, Chemotherapy and Targeted therapy)
- $50,000,000 lifetime benefit limit
- Worldwide coverage1
- 2 covered room levels (Semi-private or Private)
- 4 deductible options
- Dedicated case specialist for application assistance and claims follow-up
- Premiums are eligible for annual tax deductions of up to HK$8000
Promotion offer
Enjoy a 3-month premium waiver by using the promo code "BT10JAN" and a free body check
Only applicable for successful application from 1 Jan 2022 to 31 Jan 2022.
¹The Bowtie Pink Voluntary Health Insurance series fully covers eligible medical expenses such as diagnosis, hospitalisation, surgery, and prescribed non-surgical cancer treatments (except in the United States), and is subject to annual benefit limits and lifetime benefit limits. If the claim involves a Mainland China Hospital unlisted in / a High-end Mainland China Hospital listed in the "List of Designated Hospitals in Mainland China" or confinement in a room higher than the designated ward class or a pre-existing condition, the relevant benefit payable may be adjusted.
Bowtie Life Insurance Company Limited (Bowtie) is a limited liability company incorporated in Hong Kong. Bowtie Pink VHIS Plan is underwritten by Bowtie and intended for sale in Hong Kong only. The above information is for reference only. For detailed terms and conditions of the product, key risks, and exclusions, please refer to the policy.
The above information is provided by the advertiser. 10Life accepts no liability for any loss arising from the information and no obligation to update the information.
We found Voluntary Health Insurance Scheme product(s) matching your selected filters.
Blue Cross | 藍十字保險
Dynasty VHIS 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 :
$10,834
Age 35 male
Avg. Premium :
$12,190
Average premium for male age 35 to 44
Blue Cross | 藍十字保險
Dynasty VHIS 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 :
$17,569
Age 35 male
Avg. Premium :
$19,768
Average premium for male age 35 to 44
AIA | 友邦
AIA Voluntary Health Insurance Privilege Plus Scheme
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 :
4
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$15,448
Age 35 male
Avg. Premium :
$16,592
Average premium for male age 35 to 44
Cigna | 信諾
Cigna VHIS Series – Flexi Plan (Superior) 1
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 :
1
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$9,728
Age 35 male
Avg. Premium :
$11,152
Average premium for male age 35 to 44
Limited offer
Enroll now to enjoy the 6-month premium refund!
Product Highlights
- Coverage up to HK$30,000,000 per year
- 5 deductible options enable your premium to deliver more bang for the buck
- No sub-limit for each benefit item, and no lifetime limit
- Tax deductions up to HK$8,000 per year per insured person
- Cashless Hospitalization
- Premium unchnaged to enhance benefits for existing Flexi(Superior)'s customers
Promotion offer
- Limited time offer - Enroll now to enjoy the 6-month premium refund*
- Promotion till 31 March 2022
*Not applicable for plans with HK$0 deductible option.
Relevant Information
* Terms and conditions apply. Please refer to the product brochure for detailed information.
# Premium is calculated after 25% discount of first year premium
The above information is provided by the advertiser. 10Life accepts no liability for any loss arising from the information and no obligation to update the information.
Bupa | 保柏
Bupa Hero VHIS Plan (Advance)
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 :
4
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$11,254
Age 35 male
Avg. Premium :
$13,502
Average premium for male age 35 to 44
FWD | 富衛
vPrime 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 :
99.9%
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 :
5
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$12,189$7,110#
Age 35 male
Avg. Premium :
$13,084
Average premium for male age 35 to 44
Limited Offer
Enjoy up to 6-month premium discount by applying with annual premium payment mode
Product Highlights
- Full Cover Up to an Annual Benefit Limit of HKD10 million and a Lifetime Benefit Limit of HKD60 million on medical expenses incurred for hospitalisation and surgery
- Add-on Features Including First-dollar Coverage - Deductible Waived for Designated Crises and 2-year Free Coverage for Newborns^
- Get rewards for staying healthy with your family Individual and Extra No Claims Premium Discount up to a total of 25%
^These benefits are not part of the Terms and Benefits of the VHIS Certified Plan - vPrime Medical Plan.
The above product information does not contain the full terms and benefits of the policy, exclusions and key product risks. For the full terms, benefits, exclusions and key product risks, please refer to the relevant policy provisions and product brochure.
Promotion offer
- Enjoy 5-month premium discount in the first policy year by applying with annual premium payment mode
- If you apply for FWD designated VHIS Plan (s) for yourself and/or your specified relative(s) at the same time, each eligible policy will be entitled to an extra 1-month premium discount in the first policy yea
- Additional Premium Discount for health-conscious customers – If you are currently holding a medical policy issued by a licensed insurance company other than FWD and enjoying no claims premium discount from that medical policy, you may enjoy an extra 10% premium discount for the first 2 policy years
Only applicable for successful application falling within the period from 24 Jan 2022 to 31 Mar 2022 (both dates inclusive) and policies must be issued on or before 30 Apr 2022. # Premium is calculated after 5-month premium discount for the first year premium.
Relevant Information
* Terms and conditions apply. Please refer to the promotional flyer, product leaflet and policy provisions for details.
**Applicant can apply a tax deduction for the premium actually paid. Any premium refund or premium discount is ineligible for tax deduction. Further information on tax concessions applicable to VHIS may be found in IRD’s website at www.ird.gov.hk/en.
***vPrime Medical Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited, a company incorporated in Bermuda with limited liability (“FWD”).
The above information is provided by the advertiser. 10Life accepts no liability for any loss arising from the information and no obligation to update the information.
Manulife | 宏利
Manulife Supreme VHIS Flexi 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 :
99.8%
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 :
5
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$14,151
Age 35 male
Avg. Premium :
$15,806
Average premium for male age 35 to 44
AXA | 安盛
AXA WiseGuard Pro Medical Insurance Plan (Enhance)
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 :
99.8%
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 :
3
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$12,275
Age 35 male
Avg. Premium :
$13,390
Average premium for male age 35 to 44
Limited offer
Once you successfully apply for any new designated basic plan/ supplement1 and satisfy other applicable requirements3,7, you may enjoy up to 9 months’ premium refund2,4, 5, 6, 8, 9, 10,11,12,13,14,15,16!
Product Highlights
- Full cover^ for hospitalisation and surgical benefits
- Full cover# for prescribed non-surgical cancer treatments and outpatient kidney dialysis
- No waiting period for unknown pre-existing conditions
- No claim discount* up to 15%
- Free second medical opinion~, >
^Full cover shall mean the actual amount of eligible expenses and other expenses charged after deducting the remaining deductible (if any), and is subject to the annual benefit limit, lifetime benefit limit and other conditions as stated in the product brochure and the policy contract. Psychiatric treatments and medical implants are excluded from full cover benefit. Further details of the terms, conditions, exclusions and limitations are provided in the policy contract. # Full cover of prescribed non-surgical cancer treatments and outpatient kidney dialysis are subject to the annual benefit limit, lifetime benefit limit, deductible (if any) and other conditions as stated in the product brochure and the policy contract. Further details of the terms, conditions, exclusions and limitations are provided in the policy contract. * If after a no claim discount has been deducted, a claim incurred in respect of previous 5 policy years is paid under WiseGuard Pro, the no claim discount shall be re-calculated by taking into account the relevant claim paid, and the policy holder shall return to the Company the difference between the recalculated amount and the no claim discount actually paid to the policy holder immediately upon the Company’s reasonable request. For the avoidance of doubt, if a claim was incurred but no benefit was paid by reason of the deductible, the policy year concerned will still not be counted in the claim-free period. For details, please refer to the policy contract. ~ Expenses incurred for prophylactic treatment or preventive care, including but not limited to general check-ups, routine tests, screening procedures for asymptomatic conditions, screening or surveillance procedures based on the health history of the insured person and/or his family members, Hair Mineral Analysis (HMA), immunisation or health supplements. For the avoidance of doubt, this section 6 does not apply to – (a) treatments, monitoring, investigation or procedures with the purpose of avoiding complications arising from any other medical services provided; (b) removal of pre-malignant conditions; and (c) treatment for prevention of recurrence or complication of a previous disability. > Expenses incurred for the purchase of durable medical equipment or appliances including but not limited to wheelchairs, beds and furniture, airway pressure machines and masks, portable oxygen and oxygen therapy devices, dialysis machines, exercise equipment, spectacles, hearing aids, special braces, walking aids, over-the-counter drugs, air purifiers or conditioners and heat appliances for home use. For the avoidance of doubt, this exclusion shall not apply to rental of medical equipment or appliances during confinement or on the day of the day case procedure.
AXA “New Year Fabulous Rewards” Programme - Promotion offer
- From 1 January 2022 to 28 February 2022, once you successfully apply for any new designated basic plan / supplement1 and satisfy other applicable requirements3,7, you may enjoy up to 9 months’ premium refund2,4, 5, 6, 8, 9, 10,11,12,13,14,15,16!
Relevant Information
Please click here to browse Promotional webpage from the insurance company. Terms and Conditions
- For product details of AXA WiseGuard Pro Medical Insurance Plan, please refer to the relevant proposals, product brochures and policy contracts.
- AXA “New Year Fabulous Rewards” Programme (the “Promotion”) is offered by AXA China Region Insurance Company (Bermuda) Limited (Incorporated in Bermuda with limited liability) / AXA China Region Insurance Company Limited / AXA General Insurance Hong Kong Limited (collectively “AXA”), from 1 January 2022 to 28 February 2022, both dates inclusive (the “Promotion Period”), subject to the following terms and conditions. Reward 1 - AXA WiseGuard Pro Medical Insurance Plan Premium Refund
- The Reward 1 (as defined in clause 4 below) of the Promotion is only applicable if the following requirements are satisfied: a. Customers successfully submit the applications for basic plan / supplement of AXA WiseGuard Pro Medical Insurance Plan (“Designated Health Basic Plan / Supplement”) during the Promotion Period; b. Such Designated Health Basic Plan / Supplement must be successfully issued / have its effective date commenced during the period from 1 January 2022 to 31 March 2022, both dates inclusive; and c. Annual payment mode must be selected for such Designated Health Basic Plan / Supplement. (The Designated Health Basic Plan / Supplement satisfying clause 3 above is hereinafter referred to as "Eligible Basic Plan/Eligible Supplement of Reward 1")
- Each Eligible Basic Plan / Eligible Supplement of Reward 1 may be entitled to a one-off 3 months’ premium refund on future premium(s), the amount of which is equivalent to 25% of the annualised first year premium (“AFYP”) of the relevant Eligible Basic Plan / Eligible Supplement of Reward 1 (“Reward 1”) on and in accordance with the following conditions: a. The AFYP is determined based on the benefit level of the policy as at the time the premium is refunded; b. If you have changed the benefit level of the Eligible Basic Plan / Eligible Supplement of Reward 1 after policy issuance, the AFYP applied in Reward 1 will not be equivalent to the actual amount of total premiums you paid for the first policy year. AFYP will be re-calculated based on the benefit level of Eligible Basic Plan / Eligible Supplement of Reward 1 as at the time of premium is refunded; c. The amount of AFYP is calculated by adding the standard premium and premium loading imposed due to underwriting (if any) of the policy. Levy will not be included in the calculation; d. The calculation of AFYP and Reward 1 shall be rounded up to the nearest 2 decimal places according to the policy currency (based on the AXA’s conversion table, if applicable) of the Eligible Basic Plan / Eligible Supplement of Reward 1 ; and Conversion Table - Exchange rate of foreign currencies against HKD – USD1 = HKD8.0 e. The Eligible Basic Plan / Eligible Supplement of Reward 1 must be in force and in annual payment mode at the time of the premium is refunded and all premiums due since policy effective date must be fully paid, failing which you will not be entitled to Reward 1. If Eligible Basic Plan / Eligible Supplement of Reward 1 shall terminate for whatever reasons before / after the premium refund is fully applied on the policy, any portion of such premium refund not yet applied, and / or the respective reward will be forfeited and cannot be withdrawn or transferred.
- The policy owner of the Eligible Basic Plan / Eligible Supplement of Reward 1 will receive a notification letter by mail after the premium refund is credited to the future premium deposit account on or before 30 November 2022 and the notification letter will set out the details of the premium refund. The Reward 1 will then be applied to the premium payments of the second policy year and /or onwards as AXA deems appropriate.
- The Reward 1 will not be applicable to customers who have purchased the Designated Health Basic Plan / Supplement before the Promotion Period but subsequently cancelled such Designated Health Basic Plan / Supplement during its cooling off period and then re-applied for the same Designated Health Basic Plan / Supplement during the Promotion Period. Reward 2 - AXA WiseGuard Pro Medical Insurance Plan Premium Refund (Additional Offer)
- The Reward 2 (as defined in clause 8 below) of the Promotion is only applicable if the following requirements are satisfied: a. Your application for the basic plan / supplement of AXA WiseGuard Pro Medical Insurance Plan (“Designated AXA WiseGuard Pro Policy”) is successfully submitted during the Promotion Period; b. (i) Your application for another Designated AXA WiseGuard Pro Policy or a new basic plan of SurgiCare Surgical Insurance Plan is also successfully submitted during the Promotion Period; or (ii) you are holding an in-force policy of AXA WiseGuard Pro Medical Insurance Plan or SurgiCare Surgical Insurance Plan as at the date of submission of the Designated AXA WiseGuard Pro Policy; c. The Designated AXA WiseGuard Pro Policy and the relevant policy(ies) mentioned in clause 7(b) above must be successfully issued / have its effective date commenced during the period from 1 January 2022 to 31 March 2022, both dates inclusive; and d. Annual payment mode must be selected for the Designated AXA WiseGuard Pro Policy. (The Designated AXA WiseGuard Pro Policy satisfying clause 7 above is hereinafter referred to as “Eligible Basic Plan / Eligible Supplement of Reward 2".)
- Each Eligible Basic Plan / Eligible Supplement of Reward 2 that has met the above requirements as set out in clause 7 may be entitled to 6 months’ premium refund on future premium(s), the amount of which is equivalent to 50% of the AFYP of the relevant Eligible Basic Plan / Eligible Supplement of Reward 2 (“Reward 2”) on and in accordance with the following conditions: a. The AFYP is determined based on the benefit level of the policy as at the time the relevant batch of the premium is refunded; b. If you have changed the benefit level of the Eligible Basic Plan / Eligible Supplement of Reward 2 after policy issuance, the AFYP applied in Reward 2 will not be equivalent to the actual amount of total premiums you paid for the first policy year. AFYP will be re-calculated based on the benefit level of Eligible Basic Plan / Eligible Supplement of Reward 2 as at the time of the respective batch of premium is refunded; c. The amount of AFYP is calculated by adding the standard premium and premium loading imposed due to underwriting (if any) of the policy. Levy will not be included in the calculation; d. The calculation of AFYP and Reward 2 shall be rounded up to the nearest 2 decimal places according to the policy currency (based on the AXA’s conversion table,if applicable) of the Eligible Basic Plan / Eligible Supplement of Reward 2 ; and Conversion Table - Exchange rate of foreign currencies against HKD – USD1 = HKD8.0 e. The Eligible Basic Plan / Eligible Supplement of Reward 2 and the relevant policy(ies) mentioned in clause 7(b) above must be in force at the time of the respective batch of premium refund and all premiums due since policy effective date must be fully paid at the time of the respective batch of premium refund, failing which you will not be entitled to Reward 2. The Eligible Basic Plan / Eligible Supplement of Reward 2 must be in annual payment mode at the time of premium is refunded. If Eligible Basic Plan / Eligible Supplement of Reward 2 shall terminate for whatever reasons before / after the premium refund is fully applied on the policy, any portion of such premium refund not yet applied, and / or the respective reward will be forfeited and cannot be withdrawn or transferred.
- For determining eligibility for the 6 months’ premium refund under Reward 2, the Eligible Basic Plan / Eligible Supplement of Reward 2 and the relevant policy(ies) mentioned in clause 7(b) above must be either be held by the same policy owner or entitled by the same beneficiary.
- If the policy owner holds two or more Eligible Basic Plan / Eligible Supplements of Reward 2 for the same insured, the one with the greater / greatest (as the case maybe) annualized premium shall be deemed the Eligible Basic Plan / Eligible Supplement of Reward 2. Each Eligible Basic Plan / Eligible Supplement of Reward 2 is entitled to Reward 2 once only.
- For determining the eligibility of same beneficiary (in the case of 9 above), the name with H.K.I.D. card / passport no. of beneficiary must be the same in the Eligible Basic Plan / Eligible Supplement of Reward 2 and the relevant policy(ies) mentioned in clause 7(b) above and updated in our record before the Reward 2 is released.
- The premium refund will be given out in batch(es) according to the schedule below:
Batch of Premium Refund Premium Refund on Each Eligible Basic Plan / Eligible Supplement of Reward 2 Release Schedule for Premium Refund 1st batch1st – 3rd monthsBy 30 November 20232nd batch4th – 6th monthsBy 30 November 2024 - The policy owner of the Eligible Basic Plan / Eligible Supplement of Reward 2 will receive a notification letter by mail after the premium refund is credited to the future premium deposit account according to the release schedule for premium refund stated above. The notification letter(s) will set out the details of the Reward 2. Reward 2 will then be applied to the premium payments of the third policy year and / or onwards as AXA deems appropriate.
- The Reward 2 will not be applicable to customers who have purchased the Designated AXA WiseGuard Pro Policy before the Promotion Period but subsequently cancelled such Designated AXA WiseGuard Pro Policy during its cooling off period and then re-applied for the same Designated AXA WiseGuard Pro Policy during the Promotion Period.
- Customer is only entitled to a maximum of 9 months’ premium refund on each AXA WiseGuard Pro Medical Insurance Plan under Reward 1and Reward 2. General provisions
- The premium refund under this Promotion is non-transferable, non-refundable and cannot be exchanged or redeemed for cash under any circumstances. AXA reserves the right to alter or terminate the Promotion (in whole or in part) and / or amend the relevant terms and conditions of the Promotion at any time without prior notice. Any application under the Promotion previously approved will not be affected by subsequent alteration or termination of the Promotion and / or amendments to its terms and conditions. This leaflet contains general information only. It does not constitute any offer for a basic plan or supplement (if applicable). For detailed terms, conditions and exclusions of the relevant basic plan and supplement (if applicable), please refer to the relevant proposals, product brochures and policy contracts. The premium refund under this Promotion is not guaranteed. Such application is subject to AXA’s approval. In case of any dispute, the decision of AXA shall be final and conclusive. For details, please refer to the relevant terms and conditions stated in the promotion leaflet. Notes
- The words and expressions “insured”, “policy owner” and “supplement” shown in this content shall carry the same meanings as “insured person”, “policy holder” and “rider” (respectively and where applicable) stated in the policy contract of AXA WiseGuard Pro Medical Insurance Plan.
- The premium refund(s) under the Promotion will form part of the relevant policy contract(s) upon the respective basic plan(s) and / or the supplement(s) (if applicable) being issued, and the requirements of the relevant premium refund(s) under the terms and conditions of the Promotion having been fulfilled.
The above information is provided by the advertiser. 10Life accepts no liability for any loss arising from the information and no obligation to update the information.
China Taiping | 中國太平
Taiping Life VHIS Priority 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 :
99.8%
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 :
2
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$12,995
Age 35 male
Avg. Premium :
$14,003
Average premium for male age 35 to 44
Bowtie | 保泰人壽
Bowtie Pink VHIS 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 :
99.5%
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 :
1
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$9,924$7,443^
Age 35 male
Avg. Premium :
$11,374
Average premium for male age 35 to 44
Limited Offer
Enjoy a 3-month premium waiver by using the promo code "BT10JAN" and a free body check
Product Highlights
- Full coverage1 without sub-limits for eligible medical expenses such as surgery, and prescribed non-surgical cancer treatments (e.g. Radiotherapy, Chemotherapy and Targeted therapy)
- $50,000,000 lifetime benefit limit
- Worldwide coverage1
- 2 covered room levels (Semi-private or Private)
- 4 deductible options
- Dedicated case specialist for application assistance and claims follow-up
- Premiums are eligible for annual tax deductions of up to HK$8000
Promotion offer
Enjoy a 3-month premium waiver by using the promo code "BT10JAN" and a free body check
Only applicable for successful application from 1 Jan 2022 to 31 Jan 2022.
¹The Bowtie Pink Voluntary Health Insurance series fully covers eligible medical expenses such as diagnosis, hospitalisation, surgery, and prescribed non-surgical cancer treatments (except in the United States), and is subject to annual benefit limits and lifetime benefit limits. If the claim involves a Mainland China Hospital unlisted in / a High-end Mainland China Hospital listed in the "List of Designated Hospitals in Mainland China" or confinement in a room higher than the designated ward class or a pre-existing condition, the relevant benefit payable may be adjusted.
Bowtie Life Insurance Company Limited (Bowtie) is a limited liability company incorporated in Hong Kong. Bowtie Pink VHIS Plan is underwritten by Bowtie and intended for sale in Hong Kong only. The above information is for reference only. For detailed terms and conditions of the product, key risks, and exclusions, please refer to the policy.
The above information is provided by the advertiser. 10Life accepts no liability for any loss arising from the information and no obligation to update the information.
Further Readings
VHIS Frequently Asked Questions
Remarks:
- The above premium excludes insurance levy collected by the Insurance Authority.
- The information on 10Life is intended for general education purpose and reference only, and does not constitute any insurance, financial, investment or other professional purchase advice or solicitation to buy insurance, financial or investment products. 10Life Product Ratings and Scores are mathematical calculations based on public product information and assumptions for generic customer segments. The Product Ratings and Scores DO NOT reflect YOUR personal needs. 10Life hereby excludes any liability arising from using the information and will not make warranty or guarantee on the accuracy, completeness and timeliness of the information or for any claims and / or losses caused thereby. You should seek independent professional advice and review the insurance product information carefully before purchasing any insurance products. The information shown in the communications placed on 10Life does not constitute an offer or solicitation for the purchase or sale of any banking or insurance products or services.
- 10Life Insurance Product Ratings are based on facts and data, and are not be influenced by any partnerships with insurance companies.