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 ... >>
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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.
Sort by
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 DeductibleAsiaFull Coverage
| 10.0/10 | 100.0% | 6 | $11,783$10,605# | $14,137 | |
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 41% off for single enrolment in Jul! Enrol with your family members or add more optional benefits to enjoy up to 50% off!
Product Highlights
- Annual benefit limit up to HK$25 million per year Treatment expenses include lung disease, cirrhosis, stroke & prescribed diagnostic imaging tests (e.g. MRI and CT scans)
- Full cover for all eligible cancer surgery expenses and treatments Such as chemotherapy or targeted therapy and all related outpatient expenses within 90 days before and 365 days after confinement or day case procedure
- 4 deductible options are available. Deductible for related treatments will be waived if you’re diagnosed with cancer
- Supplementary Critical Illness Benefit cover up to 98% critical illness Including cancer, heart attack, stroke. Extra living expenses up to HK$3,300,000
Promotion Offer
- Enjoy up to 41% off for single enrolment! Enrol with your family members or add more optional benefits to enjoy up to 50% off! From now to 31 July 2022 (both dates inclusive), enjoy up to 41% off for single enrolment! Enrol with your family members or add more optional benefits to enjoy up to 50% off!
- Up to 41% off for one Enjoy up to 41% off for one person's enrolment.
＃The Eligible Scheme must come into effect on 1 August 2022 with annual premium payment paid.
* Premium is calculated after welcome discount for the first year premium.
Relevant Information
Terms and conditions apply. Please refer to the product leaflet and product provision for details.
* Premium is calculated the welcome discount for the first year premium.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited will not be responsible for 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.
Semi-PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
| 10.0/10 | 100.0% | 6 | $13,918 | $15,010 | |
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 | 100.0% | 6 | $13,244 | $15,890 | |
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% | 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 |
Semi-PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
| 10.0/10 | 100.0% | 1 | $10,701 | $12,267 | |
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 | $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 |
Semi-PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
| 10.0/10 | 99.8% | 4 | $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 |
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
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 :
6
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$11,783$10,605#
Age 35 male
Avg. Premium :
$14,137
Average premium for male age 35 to 44
Limited offer
Enjoy up to 41% off for single enrolment in Jul! Enrol with your family members or add more optional benefits to enjoy up to 50% off!
Product Highlights
- Annual benefit limit up to HK$25 million per year Treatment expenses include lung disease, cirrhosis, stroke & prescribed diagnostic imaging tests (e.g. MRI and CT scans)
- Full cover for all eligible cancer surgery expenses and treatments Such as chemotherapy or targeted therapy and all related outpatient expenses within 90 days before and 365 days after confinement or day case procedure
- 4 deductible options are available. Deductible for related treatments will be waived if you’re diagnosed with cancer
- Supplementary Critical Illness Benefit cover up to 98% critical illness Including cancer, heart attack, stroke. Extra living expenses up to HK$3,300,000
Promotion Offer
- Enjoy up to 41% off for single enrolment! Enrol with your family members or add more optional benefits to enjoy up to 50% off! From now to 31 July 2022 (both dates inclusive), enjoy up to 41% off for single enrolment! Enrol with your family members or add more optional benefits to enjoy up to 50% off!
- Up to 41% off for one Enjoy up to 41% off for one person's enrolment.
＃The Eligible Scheme must come into effect on 1 August 2022 with annual premium payment paid.
* Premium is calculated after welcome discount for the first year premium.
Relevant Information
Terms and conditions apply. Please refer to the product leaflet and product provision for details.
* Premium is calculated the welcome discount for the first year premium.
The above information is provided by the advertiser to promote its products and services. 10Life Financial Limited will not be responsible for 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.
Sun Life | 永明金融
WeHealth Prestige
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 :
$13,918
Age 35 male
Avg. Premium :
$15,010
Average premium for male age 35 to 44
Bupa | 保柏
Bupa Hero VHIS Plan (Advance Pro)
Medical Coverage Score :
10.0/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details
Medical Inflation Protection :
Medical Inflation Protection means
- Full coverage
- Hgh annual limit
- No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Number of Additional Features :
6
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$13,244
Age 35 male
Avg. Premium :
$15,890
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
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 :
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 :
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
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 :
$10,701
Age 35 male
Avg. Premium :
$12,267
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
Age 35 male
Avg. Premium :
$13,084
Average premium for male age 35 to 44
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 :
4
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
Further Readings
VHIS Frequently Asked Questions
How is VHIS different from traditional medical insurance?
VHIS is a type of medical insurance. Any VHIS product must comply the minimum requirements set by the government, and policyholders can enjoy tax deductions.
What are the requirements of VHIS products?
VHIS products are certified by the Food and Health Bureau (FHB) to comply with the minimum requirements as follows:
- Standardised policy terms and conditions
- Minimum benefit coverage and amounts
- Premium transparency and cooling-off period of 21 days
- No lifetime benefit limit (except for some flexi plans)
- Covers unknown pre-existing conditions
- Covers treatment of congenital conditions
- Covers day case procedures
- Covers prescribed diagnostic imaging tests
- Covers prescribed non-surgical cancer treatments
- Covers psychiatric inpatient treatments in local hospitals
What is the difference between the VHIS Standard plans and Flexi plans?
The terms and benefits of the Standard plan are standardised with prescribed minimum requirements. Hence the Standard plans of different insurance companies are very similar. On the other hand, the Flexi plans are built upon the Standard plan with enhancements in coverage, such as increased limits on specific benefits, or adding additional benefit items.
How does the tax deduction work?
Taxpayers can claim a tax allowance on the VHIS premium paid for themselves and/or their dependants. The maximum allowance on each insurance policy is $8000. The actual tax deduction is calculated by multiplying the insurance premium by the marginal tax rate, with a maximum tax deduction of $1360 on each policy. For more details please refer to this article (Chinese version only)
Is there any restriction on the choice of hospitals and doctors under VHIS?
In general, the insured person under VHIS can use both public and private hospital services, and freely choose any hospitals and doctors. However, additional benefits of some flexi plans may be limited to designated hospitals and doctor networks.
Is the 10Life rating methodology credible?
10Life makes the rating methodology public with transparency and considers factors that matter to consumers. While you can read the methodology to understand the logic behind before comparing the products, you should also understand your own personal needs to see if the medical insurance can meet your needs.
Remarks:
- Any premium displayed excludes insurance levy collected by the Hong Kong Insurance Authority.
- 10Life Product Comparison and 10Life Insurance Ratings are operated by 10Life Financial Limited, an authorised insurance broker with Insurance Authority License Number FB1526. 10Life Product Comparison and 10Life Insurance Ratings are developed for generic customer segments using mathematical calculations based on product information, facts and data, and are not influenced by any partnerships with or fees received from insurance companies.
- Any information on 10Life Platform ("10Life Information"), including but not limited to Product Comparison, Product Ratings, Blog Articles are intended for general education purpose and reference only and should not be constituted as any insurance, financial, investment or other professional advice or solicitation to buy insurance, financial or investment products. 10Life Information does not take into account your individual needs. Reading 10Life Information should not be considered as conducting a suitability assessment. You should only rely on information authorised by insurance companies and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While best effort is used when collecting, validating and updating 10Life Information from various channels, none of 10Life Group and its subsidiaries, affiliates, agents, directors, officers and employees will be responsible for any liability arising from using 10Life Information or for any claims and/or losses caused thereby, and no warranty or guarantee is made on the accuracy, completeness and timeliness of the information.
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