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Voluntary Health Insurance Scheme

Medical Insurance mainly covers the hospitalisation costs incurred on a cost reimbursement basis. The policy is renewed annually with premium based on attained age of the insured. Most products have coverage limits on certain cost categories, while some products are based on “full coverage” structure. We compare the products based on the coverage ratios under different common medical scenarios, the medical expenses of which are adjusted accordingly based on the room type (ward/ semi-private/ private room) admitted at a Hong Kong private hospital.
Below are the 3 types of medical insurance:
  • Voluntary Health Insurance Scheme (VHIS): The VHIS policyholder can enjoy tax deductions on premium paid. The VHIS Standard plan is based on the minimum standards prescribed by the government. The VHIS Flexi plan is built upon the Standard plan by providing higher coverage through higher benefit limits or adding supplementary major medical coverage.
  • Medical Insurance: It covers medical expenses for various ward classes and different geographical regions such as Asia, Global excluding US.
  • International Medical Insurance: It covers medical expenses globally. Most of the plans offer "full coverage" on most individual medical expense categories with an overall annual limit. Designed for people who prefer the best-in-class medical services in private hospitals.
We found Voluntary Health Insurance Scheme product(s) matching your selected filters.
Sort by
Blue Cross | 藍十字保險
Dynasty VHIS Plan
Product Details
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features
Based on the coverage of 8 selected additional features. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Blue Cross | 藍十字保險
Dynasty VHIS Plan
Product Details
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features
Based on the coverage of 8 selected additional features. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
AIA | 友邦
AIA Voluntary Health Insurance Privilege Plus Scheme
Product Details
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features
Based on the coverage of 8 selected additional features. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Cigna | 信諾
Cigna VHIS Series – Flexi Plan (Superior) 1
Product Details
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features
Based on the coverage of 8 selected additional features. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Product Website
Quote Now
Bupa | 保柏
Bupa Hero VHIS Plan (Advance)
Product Details
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features
Based on the coverage of 8 selected additional features. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Product Website
FWD | 富衛
vPrime Medical Plan
Product Details
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features
Based on the coverage of 8 selected additional features. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Quote Now
Manulife | 宏利
Manulife Supreme VHIS Flexi Plan
Product Details
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features
Based on the coverage of 8 selected additional features. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
AXA | 安盛
AXA WiseGuard Pro Medical Insurance Plan (Enhance)
Product Details
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features
Based on the coverage of 8 selected additional features. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Action Now
New
China Taiping | 中國太平
Taiping Life VHIS Priority Plan
Product Details
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features
Based on the coverage of 8 selected additional features. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
New
Bowtie | 保泰人壽
Bowtie Pink VHIS Plan
Product Details
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features
Based on the coverage of 8 selected additional features. Details
First Year Premium
Age 35 male
Avg. Premium
Average premium for male age 35 to 44
Product Website
Quote Now

Voluntary Health Insurance Scheme

We found Voluntary Health Insurance Scheme product(s) matching your selected filters.
Blue Cross | 藍十字保險
Dynasty VHIS Plan
Semi-PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
Medical Coverage Score :
10.0/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details
Medical Inflation Protection :
Medical Inflation Protection means
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features :
6
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$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
Semi-PrivateVHIS Flexi$0 DeductibleGlobalFull Coverage
Medical Coverage Score :
10.0/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details
Medical Inflation Protection :
Medical Inflation Protection means
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features :
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
Semi-PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
Medical Coverage Score :
10.0/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details
Medical Inflation Protection :
Medical Inflation Protection means
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features :
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
Semi-PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
Medical Coverage Score :
10.0/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details
Medical Inflation Protection :
Medical Inflation Protection means
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features :
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
Quote Now
Bupa | 保柏
Bupa Hero VHIS Plan (Advance)
Semi-PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
Medical Coverage Score :
10.0/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the weighted average based on the estimated medical expense incurred in each case, which is the estimated average coverage of a medical insurance product. Details
Medical Inflation Protection :
Medical Inflation Protection means
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features :
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
Semi-PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
Medical Coverage Score :
10.0/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features :
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
Quote Now
Manulife | 宏利
Manulife Supreme VHIS Flexi Plan
Semi-PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
Medical Coverage Score :
10.0/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features :
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)
Semi-PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
Medical Coverage Score :
10.0/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features :
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
Action Now
New
China Taiping | 中國太平
Taiping Life VHIS Priority Plan
Semi-PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
Medical Coverage Score :
10.0/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features :
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
New
Bowtie | 保泰人壽
Bowtie Pink VHIS Plan
Semi-PrivateVHIS Flexi$0 DeductibleGlobal-ex-USFull Coverage
Medical Coverage Score :
10.0/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
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
  1. Full coverage
  2. Hgh annual limit
  3. No life time limit or guaranteed that benefits would not be reduced at renewal (i.e. all VHIS products) .
Details
Number of Additional Features :
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
Quote Now

Further Readings

VHIS Frequently Asked Questions

Remarks:

  1. The above premium excludes insurance levy collected by the Insurance Authority.
  2. 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.
  3. 10Life Insurance Product Ratings are based on facts and data, and are not be influenced by any partnerships with insurance companies.