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High-end Medical (Private Room)

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 High-end Medical (Private Room) product(s) matching your selected filters.
Sort by
Cigna | 信諾
Cigna HealthFirst Elite Medical Plan
Product Details
Private$0 DeductibleAsiaFull Coverage
10.0/10
100.0%
6
$16,419$14,777#
$18,132
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 (Deluxe)
Product Details
PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
10.0/10
100.0%
3
$13,731
$16,032
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
AXA | 安盛
AXA WiseGuard Pro Medical Insurance Plan (Premier)
Product Details
PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
10.0/10
99.9%
3
$15,682
$17,667
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
FWD | 富衛
TheOne Medical Solution
Product Details
Private$0 DeductibleAsiaFull Coverage
10.0/10
100.0%
5
$12,343
$13,464
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
China Taiping | 中國太平
Taiping Diamond PreciousCare Medical Plan
Product Details
Private$0 DeductibleAsiaFull Coverage
9.9/10
98.9%
4
$13,260
$14,288
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
China Life | 中國人壽
Master Care
Product Details
Private$0 DeductibleAsiaFull Coverage
9.8/10
98.1%
4
$9,971
$11,696
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
Sun Life | 永明金融
SunHealth Medical Premier
Product Details
Private$0 DeductibleAsiaFull Coverage
9.6/10
95.9%
6
$15,518
$17,445
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
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Gold
Product Details
PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
9.6/10
95.8%
3
$17,749
$20,116
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
Learn more
Asia Insurance | 亞洲保險
Asia Elite – Standard Private Room
Product Details
PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
9.2/10
92.3%
1
$14,535
$15,087
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
China Taiping | 中國太平
Taiping Global Prime Medical Insurance Scheme
Product Details
Private$0 DeductibleAsiaFull Coverage
9.1/10
91.3%
4
$13,459
$15,422
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

High-end Medical (Private Room)

We found High-end Medical (Private Room) product(s) matching your selected filters.
Cigna | 信諾
Cigna HealthFirst Elite Medical Plan
Private$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 :
$16,419$14,777#
Age 35 male
Avg. Premium :
$18,132
Average premium for male age 35 to 44
Quote Now
Bupa | 保柏
Bupa Hero VHIS Plan (Deluxe)
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 :
3
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$13,731
Age 35 male
Avg. Premium :
$16,032
Average premium for male age 35 to 44
AXA | 安盛
AXA WiseGuard Pro Medical Insurance Plan (Premier)
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 :
3
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$15,682
Age 35 male
Avg. Premium :
$17,667
Average premium for male age 35 to 44
Action Now
FWD | 富衛
TheOne Medical Solution
Private$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 :
5
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$12,343
Age 35 male
Avg. Premium :
$13,464
Average premium for male age 35 to 44
China Taiping | 中國太平
Taiping Diamond PreciousCare Medical Plan
Private$0 DeductibleAsiaFull Coverage
Medical Coverage Score :
9.9/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
98.9%
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 :
4
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$13,260
Age 35 male
Avg. Premium :
$14,288
Average premium for male age 35 to 44
China Life | 中國人壽
Master Care
Private$0 DeductibleAsiaFull Coverage
Medical Coverage Score :
9.8/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
98.1%
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 :
$9,971
Age 35 male
Avg. Premium :
$11,696
Average premium for male age 35 to 44
Sun Life | 永明金融
SunHealth Medical Premier
Private$0 DeductibleAsiaFull Coverage
Medical Coverage Score :
9.6/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
95.9%
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 :
6
Based on the coverage of 8 selected additional features. Details
First Year Premium :
$15,518
Age 35 male
Avg. Premium :
$17,445
Average premium for male age 35 to 44
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Gold
PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
Medical Coverage Score :
9.6/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
95.8%
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 :
$17,749
Age 35 male
Avg. Premium :
$20,116
Average premium for male age 35 to 44
Learn more
Asia Insurance | 亞洲保險
Asia Elite – Standard Private Room
PrivateVHIS Flexi$0 DeductibleAsiaFull Coverage
Medical Coverage Score :
9.2/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
92.3%
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 :
$14,535
Age 35 male
Avg. Premium :
$15,087
Average premium for male age 35 to 44
China Taiping | 中國太平
Taiping Global Prime Medical Insurance Scheme
Private$0 DeductibleAsiaFull Coverage
Medical Coverage Score :
9.1/10
Medical Coverage Score is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Average Coverage :
91.3%
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 :
$13,459
Age 35 male
Avg. Premium :
$15,422
Average premium for male age 35 to 44

Further Readings

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.