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High-end Medical (Private Room)
Medical insurance mainly covers hospitalization expenses, and the policy is renewed on an annual basis. People who prefer the best in class medical services in private hospitals can opt for private plans. Some of these plans have maximum coverage limits on certain medical expense categories, while others offer “full coverage” on individual medical expense categories with an overall annual limit. Some plans also offer a choice of geographical locations of hospitals covered, and also a choice of deductibles. 10Life compares the medical insurance products (private room) in the market based on medical coverage and auxiliary benefits.
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VHIS
Gender
Life Stage
Room Type
Geographical Coverage
Average Annual Premium (Next 10 Years) HKD
0-50,000
Deductible (HKD)
0-0
Insurer/ Company28 / 28
No insurer meets the search criteria. Please try again.
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Cigna | Cigna HealthFirst Elite Medical Plan
Private$0 DeductibleAsia
9.6/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
Estimated Average Coverage : 100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 8.0/10
1st Year Premium : $14,621 (male age 35)
Avg. Premium : $16,876 (male age 35-44)
Product Website
Quote Now
Bupa | Bupa Hero VHIS Plan (Deluxe)
PrivateVHIS Flexi$0 DeductibleAsia
9.5/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
Updated
Estimated Average Coverage : 100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 7.5/10
1st Year Premium : $13,731 $9,612* (male age 35)
Avg. Premium : $16,032 (male age 35-44)
Product Website
Quote Now
HSBC Life | HSBC Voluntary Health Insurance Flexi Plan Gold
PrivateVHIS Flexi$0 DeductibleAsia
9.4/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
Estimated Average Coverage : 99.9%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 7.0/10
1st Year Premium : $17,749 (male age 35)
Avg. Premium : $20,116 (male age 35-44)
Learn more
AXA | AXA WiseGuard Pro Medical Insurance Plan (Premier)
PrivateVHIS Flexi$0 DeductibleAsia
9.2/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
Estimated Average Coverage : 99.9%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 6.0/10
1st Year Premium : $15,682 (male age 35)
Avg. Premium : $17,667 (male age 35-44)
Product Website
Action Now
China Life | Master Care
Private$0 DeductibleAsia
9.0/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
Estimated Average Coverage : 100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 5.0/10
1st Year Premium : $9,971 (male age 35)
Avg. Premium : $11,696 (male age 35-44)
China Taiping | Taiping Global Prime Medical Insurance Scheme
Private$0 DeductibleAsia
8.9/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
Estimated Average Coverage : 97.5%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 5.5/10
1st Year Premium : $13,459 (male age 35)
Avg. Premium : $15,422 (male age 35-44)
FWD | TheOne Medical Solution
Private$0 DeductibleAsia
8.7/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
Estimated Average Coverage : 100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 3.5/10
1st Year Premium : $12,343 (male age 35)
Avg. Premium : $13,464 (male age 35-44)
Sun Life | SunHealth Medical Premier
Private$0 DeductibleAsia
8.7/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
Estimated Average Coverage : 100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 3.5/10
1st Year Premium : $14,779 (male age 35)
Avg. Premium : $16,615 (male age 35-44)
AXA | Global Elite II - Standard
Private$0 DeductibleAsia
8.6/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
Estimated Average Coverage : 97.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 4.0/10
1st Year Premium : $17,913 (male age 35)
Avg. Premium : $19,684 (male age 35-44)
China Taiping | Taiping Diamond PreciousCare Medical Plan
Private$0 DeductibleAsia
8.4/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
Estimated Average Coverage : 100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 2.0/10
1st Year Premium : $13,260 (male age 35)
Avg. Premium : $14,288 (male age 35-44)
High-end Medical (Private Room)
9.6/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
Cigna | Cigna HealthFirst Elite Medical Plan
Private$0 DeductibleAsia
Estimated Average Coverage : 100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 8.0/10
1st Year Premium : $14,621 (male age 35)
Avg. Premium : $16,876 (male age 35-44)
Quote Now
9.5/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
Updated
Bupa | Bupa Hero VHIS Plan (Deluxe)
PrivateVHIS Flexi$0 DeductibleAsia
Estimated Average Coverage : 100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 7.5/10
1st Year Premium : $13,731 $9,612* (male age 35)
Avg. Premium : $16,032 (male age 35-44)
Quote Now
9.4/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
HSBC Life | HSBC Voluntary Health Insurance Flexi Plan Gold
PrivateVHIS Flexi$0 DeductibleAsia
Estimated Average Coverage : 99.9%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 7.0/10
1st Year Premium : $17,749 (male age 35)
Avg. Premium : $20,116 (male age 35-44)
Learn more
9.2/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
AXA | AXA WiseGuard Pro Medical Insurance Plan (Premier)
PrivateVHIS Flexi$0 DeductibleAsia
Estimated Average Coverage : 99.9%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 6.0/10
1st Year Premium : $15,682 (male age 35)
Avg. Premium : $17,667 (male age 35-44)
Action Now
9.0/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
China Life | Master Care
Private$0 DeductibleAsia
Estimated Average Coverage : 100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 5.0/10
1st Year Premium : $9,971 (male age 35)
Avg. Premium : $11,696 (male age 35-44)
8.9/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
China Taiping | Taiping Global Prime Medical Insurance Scheme
Private$0 DeductibleAsia
Estimated Average Coverage : 97.5%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 5.5/10
1st Year Premium : $13,459 (male age 35)
Avg. Premium : $15,422 (male age 35-44)
8.7/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
FWD | TheOne Medical Solution
Private$0 DeductibleAsia
Estimated Average Coverage : 100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 3.5/10
1st Year Premium : $12,343 (male age 35)
Avg. Premium : $13,464 (male age 35-44)
8.7/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
Sun Life | SunHealth Medical Premier
Private$0 DeductibleAsia
Estimated Average Coverage : 100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 3.5/10
1st Year Premium : $14,779 (male age 35)
Avg. Premium : $16,615 (male age 35-44)
8.6/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
AXA | Global Elite II - Standard
Private$0 DeductibleAsia
Estimated Average Coverage : 97.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 4.0/10
1st Year Premium : $17,913 (male age 35)
Avg. Premium : $19,684 (male age 35-44)
8.4/10
Includes Medical Coverage Score (80%) and Auxiliary Coverage Score (20%). Details
China Taiping | Taiping Diamond PreciousCare Medical Plan
Private$0 DeductibleAsia
Estimated Average Coverage : 100.0%
Based on the estimated coverage of 12 common cases, 10Life calculated the average which is the estimated average coverage of a medical insurance product. Details
Auxiliary Benefit Score : 2.0/10
1st Year Premium : $13,260 (male age 35)
Avg. Premium : $14,288 (male age 35-44)
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.

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