Compare Medical Insurance

VHIS Quick Guide

Male

Age : 35

Ward

Geographical Coverage : Any

Deductible : 0 - 0

First Year Premium : 0 - 50,000 +

Average Annual Premium : 0 - 50,000 +

Insurer

Plan Type :

We found 61 Medical Insurance product(s) matching your selected filters.
Assumptions
FWD | 富衛
vTheOne Medical Plan (Premier)
Private
Global
VHIS Flexi
0 Deductible
9.8
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
8.3 / 10
10-year Avg. Premium
45,962
HKD
45,293
First Year Premium
40,138
HKD 33,451
Bupa Global | 保柏環球
Major Medical Global Health Plan
Private
Global
Non-VHIS
0 Deductible
9.5
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
5.4 / 10
10-year Avg. Premium
HKD
19,881
First Year Premium
HKD 16,455
Manulife | 宏利
ManuMaster - Elite
Private
Global
Non-VHIS
0 Deductible
9.5
/ 10
10Life Score
Medical Coverage Score
10 / 10
Special Feature Score
4.9 / 10
10-year Avg. Premium
HKD
48,592
First Year Premium
HKD 43,462
Prudential | 保誠保險
PRUmyhealth prestige
Private
Global
Non-VHIS
0 Deductible
9.4
/ 10
10Life Score
Medical Coverage Score
9.9 / 10
Special Feature Score
5 / 10
10-year Avg. Premium
HKD
45,869
First Year Premium
HKD 39,604
China Life | 中國人壽
Master Care
Private
Global
Non-VHIS
0 Deductible
9.4
/ 10
10Life Score
Medical Coverage Score
9.8 / 10
Special Feature Score
5.9 / 10
10-year Avg. Premium
HKD
29,950
First Year Premium
HKD 25,535
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Diamond
Private
Global
VHIS Flexi
0 Deductible
9.4
/ 10
10Life Score
Medical Coverage Score
9.8 / 10
Special Feature Score
5.7 / 10
10-year Avg. Premium
46,418
HKD
45,661
First Year Premium
37,872
HKD 30,298
Hang Seng | 恒生
Bupa Global Prestige VHIS Plan
Private
Global
VHIS Flexi
0 Deductible
9.4
/ 10
10Life Score
Medical Coverage Score
9.6 / 10
Special Feature Score
8.1 / 10
10-year Avg. Premium
HKD
47,682
First Year Premium
HKD 47,682
Sun Life | Sun Life 永明
SunHealth Medical Premier
Private
Global
Non-VHIS
0 Deductible
9.2
/ 10
10Life Score
Medical Coverage Score
9.6 / 10
Special Feature Score
5.8 / 10
10-year Avg. Premium
HKD
33,628
First Year Premium
HKD 29,923
Chubb Life | 安達人壽
Chubb Assured Medical Series
Private
Global
Non-VHIS
0 Deductible
9.0
/ 10
10Life Score
Medical Coverage Score
9.6 / 10
Special Feature Score
3.9 / 10
10-year Avg. Premium
HKD
49,605
First Year Premium
HKD 44,264
AXA Hong Kong and Macau | AXA 安盛
Global Elite II - Standard
Private
Global
Non-VHIS
0 Deductible
8.7
/ 10
10Life Score
Medical Coverage Score
9.1 / 10
Special Feature Score
5.2 / 10
10-year Avg. Premium
HKD
49,210
First Year Premium
HKD 44,095
Blue Cross | 藍十字保險
Tycoon - Platinum
Private
Global
Non-VHIS
0 Deductible
8.7
/ 10
10Life Score
Medical Coverage Score
9.1 / 10
Special Feature Score
4.9 / 10
10-year Avg. Premium
HKD
40,058
First Year Premium
HKD 35,560
Liberty Insurance | 利寶
proMedico Plan C
Private
Global
Non-VHIS
0 Deductible
8.7
/ 10
10Life Score
Medical Coverage Score
9.1 / 10
Special Feature Score
4.8 / 10
10-year Avg. Premium
HKD
41,723
First Year Premium
HKD 35,872
Blue Cross | 藍十字保險
Tycoon - Gold
Private
Global
Non-VHIS
0 Deductible
8.6
/ 10
10Life Score
Medical Coverage Score
9.1 / 10
Special Feature Score
3.8 / 10
10-year Avg. Premium
HKD
36,206
First Year Premium
HKD 32,304
MSIG | MSIG
VHIS Prestige Care (Plan C with Supplementary Major Medical Benefit)
Private
Global
VHIS Flexi
0 Deductible
8.4
/ 10
10Life Score
Medical Coverage Score
9.1 / 10
Special Feature Score
2.6 / 10
10-year Avg. Premium
HKD
28,393
First Year Premium
HKD 25,866
Blue Cross | 藍十字保險
Taipan
Private
Global
Non-VHIS
0 Deductible
8.2
/ 10
10Life Score
Medical Coverage Score
8.9 / 10
Special Feature Score
2.2 / 10
10-year Avg. Premium
HKD
37,842
First Year Premium
HKD 36,680
FWD | 富衛
vTheOne Medical Plan (Premier)
Private
Global
VHIS Flexi
0 Deductible
10Life Score
9.8
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
8.3 / 10
10-year Avg. Premium
HKD 45,293 /Year
45,962
First Year Premium
HKD 33,451
40,138
Bupa Global | 保柏環球
Major Medical Global Health Plan
Private
Global
Non-VHIS
0 Deductible
10Life Score
9.5
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
5.4 / 10
10-year Avg. Premium
HKD 19,881 /Year
First Year Premium
HKD 16,455
Manulife | 宏利
ManuMaster - Elite
Private
Global
Non-VHIS
0 Deductible
10Life Score
9.5
/ 10
Medical Coverage Score
10 / 10
Special Feature Score
4.9 / 10
10-year Avg. Premium
HKD 48,592 /Year
First Year Premium
HKD 43,462
Prudential | 保誠保險
PRUmyhealth prestige
Private
Global
Non-VHIS
0 Deductible
10Life Score
9.4
/ 10
Medical Coverage Score
9.9 / 10
Special Feature Score
5 / 10
10-year Avg. Premium
HKD 45,869 /Year
First Year Premium
HKD 39,604
China Life | 中國人壽
Master Care
Private
Global
Non-VHIS
0 Deductible
10Life Score
9.4
/ 10
Medical Coverage Score
9.8 / 10
Special Feature Score
5.9 / 10
10-year Avg. Premium
HKD 29,950 /Year
First Year Premium
HKD 25,535
HSBC Life | 滙豐保險
HSBC Voluntary Health Insurance Flexi Plan Diamond
Private
Global
VHIS Flexi
0 Deductible
10Life Score
9.4
/ 10
Medical Coverage Score
9.8 / 10
Special Feature Score
5.7 / 10
10-year Avg. Premium
HKD 45,661 /Year
46,418
First Year Premium
HKD 30,298
37,872
Hang Seng | 恒生
Bupa Global Prestige VHIS Plan
Private
Global
VHIS Flexi
0 Deductible
10Life Score
9.4
/ 10
Medical Coverage Score
9.6 / 10
Special Feature Score
8.1 / 10
10-year Avg. Premium
HKD 47,682 /Year
First Year Premium
HKD 47,682
Sun Life | Sun Life 永明
SunHealth Medical Premier
Private
Global
Non-VHIS
0 Deductible
10Life Score
9.2
/ 10
Medical Coverage Score
9.6 / 10
Special Feature Score
5.8 / 10
10-year Avg. Premium
HKD 33,628 /Year
First Year Premium
HKD 29,923
Chubb Life | 安達人壽
Chubb Assured Medical Series
Private
Global
Non-VHIS
0 Deductible
10Life Score
9.0
/ 10
Medical Coverage Score
9.6 / 10
Special Feature Score
3.9 / 10
10-year Avg. Premium
HKD 49,605 /Year
First Year Premium
HKD 44,264
AXA Hong Kong and Macau | AXA 安盛
Global Elite II - Standard
Private
Global
Non-VHIS
0 Deductible
10Life Score
8.7
/ 10
Medical Coverage Score
9.1 / 10
Special Feature Score
5.2 / 10
10-year Avg. Premium
HKD 49,210 /Year
First Year Premium
HKD 44,095
Blue Cross | 藍十字保險
Tycoon - Platinum
Private
Global
Non-VHIS
0 Deductible
10Life Score
8.7
/ 10
Medical Coverage Score
9.1 / 10
Special Feature Score
4.9 / 10
10-year Avg. Premium
HKD 40,058 /Year
First Year Premium
HKD 35,560
Liberty Insurance | 利寶
proMedico Plan C
Private
Global
Non-VHIS
0 Deductible
10Life Score
8.7
/ 10
Medical Coverage Score
9.1 / 10
Special Feature Score
4.8 / 10
10-year Avg. Premium
HKD 41,723 /Year
First Year Premium
HKD 35,872
Blue Cross | 藍十字保險
Tycoon - Gold
Private
Global
Non-VHIS
0 Deductible
10Life Score
8.6
/ 10
Medical Coverage Score
9.1 / 10
Special Feature Score
3.8 / 10
10-year Avg. Premium
HKD 36,206 /Year
First Year Premium
HKD 32,304
MSIG | MSIG
VHIS Prestige Care (Plan C with Supplementary Major Medical Benefit)
Private
Global
VHIS Flexi
0 Deductible
10Life Score
8.4
/ 10
Medical Coverage Score
9.1 / 10
Special Feature Score
2.6 / 10
10-year Avg. Premium
HKD 28,393 /Year
First Year Premium
HKD 25,866
Blue Cross | 藍十字保險
Taipan
Private
Global
Non-VHIS
0 Deductible
10Life Score
8.2
/ 10
Medical Coverage Score
8.9 / 10
Special Feature Score
2.2 / 10
10-year Avg. Premium
HKD 37,842 /Year
First Year Premium
HKD 36,680
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Medical Insurance Quick Guide

What is Medical (Inpatient) Insurance?
Hospitalisation and surgical coverage
Reimbursement basis
Annual renewal

Medical Insurance reimburses the insured for eligible medical expenses on an indemnity basis, usually involving hospitalisation and surgical expenses. Note that medical insurance will specify the type of hospital room and the geographic area covered.
Medical insurance can be  VHIS and non-VHIS, with the former being government-approved and tax deductible.

Ward Type
tutorial-medical-ward-icon.png
Ward Room
Also know as general ward, with multiple beds
tutorial-medical-semiprivate-icon.png
Semi-private Room
Usually has 2 beds and a shared bathroom
tutorial-medical-private-ico.png
Private Room
1 bed, dedicated bathroom, higher room rates
Medical Insurance Glossary

Deductible

This is the claim amount that the insured will have to pay out-of-pocket. For example, if the eligible medical expenses are $100,000 and the medical insurance plan has a $30,000 deductible, the insured will be responsible for $30,000 upfront and the remaining $70,000 will be covered by the insurance company.
tutorial_medical-dictionary-Deductible.png

Full Coverage

Full coverage means the company will cover the full amount of eligible medical expenses with no sub-limits on individual items, subject to terms such as annual and lifetime benefit limits.
tutorial_medical-dictionary-Full-Coverage.png

Supplementary Major Medical (SMM)

Eligible medical expenses exceeding the basic benefit limit may be covered through SMM. However, SMM usually has co-payment and the insured is still responsible for part of the cost.
tutorial_medical-dictionary-SMM.png
Who needs Medical Insurance?
tutorial-kids-icon.png
Children
Children get sick easily because of weaker immune system. A good medical insurance policy can offer children to have better medical care and lessen the burden on the family.
home-lifestage-single.png
Singles
Sometimes illness and injury are unpredictable. Medical insurance let the insured person get better medical treatment and offset some of the medical expenses.
home-lifestage-family.png
Newly Weds
Starting a family is a important life event. However, sickness and health problems are major threats to family's well-being. It is important to purchase medical insurance as early as possible to protect your family.
Frequently Ask Questions
What is the difference between medical insurance and VHIS?

VHIS is a type of medical insurance that meets the minimum requirements set by the government, and policyholders are entitled to tax deductions.

I have group / company health cover, do I still need to buy my own medical insurance?

Group health insurance usually only provides basic outpatient and inpatient coverage, which may not be sufficient to cover medical expenses for serious injuries or illnesses. And when you change jobs or retire, you may lose all your coverage.

What is the difference between medical insurance and critical illness insurance?

Medical insurance covers eligible medical expenses on a reimbursement basis, while critical illness insurance provides a lump-sum cash benefit for specified illnesses.

Should I buy medical insurance first before going for medical check-up?

We recommend getting medical insurance as early as possible. You may get medical insurance coverage before medical check-ups to get the maximum protection.

What is geographical coverage?

Medical insurance usually specifies the geographical area of the hospitals that are covered, such as Greater China, Asia, Global ex-US, and Global.

Which is the best insurance company for Medical (in-patient) Insurance?

Many customers are concerned about whether insurance product benefits are sufficient. To make it easier for customers to compare the protection of medical insurance, 10Life actuaries have calculated the reimbursement rate of each product based on 12 common injuries and illnesses and evaluates whether the product can withstand medical inflation.

Cross_Selling_Banner_Best_Insurer
Cross_Selling_Banner_Best_Insurer
Which is the best insurance company for Medical (in-patient) Insurance?

Many customers are concerned about whether insurance product benefits are sufficient. To make it easier for customers to compare the protection of medical insurance, 10Life actuaries have calculated the reimbursement rate of each product based on 12 common injuries and illnesses and evaluates whether the product can withstand medical inflation.

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