Buying Family Health Insurance (with summary on VHIS family discounts) (Chinese Article)
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，守護健康，醫 ... >>
25/01/2021
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Voluntary Health Insurance Scheme (VHIS) mainly covers the hospitalisation costs incurred by the insured. The VHIS policyholder can enjoy tax deductions on the premium paid. The VHIS Standard plan is based on the minimum standards prescribed by the government such that products across insurance companies have almost the same terms. The VHIS Flexi plan is built upon the Standard plan by providing higher coverage through higher benefit limits or adding supplementary major medical. Similar to the product structure of mass market medical insurance, most VHIS plans have coverage limits on certain cost categories. VHIS is annually renewable with premium based on the age of the insured, and claims are on a reimbursement basis. We compare products based on the estimated coverage ratios under various medical scenarios, where the medical expenses are adjusted according to the room type (e.g. ward, semi-private) admitted at a Hong Kong private hospital.
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VHIS
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The amount policyholder pays for covered health services before medical insurance plan starts to pay. This helps reduce the price of medical insurance.
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FWD | vCANsurance Medical Plan (Superior)
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. 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
First Year Premium : $9,149 $5,337# (male age 35)
Avg. Premium : $10,245 (male age 35-44)
Limited Offer
Enjoy up to 6-month premium discount with annual premium payment and multiple offers
Product Highlights
- Worldwide full coverage
Provides full coverage on a wide range of hospitalisation expenses so you wouldn’t have to worry about having too many itemised benefit limits
- Innovative reimbursement basis with limits reset per Disability per Policy Year
You can utilise your coverage by having the limits of individual benefit items and the aggregate limits per Disability per Policy Year counted afresh for each Disability or in each Policy Year.
- Covers unknown Pre-existing Conditions starting from the 31st day of the first Poicy Year
It also covers Congenital Condition having manifested or been diagnosed at any age attains starting from the 31st day of the first Poicy Year.
- Get rewards by staying healthy with your family
Enjoys individual and extra no claims premium discount of up to 25%.
Promotion offer
Up to 6-month premium discount
Customers may enjoy a 5-month Premium Discount with annual premium payment mode within the promotion period.
If customer apply FWD designated VHIS Plans for your specified relative(s) at the same time, each eligible policy will be entitled to an extra 1-month premium discount in the 1st policy year.
Only applicable for successful application from 12 October 2020 to 30 November 2020 and policies must be issued on or before 31 December 2020.
# Premium is calculated after 5-month premium discount for the first year premium.
Relevant information
* Terms and conditions apply. Please refer to the promotional flyer, product leaflet and policy provisions for details. **vCANsurance Medical Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited, a company incorporated in Bermuda with limited liability (“FWD”).
Bupa | Bupa Hero VHIS Plan (Advance)
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Updated
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
First Year Premium : $11,254 $7,878* (male age 35)
Avg. Premium : $13,502 (male age 35-44)
Limited offer
Enjoy 30% off in Jan! Up to 53% off for 3 family members.
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 30 days before and 90 days after confinement or day case procedure
- 4 deductible options are available to further lower your premiums up to 68%
- Video consultation services with door-to-door medication. Medication delivery charge will also be waived during the special protection period.
Promotion offer
- Enjoy 30% off for single enrolment in Jan From 1 January 2021 to 31 January 2021 (both dates inclusive), enjoy 30% off for Single Enrolment, and welcome discount up to 53% off for family members who enrol together, using annual payment mode. For 2 family members who enrol together, they can firstly enjoy 10% family discount, and an extra 40% discount will be subsequently applied to the discounted premium; For 3 or more family members who enrol together, they can firstly enjoy 15% family discount, and an extra 45% discount will be subsequently applied to the discounted premium.
- 30% off for one Enjoy 30% off welcome offer for one person's enrolment.
＃The Eligible Scheme must come into effect on 1 February 2021 with annual premium payment paid. * Premium is calculated after 30% welcome discount for the first year premium.
Relevant Information
Terms and conditions apply. Please refer to the product leaflet and product provision for details.
FWD | vPrime Medical Plan
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. 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
First Year Premium : $12,189 $7,110* (male age 35)
Avg. Premium : $13,084 (male age 35-44)
Limited Offer
Enjoy up to 6-month Premium Discount with annual premium payment!
Product Highlights
- Full Cover Up to HK$8 million per Policy Year and HK$45 million per Life on medical expenses incurred for hospitalisation and surgery
- Add-on Features Including First-dollar Coverage - Deductible Waived for Designated Crises and 2-year Free Coverage for Newborns^
- Get rewards for staying healthy with your family Individual Premium Discount plus Extra No Claims Premium Discount up to total 25%
^ These benefits are not part of the Terms and Benefits of the VHIS Certified Plan - vPrime Medical Plan.
Promotion offer
- Up to 6-month Premium Discount Customers may enjoy a 5-month Premium Discount with annual premium payment mode within the promotion period. If customer apply FWD Life VHIS Plans for your specified relative(s) at the same time, each eligible policy will be entitled to an extra 1-month premium discount in the 1st policy year.
Only applicable for successful application from 1 May 2020 to 30 November 2020 and policies must be issued on or before 31 December 2020. * Premium is calculated after 5-month premium discount for the first year premium.
Relevant Information
* Terms and conditions apply. Please refer to the product brochure and product provision for details.
AXA | AXA WiseGuard Pro Medical Insurance Plan (Enhance)
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. 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
First Year Premium : $12,275 (male age 35)
Avg. Premium : $13,390 (male age 35-44)
HSBC Life | HSBC Voluntary Health Insurance Flexi Plan Silver
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. 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
First Year Premium : $13,474 (male age 35)
Avg. Premium : $15,025 (male age 35-44)
3x limited offers
Get up to 25% discount off on your 1st year premium upon successful enrolment in the VHIS Flexi Plan, plus other limited offers when you apply
Product Highlights
- Cover yourself against unknown pre-existing conditions
- Fully covered* for hospitalisation and surgical fees without any sub-limits in event you need medical care
- Surgical and non-surgical cancer treatment expenses are both covered
- Ease your worries with cashless arrangements
- Rest easy with home nursing services
- 4 different plans, 3 geographical coverage and 4 annual deductible options
- No-claim discount benefit
- Claim tax deductions up to HK$8,000
* Full coverage shall mean the actual amount of eligible expenses and other expenses charged and payable subject to annual benefit limit, lifetime benefit limit, and other related conditions. The claim must be medically necessary and the cost must also be reasonable.
Promotion offer
Offer 1: Earn up to an extra $3,000 RewardCash! Pay new policy’s premium to HSBC Life with HSBC Premier Mastercard® Credit Card* to enjoy the offer. Offer ends 30 June 2021. Offer 2: Enjoy one-year premium waiver Eligible customers can get a first year premium waiver on our prescribed HSBC VHIS Flexi Plan when applying for any selected life insurance plan with designated annual premium amount (applicable to annual payment policy only). Offer ends 31 March 2021. Offer 3: Get up to 25% off your first-year premium Apply now to enjoy one of the following offers, • Enjoy 15% off your first year premium when applying for HSBC VHIS Flexi plan upon opening a new bank account or upgrading your current HSBC bank account. Offer ends 31 March 2021. • Enjoy 10% off your first year premium when applying for HSBC VHIS Flexi plan and any HSBC qualifying deferred annuity plan together. Offer ends 31 March 2021. Moreover, family members apply HSBC VHIS Flexi plan together can enjoy 10% discount on first year premium. *Terms and conditions apply to promotions listed above. Please refer to https://www.hsbc.com.hk/vhis-flexi for details.
Relevant information
* Terms and conditions apply. Please refer to the product brochure and product provision on HSBC website for details.
Manulife | Manulife Supreme VHIS Flexi Plan
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. 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
First Year Premium : $14,151 (male age 35)
Avg. Premium : $15,806 (male age 35-44)
AIA | AIA Voluntary Health Insurance Prime Scheme
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 99.6%
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
First Year Premium : $12,960 (male age 35)
Avg. Premium : $13,912 (male age 35-44)
Zurich | HealthFlexi Plus Voluntary Health Insurance Plan
9.9/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 98.7%
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
First Year Premium : $10,632 (male age 35)
Avg. Premium : $13,201 (male age 35-44)
Liberty Insurance | VHIS Series – Flexi Plan (Premium)
9.8/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 98.4%
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
First Year Premium : $11,292 (male age 35)
Avg. Premium : $13,015 (male age 35-44)
Prudential | PRUHealth VHIS VIP Plan
9.8/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Estimated Average Coverage : 98.3%
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
First Year Premium : $15,702 (male age 35)
Avg. Premium : $17,488 (male age 35-44)
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
FWD | vCANsurance Medical Plan (Superior)
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
First Year Premium : $9,149 $5,337# (male age 35)
Avg. Premium : $10,245 (male age 35-44)
Limited Offer
Enjoy up to 6-month premium discount with annual premium payment and multiple offers
Product Highlights
- Worldwide full coverage
Provides full coverage on a wide range of hospitalisation expenses so you wouldn’t have to worry about having too many itemised benefit limits
- Innovative reimbursement basis with limits reset per Disability per Policy Year
You can utilise your coverage by having the limits of individual benefit items and the aggregate limits per Disability per Policy Year counted afresh for each Disability or in each Policy Year.
- Covers unknown Pre-existing Conditions starting from the 31st day of the first Poicy Year
It also covers Congenital Condition having manifested or been diagnosed at any age attains starting from the 31st day of the first Poicy Year.
- Get rewards by staying healthy with your family
Enjoys individual and extra no claims premium discount of up to 25%.
Promotion offer
Up to 6-month premium discount
Customers may enjoy a 5-month Premium Discount with annual premium payment mode within the promotion period.
If customer apply FWD designated VHIS Plans for your specified relative(s) at the same time, each eligible policy will be entitled to an extra 1-month premium discount in the 1st policy year.
Only applicable for successful application from 12 October 2020 to 30 November 2020 and policies must be issued on or before 31 December 2020.
# Premium is calculated after 5-month premium discount for the first year premium.
Relevant information
* Terms and conditions apply. Please refer to the promotional flyer, product leaflet and policy provisions for details. **vCANsurance Medical Plan is underwritten by FWD Life Insurance Company (Bermuda) Limited, a company incorporated in Bermuda with limited liability (“FWD”).
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Updated
Bupa | Bupa Hero VHIS Plan (Advance)
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
First Year Premium : $11,254 $7,878* (male age 35)
Avg. Premium : $13,502 (male age 35-44)
Limited offer
Enjoy 30% off in Jan! Up to 53% off for 3 family members.
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 30 days before and 90 days after confinement or day case procedure
- 4 deductible options are available to further lower your premiums up to 68%
- Video consultation services with door-to-door medication. Medication delivery charge will also be waived during the special protection period.
Promotion offer
- Enjoy 30% off for single enrolment in Jan From 1 January 2021 to 31 January 2021 (both dates inclusive), enjoy 30% off for Single Enrolment, and welcome discount up to 53% off for family members who enrol together, using annual payment mode. For 2 family members who enrol together, they can firstly enjoy 10% family discount, and an extra 40% discount will be subsequently applied to the discounted premium; For 3 or more family members who enrol together, they can firstly enjoy 15% family discount, and an extra 45% discount will be subsequently applied to the discounted premium.
- 30% off for one Enjoy 30% off welcome offer for one person's enrolment.
＃The Eligible Scheme must come into effect on 1 February 2021 with annual premium payment paid. * Premium is calculated after 30% welcome discount for the first year premium.
Relevant Information
Terms and conditions apply. Please refer to the product leaflet and product provision for details.
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
FWD | vPrime Medical Plan
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
First Year Premium : $12,189 $7,110* (male age 35)
Avg. Premium : $13,084 (male age 35-44)
Limited Offer
Enjoy up to 6-month Premium Discount with annual premium payment!
Product Highlights
- Full Cover Up to HK$8 million per Policy Year and HK$45 million per Life on medical expenses incurred for hospitalisation and surgery
- Add-on Features Including First-dollar Coverage - Deductible Waived for Designated Crises and 2-year Free Coverage for Newborns^
- Get rewards for staying healthy with your family Individual Premium Discount plus Extra No Claims Premium Discount up to total 25%
^ These benefits are not part of the Terms and Benefits of the VHIS Certified Plan - vPrime Medical Plan.
Promotion offer
- Up to 6-month Premium Discount Customers may enjoy a 5-month Premium Discount with annual premium payment mode within the promotion period. If customer apply FWD Life VHIS Plans for your specified relative(s) at the same time, each eligible policy will be entitled to an extra 1-month premium discount in the 1st policy year.
Only applicable for successful application from 1 May 2020 to 30 November 2020 and policies must be issued on or before 31 December 2020. * Premium is calculated after 5-month premium discount for the first year premium.
Relevant Information
* Terms and conditions apply. Please refer to the product brochure and product provision for details.
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
AXA | AXA WiseGuard Pro Medical Insurance Plan (Enhance)
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
First Year Premium : $12,275 (male age 35)
Avg. Premium : $13,390 (male age 35-44)
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
HSBC Life | HSBC Voluntary Health Insurance Flexi Plan Silver
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
First Year Premium : $13,474 (male age 35)
Avg. Premium : $15,025 (male age 35-44)
3x limited offers
Get up to 25% discount off on your 1st year premium upon successful enrolment in the VHIS Flexi Plan, plus other limited offers when you apply
Product Highlights
- Cover yourself against unknown pre-existing conditions
- Fully covered* for hospitalisation and surgical fees without any sub-limits in event you need medical care
- Surgical and non-surgical cancer treatment expenses are both covered
- Ease your worries with cashless arrangements
- Rest easy with home nursing services
- 4 different plans, 3 geographical coverage and 4 annual deductible options
- No-claim discount benefit
- Claim tax deductions up to HK$8,000
* Full coverage shall mean the actual amount of eligible expenses and other expenses charged and payable subject to annual benefit limit, lifetime benefit limit, and other related conditions. The claim must be medically necessary and the cost must also be reasonable.
Promotion offer
Offer 1: Earn up to an extra $3,000 RewardCash! Pay new policy’s premium to HSBC Life with HSBC Premier Mastercard® Credit Card* to enjoy the offer. Offer ends 30 June 2021. Offer 2: Enjoy one-year premium waiver Eligible customers can get a first year premium waiver on our prescribed HSBC VHIS Flexi Plan when applying for any selected life insurance plan with designated annual premium amount (applicable to annual payment policy only). Offer ends 31 March 2021. Offer 3: Get up to 25% off your first-year premium Apply now to enjoy one of the following offers, • Enjoy 15% off your first year premium when applying for HSBC VHIS Flexi plan upon opening a new bank account or upgrading your current HSBC bank account. Offer ends 31 March 2021. • Enjoy 10% off your first year premium when applying for HSBC VHIS Flexi plan and any HSBC qualifying deferred annuity plan together. Offer ends 31 March 2021. Moreover, family members apply HSBC VHIS Flexi plan together can enjoy 10% discount on first year premium. *Terms and conditions apply to promotions listed above. Please refer to https://www.hsbc.com.hk/vhis-flexi for details.
Relevant information
* Terms and conditions apply. Please refer to the product brochure and product provision on HSBC website for details.
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Manulife | Manulife Supreme VHIS Flexi Plan
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
First Year Premium : $14,151 (male age 35)
Avg. Premium : $15,806 (male age 35-44)
10.0/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
AIA | AIA Voluntary Health Insurance Prime Scheme
Estimated Average Coverage : 99.6%
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
First Year Premium : $12,960 (male age 35)
Avg. Premium : $13,912 (male age 35-44)
9.9/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Zurich | HealthFlexi Plus Voluntary Health Insurance Plan
Estimated Average Coverage : 98.7%
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
First Year Premium : $10,632 (male age 35)
Avg. Premium : $13,201 (male age 35-44)
9.8/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Liberty Insurance | VHIS Series – Flexi Plan (Premium)
Estimated Average Coverage : 98.4%
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
First Year Premium : $11,292 (male age 35)
Avg. Premium : $13,015 (male age 35-44)
9.8/10
Estimated Medical Coverage is the estimated average coverage ratio of selected hospitalisation cases with different severity levels and required medical services. Details
Prudential | PRUHealth VHIS VIP Plan
Estimated Average Coverage : 98.3%
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
First Year Premium : $15,702 (male age 35)
Avg. Premium : $17,488 (male age 35-44)
Further Readings
Low cost VHIS - medical coverage options at below HK$4000 a year (Chinese Article)
新冠肺炎大大打擊香港的零售、旅遊、餐飲業，導致經濟下滑，不少市民的收入大受影響， ... >>
09/10/2020
“Full Coverage” VHIS (Semi-private Room) Using deductibles to get lower premium (Chinese Article)
俗語有云，有頭髮，邊個想做癩痢？同樣道理，有錢住私家，邊個想排公立？問題是哪有錢。雖然香港私家醫療水 ... >>
09/10/2020
Protection from Massive Medical Bills! Comparing VHIS Semi-Private Plans (Chinese Article)
香港的公營醫療遠超負荷，每逢流感高峰期，病床甚至擺放到走廊，使用率更超出100%，情況令人憂 ... >>
25/01/2021
VHIS Frequently Asked Questions
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:
Please click here for details (Chinese Version Only)
- Policy Terms and Conditions
- Benefit Coverage and Limits
- 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 Treatments
Please click here for details (Chinese Version Only)
What is the difference between VHIS and traditional medical insurance?
VHIS is actually a medical insurance product having similar benefit structures as traditional mass medical insurance. The major difference is that VHIS products must be certified by the government to comply with the minimum requirements, and the policyholder can enjoy tax deduction.
How does the tax deduction work?
Taxpayers can claim a tax allowance on the VHIS premiums 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)
For more details please refer to this article (Chinese Version Only)
Remarks:
- The above premium excludes insurance levy collected by the Insurance Authority.
- 10Life obtains public product information from different sources and applies assumptions and mathematical calculations to arrive at the product scores. All information is intended for general education purpose and reference only, and does not constitute any insurance, financial, investment or other professional purchase advice. 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 advice before purchasing any insurance products.
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