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Top 10 VHIS (Ward) – Coverage Score
2021Q1
| Rank | Company | Product | VHIS (Tax Deductible) | 10Life Coverage Score | Avg. Annual Premium (M Age 35- 44) HKD | Avg. Annual Premium (F Age 35- 44) HKD |
|---|---|---|---|---|---|---|
| 1 | 富衛 FWD | vCANsurance Medical Plan (Standard) | 10.0 | $5,401 | $7,039 | |
| 2 | 安盛 AXA | AXA WiseGuard Pro Medical Insurance Plan (Regular) | 10.0 | $9,597 | $9,597 | |
| 2 | 滙豐保險 HSBC Life | HSBC Voluntary Health Insurance Flexi Plan Bronze | 10.0 | $10,784 | $10,784 | |
| 4 | 富衛 FWD | vCare Supreme Medical Plan | 9.0 | $4,680 | $6,173 | |
| 5 | 富通 FTLife | “TopCare” Medical Insurance Plan (Benefit Level 2 with Major Medical Benefit) | 8.7 | $6,282 | $9,229 | |
| 6 | 富通 FTLife | “TopCare” Medical Insurance Plan (Benefit Level 1 with Major Medical Benefit) | 8.6 | $5,255 | $7,688 | |
| 7 | 保柏 Bupa | Bupa MyFlexi VHIS Plan Standard Plus | 8.5 | $6,731 | $6,731 | |
| 8 | 安聯 Allianz | ALLIANZ ULTRA MEDICAL PROTECT (Silver Plan with SMM) | 8.4 | $8,272 | $11,378 | |
| 9 | 蘇黎世 Zurich | HealthFlexi Voluntary Health Insurance Plan Essential with Supplementary Major Medical | 8.3 | $5,497 | $6,948 | |
| 10 | 信諾 Cigna | Cigna VHIS Series - Flexi Plan (SMM) | 8.3 | $5,207 | $5,207 |
Company
Product
Product
滙豐保險 HSBC Life
富衛 FWD
信諾 Cigna
Rank
VHIS (Tax
Deductible)
Deductible)
10Life
Coverage
Score
Coverage
Score
Avg. Annual
Premium
(M Age 35-
44) HKD
Premium
(M Age 35-
44) HKD
Avg. Annual
Premium
(F Age 35-
44) HKD
Premium
(F Age 35-
44) HKD
1
10.0
$5,401
$7,039
2
10.0
$9,597
$9,597
2
10.0
$10,784
$10,784
4
9.0
$4,680
$6,173
5
8.7
$6,282
$9,229
6
8.6
$5,255
$7,688
7
8.5
$6,731
$6,731
8
8.4
$8,272
$11,378
9
8.3
$5,497
$6,948
10
8.3
$5,207
$5,207
Remarks: 1. The above information as of 2021-1-1. 2. 10Life sources product information from external resources and applies assumptions and mathematical calculations to arrive at the above scores. All information is intended for general education purpose and reference only, and does not constitute any insurance purchase advice. You should seek independent advice before purchasing any policy. 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. 3. The insured is age 35-44 Adult, non-smoker, staying at Ward Room.
Disclaimer
10Life strives to use unbiased scoring methodologies to compare insurance products. We obtain public information of insurance companies from different sources and apply data analytics to derive scores and ratings. The information for reference only and does not take into account your personal needs or constitute any sales advice. You should seek advice from licensed insurance advisors before purchasing insurance products. 10Life may review and revise the scoring methodologies regularly to enhance the product comparisons. If you have any enquiries or suggestions on our scoring methodologies, please email us at enquiries@10life.com
