Medical Insurance Comparison 2026

Ward

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.7 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 5,471 /Year

5,731

First Year Premium

HKD 3,027

5,189

Bupa | 保柏

Bupa Hero VHIS Plan (Core Pro)

Ward

Global Ex-US

VHIS Flexi

15,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.7 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 6,038 /Year

6,117

First Year Premium

HKD 4,500

5,294

Manulife | 宏利

Manulife Supreme VHIS Flexi Plan (Smart)

Ward

Asia

VHIS Flexi

22,800 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

7 / 10

10-year Avg. Premium

HKD 5,739 /Year

First Year Premium

HKD 4,937

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Regular)

Ward

Greater China

VHIS Flexi

20,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 5,883 /Year

First Year Premium

HKD 5,060

Cigna Healthcare | 信諾環球

Cigna VHIS Series – Flexi Plan (Superior)

Ward

Asia

VHIS Flexi

15,000 Deductible

10Life Score

9.4

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6 / 10

10-year Avg. Premium

HKD 5,487 /Year

5,561

First Year Premium

HKD 4,189

4,928

Blue Cross | 藍十字保險

Blue Cross Love Yourself VHIS Plan

Ward

Asia

VHIS Flexi

20,000 Deductible

10Life Score

9.4

/ 10

Medical Coverage Score

9.7 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 4,963 /Year

First Year Premium

HKD 4,681

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Bronze

Ward

Greater China

VHIS Flexi

16,000 Deductible

10Life Score

9.3

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

4.7 / 10

10-year Avg. Premium

HKD 5,672 /Year

5,938

First Year Premium

HKD 2,658

5,316

AIA | 友邦香港

AIA Voluntary Health Insurance SelectWise Scheme

Ward

Asia

VHIS Flexi

18,000 Deductible

10Life Score

9.1

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

5.8 / 10

10-year Avg. Premium

HKD 5,542 /Year

First Year Premium

HKD 5,112

Hang Seng | 恒生

Vital Care Voluntary Health Insurance Flexi Plan Bronze

Ward

Greater China

VHIS Flexi

16,000 Deductible

10Life Score

9.1

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

4.7 / 10

10-year Avg. Premium

HKD 5,938 /Year

First Year Premium

HKD 5,316

Bowtie | 保泰人壽

Bowtie Pink VHIS Plan

Ward

Global Ex-US

VHIS Flexi

20,000 Deductible

10Life Score

9.0

/ 10

Medical Coverage Score

9.6 / 10

Special Feature Score

4.1 / 10

10-year Avg. Premium

HKD 4,563 /Year

4,834

First Year Premium

HKD 1,457

4,164

Bowtie | 保泰人壽

Bowtie Pink VHIS Plan + CUHKMC Wellness Package

Ward

Global Ex-US

VHIS Flexi

20,000 Deductible

10Life Score

9.0

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

4.7 / 10

10-year Avg. Premium

HKD 7,234 /Year

First Year Premium

HKD 6,564

Bowtie | 保泰人壽

Bowtie Pink VHIS Plan + GHK Wellness Package

Ward

Global Ex-US

VHIS Flexi

20,000 Deductible

10Life Score

9.0

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

4.7 / 10

10-year Avg. Premium

HKD 7,234 /Year

First Year Premium

HKD 6,564

Sun Life | Sun Life 永明

WeHealth Preferred

Ward

Greater China

VHIS Flexi

20,000 Deductible

10Life Score

9.0

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

4.5 / 10

10-year Avg. Premium

HKD 4,846 /Year

First Year Premium

HKD 4,169

Bupa | 保柏

Bupa Hero VHIS Plan (Core)

Ward

Asia

VHIS Flexi

15,000 Deductible

10Life Score

8.5

/ 10

Medical Coverage Score

8.6 / 10

Special Feature Score

6.9 / 10

10-year Avg. Premium

HKD 5,270 /Year

First Year Premium

HKD 4,573

FWD | 富衛

vBooster Medical Plan

Ward

Asia

VHIS Flexi

16,000 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score

9.7 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

5,731

HKD

5,471

First Year Premium

5,189

HKD 3,027

Bupa | 保柏

Bupa Hero VHIS Plan (Core Pro)

Ward

Global Ex-US

VHIS Flexi

15,000 Deductible

9.6

/ 10

10Life Score

Medical Coverage Score

9.7 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

6,117

HKD

6,038

First Year Premium

5,294

HKD 4,500

Manulife | 宏利

Manulife Supreme VHIS Flexi Plan (Smart)

Ward

Asia

VHIS Flexi

22,800 Deductible

9.5

/ 10

10Life Score

Medical Coverage Score
 9.8 / 10   
Special Feature Score
 7 / 10   
10-year Avg. Premium

                HKD
              
 5,739   
 

First Year Premium

HKD 4,937

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Regular)

Ward

Greater China

VHIS Flexi

20,000 Deductible

9.5

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD

5,883

First Year Premium

HKD 5,060

Cigna Healthcare | 信諾環球

Cigna VHIS Series – Flexi Plan (Superior)

Ward

Asia

VHIS Flexi

15,000 Deductible

9.4

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

6 / 10

10-year Avg. Premium

5,561

HKD

5,487

First Year Premium

4,928

HKD 4,189

Blue Cross | 藍十字保險

Blue Cross Love Yourself VHIS Plan

Ward

Asia

VHIS Flexi

20,000 Deductible

9.4

/ 10

10Life Score

Medical Coverage Score
 9.7 / 10   
Special Feature Score
 6.6 / 10   
10-year Avg. Premium

                HKD
              
 4,963   
 

First Year Premium

HKD 4,681

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Bronze

Ward

Greater China

VHIS Flexi

16,000 Deductible

9.3

/ 10

10Life Score

Medical Coverage Score

9.8 / 10

Special Feature Score

4.7 / 10

10-year Avg. Premium

5,938

HKD

5,672

First Year Premium

5,316

HKD 2,658

AIA | 友邦香港

AIA Voluntary Health Insurance SelectWise Scheme

Ward

Asia

VHIS Flexi

18,000 Deductible

9.1

/ 10

10Life Score

Medical Coverage Score
 9.5 / 10   
Special Feature Score
 5.8 / 10   
10-year Avg. Premium

                HKD
              
 5,542   
 

First Year Premium

HKD 5,112

Hang Seng | 恒生

Vital Care Voluntary Health Insurance Flexi Plan Bronze

Ward

Greater China

VHIS Flexi

16,000 Deductible

9.1

/ 10

10Life Score

Medical Coverage Score
 9.5 / 10   
Special Feature Score
 4.7 / 10   
10-year Avg. Premium

                HKD
              
 5,938   
 

First Year Premium

HKD 5,316

Bowtie | 保泰人壽

Bowtie Pink VHIS Plan

Ward

Global Ex-US

VHIS Flexi

20,000 Deductible

9.0

/ 10

10Life Score

Medical Coverage Score

9.6 / 10

Special Feature Score

4.1 / 10

10-year Avg. Premium

4,834

HKD

4,563

First Year Premium

4,164

HKD 1,457

Bowtie | 保泰人壽

Bowtie Pink VHIS Plan + CUHKMC Wellness Package

Ward

Global Ex-US

VHIS Flexi

20,000 Deductible

9.0

/ 10

10Life Score

Medical Coverage Score
 9.5 / 10   
Special Feature Score
 4.7 / 10   
10-year Avg. Premium

                HKD
              
 7,234   
 

First Year Premium

HKD 6,564

Bowtie | 保泰人壽

Bowtie Pink VHIS Plan + GHK Wellness Package

Ward

Global Ex-US

VHIS Flexi

20,000 Deductible

9.0

/ 10

10Life Score

Medical Coverage Score
 9.5 / 10   
Special Feature Score
 4.7 / 10   
10-year Avg. Premium

                HKD
              
 7,234   
 

First Year Premium

HKD 6,564

Sun Life | Sun Life 永明

WeHealth Preferred

Ward

Greater China

VHIS Flexi

20,000 Deductible

9.0

/ 10

10Life Score

Medical Coverage Score
 9.5 / 10   
Special Feature Score
 4.5 / 10   
10-year Avg. Premium

                HKD
              
 4,846   
 

First Year Premium

HKD 4,169

Bupa | 保柏

Bupa Hero VHIS Plan (Core)

Ward

Asia

VHIS Flexi

15,000 Deductible

8.5

/ 10

10Life Score

Medical Coverage Score
 8.6 / 10   
Special Feature Score
 6.9 / 10   
10-year Avg. Premium

                HKD
              
 5,270   
 

First Year Premium

HKD 4,573

FWD | 富衛

vBooster Medical Plan

Ward

Asia

VHIS Flexi

16,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.7 / 10

Special Feature Score

8.5 / 10

10-year Avg. Premium

HKD 5,471 /Year

5,731

First Year Premium

HKD 3,027

5,189

Bupa | 保柏

Bupa Hero VHIS Plan (Core Pro)

Ward

Global Ex-US

VHIS Flexi

15,000 Deductible

10Life Score

9.6

/ 10

Medical Coverage Score

9.7 / 10

Special Feature Score

8 / 10

10-year Avg. Premium

HKD 6,038 /Year

6,117

First Year Premium

HKD 4,500

5,294

Manulife | 宏利

Manulife Supreme VHIS Flexi Plan (Smart)

Ward

Asia

VHIS Flexi

22,800 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

7 / 10

10-year Avg. Premium

HKD 5,739 /Year

First Year Premium

HKD 4,937

AXA Hong Kong and Macau | AXA 安盛

AXA WiseGuard Pro Medical Insurance Plan (Regular)

Ward

Greater China

VHIS Flexi

20,000 Deductible

10Life Score

9.5

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 5,883 /Year

First Year Premium

HKD 5,060

Cigna Healthcare | 信諾環球

Cigna VHIS Series – Flexi Plan (Superior)

Ward

Asia

VHIS Flexi

15,000 Deductible

10Life Score

9.4

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

6 / 10

10-year Avg. Premium

HKD 5,487 /Year

5,561

First Year Premium

HKD 4,189

4,928

Blue Cross | 藍十字保險

Blue Cross Love Yourself VHIS Plan

Ward

Asia

VHIS Flexi

20,000 Deductible

10Life Score

9.4

/ 10

Medical Coverage Score

9.7 / 10

Special Feature Score

6.6 / 10

10-year Avg. Premium

HKD 4,963 /Year

First Year Premium

HKD 4,681

HSBC Life | 滙豐保險

HSBC Voluntary Health Insurance Flexi Plan Bronze

Ward

Greater China

VHIS Flexi

16,000 Deductible

10Life Score

9.3

/ 10

Medical Coverage Score

9.8 / 10

Special Feature Score

4.7 / 10

10-year Avg. Premium

HKD 5,672 /Year

5,938

First Year Premium

HKD 2,658

5,316

AIA | 友邦香港

AIA Voluntary Health Insurance SelectWise Scheme

Ward

Asia

VHIS Flexi

18,000 Deductible

10Life Score

9.1

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

5.8 / 10

10-year Avg. Premium

HKD 5,542 /Year

First Year Premium

HKD 5,112

Hang Seng | 恒生

Vital Care Voluntary Health Insurance Flexi Plan Bronze

Ward

Greater China

VHIS Flexi

16,000 Deductible

10Life Score

9.1

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

4.7 / 10

10-year Avg. Premium

HKD 5,938 /Year

First Year Premium

HKD 5,316

Bowtie | 保泰人壽

Bowtie Pink VHIS Plan

Ward

Global Ex-US

VHIS Flexi

20,000 Deductible

10Life Score

9.0

/ 10

Medical Coverage Score

9.6 / 10

Special Feature Score

4.1 / 10

10-year Avg. Premium

HKD 4,563 /Year

4,834

First Year Premium

HKD 1,457

4,164

Bowtie | 保泰人壽

Bowtie Pink VHIS Plan + CUHKMC Wellness Package

Ward

Global Ex-US

VHIS Flexi

20,000 Deductible

10Life Score

9.0

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

4.7 / 10

10-year Avg. Premium

HKD 7,234 /Year

First Year Premium

HKD 6,564

Bowtie | 保泰人壽

Bowtie Pink VHIS Plan + GHK Wellness Package

Ward

Global Ex-US

VHIS Flexi

20,000 Deductible

10Life Score

9.0

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

4.7 / 10

10-year Avg. Premium

HKD 7,234 /Year

First Year Premium

HKD 6,564

Sun Life | Sun Life 永明

WeHealth Preferred

【平買醫保】識得買醫療保險大房計劃都claim足到

Ward

Greater China

VHIS Flexi

20,000 Deductible

10Life Score

9.0

/ 10

Medical Coverage Score

9.5 / 10

Special Feature Score

4.5 / 10

10-year Avg. Premium

HKD 4,846 /Year

First Year Premium

HKD 4,169

Bupa | 保柏

Bupa Hero VHIS Plan (Core)

Ward

Asia

VHIS Flexi

15,000 Deductible

10Life Score

8.5

/ 10

Medical Coverage Score

8.6 / 10

Special Feature Score

6.9 / 10

10-year Avg. Premium

HKD 5,270 /Year

First Year Premium

HKD 4,573

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Annuity Quick Guide

What is Annuity?

Suitable for retirement

Provide a stream of steady income

Pay for living and medical expenses

Annuity is a type of long-term insurance policy that converts one's savings into a stream of steady monthly or annual income. The income may start immediately (immediate annuity) or at a later time (deferred annuity).

Compare Annuity Plans

Immediate VS Deferred Annuity

Target

Payment period

Income period

Immediate Annuity

Close to retirement

Lumpsum

Start immediately and continue for certain years or whole life

Deferred Annuity

Planning for retirement

Usually 5 or 10 years

Start at a later time usually at age 50-70 and continue for certain years

Annuity Glossary

Guaranteed Return

The minimum amount that an insurance company must pay.

Projected Return

The amount of return that an insurance company has the discretion to distribute depending on a number of factors such as investment performance, claims experience, operating expenses, etc. The actual return could be higher or lower than the projected amount.

tutorial_savings-or-annuity-dictionary-expected-return.png

Fulfilment Ratio

The Insurance Authority requires insurance companies to disclose the non-guaranteed return fulfilment ratio of participating insurance (including annuity) against the projected return in the proposal illustrations. If the fulfilment ratio is 100%, it means that the insurer has achieved its projected non-guaranteed return.

Who needs to buy Immediate / Deferred Annuity?

Pre-retirees

Can consider converting accumulated savings and MPF into an immediate annuity to provide a stream of steady income to support post-retirement expenses.

Retirement Planning

One should start saving for retirement as early as possible to accumulate a sufficient sum for post-retirement income