16 of 16 AI responses use provider evidence originally observed Nov 3, 2026, 1:42 AM to Nov 3, 2026, 1:44 AM UTC under the 24-hour free-scorecard reuse window. This report and its customer-owned assessment were assembled separately for this scan.
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- Perplexity我想在香港首次購買自願醫保，哪些保險公司的計劃值得放入比較名單？ in Hong Kong?
- Claude30歲香港上班族每年醫保預算約港幣6000元，想比較保費和住院保障，應先了解哪些公司？ in Hong Kong?
- Perplexity30歲香港上班族每年醫保預算約港幣6000元，想比較保費和住院保障，應先了解哪些公司？ in Hong Kong?
- Perplexity已有公司醫療保險，想在香港比較有自付費選項的自願醫保，有哪些公司值得考慮？ in Hong Kong?
- Perplexity想比較能網上投保、保費表和條款容易查閱的香港自願醫保，有哪些品牌值得了解？ in Hong Kong?
Perplexity · 我想在香港首次購買自願醫保，哪些保險公司的計劃值得放入比較名單？ in Hong Kong?
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Nov 3, 2026, 1:42 AM UTC
Search query: 我想在香港首次購買自願醫保，哪些保險公司的計劃值得放入比較名單？ in Hong Kong?
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- #1 自願醫保計劃Source context · vhis.gov.hk
- #2 Bupa Medical Insurance Plans | Bupa Hong KongSource context · bupa.com.hk
- #3 Compare Health / Medical Insurance - Hong KongSource context · axa.com.hk
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# Search Results: 我想在香港首次購買自願醫保，哪些保險公司的計劃值得放入比較名單？ in Hong Kong? Found 10 results. ### Result 1 自願醫保計劃 https://www.vhis.gov.hk/public/data/standard-plans.json { "certified-plans": [ { "plan-name": { "en": "VChoice Voluntary Health Insurance Plan", "zh-hk": "智適簡自願醫療保險計劃", "zh-cn": "智适简自愿医疗保险计划" }, "company-name": { "en": "Bolttech Insurance (Hong Kong) Company Limited", "zh-hk": "保特保險（香港）有限公司", "zh-cn": "保特保险（香港）有限公司" }, "plan-date": { "en": "23 June 2023", "zh-hk": "2023年6月23日", "zh-cn": "2023年6月23日" }, "earliest-plan-date": { "en": "1 April 2019", "zh-hk": "2019年4月1日", … "en": "", "zh-hk": "", "zh-cn": "" }, "renewal-only": "", "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "AIA Voluntary Health Insurance Standard Scheme", "zh-hk": "AIA自願醫保標準計劃", "zh-cn": "AIA自愿医保标准计划" }, "company-name": { "en": "AIA International Limited", "zh-hk": "友邦保險（國際）有限公司", "zh-cn": "友邦保险（国际）有限公司" }, … "en": "AXA WiseGuard Medical Insurance Plan", "zh-hk": "AXA安盛守慧醫療保障", "zh-cn": "AXA安盛守慧医疗保障" }, "company-name": { "en": "AXA China Region Insurance Company (Hong Kong) Limited", … "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "Chubb VHIS - Standard Plan", "zh-hk": "安達自願醫保（標準）計劃", "zh-cn": "安达自愿医保（标准）计划" … }, "has-historical-plan": "Y", "remarks": { "en": "# The insurance company offering this Certified Plan has ceased to maintain its registration as a VHIS Provider from 1 December 2023. Upon the effective date of de-registration, Chubb Life Insurance Hong Kong Limited (Registration No. 00044) has become the VHIS Provider and insurance company of this Certified Plan and its certification number starts with S00044. For the latest product and premium updates of this Certified Plan, please refer to Standard Plan S00044. ", "zh-hk": "#提供本認可產品的保險公司由2023年12月1日起終止註冊為自願醫保的產品提供者。由該撤銷註冊生效日起，安達人壽保險香港有限公司(註冊編號00044)將成為本認可產品的自願醫保的產品提供者及保險公司，其認可產品的編號開首為S00044。 就本認可產品最新的產品及保費詳情，請參閱標準計劃S00044。", "zh-cn": "#提供本认可产品的保险公司由2023年12月1日起终止注册为自愿医保的产品提供者。由该撤销注册生效日起，安达人寿保险香港有限公司(注册编号00044)将成为本认可产品的自愿医保的产品提供者及保险公司，其认可产品的编号开首为S00044。就本认可产品最新的产品及保费详情，请参阅标准计划S00044。" }, "renewal-only": "", "de-reg": "Y", "unavailable": "Y" }, { "plan-name": { "en": "Taiping Voluntary Health Insurance Scheme Standard Plan", "zh-hk": "太平自願醫療標準保險計劃", … "en": "Liberty Insurance Standard VHIS Plan", "zh-hk": "利寶國際自願醫保標準計劃", "zh-cn": "利宝国际自愿医保标准计划" }, "company-name": { "en": "Liberty International Insurance Limited", … ... "premium": { "en": "Standard Premium", "zh-hk": "標準保費", "zh-cn": "标准保费" }, "premium-doc-url": { ... }, "has-historical-plan": "Y", "remarks": { "en": "", "zh-hk": "", "zh-cn": "" }, "renewal-only": "", "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "WeHealth", "zh-hk": "永明港健康醫療保", "zh-cn": "永明港健康医疗保" }, "company-name": { "en": "Sun Life Hong Kong Limited", "zh-hk": "香港永明金融有限公司", "zh-cn": "香港永明金融有限公司" }, "plan-date": { "en": "1 April 2026", "zh-hk": "2026年4月1日", "zh-cn": "2026年4月1日" }, "earliest-plan-date": { … "en": "Dah Sing Insurance ADVANTAGE VHIS Standard Plan", "zh-hk": "大新保險「尚護康」自願醫保標準計劃", "zh-cn": "大新保险「尚护康」自愿医保标准计划" }, … "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "Bupa MyBasic VHIS Plan", "zh-hk": "保柏自願醫保計劃", "zh-cn": "保柏自愿医保计划" … "en": "Guard Your Health Medical Insurance Plan", "zh-hk": "衛您健康醫療保險計劃", "zh-cn": "卫您健康医疗保险计划" }, "company-name": { "en": "China Life Insurance (Overseas) Company Limited", "zh-hk": "中國人壽保險（海外）股份有限公司", "zh-cn": "中国人寿保险（海外）股份有限公司" }, "plan-date": { "en": "1 April 2021", "zh-hk": "2021年4月1日", … "zh-cn": "/doc/certifiedplan/sp/S00021/S00021-Hospital-Definition-c.pdf" }, "has-historical-plan": "Y", "remarks": { "en": "", "zh-hk": "", "zh-cn": "" }, "renewal-only": "", "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "BOC Life Standard VHIS", "zh-hk": "中銀人壽標準自願醫保", "zh-cn": "中银人寿标准自愿医保" }, "company-name": { "en": "BOC Group Life Assurance Company Limited", "zh-hk": "中銀集團人壽保險有限公司", "zh-cn": "中银集团人寿保险有限公司" }, "plan-date": { "en": "28 March 2021", … "en": "Bowtie VHIS Standard", "zh-hk": "保泰自願醫保 - 標準計劃", "zh-cn": "保泰自愿医保 - 标准计划" }, "company-name": { "en": "Bowtie Life Insurance Company Limited", … "en": "HealthSure Voluntary Health Insurance Plan", "zh-hk": "「智選守護」自願醫療保障計劃", "zh-cn": "「智选守护」自愿医疗保障计划" }, "company-name": { "en": "Zurich Insurance Company Ltd", ... "unavailable": "" }, { "plan-name": { "en": "TaxVantage Medical Plan", "zh-hk": "「稅」優惠醫療計劃", … "en": "PRUHealth CoreChoice Medical Plan", "zh-hk": "保誠自主醫保計劃", "zh-cn": "保诚自主医保计划" }, "company-name": { "en": "Prudential Hong Kong Limited", "zh-hk": "保誠保險有限公司", ... "en": "''WiseCare'' Medical Insurance Plan", "zh-hk": "「卓康保」醫療保障計劃", ... "company-name": { ... "de-reg": "", ... }, { "plan-name": { "en": "VHIS Standard Care", "zh-hk": "自願醫保計劃-適健保", "zh-cn": "自愿医保计划-适健保" ... { "plan-name": { "en": "Allianz Medical Protect", "zh-hk": "安聯醫療保障", ... "zh-hk": "#提供本認可產品的保險公司由2022年7月1日起終止註冊為自願醫保的產品提供者。由該撤銷註冊生效日起，本認可產品謹供其現有保單作續保之用，本網頁亦由當日起停止更新其產品及保費資料。就有關認可產品的最新詳情，請聯絡有關保險公司查詢。", ... }, "renewal-only": "", "de-reg": "Y", "unavailable": "Y" }, { "plan-name": { "en": "Cigna VHIS Series - Standard Plan", "zh-hk": "信諾自願醫保系列－標準計劃", "zh-cn": "信诺自愿医保系列－标准计划" }, "company-name": { "en": "CIGNA Worldwide General Insurance Company Limited", "zh-hk": "信諾環球保險有限公司", "zh-cn": "信诺环球保险有限公司" … "en": "CareForYou Standard Plan for VHIS", "zh-hk": "「只衛您」標準自願醫保計劃", "zh-cn": "「只卫您」标准自愿医保计划" }, "company-name": { "en": "Blue Cross (Asia-Pacific) Insurance Limited", "zh-hk": "藍十字（亞太）保險有限公司", "zh-cn": "蓝十字（亚太）保险有限公司" }, "plan-date": { "en": "1 January 2026", "zh-hk": "2026年1月1日", … "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "AXA WiseGuard Medical Insurance Plan", "zh-hk": "AXA安盛守慧醫療保障", "zh-cn": "AXA安盛守慧医疗保障" … "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "Manulife Shelter VHIS Standard Plan", "zh-hk": "宏利愛守護自願醫保標準計劃", "zh-cn": "宏利爱守护自愿医保标准计划" … "en": "BOC Standard Voluntary Health Insurance Scheme Certified Plan", "zh-hk": "中銀標準自願醫保計劃認可產品", "zh-cn": "中银标准自愿医保计划认可产品" }, "company-name": { "en": "Bank of China Group Insurance Company Limited", ... "en": "vCore Medical Plan", "zh-hk": "確衛您醫療計劃", "zh-cn": "确卫您医疗计划" }, "company-name": { "en": "FWD Life Insurance Company (Bermuda) Limited", ... "en": "Health Essential Medical Plan - Standard", "zh-hk": "「摯健樂」醫療計劃 – 基本", ... "en": "AXA GI WiseGuard Medical Insurance Plan", ... }, ... }, { "plan-name": { "en": "Taiping Life VHIS Standard Plan", "zh-hk": "太平人壽自願醫保標準計劃", … "en": "Well Protect Voluntary Health Insurance Scheme (Standard)", "zh-hk": "立安心自願醫保標準計劃", "zh-cn": "立安心自愿医保标准计划" }, "company-name": { "en": "Well Link Life Insurance Company Limited", … "en": "HSBC Voluntary Health Insurance Standard Plan", "zh-hk": "滙豐自願醫保標準計劃", "zh-cn": "汇丰自愿医保标准计划" }, "company-name": { "en": "HSBC Life (International) Limited", "zh-hk": "滙豐人壽保險（國際）有限公司", "zh-cn": "汇丰人寿保险（国际）有限公司" }, "plan-date": { "en": "29 March 2021", "zh-hk": "2021年3月29日", … "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "Avo Voluntary Health Insurance Scheme (Standard) Plan", "zh-hk": "Avo自願醫保（標準）計劃", "zh-cn": "Avo自愿医保（标准）计划" … "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "Chubb VHIS - Standard Plan", "zh-hk": "安達自願醫保（標準）計劃", "zh-cn": "安达自愿医保（标准）计划" }, "company-name": { "en": "Chubb Life Insurance Hong Kong Limited", "zh-hk": "安達人壽保險香港有限公司", ... "en": "ZA VHIS", "zh-hk": "ZA 自願醫保", "zh-cn": "ZA 自愿医保" ### Result 2 Bupa Medical Insurance Plans | Bupa Hong Kong https://www.bupa.com.hk/en/ Bupa Medical Insurance Plans | Voluntary Health Medical Insurance VHIS | Bupa Hong Kong ... ### Tips for first-time buyers There are so many types of insurance products in the market. Before purchasing, you must first understand what protection you really need, and clearly understand the terms and coverage of the plan. ... How to choose a VHIS plan? As there are many VHIS plans available, we should not merely compare the premiums but pay more attention to the details to select a VHIS plan with a higher price–performance ratio...##### Compare Product ... ## Product Comparison ... Medical + critical illness protection Starter plans with low premiums which provide the most basic protection Flexible plans with affordable premiums which cover most medical expenses ... Bupa MyBasic VHIS Apply online A VHIS standard plan with an annual benefit limit of HK$420,000, offering basic inpatient coverage Premiums as low as HK$161/Month View Bupa MyBasic VHIS Apply online A VHIS standard plan with an annual benefit limit of HK$420,000, offering basic inpatient coverage Premiums as low as HK$161/Month View ... Bupa MyFlexi VHIS Multiple plan options with flexibility to add Full Cover and SMM Benefits up to a total of HK$1.71 million annually ... Bupa Safe Critical Illness Apply online Covers up to 85 critical illnesses and provides up to 3 lump sum payments Subscriptions as low as HK$36/Month View ... Bupa VTop Apply online Top up or transfer your existing group medical coverage at different life stages Subscriptions as low as HK$87/Month View ... Bupa Hero VHIS Full cover up to HK$40 million per year with two areas of cover available: Asia, Australia and New Zealand or worldwide (excluding the United States) ... Bupa MyFlexi VHIS Apply online Multiple plan options with flexibility to add Full Cover and SMM Benefits up to a total of HK$1.71 million annually ### Result 3 Compare Health / Medical Insurance - Hong Kong https://www.axa.com.hk/en/health-insurance-advisor/medical AXA selected 3 medical insurance products with protection ranging from basic to comprehensive coverage: **AXA WiseGuard Medical Insurance Plan**, **Smart Medicare** and **AXA WiseGuard Pro Medical Insurance Plan.** Each product provides comprehensive medical coverage including in-patient surgery, day case procedure, and hospitalisation expenses. The products offer guaranteed renewal up to age 100 regardless of your health conditions or claims history. | |VHIS CERTIFIED PLAN ##### AXA WiseGuard Medical Insurance Plan ######|VHIS CERTIFIED PLAN ##### Smart Medicare ######|VHIS CERTIFIED PLAN ##### AXA WiseGuard Pro Medical Insurance Plan - **Enjoy up to 7 months’ premium refund*** ######| ... | |SELECT BUY NOW|SELECT BUY NOW|SELECT BUY NOW| ... | |- No lifetime benefit limit - Annual benefit limit up to **HKD420,000** - Coverage up to respective benefit sub-limits per policy year - Compassionate death benefit **HKD10,000** - Coverage for pre/post-confinement and day case procedure outpatient care|- No lifetime benefit limit - No annual benefit limit - Coverage up to respective benefit sub-limits per policy year - Compassionate death benefit **HKD15,000** - Coverage for pre/post-confinement and day case procedure outpatient care|- No lifetime benefit limit - Annual benefit limit up to **HKD25,000,000 ** - Full cover for most of the eligible expenses for hospitalisation and surgical benefits (subject to annual benefit limit, deductible option and other conditions) - Compassionate death benefit **HKD10,000** - Full cover for pre/post-confinement and day case procedure outpatient care (subject to annual benefit limit, deductible option and other conditions)| ... | |**Unique product features**- Eligible for tax deduction|**Unique product features**- Eligible for tax deduction - Worldwide emergency assistance - No claim discount|**Unique product features**- Eligible for tax deduction - Full cover for prescribed non-surgical cancer treatments and outpatient kidney dialysis (subject to annual benefit limit, deductible option and other conditions) - No waiting period for unknown pre-existing conditions - No claim discount - Additional services i.e. worldwide emergency assistance and free second medical option etc. are included| ... The above medical insurance products are underwritten by AXA China Region Insurance Company (Hong Kong) Limited / AXA China Region Insurance Company Limited (collectively, the “Company”). ### Result 4 Voluntary Health Insurance Scheme - VHIS https://www.vhis.gov.hk/en/consumer_corner/plan-search.html In any event, the search results generated from any search conducted on this search webpage do not imply any recommendation by the Health Bureau of any particular insurance plan (including any of its product features) or insurance company to any person, and should not be construed as an invitation or inducement to anyone to subscribe any particular insurance plan issued by any particular insurance company. The search results show the annual standard premiums applicable to new applications of Certified Plans for easy comparison by consumers. ... VHIS Provider - Please select - {{item['company-name'][lang]}} ... Shows the annual standard premiums of Certified Plans for new application. ... ## Consumer Corner ### Search Certified Plans This search webpage is intended to serve as general reference for new application of Certified Plans, with a few steps: Step ➀: Specify search criteria Step ➁: Read and accept the important notes, then click Search to search Certified Plans. ... Information contained in this search webpage is prepared based on the information provided by the relevant insurance companies. It is intended to serve as general reference to facilitate comparison of product features, and cannot replace or substitute for the full policy terms and benefits of the relevant insurance plans. Consumers are advised to consider their insurance needs and budget, review carefully the terms and benefits of insurance plans, understand their rights and obligations, and compare different product features before choosing an insurance plan. ... consumers should make appropriate enquiries with and seek clarification from the insurance companies or their insurance agents, or the consumers’ own insurance brokers. ### Result 5 Medical Insurance Plan | Medical Protection | AXA Hong Kong https://www.axa.com.hk/en/medical-protection With AXA’s Medical Insurance, not only can you **reimburse these charges**, but also other medical bills such as **surgery**,**treatment** and **hospitalization**. This enables you to be prepared when faced with unexpected medical expenses. AXA VHIS series provides you comprehensive and flexible medical protection with coverage for unknown pre-existing conditions. Eligible plans under VHIS also allow policy holders to enjoy tax deductions for premiums. ... #### AXA VHIS Series VHIS Certified Plan Tax Deduction Series Under the Voluntary Health Insurance Scheme (“VHIS”), AXA brings you “AXA WiseGuard Pro Medical Insurance Plan”, “AXA WiseGuard Medical Insurance Plan” and “Smart Medicare”, providing you comprehensive and flexible protection. - Guaranteed renewal up to age 100 - No waiting period - Coverage for local psychiatric treatment ... ##### GBA EverGuard Medical Insurance Access a wider range of premium healthcare resources at cost-effective premiums, with comprehensive support from diagnosis and treatment through to rehabilitation throughout your medical journey. - Full cover^1^ of designated medical expenses, with no sub-limits - Upgradable to a standard private room^2^ - Coverage for both Western and Chinese medicine treatments and rehabilitation - AXA Health Concierge^3,4^ – dedicated support throughout your medical journey ##### GlobalReach Medical Insurance Plan **GlobalReach Medical Insurance Plan** offers extraordinary medical protection with unparalleled flexibility in benefit levels, geographical coverage and deductible options of your choice, without requiring health declaration, to make your health protection within reach. - 3 geographical areas of cover, 4 benefit levels and 4 deductible options - No health declaration and guaranteed renewal - Cover hospitalisation and surgical expenses without lifetime benefit limit - Specialised extended care for Cancer and Stroke ##### CareForAll Hospital Cash Plan With relaxed underwriting requirements for improved coverage access, **CareForAll Hospital Cash Plan** is designed to alleviate your financial concerns and provide peace of mind during hospitalisation. - **Hospital Income Benefit** of HKD1,000 per day - Required only to answer **3 simple health underwriting questions** - **Cover pre-existing conditions** from the 3^rd^ policy year onwards ... Pink Medical Insurance Plan - a holistic solution that brings women’s needs into focus, providing multidimensional female protection from young adulthood to menopause. ... ##### Smart Start Medical Insurance Smart Start Medical Insurance reimburses the actual medical expenses up to age 100, including inpatient benefits such as room and board, surgery, hospital expenses and out-patient surgery etc. - Reimbursement for medical expenses - Guaranteed renewability - No claim discount ##### MediPartner Health Plan MediPartner Health Plan provides you with one-stop medical care ranging from hospitalisation and surgical benefits, pre- and post-hospitalisation benefits to additional caring benefits. - Full cover and cashless arrangement for hospitalization and/or surgical treatment at MedPlus Service Provider - Flexibility to receive treatment at any medical specialists or hospitals in Hong Kong and Asia subject to co-insurance - Choices of 3 deductible options ... Cancer Therapy Insurance II and Cancer And Stroke Therapy Insurance offer comprehensive reimbursement for eligible medical expenses related to treatment of cancer and stroke. - Substantial protection against cancer and stroke - Fully covers a wide range of eligible medical costs incurred at different stages, from diagnosis to treatment and monitoring ... ##### Porta Protection As an existing member of an AXA group medical insurance scheme, you, your dependants and immediate family can continue to enjoy peace of mind from a comprehensive medical protection that PortaProtection (“the Plan”) can provide. - No underwriting is required and guaranteed acceptance - Coverage for pre-existing conditions - Lifelong protection and guaranteed renewal ### Result 6 VHIS Standard Plan | Voluntary Health Insurance Scheme - HSBC HK https://www.hsbc.com.hk/insurance/products/medical-and-critical-illness/vhis/standard/ VHIS Standard Plan | Voluntary Health Insurance Scheme - HSBC HK # HSBC VHIS Standard Plan An essential standard voluntary health insurance plan offering annual benefits of up to HKD420,000 to cover your basic healthcare needs and tax savings 1. Medical & Critical Illness Insurance 2. Voluntary Health Insurance Scheme (VHIS) ## Rest assured with medical protection Safeguard yourself with guaranteed policy renewals and no limits on lifetime benefits, and a claim approval rate of up to 98.6%^1^ on our VHIS plans, all while enjoying tax deductions^2^. ## Key benefits ### No limits on lifetime benefits Claim up to HKD420,000 per policy year with no limits on your lifetime coverage ### Wide-ranging care and coverage Get covered for pre and post-confinement care, day case procedure outpatient care and local psychiatric treatment ### Cover for previously unknown conditions Get partial coverage for unknown pre-existing conditions^3^ starting from the second policy year, and full coverage from your fourth year onwards ### Enjoy tax relief Get annual tax deductions^2^ of up to HKD8,000 on qualifying premiums for each insured person ## Extra features - Enjoy Medical Concierge Service^4^ Get assistance from our Medical Concierge Consultant on making medical appointments and handling insurance-related documentation. ## How to apply ### Eligibility To apply for our VHIS Standard Plan, you'll need to meet these requirements: - the policyholder is aged^5^ between 18 and 80 years - the insured person is aged^5^ between 15 days and 80 years The HSBC VHIS Standard Plan is a life insurance plan underwritten by HSBC Life (International) Limited ("HSBC Life"). It is not equivalent or similar to bank deposit. Policyholders are subject to HSBC Life's credit risk. ... ## Find out more ### Policy provisions and certification numbers Registered VHIS provider: HSBC Life (International) Limited Type of certified plan: Standard Plan Name of certified plan: HSBC Voluntary Health Insurance Standard Plan Certification Number (for applications on or after 29 Mar 2021): S00042-01-000-02 ... ### Can you summarise the plan for me? |--|--| |Issue age^5^|15 days to age 80| |Policy term|Guaranteed renewable annually up to age^5 ^100 of insured person| |Annual benefit limit per policy year (HKD)|420,000| |Lifetime benefit limit (HKD)|Nil| |Geographical limitation|Worldwide^6^| ... ### What's the difference between the three HSBC Voluntary Health Insurance Scheme (VHIS) plans? Here's an overview of the 3 types of VHIS plans we offer. ## You may also be interested in ### HSBC VHIS Flexi Plan A voluntary health insurance plan offering full coverage^7 ^on medical expenses, annual benefits of HKD5 million or more, and tax savings—available online ... ### HSBC VHIS One Plan A voluntary health insurance plan that covers your essential medical needs from the first-dollar^9^, with optional Supplementary Major Medical coverage. ... ## Disclaimer This product is a product of HSBC Life but not HSBC and it is intended only for sale in the Hong Kong SAR. ### Result 7 Voluntary Health Insurance Scheme (VHIS) https://www.hsbc.com.hk/insurance/products/medical-and-critical-illness/vhis/ Voluntary Health Insurance Scheme (VHIS) - HSBC HK # Voluntary health insurance Our certified plans under the Voluntary Health Insurance Scheme offer comprehensive medical coverage, access to private healthcare and tax relief 1. Medical & Critical Illness Insurance 2. Voluntary Health Insurance Scheme (VHIS) ... Enjoy medical coverage and tax relief^1^ through our Flexi, One and Standard plans as a registered provider of Voluntary Health Insurance Scheme (VHIS). With a claim approval rate^2^ of up to 98.6%, rest assured that you'll receive all the support you need, when you need it. ... ### HSBC VHIS Flexi Plan A voluntary health insurance plan offering full coverage^7^ on medical expenses, annual benefits of HKD5 million or more, and tax savings—available online. **Enjoy up to 60% off your first-year premium** - Full coverage of HKD5 million or more - Choose your annual deductible - Cover previously unknown conditions - No upfront out-of-pocket costs ### HSBC VHIS One Plan A voluntary health insurance plan that covers your essential medical needs from the first-dollar^8^, with optional Supplementary Major Medical coverage, available online. **Enjoy up to 60% off your first-year premium** - First-dollar medical protection - Extensive medical cover - No limit on ward class or location ### HSBC VHIS Standard Plan An essential standard voluntary health insurance plan offering annual benefits of up to HKD420,000 to cover your basic healthcare needs and tax savings - No limits on lifetime benefits - Wide-ranging care and coverage - Cover previously unknown conditions - Enjoy tax relief See a detailed comparison between our VHIS plans. ... ### Apply online Applying for a VHIS Flexi Plan is easy. Get a quote to get started online right away. ... Name of VHIS Provider: HSBC Life (International) Limited VHIS Provider Registration Number: 00042 ... Your application for an HSBC VHIS policy is subject to underwriting. ### Result 8 FWD Medical Insurance Plans https://www.fwd.com.hk/online-insurance/medical-insurance-plans/en/ FWD offers a wide range of medical insurance plans, from basic medical coverage and hospitalisation benefits to Voluntary Health Insurance Scheme (VHIS) plans, providing one-stop protection to cater to different life stages and budgets. With flexible plan options and comprehensive coverage combinations, you can tailor your protection to meet your family's needs, whether for everyday outpatient care, hospitalisation and surgery, or high medical expenses. ... FWD offers a variety of medical insurance options. Easily compare different plans on our online platform: review the plan features, coverage details and premiums all in one place! ... MyMillion First choice for family protection vFamily No.1 in the market vPrime Economical choice One&All Outpatient insurance GBAssure Refundable Hospital Income Healthy Plus | | | | | |--|--|--|--| |**Plan**|MyMillion Medical Plan|vFamily Medical Plan|vPrime Medical Plan| | |Good value for money|First choice for family protection|No.1 in the market^+^| |**Features**|Annual limit up to HK$4,000,000 Standard ward room Full cover^1^ for a series of hospitalisation and surgical expenses, prescribed non-surgical cancer treatments^4^, etc. 3 annual Deductible^12^ options; Deductible waived for designated crises^6,12,17^|Worldwide^23^ full coverage^1^ for a wide range of hospitalisation and surgical expenses Up to HK$550,000 per Disability per Policy Year^24^ Standard ward room Full cover^1^ for a series of hospitalisation and surgical expenses, Prescribed Non-surgical Cancer Treatments^4^, psychiatric treatments^13^, etc.|Annual Benefit Limit up to HK$16,500,000 Standard semi-private room Full cover^1^ for a series of hospitalisation and surgical expenses, prescribed non-surgical cancer treatments^4^, psychiatric treatments^13^, etc. 6 Deductible^12^ options; deductible waived for designated crises^6,17^| |Get instant quote Enter your age and gender to get quote|Deductible (Per Policy Year) 10,000 30,000 60,000|Deductible not applicable|Deductible (Per Policy Year) 0 16,000 25,000 50,000 100,000 250,000| ... |Eligible Ward Class^5^|Standard ward room|Standard ward room^11^|Standard semi-private room^11^| |--|--|--|--| |Types of VHIS Certified Plan|Not applicable|Flexi Plan|Flexi Plan| ... vPrime Medical Plan Annual Benefit Limit up to HK$16,500,000 Standard semi-private room Full cover^1^ for a series of hospitalisation and surgical expenses, prescribed non-surgical cancer treatments^4^, psychiatric treatments^13^, etc. ... vCare Medical Plan Annual Benefit Limit up to HK$520,000 ... FWD includes tailored medical insurance plans that meet various needs: - Medical protection o One&All Medical Insurance Plan: An entry-level plan offering basic hospitalisation and medical coverage. o MyMillion Medical Plan: Provides full reimbursement for hospitalisation and surgical expenses, including Standard Ward Room coverage in Asia to offer more affordable premiums. - Voluntary Health Insurance Scheme (VHIS) Plans o vPrime Medical Plan: Suitable for customers who prefer a higher standard of hospital accommodation and medical coverage. o vFamily Medical Plan: Designed for frequent travelers, cross-border living, and family protection. - Hospital Cash Coverage ... - Outpatient Coverage ### Result 9 https://www.vhis.gov.hk/public/data/standard-plans.csv https://www.vhis.gov.hk/public/data/standard-plans.csv plan-name-en,plan-name-zh-hk,plan-name-zh-cn,company-name-en,company-name-zh-hk,company-name-zh-cn,plan-date-en,plan-date-zh-hk,plan-date-zh-cn,plan-info-certified-certification-no,plan-info-certified-plan-level-en,plan-info-certified-plan-level-zh-hk,plan-info-certified-plan-level-zh-cn,plan-info-certified-plan-doc-url-en,plan-info-certified-plan-doc-url-zh-hk,plan-info-certified-plan-doc-url-zh-cn,plan-info-certified-premium-en,plan-info-certified-premium-zh-hk,plan-info-certified-premium-zh-cn,plan-info- certified-premium-doc-url-en,plan-info-certified-premium-doc-url-zh-hk,plan-info-certified-premium-doc-url-zh-cn,remarks-en,remarks-zh-hk,remarks-zh-cn "VChoice Voluntary Health Insurance Plan","智適簡自願醫療保險計劃","智适简自愿医疗保险计划","Bolttech Insurance (Hong Kong) Company Limited","保特保險（香港）有限公司","保特保险（香港）有限公司","23 June 2023","2023年6月23日","2023年6月23日","S00012-01-000-03","Standard Plan","標準計劃","标准计划","/doc/certifiedplan/sp/S00012/S00012-01-000-03-PlanDoc-e.pdf","/doc/certifiedplan/sp/S00012/S00012-01-000-03-PlanDoc-c.pd f","/doc/certifiedplan/sp/S00012/S00012-01-000-03-PlanDoc-c.pdf","Standard Premium","標準保費","标准保费","/doc/certifiedplan/sp/S00012/S00012-01-000-03-StandardPremium-e.pdf","/doc/certifiedplan/sp/S00012/S00012-01-000-03-StandardPremium-c.pdf","/doc/certifiedplan/sp/S00012/S00012-01-000-03-StandardPremium-c.pdf",,,"" "AIA Voluntary Health Insurance Standard Scheme","AIA自願醫保標準計劃","AIA自愿医保标准计划","AIA International Limited","友邦保險（國際）有限公司","友邦保险（国际）有限公司","15 July 2026","2026年7月15日","2026年7月15日","S00013-01-000-02","Sta … certifiedplan/sp/S00015/S00015-01-000-02-PlanDoc-c.pdf","Standard Premium","標準保費","标准保费","/doc/certifiedplan/sp/S00015/S00015-01-000-02-StandardPremium-Bilingual.pdf","/doc/certifiedplan/sp/S00015/S00015-01-000-02-StandardPremium-Bilingual.pdf","/doc/certifiedplan/sp/S00015/S00015-01-000-02-StandardPremium-Bilingual.pdf","# The insurance company offering this Certified Plan has ceased to maintain its registration as a VHIS Provider from 1 December 2023. Upon the effective date of de-registration, Chubb Life Insurance Hong Kong Limited (Registration No. 00044) has become the VHIS Provider and insurance company of this Certified Plan and its certification number starts with S00044. For the latest product and premium updates of this Certified Plan, please refer to Standard Plan S00044. ","#提供本認可產品的保險公司由2023年12月1日起終止註冊為自願醫保的產品提供者。由該撤銷註冊生效日起，安達人壽保險香港有限公司(註冊編號00044)將成為本認可產品的自願醫保的產品提供者及保險公司，其認可產品的編號開首為S00044。就本認可產品最新的產品及保費詳情，請參閱標準計劃S00044。","#提供本认可产品的保险公司由2023年12月1日起终止注册为自愿医保的产品提供者。由该撤销注册生效日起，安达人寿保险香港有限公司(注册编号00044 )将成为本认可产品的自愿医保的产品提供者及保险公司，其认可产品的编号开首为S00044。就本认可产品最新的产品及保费详情，请参阅标准计划S00044。" "Taiping Voluntary Health Insurance Scheme Standard Plan","太平自願醫療標準保險計劃","太平自愿医疗标准保险计划","China Taiping Insurance (HK) Company Limited","中國太平保險（香港）有限公司","中国太平保险（香港）有限公司","1 April 2021","2021年4月1日","2021年4月1日","S00016-01-000-02","Standard Plan","標準計劃","标准计划","/doc/certifiedplan/sp/S00016/S00016-01-000-02-PlanDoc-e.pdf","/doc/certifiedplan/sp/S00016/S00016-01-000-02-PlanDoc-c.pdf","/doc/certifiedplan/sp/S00016/S00016-01-000-02-PlanDoc … an/sp/S00018/S00018-01-000-02-StandardPremium-Bilingual.pdf",,,"" "Dah Sing Insurance ADVANTAGE VHIS Standard Plan","大新保險「尚護康」自願醫保標準計劃","大新保险「尚护康」自愿医保标准计划","Dah Sing Insurance Company Limited","大新保險有限公司","大新保险有限公司","5 November 2024","2024年11月5日","2024年11月5日","S00019-01-000-03","Standard Plan","標準計劃","标准计划","/doc/certifiedplan/sp/S00019/S00019-01-000-03-PlanDoc-e.pdf","/doc/certifiedplan/sp/S00019/S00019-01-000-03-PlanDoc-c.pdf","/doc/certifiedplan/sp/S00019/S00019-01-000-03-PlanDoc-c.pdf","Standard Premium" … 23-01-000-03-PlanDoc-c.pdf","/doc/certifiedplan/sp/S00023/S00023-01-000-03-PlanDoc-c.pdf","Standard Premium","標準保費","标准保费","/doc/certifiedplan/sp/S00023/S00023-01-000-03-StandardPremium-Bilingual.pdf","/doc/certifiedplan/sp/S00023/S00023-01-000-03-StandardPremium-Bilingual.pdf","/doc/certifiedplan/sp/S00023/S00023-01-000-03-StandardPremium-Bilingual.pdf",,,"" "HealthSure Voluntary Health Insurance Plan","「智選守護」自願醫療保障計劃","「智选守护」自愿医疗保障计划","Zurich Insurance Company Ltd","蘇黎世保險有限公司","苏黎世保险有限公司","19 March 2021", … xVantage Medical Plan","「稅」優惠醫療計劃","「税」优惠医疗计划","YF Life Insurance International Limited","萬通保險國際有限公司","万通保险国际有限公司","1 January 2026","2026年1月1日","2026年1月1日","S00025-01-000-02","Standard Plan","標準計劃","标准计划","/doc/certifiedplan/sp/S00025/S00025-01-000-02-PlanDoc-e.pdf","/doc/certifiedplan/sp/S00025/S00025-01-000-02-PlanDoc-c.pdf","/doc/certifiedplan/sp/S00025/S00025-01-000-02-PlanDoc-c.pdf","Standard Premium","標準保費","标准保费","/doc/certifiedplan/sp/S00025/S00025-01-000-02-StandardPremium-Bilingual.pdf","/doc/cert ifiedplan/sp/S00025/S00025-01-000-02-StandardPremium-Bilingual.pdf","/doc/certifiedplan/sp/S00025/S00025-01-000-02-StandardPremium-Bilingual.pdf",,,"" "PRUHealth CoreChoice Medical Plan","保誠自主醫保計劃","保诚自主医保计划","Prudential Hong Kong Limited","保誠保險有限公司","保诚保险有限公司","1 October 2026","2026年10月1日","2026年10月1日","S00026-01-000-02","Standard Plan","標準計劃","标准计划","/doc/certifiedplan/sp/S00026/S00026-01-000-02-PlanDoc-e.pdf","/doc/certifiedplan/sp/S00026/S00026-01-000-02-PlanDoc-c.pdf","/doc/certifiedplan/sp/S00026/S000 26-01-000-02-PlanDoc-c.pdf","Standard Premium","標準保費","标准保费","/doc/certifiedplan/sp/S00026/S00026-01-000-02-StandardPremium-Bilingual.pdf","/doc/certifiedplan/sp/S00026/S00026-01-000-02-StandardPremium-Bilingual.pdf","/doc/certifiedplan/sp/S00026/S00026-01-000-02-StandardPremium-Bilingual.pdf",,,"" "Asia Unique - Family Care","延愛","延爱","Asia Insurance Company, Limited","亞洲保險有限公司","亚洲保险有限公司","1 April 2021","2021年4月1日","2021年4月1日","S00027-01-000-02","Standard Plan","標準計劃","标准计划","/doc/certifiedplan/sp/S00027/ … l.pdf","/doc/certifiedplan/sp/S00028/S00028-01-000-03-StandardPremium-Bilingual.pdf","","","" "VHIS Standard Care","自願醫保計劃-適健保","自愿医保计划-适健保","MSIG Insurance (Hong Kong) Limited","三井住友海上火災保險（香港）有限公司","三井住友海上火灾保险（香港）有限公司","1 April 2021","2021年4月1日","2021年4月1日","S00029-01-000-02","Standard Plan","標準計劃","标准计划","/doc/certifiedplan/sp/S00029/S00029-01-000-02-PlanDoc-e.pdf","/doc/certifiedplan/sp/S00029/S00029-01-000-02-PlanDoc-c.pdf","/doc/certifiedplan/sp/S00029/S00029-01-000-02-PlanDoc-c.pdf","Standard Premium" … ider from 1 July 2022. Upon the effective date of de-registration, only renewals are available for existing policies of this Certified Plan. Also, there will not be further updates of relevant product and premium on this webpage thereafter. Please contact the insurance company for the latest updates of the Certified Plan.","#提供本認可產品的保險公司由2022年7月1日起終止註冊為自願醫保的產品提供者。由該撤銷註冊生效日起，本認可產品謹供其現有保單作續保之用，本網頁亦由當日起停止更新其產品及保費資料。就有關認可產品的最新詳情，請聯絡有關保險公司查詢。","#提供本认可产品的保险公司由2022年7月1日起终止注册为自愿医保的产品提供者。由该撤销注册生效日起，本认可产品谨供其现有保单作续 … rtifiedplan/sp/S00031/S00031-01-000-02-StandardPremium-Bilingual.pdf","/doc/certifiedplan/sp/S00031/S00031-01-000-02-StandardPremium-Bilingual.pdf","/doc/certifiedplan/sp/S00031/S00031-01-000-02-StandardPremium-Bilingual.pdf",,,"" "CareForYou Standard Plan for VHIS","「只衛您」標準自願醫保計劃","「只卫您」标准自愿医保计划","Blue Cross (Asia-Pacific) Insurance Limited","藍十字（亞太）保險有限公司","蓝十字（亚太）保险有限公司","1 January 2026","2026年1月1日","2026年1月1日","S00032-01-000-02","Standard Plan","標準計劃","标准计划","/doc/certifiedplan/sp/S00032/S00032-01-000-0 … 33/S00033-01-000-02-StandardPremium-c.pdf",,,"" "Manulife Shelter VHIS Standard Plan","宏利愛守護自願醫保標準計劃","宏利爱守护自愿医保标准计划","Manulife (International) Limited","宏利人壽保險（國際）有限公司","宏利人寿保险（国际）有限公司","29 June 2026","2026年6月29日","2026年6月29日","S00034-01-000-03","Standard Plan","標準計劃","标准计划","/doc/certifiedplan/sp/S00034/S00034-01-000-03-PlanDoc-e.pdf","/doc/certifiedplan/sp/S00034/S00034-01-000-03-PlanDoc-c.pdf","/doc/certifiedplan/sp/S00034/S00034-01-000-03-PlanDoc-c.pdf","Standard Premium","標準保費","标准保费","/doc/certifiedp … /certifiedplan/sp/S00036/S00036-01-000-03-StandardPremium-Bilingual.pdf",,,"" "Health Essential Medical Plan - Standard","「摯健樂」醫療計劃 – 基本","「挚健乐」医疗计划 – 基本","Hong Kong Life Insurance Limited","香港人壽保險有限公司","香港人寿保险有限公司","29 September 2025","2025年9月29日","2025年9月29日","S00037-01-000-02","Standard Plan","標準計劃","标准计划","/doc/certifiedplan/sp/S00037/S00037-01-000-02-PlanDoc-e.pdf","/doc/certifiedplan/sp/S00037/S00037-01-000-02-PlanDoc-c.pdf","/doc/certifiedplan/sp/S00037/S00037-01-000-02-PlanDoc-c.pdf","Standard Premi … -PlanDoc-c.pdf","Standard Premium","標準保費","标准保费","/doc/certifiedplan/sp/S00040/S00040-01-000-02-StandardPremium-Bilingual.pdf","/doc/certifiedplan/sp/S00040/S00040-01-000-02-StandardPremium-Bilingual.pdf","/doc/certifiedplan/sp/S00040/S00040-01-000-02-StandardPremium-Bilingual.pdf",,,"" "HSBC Voluntary Health Insurance Standard Plan","滙豐自願醫保標準計劃","汇丰自愿医保标准计划","HSBC Life (International) Limited","滙豐人壽保險（國際）有限公司","汇丰人寿保险（国际）有限公司","29 March 2021","2021年3月29日","2021年3月29日","S00042-01-000-02","Standard Plan","標準 … ### Result 10 永明港称心医疗保 https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/WeHealth_Plus_SC.pdf （于百慕达注册成立之有限责任公司） 人寿保险 | 医疗保障 永明港称心医疗� WeHealth Plus 自愿医保认可产品灵活计划 永明港称心医疗保 未雨綢繆 享受全面保障 延续健康生活 健康体魄和安稳生活是人生最大的财富。您需要一个全面的医疗保障，配合快速理赔的财务支持，守护您身心， 让您安枕无忧。假如公营医院未能满足您的需求，您亦有选择私营医疗服务的灵活性。 Sun Life永明是您人生旅途上的可靠伙伴，助您实现人生梦想。作为香港特别行政区政府医务卫生局的认可自愿 医保计划（“自愿医保”）产品提供者（自愿医保产品提供者注册编号：00018），我们诚意推出自愿医保认可产品的 灵活计划 ― 永明港称心医疗保。计划专为香港居民1而设，提供全方位的终身医疗保障，让您生活更加称心。 注： 1 包括香港身份证持有人和身份为香港居民的11岁以下儿童。 1 简介 参考个案 保障表 主要特点 更多称心保障 重要资料 主要产品资料 关于 Sun Life永明 永明港称心医疗保 永明港称心医疗保能如何帮助您？ 永明港称心医疗保是一个能让您和您的家人（15天到80岁）拥抱更健康生活和提供财务保障的个人偿款住院 保险计划。计划不设选择医疗服务提供者的限制，更提供两个灵活选项 ― 永明港称心医疗保计划1（“计划1”， 自愿医保认可产品编号：F00026-01-000-03）和永明港称心医疗保计划2（“计划2”，自愿医保认可产品编号： F00026-01-001-03），让您因应财务预算调整保障级别。 此外，您为自己和每位受养人2投保此计划所缴付的合资格保费均可申请税务扣除，而每位受保人在每个财政年度 的最高扣税额为港元8,0003。申请扣税的受养人数目不限，但纳税人须为保单持有人。这个计划既可保障您和 挚爱，又可得到扣税优惠，可谓一举两得。 税务扣除的例子 A先生（纳税人）为自己和家人共购买四份计划2的保单。 受保人 每年缴付 合资格保费 可获税务扣除的款额3 （上限为每名受保人港元8,000） 纳税人（57 岁） ... 2 简介 参考个案 保障表 主要特点 更多称心保障 重要资料 主要产品资料 关于 Sun Life永明 永明港称心医疗保 永明港称心医疗保提供全方位的医疗保障，不但设有更高的赔偿限额，计划亦不设终身保障限额4，让您可以 终身得到无忧保障。计划更会为您的住院、手术、日间手术和精神科治疗等项目，提供称心保障。 我们明白每个人需要的保障级别可能有所不同，除了计划1所提供的全面医疗保障，计划2更提高保障，无论日后 人生遇到任何风浪，计划都能一直守护您。 计划1与计划2的主要保障分别： 计划 1 计划 2 每年保障限额 每保单年度港元500,000 每保单年度港元800,000 病房和膳食5 每保单年度最多180日 - 普通病房 每天港元1,000 不设每天赔偿限额 - 半私家房或以上 每天港元1,100 每天港元1,100 额外医疗保障6 无 每保单年度港元300,000 设20%共同保险 主要特点 注： 4 永明港称心医疗保的总保障额受制于每年保障限额，详情请参阅认可产品的保单样本。 5 病房级别定义如下： (a) 普通病房指在医院内设有多于两张病床的房间或由相关医院厘定为同类级别的房间。 (b) 半私家房指在医院内设有一张或两张病床，以及连共用浴室的房间，或由相关醫院厘定为同类级别的房间。 (c) 标准私家房指在医院内连私人浴室的标准单人房间，或由相关医院厘定为同类级别的房间。为免存疑，标准私家房并不包括在 医院内比起连私人浴室的标准单人房间有较多设施或设备的任何房间。 就同一日住院而言，如果受保人入住的病房同时符合以上两项不同病房级别的定义，将会采用对保单持有人较有利的病房级别。 6 额外医疗保障所保障的项目包括本保单的病房和膳食、杂项开支、主诊医生巡房费、专科医生费、深切治疗、外科医生费、麻醉科 医生费、手术室费、订明诊断成像检测和精神科治疗。无论任何情况，如果受保人在住院期间自愿入住高于普通病房级别的病房， 因病房级别升级的调整因子将适用。如果出现下列病房级别升级的情况：（a）在急症治疗的的情况下因房间短缺而无法入住指定病房级别； （b）因需在指定病房级别进行隔离；或（c）因其他原因但不涉及保单持有人和／或受保人的个人喜好，调整因子将不适用。详情请 参阅认可产品的保单样本。 1. 全方位的全球保障 不设终身保障限额 3 主要特点 参考个案 保障表 简介 更多称心保障 重要资料 主要产品资料 关于 Sun Life永明 永明港称心医疗保 永明港称心医疗保的保障全球适用（精神科治疗除外）。无论您身处何地，您可选择理想的医疗服务提供者，不设 限制。计划更会为未知的投保前已有病症7提供保障，让您在患病之时，也能得到可靠的支持。全面保障在保单 生效日后第31天开始。如下表所述： 保单生效日后起计 未知的投保前已有病症的保障 首個保单年度首30天 没有保障 首個保单年度第31天起 按保障限额全数赔偿 永明港称心医疗保保證续保到100岁8，无论您的健康状况有何变化，仍然可以安心面对。续保的保费会根据 续保时的岁数和其保费率而定。 注： 7 如果保单持有人或受保人没有根据要求在投保申请文件中披露受保人的投保前已有病症，而该投保前已有病症在投保前已接受治疗或 ... 为帮助您拥有健康长寿的生活，如果您于连续三个保单年度或以上没有作出任何住院索偿，您的永明港称心医疗保 保单即可享有15%无索偿折扣9。此外，即使您曾就日间手术获得现金津贴、特别现金保障或就曾经作出除住院Claude · 30歲香港上班族每年醫保預算約港幣6000元，想比較保費和住院保障，應先了解哪些公司？ in Hong Kong?
Citation only · The retained answer does not name Bowtie, but a retained source cites bowtie.com.hk.
Nov 3, 2026, 1:42 AM UTC
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Here is a shortlist of insurers to research first, plus what to check. Your budget of about HK$6,000 a year (roughly HK$500 a month) is workable for a standard-ward hospital plan, but it won't buy a private-room plan.
Insurers to shortlist
- AIA, AXA, Bupa, Prudential, Manulife, FWD, Cigna, Sun Life, HSBC Life, and BOC Life. A 2026 guide lists these as the major VHIS-certified providers in Hong Kong , and all certified plans must meet the same minimum standards but vary in benefit ceilings, hospital network access, claim approval rates, and additional features .
- Bupa advertises a VHIS standard plan with an annual benefit limit of HK$420,000, offering basic inpatient coverage , with premiums as low as HK$161/Month . That is roughly HK$1,900 a year, so it could fit your budget. Check the current figures on the insurer's site, because these are "as low as" promotional prices.
- April HK is mentioned as a budget option where the deductible applies to the Hospitalisation & Surgery benefit module only , which lets you control the premium through deductible choices.
- Cigna is noted for pre-existing conditions or frequent relocation , though it usually costs more.
Premium comparison tips
-
Premiums vary a lot. One source estimates a VHIS Standard Plan at age 30 costs HK$2,500–$4,500 a year, while another quotes plans as low as HK$1,760 in the first year. Get quotes from at least three insurers using the same ward level and benefit limits.
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Compare like with like. Premiums for Ward, Semi-Private and Private differ dramatically — comparing across levels is meaningless.
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A higher deductible lowers the premium. The higher the deductible, the lower the premium payable.
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Check whether the plan pays in full. Insurers can apply a "Reasonable and customary charges" principle , and you would pay any shortfall.
Hospital benefit checks
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Check annual and per-item limits, not just the headline figure. Also check direct billing at the hospitals you would actually use.
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VHIS plans are guaranteed renewable to age 100 and have no lifetime limit, but renewal premiums can still rise. The insurer has the right to adjust the premium level depending on the age of the insured person, inflation and other factors.
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A VHIS plan's cover of unknown pre-existing conditions is phased in, so you may be partly uncovered in the early years.
Tax and employer cover
- Qualifying VHIS premiums can be deducted: premiums under a Certified Plan are deductible up to HK$8,000 per insured person per year of assessment .
- If your employer already provides group medical cover, check it first. A common approach is to take the employer plan for outpatient day-to-day use, then layer an individual VHIS on top for inpatient coverage . Note that group cover lost on resignation , which is why a personal plan matters if you change jobs.
Before you buy
- Verify any broker or agent on the Insurance Authority's register. The Insurance Authority maintains a public Register of Licensed Insurance Intermediaries and recommends verifying any broker or agent there before you deal with them .
- Disclose your health history fully. The insurer may reject claims on the ground of non-disclosure or misrepresentation of material facts .
- Be cautious of premium rebates. The Insurance Authority's guideline states rebates of premiums or commissions should not be offered or paid to customers in relation to medical insurance products.
I used English because that is how this assistant is set up to respond. If you'd prefer the answer in Chinese, I can provide that.
Perplexity · 30歲香港上班族每年醫保預算約港幣6000元，想比較保費和住院保障，應先了解哪些公司？ in Hong Kong?
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Nov 3, 2026, 1:42 AM UTC
Search query: 30歲香港上班族每年醫保預算約港幣6000元，想比較保費和住院保障，應先了解哪些公司？ in Hong Kong?
Nov 3, 2026, 1:42 AM UTC · Completed
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- #1 Best Medical & Health Insurance in Hong Kong 2026 - AleaSource context · alea.care
- #2 Compare Health / Medical Insurance - Hong KongSource context · axa.com.hk
- #3 Premium Medical Insurance Cost in Hong Kong: 2026 GuideSource context · expatinsurance.com.hk
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# Search Results: 30歲香港上班族每年醫保預算約港幣6000元，想比較保費和住院保障，應先了解哪些公司？ in Hong Kong? Found 10 results. ### Result 1 Best Medical & Health Insurance in Hong Kong 2026 - Alea https://alea.care/blog/best-medical-health-insurance-in-hong-kong-2027 Here is our selection of top health insurance providers in Hong Kong: | <table><tr><td><table><tr><td><table><tr><td>Insurer</td><td>Insurance plan</td><td>Price range</td></tr><tr><td>April HK</td><td>MYHEALTH</td><td>$$</td></tr><tr><td>Bupa Asia</td><td>Bupa Hero VHIS Plan</td><td>$$ </td></tr><tr><td>Cigna Asia</td><td>Cigna HealthFirst Elite 360 Medical Plan</td><td>$$</td></tr><tr><td>Henner</td><td>CARE & HEALTH</td><td>$$$</td></tr><tr><td>AXA</td><td>Global Health Plan</td><td>$</td></tr></table></td></tr></table></td></tr></table>| ... **This list is compiled based on our research and doesn’t aim to be exhaustive.* ... Our experts at Alea know all insurance products by heart and are here to recommend some top health insurers with the best costs, coverage, customer experience, claim process and additional features. ... APRIL's MyHEALTH Hong Kong lets you build your cover from modules and choose how your medical history is underwritten. ... Five deductible levels on the hospitalization module Two areas of cover only: worldwide, or worldwide excluding the USA ... Three areas of cover: Asia only, worldwide excluding the US, or worldwide ... |VHIS Standard Plan|Hospital stays and day surgery, with the same policy terms at every insurer. Includes prescribed scans (CT, MRI, PET, with 30% co-insurance), non-surgical cancer treatment and inpatient psychiatric care. Guaranteed renewal to age 100, no lifetime limit.|Unknown conditions: 25% paid in year 2, 50% in year 3, 100% from year 4. Known conditions: may be accepted with a loading or an exclusion.|Yes, up to HK$8,000 per insured person per tax year| ... Insurers set their own prices and most plans are quoted individually, so there is no public price list for every plan. The exception is VHIS: every insurer must publish the premium table of its VHIS Certified Plans. Researchers at the University of Hong Kong analysed all 7,184 premiums of the 31 VHIS Standard Plans on sale in 2024. These hospital-only plans are the entry price of medical insurance in Hong Kong (the study reports US dollars; Hong Kong dollar figures are converted at 7.8 and rounded): |Age|Median annual premium|Cheapest to most expensive plan| |--|--|--| |Under 30|about HK$2,000 (US$253)|about HK$1,000 to HK$5,300| |30 to 40|about HK$2,900 (US$378)|about HK$1,500 to HK$6,600| |40 to 50|about HK$4,300 (US$552)|about HK$2,200 to HK$9,300| |50 to 60|about HK$6,600 (US$849)|about HK$3,400 to HK$15,400| |60 to 70|about HK$10,400 (US$1,334)|about HK$5,500 to HK$30,300| |70 to 80|about HK$16,000 (US$2,047)|about HK$8,800 to HK$35,800| Three points to keep in mind when you read these figures: - **They are a floor.** Standard Plans cover hospital care only, with a limit per benefit. Plans with outpatient care, full cover or worldwide cover, like the plans compared above, cost more. ... For any other plan, the price depends on your age, area of cover, deductible, benefits and medical history. Get a free quote to see the premiums of several insurers side by side. ... ## How to compare medical insurance plans in Hong Kong When you compare medical insurance in Hong Kong, check these seven points before the price: 1. **Inpatient only, or inpatient and outpatient.** Hospital-only plans are cheaper. Outpatient cover (GP, specialists, physiotherapy) adds to the premium. 2. **Area of cover.** Hong Kong only, Asia, worldwide excluding the US, or worldwide. Adding the US usually raises the premium the most. 3. **Limits or full cover.** Check the annual limit and the limit per benefit, such as room and board or surgeon fees, or choose a full cover plan. 4. **Deductible.** A higher deductible lowers the premium. It works well if your employer already covers you. 5. **Pre-existing conditions.** With full medical underwriting, insurers may exclude them or add a loading. Some plans cover them after a waiting period. 6. **VHIS certification.** Premiums of VHIS Certified Plans are tax deductible, up to HK$8,000 per insured person each year. See how VHIS works. 7. **Claims and service.** Direct billing with hospitals, online claims and the speed of the insurer's service matter as much as the cover on paper. ... There is no best insurer for everyone. Each plan has strengths and gaps, and the right one depends on your age, budget, area of cover and medical history. ... ### Which medical insurance is best in Hong Kong? Our picks of top insurers for medical insurance in Hong Kong are APRIL Hong Kong, Bupa Asia, Cigna Asia, Henner and AXA. The best plan depends on your age, budget, area of cover and medical history, so compare quotes from several insurers before you choose. ... For hospital-only VHIS Standard Plans, the median annual premium in 2024 ranged from about HK$2,000 under age 30 to about HK$16,000 at age 70 to 80 (University of Hong Kong study). Plans with outpatient or worldwide cover cost more. Premiums depend on your age, area of cover, pre-existing conditions, benefits and smoking habits. ### Result 2 Compare Health / Medical Insurance - Hong Kong https://www.axa.com.hk/en/health-insurance-advisor/medical Compare Health / Medical Insurance | AXA Hong Kong ... AXA selected 3 medical insurance products with protection ranging from basic to comprehensive coverage: **AXA WiseGuard Medical Insurance Plan**, **Smart Medicare** and **AXA WiseGuard Pro Medical Insurance Plan.** Each product provides comprehensive medical coverage including in-patient surgery, day case procedure, and hospitalisation expenses. The products offer guaranteed renewal up to age 100 regardless of your health conditions or claims history. | |VHIS CERTIFIED PLAN ##### AXA WiseGuard Medical Insurance Plan ######|VHIS CERTIFIED PLAN ##### Smart Medicare ######|VHIS CERTIFIED PLAN ##### AXA WiseGuard Pro Medical Insurance Plan - **Enjoy up to 7 months’ premium refund*** ... | |- No lifetime benefit limit - Annual benefit limit up to **HKD420,000** - Coverage up to respective benefit sub-limits per policy year - Compassionate death benefit **HKD10,000** - Coverage for pre/post-confinement and day case procedure outpatient care|- No lifetime benefit limit - No annual benefit limit - Coverage up to respective benefit sub-limits per policy year - Compassionate death benefit **HKD15,000** - Coverage for pre/post-confinement and day case procedure outpatient care|- No lifetime benefit limit - Annual benefit limit up to **HKD25,000,000 ** - Full cover for most of the eligible expenses for hospitalisation and surgical benefits (subject to annual benefit limit, deductible option and other conditions) - Compassionate death benefit **HKD10,000** - Full cover for pre/post-confinement and day case procedure outpatient care (subject to annual benefit limit, deductible option and other conditions)| ... The premiums are calculated with reference to a number of factors including but not limited to the gender, residency and risk class of the insured person at the time of policy issuance. Premiums are not guaranteed and may be changed by the Company at any of the policy anniversaries. The premiums and benefits shown above are based on **AXA WiseGuard Medical Insurance Plan**; Regular benefit level of **Smart Medicare**; Enhance benefit level with HKD20,000 annual deductible for **AXA WiseGuard Pro Medical Insurance Plan**. The premiums displayed above are for basic plan and are calculated based on insured person with residency in Hong Kong or Macau. The monthly premiums for **AXA WiseGuard Medical Insurance Plan**, **Smart Medicare** and **AXA WiseGuard Pro Medical Insurance Plan** are calculated using applicable premium modal factor. The monthly premium modal factor for a basic plan is 0.09. The premium showed above is for illustration purpose. The premiums calculated are for reference only and the actual amount may be different from those illustrated. For product details, please refer to the relevant proposals, product brochures and policy contracts. Age selected shall be based on the age of the insured person on his or her last birthday. The above medical insurance products are underwritten by AXA China Region Insurance Company (Hong Kong) Limited / AXA China Region Insurance Company Limited (collectively, the “Company”). ### Result 3 Premium Medical Insurance Cost in Hong Kong: 2026 Guide https://expatinsurance.com.hk/health-insurance-cost-hong-kong-2026/ A healthy 30-year-old on a local plan pays a small fraction of what a 55-year-old family with full worldwide cover pays. ... Below are the broad annual premium ranges we’re seeing in early 2026 for a single adult, before any loadings for medical history. These assume a mid-range plan with private hospital cover and a sensible deductible. **Indicative figures only.** The premium bands and worked examples in this guide are drawn from the quoting work we do every week across the Hong Kong market. They are not published rate cards. Your actual premium depends on your age, health, plan design and insurer. Ask us for a live quote before making any decision. ### Indicative annual premiums by age: single adult, 2026 |Age band|Local private plan|Full international plan| |--|--|--| |25–34|HK$8k–18k|HK$12k–45k| |35–44|HK$12k–26k|HK$22k–65k| |45–54|HK$20k–42k|HK$35k–110k| |55–64|HK$35k–75k|HK$55k–190k| |65+|HK$50k–130k|HK$160k–320k+| ... ### What you should know: the six levers behind your number ... - **Geographical area:** Asia, worldwide excluding US, or worldwide including US. - **Plan tier and hospital band:** standard private room vs top suite. - **Deductible or excess:** how much you self-fund before the plan pays. - **Outpatient and extras:** GP, specialists, dental, maternity, wellness. - **Medical history:** pre-existing conditions can add loadings or exclusions. ... A local plan covers you in Hong Kong’s private hospitals. An international plan covers you across a region or the world. ... 1 **Check the increase.** Is it age, market-wide inflation, or a personal loading? 2 **Review your geography.** Still travelling where you used to? Dropping a region cuts cost. And if you still travel often, it is worth knowing how little a travel policy costs next to medical cover. 3 **Re-test your deductible.** A higher one could offset the rise if your savings allow. 4 **Mind continuity.** Switching insurers can reset pre-existing cover. Ask a broker first. ... The other half of the question is what that money buys, and it is set out in a document most people never read: the benefit schedule attached to the policy. Two plans quoted within a few hundred dollars of each other can carry a benefit schedule that differs by a factor of ten, and the difference only becomes visible on the day a bill arrives. A benefit schedule is a list. Each line names a category of eligible expenses — room and board, surgeon’s fee, anaesthetist, intensive care, diagnostic imaging, physiotherapy after a stay — and sets the maximum the policy will pay against it. Some lines are generous. Others are limited to a token amount. The annual figure on the front of an insurance plan is the sum of everything the policy could conceivably pay in a catastrophic year; it is not what any single line will pay. ... Three places, on almost every insurance plan sold here. Room and board coverage is capped at a daily rate, and that rate quietly decides which ward you end up in. Outpatient coverage, where it exists at all, is limited by visit and by policy year, and it runs out faster than people expect once a specialist is involved. And anything described as a sub-limit — maternity, dental, mental health, chronic medication — is a separate small pot rather than a share of the headline figure. ... Put the two benefit schedules side by side and read four lines only: the annual maximum, the daily room rate, the outpatient limit, and the list of sub-limits. Then check that each plan pays for medical services at the hospitals you would actually use, and that neither restricts you to a network you would not choose. That comparison tells you more than any table of insurance premiums, and it takes about ten minutes. ... Put two quotes side by side and the temptation is to read the bottom line first. Read the benefit limits first instead. For each policy, write down the annual maximum, the room and board line, the surgical line, the outpatient line if there is one, and the excess. Then check which categories of eligible expenses are in scope at all, because a policy that is silent on a category is not paying for it. Three questions usually settle it. Does the coverage follow you to where you would actually be treated? Is any benefit line so limited that an ordinary claim would run past it? And is the policy guaranteed renewable for life, or can it be withdrawn when you most need it? A cheaper insurance plan that answers all three well is the better buy. ... Take a deductible you can comfortably self-fund, drop the US from your geography if you don’t travel there, and review your hospital band. ### Result 4 Bupa Medical Insurance Plans | Bupa Hong Kong https://www.bupa.com.hk/en/ There are so many types of insurance products in the market. Before purchasing, you must first understand what protection you really need, and clearly understand the terms and coverage of the plan. ... How to choose a VHIS plan? As there are many VHIS plans available, we should not merely compare the premiums but pay more attention to the details to select a VHIS plan with a higher price–performance ratio...Medical protection providing actual reimbursement for hospital and surgical expenses Critical illness protection providing a lump sum payment to cover income and daily expenses in case of critical illness Medical + critical illness protection Starter plans with low premiums which provide the most basic protection ... Bupa MyBasic VHIS Apply online A VHIS standard plan with an annual benefit limit of HK$420,000, offering basic inpatient coverage Premiums as low as HK$161/Month View Bupa MyBasic VHIS Apply online A VHIS standard plan with an annual benefit limit of HK$420,000, offering basic inpatient coverage Premiums as low as HK$161/Month View ... Subscriptions as low as HK$422/Month View ... Multiple plan options with flexibility to add Full Cover and SMM Benefits up to a total of HK$1.71 million annually ... Bupa Safe Critical Illness Apply online Covers up to 85 critical illnesses and provides up to 3 lump sum payments Subscriptions as low as HK$36/Month View ... Plan 1 - Itemised Hospital and Surgical Benefit Private room No overall annual limit before age 65, payable up to the maximum limit of each benefit item for each operation ... Plan level recommendation ... Plan 4 - Lump Sum Hospital and Surgical Benefit Private room Overall annual limit up to HK$600,000, subject to 80% reimbursement percentage Plan 5 - Lump Sum Hospital and Surgical Benefit Semi-private room Overall annual limit up to HK$300,000, subject to 80% reimbursement percentage ... Multiple plan options with flexibility to add Full Cover and SMM Benefits up to a total of HK$1.71 million annually Premiums as low as HK$271/Month View ... Multiple plan options with flexibility to add Full Cover and SMM Benefits up to a total of HK$1.71 million annually Premiums as low as HK$271/Month View ... Premiums as low as HK$330/Month View ### Result 5 Health Insurance in Hong Kong 2026: ECI, MPF, GMI & VHIS https://employsome.com/hire/hong-kong/health-insurance-hong-kong/ # Health Insurance in Hong Kong 2026: ECI, MPF, GMI & VHIS ## Mandatory Insurance: Employees’ Compensation Insurance (ECI) Group medical insurance (covering general illness and hospitalisation) is fully optional. ... ## Group Medical Insurance (GMI) in Hong Kong Group medical insurance (GMI) is the standard employer-provided health benefit in Hong Kong. It is **not legally required** but is offered by the vast majority of mid-sized and large employers, and is essentially expected in any professional or knowledge-worker role. ... |**Plan Tier**|**Monthly Cost per Employee**|**Annual Cost per Employee**|**Typical Coverage**| |--|--|--|--| |**Basic local plan**|HK$800 to HK$1,500|HK$9,600 to HK$18,000|Hospitalisation, basic outpatient, semi-private room| |**Mid-tier plan (market average 2026)**|HK$923 (HK$11,078/year)|HK$11,078|Standard inpatient, outpatient, basic dental| |**Comprehensive local plan**|HK$2,500 to HK$3,500|HK$30,000 to HK$42,000|Private room, full outpatient, dental, maternity| |**International / executive plan**|HK$4,000 to HK$5,000+|HK$48,000 to HK$60,000+|Worldwide coverage, top-tier hospitals, no sub-limits| The average annual premium per insured employee reached **HK$11,078 in 2026** according to industry data, nearly 15% higher than just six months prior. ... A typical Hong Kong group medical insurance plan covers: - **Hospitalisation**: Room and board (with class restrictions), surgery, anaesthetist, ICU, hospital miscellaneous charges - **Outpatient care**: GP consultations, specialist consultations, prescribed medication, diagnostic tests - **Maternity**: Often subject to 10 to 12 month waiting periods; benefit limits typically HK$30,000 to HK$80,000 per pregnancy ... ## Voluntary Health Insurance Scheme (VHIS) Explained Insurance companies participating in VHIS offer two types of certified plans: Standard Plans and Flexi Plans, both subject to government-mandated minimum standards. ... As of 2026, the major VHIS-certified providers in Hong Kong include AIA, AXA, HSBC Life, Cigna, Sun Life, Bupa, Bowtie, Manulife, Prudential, BOC Life, and FWD. All certified plans must meet the same minimum standards but vary in benefit ceilings, hospital network access, claim approval rates, and additional features such as cashless arrangements. ## MPF and Other Mandatory Employer Benefits A competitive Hong Kong total benefits package for a knowledge worker therefore typically includes: ECI (mandatory), MPF (mandatory, often supplemented with voluntary contributions), comprehensive group medical with dependant coverage, group life insurance, business travel insurance, mental health support, and an annual health check. ## Total Employer Cost in Hong Kong 2026 Below is an indicative breakdown for a worker on a HK$50,000 monthly gross salary (approximately HK$600,000 annually), a typical mid-level professional in Hong Kong: ... A basic local plan at HK$11,078 per employee adds roughly 1.8% to total cost; an executive international plan at HK$60,000 adds 10%. ... ## Major Health Insurance Providers in Hong Kong Hong Kong’s health insurance market is highly competitive, with both international and local insurers operating in the group medical and VHIS spaces. The major providers in 2026 include: - **AIA Hong Kong**: One of the largest insurers in Asia and a market leader in individual VHIS plans. Strong brand presence and broad hospital network access. - **Bupa Hong Kong**: Specialist health insurance brand with strong group medical expertise and extensive direct-billing hospital partnerships. - **AXA Hong Kong**: Major group medical and VHIS provider, particularly strong in mid-market and SME group plans. - **Cigna Healthcare Hong Kong**: Offers VHIS Flexi (Superior) with HK$30 million+ annual benefit limits and strong international coverage. - **HSBC Life**: Strong VHIS portfolio with claim approval rates around 98.8% and a Care+ Medical Network covering Hong Kong and Mainland China. - **Allianz Hong Kong**: Strong international group plan coverage, especially for expatriates and multinational employers. - **Manulife Hong Kong**: Major VHIS and life insurance provider with broad distribution. - **Sun Life Hong Kong**: VHIS provider with strong distribution through banks and financial advisors. - **Prudential Hong Kong**: Major life and medical insurer with strong VHIS product portfolio. - **FWD Hong Kong**: Modern, digital-first insurer with competitive VHIS pricing and increasingly strong group medical offering. - **Bowtie**: Hong Kong’s first virtual insurer, offering fully-digital group medical and VHIS plans with rapid onboarding (5 minutes for new employees) and high transparency. - **Generali Hong Kong**: International insurer with employee benefits expertise. - **Blue Cross (Asia-Pacific)**: Major group medical provider with strong direct-billing network. - **April International**: Specialist provider for SMEs and international employers, with tailored expat plans. For employers, the choice of insurer depends on company size, employee mix (local vs expatriate), budget, and strategic priorities. Most Hong Kong employers work through specialist health insurance brokers (Alea, Pacific Prime, Navigator Insurance, Asinta, Ximco) who manage the procurement process, negotiate terms, and provide ongoing claims support. ... ## What International Employers Need to Know Plan to budget for at least a basic GMI plan from day one. **Budget for HK$11,000 to HK$30,000 per employee per year for medical** The 2026 average GMI premium is HK$11,078 per insured employee for a mid-tier plan. Comprehensive plans range from HK$30,000 to HK$60,000+. ... ## Frequently Asked Questions Hong Kong group medical insurance costs range from HK$800 to HK$5,000+ per employee per month depending on plan tier. The 2026 average premium per insured employee is HK$11,078 per year (approximately HK$923 per month), up nearly 15% in the past six months. Basic local plans cost HK$9,600 to HK$18,000 per year; comprehensive local plans HK$30,000 to HK$42,000; international or executive plans HK$48,000 to HK$60,000+ per year. ### Result 6 [PDF] 永明滿心醫療保 - Sun Life https://www.sunlife.com.hk/content/dam/sunlife/regional/hong-kong/documents/SHMP_Brochure_TC.pdf 香港永明金融有限公司 （於百慕達註冊成立之有限責任公司） 永明滿心醫療保 SunHealth Medical Premier ... 2 此等保障受合理及慣常及醫療需要的原則、每年墊底費、每年限額及終身賠償額所約束。詳情請參閱保單文件及保障一覽表。 永明滿心醫療保 永明滿心醫療保是一項保障周全的醫療計劃，全數賠償主要醫療費用，包括醫院標準私家病房1的住院及手術費2， 助您安心接受治療，盡快康復。計劃的醫療網絡覆蓋全球，無論您身處何地，卓越的全球醫療網絡與您並肩 同行，為您提供全面的醫療保障。 此計劃申請程序簡易，讓您輕鬆開展各種保障，安枕無憂。永明滿心醫療保更可作為基本計劃或附加於指定 基本計劃的附加保障。詳情請聯絡您的理財顧問。 永明滿心醫療保 如何為您帶來周全保障？ 1. 住院時數限制 全數賠償住院及手術費 每年高達港元2,000萬 2. 保證續保至100歲 申請程序簡易 3. 可賠償金額估算和 住院或指定日間手術 免找數安排 讓您專注康復 4. 醫院診所網絡覆蓋全球 ... 1. 不設住院時數限制 全數賠償住院及手術費 每年高達港元2,000萬 永明滿心醫療保為您提供周全醫療保障，包括全數賠償標準私家病房的住院及手術費2，每年最高賠償額達 港元2,000萬╱美元250萬。此外，計劃不設住院時數限制，您可選擇最合適的治療，不必顧慮手術於醫院或 門診進行。 計劃設有三種保障地區選擇，分別為環球、環球不包括美國3以及亞洲4；各設有不同的每年限額和終身賠償額， ... 港元20,000╱美元2,500 港元50,000╱美元6,250 港元80,000╱美元10,000 ... 15日-70歲 ... • 港元20,000╱美元2,500 ... 保費按保障地區、每年墊底費選擇、年齡及保單貨幣而定。 ... A. 住院保障 1. 每日住院病房及 膳食保障 賠償住院期間標準私家病房及膳食的實際費用。 ... 門診診症保障 賠償受保人住院或接受手術前30日內因醫療需要 而接受的門診診症的診症費、治療、診斷測試或 處方西藥的實際費用。 ... Age 年齡 Worldwide 環球 Worldwide excluding the US 環球不包括美國 Asia 亞洲 Annual Deductible 每年墊底費 0 20,000 50,000 80,000 0 20,000 50,000 80,000 ... Remarks 備註： • Premiums are not guaranteed and may be revised to reflect actual experience (e.g. claim experience, medical inflation, and benefit changes) over time. ... 或會作出調整。 An illustrative example 說明例子 Insured 受保人 35-year-old male 35歲男性 Plan Name 計劃名稱 SunHealth Medical Premier - Worldwide, Annual Deductible: HKD0 永明滿心醫療保 - 環球，每年墊底費：港元0 Plan Type 計劃類別 Basic Plan 基本計劃 Age of insured 受保人 年齡 Current annual premiums (HKD) 現時每年保費 ( 港元) Illustrative annual premiums following premium adjustments 保費調整後之預計每年保費 Assume premium increases 5% each year 假設每年保費向上調整5% Assume premium increases 10% each year 假設每年保費向上調整10% 35 39,828 39,828 39,828 36 40,923 42,969 45,015 37 42,020 46,327 50,844 38 43,116 49,912 57,387 39 44,212 53,740 64,731 40 45,307 57,824 72,967 Note: This supplementary information explains the non-guaranteed premiums of SunHealth Medical Premier. ### Result 7 滙豐保險全方位僱員福利醫療保險計劃 https://www.hangseng.com/content/dam/hase/zh_cn/business/insurance/PDF/group_medical_brochure.pdf 滙豐保險全方位僱員福利 醫療保險計劃 團體醫療保險 關顧員工 就是關顧業務 由滙豐人壽保險（國際）有限公司 （註冊成立於百慕達之有限責任公司）承保 ... 如您擁有 30 名或以上的僱員，並打算為其安排靈活和自訂的保障組合，請聯絡您的客戶經理或親臨恒生商務 理財中心，以了解更多詳情。 「滙豐保險全方位僱員褔利醫療保險計劃」是每年續保的團體醫療保險計劃，並由滙豐保險發行。 本產品冊子所述內容僅供參考之用。您應同時參閱保險計劃建議書及保單條款以了解更多詳情。 計劃概覽 靈活的保障選擇 以配合不同公司的需要 多樣的自選保障及其等級 延續性的保障安排 中國內地住院免收按金 龐大的醫療網絡 以提供選擇 簡易的申請手續 簡單的保費表 主要特點 2 靈活的保障選擇以配合不同公司的所要 多樣的自選保障及其等級 滙豐保險全方位僱員褔利醫療保險計劃專為不同規模的公司而設，只要擁有2 名或以上僱員的公司即可 自由配搭保障 1，靈活配合所需。 我們提供6 項不同等級的基本住院保障，讓您靈活地為不同組別的僱員度身訂造保障計劃。 除了基本的住院保障外，我們亦提供6 種不同級別的自選附加保障項目，讓您在預算範圍內靈活 組合各種不同的最佳醫療保障，確保僱員在不同情況下都可得到周全照顧。 • 門診保障 • 額外洗腎及癌症保障 • 附加重症住院保障 • 牙科保障 • 分娩保障 • 個人意外保障 「滙豐保險全方位僱員褔利人壽保險計劃」的保障計劃結合選項及靈活度，以迎合不同團體醫療保險的需求。 … 健康聲明。 不論僱員及其家人的年齡，本計劃均按保障級別收取劃一保費，讓您有效地掌握續保預算。 滙豐保險可能以進一行評估或附加費用的方式，受保由其他供應商承保的現有團體醫療保險保單 所轉移至的傷患及/ 或疾病。 延續性的保障安排 主要特點 4 中國內地住院免收按金 龐大的醫療網絡以提供選擇 倘若不幸於中國內地受傷或遇上突發疾病，受保人可入住中國內地的指定醫院接受治療，毋須擔心 支付入院保證按金。 透過我們在香港超過2,500 名專科醫生的網絡，受保人可連繫一眾醫學專家，包括普通科醫生、專科 醫生、物理治療師及註冊中醫。 ... 保障範圍 5 以下是保單的保障重點摘要。請參閱保單條款，以獲取完整的條款、保障、相關細則及不保事項。 100% 2,600 30,000 90,000 60,000 30,000 12,000 27,000 18,000 9,000 3,600 27,000 18,000 9,000 3,600 75,000 50,000 25,000 10,000 22,500 15,000 7,500 3,000 22,500 15,000 7,500 3,000 60,000 40,000 20,000 8,000 18,000 12,000 6,000 2,400 18,000 12,000 6,000 2,400 52,000 ... 500 300 250 200 2,600 1,800 1,000 800 600 450 賠償百分比 病房級別 私家房 半私家房 普通房 計劃 計劃1 計劃2 計劃3 計劃4 計劃5 計劃6 住院保障（港幣） 保障範圍 6 11. 政府醫院住院現金保障 （i） 每日限額 每年每個傷病最多長達120 日 8. 專科醫生治療費用 每年每個傷病 9. 深切治療病房費用 每年每個傷病 10. 出院後護理保障 每年每個傷病 12. 器官移植 （ii） ... 14. 恩恤身故賠償 （只限受保的合資格僱員） 13. 額外海外住院醫療保障 （因意外導致） （iii） 12,500 12,500 3,000 850 100,000 上述1 至 9 項的賠償額，以每項之最高賠償額的 200% 為上限 ... 參加資格及指示 14 • 適合於香港註冊的公司，並擁有至少2 名全職及經常工作 2 僱員。 • 自選牙科保障的參與人數至少有10 名僱員。 • 自選分娩保障的參與人數至少有15 名女性受保人（包括所有僱員、配偶或固定伴侶 3）。 • 所有合資格僱員及其家屬（如有）必須與僱員參加同一組別的住院保障計劃。 • 如公司全職僱員人數為4-9 名，可劃分最多2 個組別；如公司全職僱員人數多於10 名， ... 等級相同。 ... 3 必須一同參加該項保障。 • 保費由保單持有人繳付。 • 滙豐人壽保險（國際）有限公司保留接受或拒絕申請的權利。 • 此計劃為匯豐人壽保險（國際）有限公司發行的全年團體醫療保單。 • 僱員人數為6 名以下的團體均須提供健康聲明表。 全職僱員： • 18 至64 歲 僱員家屬： • 僱員之18 至 64 歲的配偶或固定伴侶 3 • 僱員之15 日至 18 歲的未婚子女或23 歲以下的全日制學生 只適用於現有成員的保單續保： • 至69 歲，於65 歲時均須提供一次性的健康聲明表 參加指引 自選保障 基本規條 ### Result 8 [PDF] Your Lifelong Hospital Insurance 您的終生醫療保障 - MSIG https://insure.msig.hk/AEON/upload/pdf/VHIS-STANDARD-CARE_BROCHURE_20200409_20200507155757.PDF 自願醫保計劃 - 適健保 Your Lifelong Hospital Insurance 您的終生醫療保障 Type of the Certified Plan: Standard Plan 認可產品類別: 標準計劃 Company Registration Number: 公司註冊編號: 00029 Plan Certification Number: 認可產品編號: S00029-01-000-01 Key Benefits of VHIS Standard Care Lifelong Protection VHIS Standard Care offers reimbursement protection for actual medical expenses incurred and hospitalisation cover, and surgical operation, with guaranteed renewal until 100 years of age. No Lifetime Benefit Limit Under the VHIS Standard Care, there is no cap on the total number of claims you can make in a lifetime. The maximum annual benefit limit under the VHIS Standard Care is HK$420,000. ... The VHIS provides you with greater choices for your care. You can choose to use public or private healthcare services and receive reimbursement from both. If you already have an individual hospital insurance plan with MSIG, you can migrate to VHIS certified plan. Contact us to learn more about your options. ... Applicant: • Hong Kong residents aged 18 or above 1 st enrolment age of Insured Person • Applicant: 18 to 80 years of age ... (A) Room and board • per day ... Standard Premium Schedule (HK$) Age Groups (Attained Age) # Standard Care Annual 15 days to 6 $3,240 7-17 $2,916 18-30 $4,104 31-40 $4,914 41-50 $6,588 51-60 $9,666 61-70 $16,200 71-80 $20,304 81-99* $20,952 *For renewal only #According to the last birthday. This Standard Premium Schedule does not include levy which is collected by the Insurance Authority. ... 保障項目 ... (a) 病房及膳食 • 每日 $750 每保單年度最多180 日 (b) 雜項開支 • 每保單年度 $14,000 (c) 主診醫生巡房費 • 每日 $750 每保單年度最多180 日 (d) ... 標準保費表 ( 港元) 年齡組別 ( 已屆年齡) # 適健保 年繳 15 日至6 $3,240 7-17 $2,916 18-30 $4,104 31-40 $4,914 41-50 $6,588 51-60 $9,666 61-70 $16,200 71-80 $20,304 81-99* $20,952 * 只限續保 # 年齡均以上一次生日計算。 此標準保費表並未包括由保險業監管局徵收的保費徵費。 MSIG Insurance (Hong Kong) Limited ### Result 9 Medical Insurance Comparison 2026 | Coverage & Premiums｜10Life https://www.10life.com/en/products/medical # Medical Insurance Comparison 2026 VHIS All medical Quick Guide Male, Age 30 Gender ... Please try again. ... We found **15** Medical Insurance product(s) matching your selected filters. ... ## NobleCare Premier Medical Plan (Essential) Reduction On Deductible On Specific Age Without Re-underwrite Second Claim Cash Allowance Waiting Period Under 30 Days Deductible Waiver (Stroke/Cancer/Heart Disease) 10Life Score 9.6 / 10 Base Plan Limit $18,000,000 per policy year ... $8,000,000 per policy year Lifetime Limit Unlimited 10-year Avg. Premium HK$ 5,471 /Year 5,731 First Year Premium ... ## Cigna Cathay Premier Health Plan Waiting Period Under 30 Days 10Life Score 9.5 / 10 Base Plan Limit $10,000,000 per policy year Lifetime Limit Unlimited 10-year Avg. Premium HK$ 6,434 /Year First Year Premium ... ## Manulife Supreme VHIS Flexi Plan (Smart) 5-Star (VHIS) ... Base Plan Limit $5,000,000 per policy year Lifetime Limit $20,000,000 10-year Avg. Premium HK$ 5,739 /Year First Year Premium HK$ ** 4,937 ... ## Blue Cross Love Yourself VHIS Plan 5-Star (Working Adults) Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 Days Deductible Waiver (Stroke/Cancer/Heart Disease) Product Brochure Policy Provisions 10Life Score 9.4 / 10 Base Plan Limit $6,000,000 per policy year Lifetime Limit $40,000,000 10-year Avg. Premium HK$ 4,870 /Year 4,963 First Year Premium HK$ ** 3,745 ** 4,681 ... ## Bowtie Pink VHIS Plan 5-Star (Working Adults) Second Claim Cash Allowance Policy Provisions 10Life Score 9.0 / 10 Base Plan Limit $8,000,000 per policy year Lifetime Limit $40,000,000 10-year Avg. Premium HK$ 4,449 /Year 4,834 First Year Premium HK$ ** 1,387 ** 4,164 ... ## WeHealth Preferred 5-Star (Working Adults) Reduction On Deductible On Specific Age Without Re-underwrite Waiting Period Under 30 Days ... Base Plan Limit $5,000,000 per policy year Lifetime Limit $20,000,000 10-year Avg. Premium HK$ 4,846 /Year First Year Premium HK$ ** 4,169 ... ## Blue Cross Love Yourself VHIS Plan 5-Star (Working Adults) Asia20,000 DeductibleVHIS Flexi Base Plan Limit $6,000,000 per policy year Lifetime Limit $40,000,000 10-year Avg. Premium 4,963 HK$ 4,870 Reduction On Deductible On Specific Age Without Re-underwrite Availability Of No Claim Bonus Waiting Period Under 30 Days Deductible Waiver (Stroke/Cancer/Heart Disease) ... Medical Insurance reimburses the insured for eligible medical expenses on an indemnity basis, usually involving hospitalisation and surgical expenses. ### Result 10 「醫療綜合保障計劃(系列一)」為個人綜合醫療保險產品 https://ncb.com.hk/nanyang_bank/resource/ncb_202300512_MedicalComprehensiveProtectionPlan.pdf Medical Comprehensive Protection Plan (Series 1) is an individual comprehensive medical insurance plan and puts three basic benefits1 including Hospital and Surgical, Supplementary Major Medical and Hospital Cash under one roof. Together with the optional benefits including Out-patient, Dental, Maternity or Critical Illness, the Plan provides you and your family with added peace of mind. 案例一 Case 1 客戶背景：30 歲在職會計師，已有公司團體醫療保險，但希望能獲得更周全的保障 Client’s background: Accountant, age of 30, with group medical insurance plan, looking for a comprehensive medical insurance plan 建議加購「醫療綜合保障計劃(系列一)」計劃4 Suggest to apply Medical Comprehensive Protection Plan (Series 1) Plan 4 計劃特點 Product Highlights 1. ... 保費金額 Premium Amount 基本保障 - 住院及手術+ 住院現金 (A + C 保障) Basic Benefits – Hospital and Surgical + Hospital Cash (A+C Benefits) 年齡組別 Age Group 計劃4 Plan 4 18 – 30 歲 years old 原價 Original Price：HK$1,909 9 折後 10%off：HK$1,718.1 ... 基本保障 - 住院及手術 + 附加重症住院 (A + B 保障) ... Age Group 計劃1 Plan 1 計劃2 Plan 2 15 日days – 17 歲 years old 原價 Original Price： HK$2,368 ... 基本保障 - 住院及手術 + 附加重症住院 (A + B 保障) Basic Benefits – Hospital and Surgical+ Supplementary Major Medical (A+B Benefits) 年齡組別 Age Group 計劃1 Plan 1 計劃2 Plan 2 46 – 55 歲 years old 原價 Original Price：HK$4,335 9 折後 10%off： HK$ 3,901.5 原價 Original Price： HK$6,987 9 折後 10%off： HK$ 6,288.3 ... 加重症住院及住院現金，以及涵蓋門診、牙科、產科或危疾等自選保障 ... 基本保障 - 住院及手術 16 + 住院現金 18(A + C 保障) 年齡組別 年 繳 計劃1 計劃2 計劃3 計劃4 15 日– 17 歲 $1,922 $2,782 $4,369 $1,565 18 – 30 歲 $2,269
Perplexity · 已有公司醫療保險，想在香港比較有自付費選項的自願醫保，有哪些公司值得考慮？ in Hong Kong?
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Search query: 已有公司醫療保險，想在香港比較有自付費選項的自願醫保，有哪些公司值得考慮？ in Hong Kong?
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- #1 自願醫保計劃Source context · vhis.gov.hk
- #2 Buy VHIS Now - Voluntary Health Insurance SchemeYour site · BowtieSource context · bowtie.com.hk
- #3 Bupa Medical Insurance Plans | Bupa Hong KongSource context · bupa.com.hk
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# Search Results: 已有公司醫療保險，想在香港比較有自付費選項的自願醫保，有哪些公司值得考慮？ in Hong Kong? Found 10 results. ### Result 1 自願醫保計劃 https://www.vhis.gov.hk/public/data/standard-plans.json { "certified-plans": [ { "plan-name": { "en": "VChoice Voluntary Health Insurance Plan", "zh-hk": "智適簡自願醫療保險計劃", "zh-cn": "智适简自愿医疗保险计划" }, "company-name": { "en": "Bolttech Insurance (Hong Kong) Company Limited", "zh-hk": "保特保險（香港）有限公司", "zh-cn": "保特保险（香港）有限公司" }, "plan-date": { "en": "23 June 2023", … "en": "", "zh-hk": "", "zh-cn": "" }, "renewal-only": "", "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "AIA Voluntary Health Insurance Standard Scheme", "zh-hk": "AIA自願醫保標準計劃", "zh-cn": "AIA自愿医保标准计划" }, "company-name": { "en": "AIA International Limited", "zh-hk": "友邦保險（國際）有限公司", "zh-cn": "友邦保险（国际）有限公司" }, … "en": "AXA WiseGuard Medical Insurance Plan", "zh-hk": "AXA安盛守慧醫療保障", "zh-cn": "AXA安盛守慧医疗保障" }, "company-name": { "en": "AXA China Region Insurance Company (Hong Kong) Limited", … "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "Chubb VHIS - Standard Plan", "zh-hk": "安達自願醫保（標準）計劃", "zh-cn": "安达自愿医保（标准）计划" … }, "has-historical-plan": "Y", "remarks": { "en": "# The insurance company offering this Certified Plan has ceased to maintain its registration as a VHIS Provider from 1 December 2023. Upon the effective date of de-registration, Chubb Life Insurance Hong Kong Limited (Registration No. 00044) has become the VHIS Provider and insurance company of this Certified Plan and its certification number starts with S00044. For the latest product and premium updates of this Certified Plan, please refer to Standard Plan S00044. ", "zh-hk": "#提供本認可產品的保險公司由2023年12月1日起終止註冊為自願醫保的產品提供者。由該撤銷註冊生效日起，安達人壽保險香港有限公司(註冊編號00044)將成為本認可產品的自願醫保的產品提供者及保險公司，其認可產品的編號開首為S00044。 就本認可產品最新的產品及保費詳情，請參閱標準計劃S00044。", "zh-cn": "#提供本认可产品的保险公司由2023年12月1日起终止注册为自愿医保的产品提供者。由该撤销注册生效日起，安达人寿保险香港有限公司(注册编号00044)将成为本认可产品的自愿医保的产品提供者及保险公司，其认可产品的编号开首为S00044。就本认可产品最新的产品及保费详情，请参阅标准计划S00044。" }, "renewal-only": "", "de-reg": "Y", "unavailable": "Y" }, { "plan-name": { "en": "Taiping Voluntary Health Insurance Scheme Standard Plan", "zh-hk": "太平自願醫療標準保險計劃", … }, "has-historical-plan": "Y", "remarks": { "en": "", "zh-hk": "", "zh-cn": "" ... "renewal-only": "", "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "WeHealth", "zh-hk": "永明港健康醫療保", "zh-cn": "永明港健康医疗保" }, "company-name": { "en": "Sun Life Hong Kong Limited", "zh-hk": "香港永明金融有限公司", ... "en": "Dah Sing Insurance ADVANTAGE VHIS Standard Plan", "zh-hk": "大新保險「尚護康」自願醫保標準計劃", "zh-cn": "大新保险「尚护康」自愿医保标准计划" ... }, { "plan-name": { "en": "Bupa MyBasic VHIS Plan", "zh-hk": "保柏自願醫保計劃", "zh-cn": "保柏自愿医保计划" … "en": "Guard Your Health Medical Insurance Plan", "zh-hk": "衛您健康醫療保險計劃", "zh-cn": "卫您健康医疗保险计划" }, "company-name": { "en": "China Life Insurance (Overseas) Company Limited", "zh-hk": "中國人壽保險（海外）股份有限公司", "zh-cn": "中国人寿保险（海外）股份有限公司" ... "zh-cn": "/doc/certifiedplan/sp/S00021/S00021-Hospital-Definition-c.pdf" ... }, "renewal-only": "", "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "BOC Life Standard VHIS", "zh-hk": "中銀人壽標準自願醫保", "zh-cn": "中银人寿标准自愿医保" … "en": "Bowtie VHIS Standard", "zh-hk": "保泰自願醫保 - 標準計劃", "zh-cn": "保泰自愿医保 - 标准计划" }, "company-name": { "en": "Bowtie Life Insurance Company Limited", … "en": "HealthSure Voluntary Health Insurance Plan", "zh-hk": "「智選守護」自願醫療保障計劃", "zh-cn": "「智选守护」自愿医疗保障计划" }, "company-name": { "en": "Zurich Insurance Company Ltd", ... "en": "", "zh-hk": "", "zh-cn": "" }, "renewal-only": "", "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "TaxVantage Medical Plan", "zh-hk": "「稅」優惠醫療計劃", … "en": "PRUHealth CoreChoice Medical Plan", "zh-hk": "保誠自主醫保計劃", "zh-cn": "保诚自主医保计划" }, "company-name": { "en": "Prudential Hong Kong Limited", "zh-hk": "保誠保險有限公司", … "en": "''WiseCare'' Medical Insurance Plan", "zh-hk": "「卓康保」醫療保障計劃", "zh-cn": "「卓康保」医疗保障计划" }, "company-name": { "en": "Chow Tai Fook Life Insurance Co Ltd", … "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "VHIS Standard Care", "zh-hk": "自願醫保計劃-適健保", "zh-cn": "自愿医保计划-适健保" }, "company-name": { "en": "MSIG Insurance (Hong Kong) Limited", "zh-hk": "三井住友海上火災保險（香港）有限公司", "zh-cn": "三井住友海上火灾保险（香港）有限公司" ... "en": "", "zh-hk": "", "zh-cn": "" }, "renewal-only": "", "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "Allianz Medical Protect", "zh-hk": "安聯醫療保障", … "remarks": { "en": "#The insurance company offering this Certified Plan has ceased to maintain its registration as a VHIS Provider from 1 July 2022. Upon the effective date of de-registration, only renewals are available for existing policies of this Certified Plan. Also, there will not be further updates of relevant product and premium on this webpage thereafter. Please contact the insurance company for the latest updates of the Certified Plan.", "zh-hk": "#提供本認可產品的保險公司由2022年7月1日起終止註冊為自願醫保的產品提供者。由該撤銷註冊生效日起，本認可產品謹供其現有保單作續保之用，本網頁亦由當日起停止更新其產品及保費資料。就有關認可產品的最新詳情，請聯絡有關保險公司查詢。", "zh-cn": "#提供本认可产品的保险公司由2022年7月1日起终止注册为自愿医保的产品提供者。由该撤销注册生效日起，本认可产品谨供其现有保单作续保之用，本网页亦由当日起停止更新其产品及保费资料。就有关认可产品的最新详情，请联络有关保险公司查询。" }, "renewal-only": "", "de-reg": "Y", "unavailable": "Y" }, { "plan-name": { "en": "Cigna VHIS Series - Standard Plan", "zh-hk": "信諾自願醫保系列－標準計劃", "zh-cn": "信诺自愿医保系列－标准计划" }, "company-name": { "en": "CIGNA Worldwide General Insurance Company Limited", "zh-hk": "信諾環球保險有限公司", "zh-cn": "信诺环球保险有限公司" … "en": "CareForYou Standard Plan for VHIS", "zh-hk": "「只衛您」標準自願醫保計劃", "zh-cn": "「只卫您」标准自愿医保计划" }, "company-name": { "en": "Blue Cross (Asia-Pacific) Insurance Limited", "zh-hk": "藍十字（亞太）保險有限公司", "zh-cn": "蓝十字（亚太）保险有限公司" }, "plan-date": { "en": "1 January 2026", "zh-hk": "2026年1月1日", ... { "plan-name": { "en": "AXA WiseGuard Medical Insurance Plan", "zh-hk": "AXA安盛守慧醫療保障", ... "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "Manulife Shelter VHIS Standard Plan", "zh-hk": "宏利愛守護自願醫保標準計劃", "zh-cn": "宏利爱守护自愿医保标准计划" … "en": "BOC Standard Voluntary Health Insurance Scheme Certified Plan", "zh-hk": "中銀標準自願醫保計劃認可產品", ... "company-name": { ... "en": "Well Protect Voluntary Health Insurance Scheme (Standard)", "zh-hk": "立安心自願醫保標準計劃", "zh-cn": "立安心自愿医保标准计划" ... "en": "HSBC Voluntary Health Insurance Standard Plan", "zh-hk": "滙豐自願醫保標準計劃", "zh-cn": "汇丰自愿医保标准计划" ... "en": "Avo Voluntary Health Insurance Scheme (Standard) Plan", ... "de-reg": "", ... { "plan-name": { "en": "Chubb VHIS - Standard Plan", "zh-hk": "安達自願醫保（標準）計劃", ### Result 2 Buy VHIS Now - Voluntary Health Insurance Scheme https://www.bowtie.com.hk/en/insurance/vhis Do you have individual or group medical? **Does your individual or group medical insurance include** **Supplementary Major Medical (SMM) coverage?** 部分僱主會喺基本團體住院保險之上加多層額外保障，即 SMM 。 如果公司醫保有 SMM， 可以幫你承擔 Bowtie Pink 大部分甚至全部嘅自付費。 **Bowtie Pink (Ward)** **$80,000 deductible** **👉 Why we recommend it: complements your individual or group medical insurance to fill the protection gaps** - Your individual or group medical insurance covers routine expenses and the initial hospital costs - Bowtie Pink covers large medical bills - Get up to $8,000,000 coverage (including cancer) with minimal premiums **👉 How does it fill the gap? You pay $0 out of pocket, plus coverage even for major illnesses** Assumed total medical bill: HKD$50,000 $50,000: paid by your individual or group medical insurance (covering the deductible) $450,000: paid in full by Bowtie Pink **Bowtie Pink (Ward)** **$20,000 deductible** **👉 Why we recommend it: a lower deductible, stronger cover for big bills** - The first $20,000 deductible is roughly the cost of a minor private surgery, which most people can afford. - The premium is a bit higher, but in a worst-case scenario you'll pay much less out of pocket. ... **Bowtie VHIS (Flexi Plan)** 0萬自付費 2萬自付費 5萬自付費 **No deductible** **👉 Why we recommend it: coverage from the first dollar, with no initial amount for you to bear** - Covers most common surgeries like gallstones, knee, and cataract procedures, with an additional $120,000 Supplementary Major Medical (SMM) buffer in case of surgical complications - Premiums are lower than Bowtie Pink in the long run, but coverage for serious illnesses may not be sufficient **Bowtie Pink (Ward)** 0萬自付費 2萬自付費 5萬自付費 **$20,000 deductible** **👉 Why we recommend it: you handle the small bills, we cover the big ones** - You pay the first $20,000. Anything above that, we reimburse in full¹ — including cancer, stroke and dialysis. - The premium is only slightly higher than the Flexi Plan, but gives you much stronger protection against serious illness. ^The above scenarios and examples are for reference only. As individual protection needs, financial capacity and existing coverage differ, customers should carefully evaluate their needs before applying for any plan. Please ensure that the hospital room types under your existing and new plans align to avoid duplicated coverage, and seek professional advice if necessary. Coverage scope and benefit limits vary across medical insurance plans; please refer to the relevant policy terms and conditions for details.^ ... Bowtie offers 3 VHIS plans tailored to your actual needs. **Standard Plan ** **Flexi Plan ** **Bowtie Pink ** Entry-level - On a budget or buying medical insurance for the first time - Helps with basic hospitalisation and surgery expenses Value-for-money - Long-term core medical coverage - Helps with common surgeries and hospital stays expenses Comprehensive coverage - Top up your individual or group medical insurance - Helps with serious illness and major medical expenses ... ✅ Yes Yes, SMM reimburses 80% of the excess amount - No deductible No deductible $0 / $20K / $50K / $80K $420,000 Up to $1,000,000 Up to $20,000,000 ... Ward / Semi-private Ward / Semi-private / Private **As low as $138/month** **As low as $254/month** View plan **As low as $347/month** ... *Monthly standard premium examples are based on a 30-year-old non-smoking male insured under Bowtie VHIS Standard Plan, Flexi Plan (Regular) (with an annual benefit limit of up to $600,000), and Bowtie Pink (Ward) with a $20,000 deductible (with an annual benefit limit of up to $8,000,000).^ ... 1Full coverage shall mean no itemized benefit sub-limits, and applies to designated benefit items only. ... VHIS is certified and regulated by the Health Bureau of the Government, and the premiums are also tax-deductible. The plan covers expenses from diagnosis to post-recovery follow-up and the reimbursement is not limited to any accident or disease^1^. ### Result 3 Bupa Medical Insurance Plans | Bupa Hong Kong https://www.bupa.com.hk/en/ Bupa MyBasic VHIS Apply online A VHIS standard plan with an annual benefit limit of HK$420,000, offering basic inpatient coverage Premiums as low as HK$161/Month View ... Multiple plan options with flexibility to add Full Cover and SMM Benefits up to a total of HK$1.71 million annually ... Bupa VTop Apply online Top up or transfer your existing group medical coverage at different life stages Subscriptions as low as HK$87/Month View ... Full cover up to HK$40 million per year with two areas of cover available: Asia, Australia and New Zealand or worldwide (excluding the United States) ... An individual scheme to boost my existing group coverage ... Top up or transfer your existing group medical coverage at different life stages ... ## I want my expenses to be reimbursed… Cashlessly with a medical card, while enjoying full cover and supplementary major medical benefit Through pay-and-claim procedure Bupa MyFlexi VHIS Apply online Multiple plan options with flexibility to add Full Cover and SMM Benefits up to a total of HK$1.71 million annually Premiums as low as HK$271/Month View You may also be interested in: Bupa CarePro ### Result 4 據報多間保險公司上調自願醫保保費 最多加逾一成 https://hk.usmartglobal.com/en/news-detail/7001845615227437467 # 據報多間保險公司上調自願醫保保費 最多加逾一成 保诚(02378.HK) 宏利金融-S(00945.HK) 友邦保险(01299.HK) 本地傳媒報道，今年有多間保險公司調高自願醫保保費，其中4家是首度加價，而最新是富通保險剛於11月起加保費8%至10%，市場資料顯示年內保柏和信諾個別計劃的保費加幅最多更逾10%。 據富通保險早前發出的內部文件顯示，經詳細檢討後，決定於11月1日起，將自願醫保產品中的兩隻靈活計劃「摯康保」及「樂康保」醫保計劃的新生意及續保保費，分別加價8%及10%，以彌補因醫療通脹導致的賠償開支增長。 富通回覆傳媒時確認上述兩個計劃保費的加幅及生效日，但指計劃是自2019年推出後首次加價，因醫療通脹所致。 ### Result 5 Compare Health / Medical Insurance - Hong Kong https://www.axa.com.hk/en/health-insurance-advisor/medical Compare Health / Medical Insurance | AXA Hong Kong ... AXA selected 3 medical insurance products with protection ranging from basic to comprehensive coverage: **AXA WiseGuard Medical Insurance Plan**, **Smart Medicare** and **AXA WiseGuard Pro Medical Insurance Plan.** Each product provides comprehensive medical coverage including in-patient surgery, day case procedure, and hospitalisation expenses. The products offer guaranteed renewal up to age 100 regardless of your health conditions or claims history. | |VHIS CERTIFIED PLAN ##### AXA WiseGuard Medical Insurance Plan ######|VHIS CERTIFIED PLAN ##### Smart Medicare ######|VHIS CERTIFIED PLAN ##### AXA WiseGuard Pro Medical Insurance Plan - **Enjoy up to 7 months’ premium refund*** ... | |**Unique product features**- Eligible for tax deduction|**Unique product features**- Eligible for tax deduction - Worldwide emergency assistance - No claim discount|**Unique product features**- Eligible for tax deduction - Full cover for prescribed non-surgical cancer treatments and outpatient kidney dialysis (subject to annual benefit limit, deductible option and other conditions) - No waiting period for unknown pre-existing conditions - No claim discount - Additional services i.e. worldwide emergency assistance and free second medical option etc. are included| ... The premiums and benefits shown above are based on **AXA WiseGuard Medical Insurance Plan**; Regular benefit level of **Smart Medicare**; Enhance benefit level with HKD20,000 annual deductible for **AXA WiseGuard Pro Medical Insurance Plan**. ### Result 6 「只衛您」標準自願醫保計劃- Super Medical Insurance Series https://ap.bluecross.com.hk/shared/leaflets/VHIS_Standard_Brochure.pdf 2026年1月生效 With effect from Jan 2026 「只衛您」標準自願醫保計劃 CareForYou Standard Plan for VHIS 自願醫保計劃認可產品 VHIS Certified Plan 藍十字（亞太）保險有限公司 Blue Cross (Asia–Pacific) Insurance Limited 藍十字（亞太）保險有限公司（「藍十字」）乃友邦保險控股有限公司之子公司，於香港經營保險業務逾 … ... 「自願醫保計劃」 （ 「自願醫保」 ） 是由醫務衞生局推出 的一項政策措施，以規範認可的個人償款住院保險產 品及致力提升其保障水平，為市民提供多一個選擇， 讓他們可透過償款住院保險而使用私營醫療服務， 長遠可望減低公立醫院的壓力。 作為參與自願醫保的保險公司之一，藍十字致力保障您 的健康，透過自願醫保的框架為您提供一項經醫務衞生 局認可的償款住院保險產品－「只衛您」標準自願醫 保計劃1（「認可產品」），其保障範圍更伸延至未知 … 「只衛您」 標準自願醫保計劃為您提供標準化的基本 保障，保費較為相宜，加上藍十字的優質服務承諾， 讓 您安心獲得照顧。 What is Voluntary Health Insurance Scheme? ... As one of the participating insurance companies in VHIS, Blue Cross strives to safeguard your well-being by offering CareForYou Standard Plan for VHIS1, an indemnity hospital insurance plan that is certified by the Health Bureau (“Certified Plan”) under the VHIS framework with extended coverage including unknown pre-existing conditions, treatment of congenital conditions, prescribed non-surgical cancer treatments and diagnostic imaging tests. You can also apply for tax deduction for the premiums paid. CareForYou Standard Plan for VHIS CareForYou Standard Plan for VHIS provides standardised basic medical protection at an affordable premium. Coupled with Blue Cross’ renowned guarantee of quality services, you can rest assured that you will be taken care of. ... … 受保期 Period of Insurance 保單續保 Policy Renewal 繳費模式 Payment Mode 冷靜期 Cooling-off Period 認可產品編號 Certification Number of the Certified Plan 標準計劃 Standard Plan 「只衛您」標準自願醫保計劃1 CareForYou Standard Plan for VHIS1 醫療保障保險計劃（實報實銷） Medical protection insurance plan (Reimbursement) HK$420,000 不設上限 No limit 全球16 Worldwide16 無限制 No restriction 無限制 No restriction ... 認可產品設有標準的保單條款及細則、最低保障範圍及保障額，而市場上其他醫療保險產品是由個別保險 公司設定的。以下為認可產品的主要特點： ... 可以。投保認可產品屬自願性質，並不會影響您使用公立醫院服務的權利。 Yes. ... 7. 假如我已經擁有由藍十字承保的個人償款住院保險計劃，我可以轉移至「藍十字自願醫保計劃」嗎？如果 … 致電我們的客戶服務熱線查詢。 Yes. As Blue Cross is registered as one of the VHIS providers, existing policyholders of indemnity hospital insurance plans underwritten by Blue Cross will be provided with one opportunity to migrate to our VHIS-certified plans. Invitation of migration with detailed arrangement (including the relevant underwriting arrangement) has been/ will be (as the case may be) sent to all eligible customers by written notification. For more details, please contact your insurance intermediary or our Customer Service Hotline. ### Result 7 Voluntary Health Insurance Scheme - VHIS Standard Care https://www.msig.com.hk/sites/msig_hk/files/H993_VHIS%20Standard%20Care_Brochure_Nov%202025_2.pdf 自願醫保計劃 - 適健保 Your lifelong hospital insurance 您的終生醫療保障 認可產品類別: 標準計劃 Company Registration Number: 公司註冊編號: 00029 認可產品編號: S00029-01-000-02 自願醫保計劃 - 適健保的主要特點 終生保障 自願醫保計劃 – 適健保提供實際醫療費用及住院雜費之賠償保障，並保證續保至100歲。 不設終生保障限額 自願醫保計劃 – 適健保不設終生保障上限，而自願醫保標準計劃保障限額為每年420,000 港元。 ... 自願醫保計劃 – 適健保涵蓋在醫療診所、日間手術中心或醫院以日症病人身份進行的外科手術。 ... 保障延伸至其他癌症治療，如放射治療、化療、標靶治療、免疫治療及荷爾蒙治療。 稅務扣減 購買認可的自願醫保計劃的投保人及其家屬均可享稅務扣減。每年每名受保人可作稅務扣減的合資格保費上限為8,000港 元，可申請稅務扣減的家屬人數不設上限。 我們提供由食物及衞生局認可之自願醫 保計劃 - 適健保計劃。 自願醫保計劃為您提供全面的醫療保障 選擇，您可選用公營或私營醫療服務，兩 者均可獲得賠償。 自願醫保計劃（下稱「自願醫保」）旨在鼓勵更多人透過醫療保障計劃，使更多人可選用私營醫療服務及藉著此醫療保險為個人提升保障。 此全新計劃為終生醫療保障，讓保單持有人保證續保至100歲，及全面保障一系列的嚴重疾病。 MSIG保險向來重視您的健康。作為其中一間參與自願醫保計劃的保險公司，我們提供各種不同的保障選項，滿足不同客戶的個人需 要。 MSIG保險自願醫保計劃 – 適健保 健康是我們最珍視，並需要盡力地保護；但每當患病，遇到疾病 或醫療併發症時，住院費用及相關手術所須支出往往是其中一 個最大難題。 MSIG保險自願醫保計劃 - 適健保為您提供更多保障 日間手術現金津貼 日間手術現金津貼高達1,000港元，使您無需入院即可進行日間手術護理程序。 第二索償現金津貼保障 如您已向其他保險公司提交索償，及向我們申請餘額索償，您將可享有高達1,000港元之第二索償現金津貼保障。 MSIG保險為您提供額外支援服務 (此為非認可計劃的一部分) 我們承諾致力為您及您的家人提供更優質的服務，故我們於認可計劃以外，特設以下兩項免費的增值服務。 ... 標準保費表 ( 港元) 年齡組別 ( 已屆年齡) # 適健保 年繳 月繳 15 日至6 $3,240 $300 7-17 $2,916 $270 18-30 $4,104 $380 31-40 $4,914 $455 41-50 $6,588 $610 51-60 $9,666 $895 61-70 $16,200 $1,500 71-80 $20,304 $1,880 81-99* $20,952 $1,940 * 只限續保 # 年齡均以上一次生日計算。 此標準保費表並未包括由保險業監管局徵收的保費徵費。 ... Key Benefits of VHIS Standard Care ... The VHIS provides you with greater choices for your care. You can choose to use public or private healthcare services and receive reimbursement from both. If you already have an individual hospital insurance plan with MSIG, you can migrate to VHIS certified plan. Contact us to learn more about your options. ### Result 8 CP_H994_VHIS Prestige Care brochure_2 https://www.msig.com.hk/sites/msig_hk/files/H994_VHIS%20Prestige%20Care_Brochure_Nov%202025_2.pdf 自願醫保計劃 - 優健保 Offers you a range of flexible health insurance plans 給予您一系列靈活的 醫療保障計劃 Company Registration Number: 公司註冊編號：00029 Type of the Certified Plan: Flexi Plan ... 終生保障 自願醫保計劃-優健保提供實際醫療費用及住院雜費之賠償保障，並保證續保至100歲。 不設終生保障限額 自願醫保計劃-優健保不設終生保障上限，而每年保障限額高達1,500,000港元。 21日冷靜期 自願醫保計劃 – 優健保為新投保人提供自保單文件交付日起計21日冷靜期，期間可取消保單，若未曾獲賠償，並可全數取回 已付保費。 三款靈活計劃 自願醫保計劃-優健保提供三款計劃提供不同的保障額，以滿足您的個人需要。 ... MSIG保險向來重視您的健康。作為其中一間參與自願醫保計劃的保險公司，我們除提供食物及衞生局認可的「自願醫保計劃 – 適健 保」，更推出「自願醫保計劃 –優健保」，提供各種不同的保障選項，滿足不同客戶的個人需要。 ... 標準保費表 ( 港元) – 自願醫保計劃 – 優健保 ( 認可計劃) 基本保障 年齡組別( 已屆年齡)^ 計劃 A 計劃 B 計劃 C 年繳 月繳 年繳 月繳 年繳 月繳 15 日 至 6 $5,292 $490 $9,018 $835 $15,282 $1,415 7 – 17 $4,806 $445 ... 81 – 99* $33,210 $3,075 $48,654 $4,505 $70,740 $6,550 基本保障，包括自選附加醫療保障 ( 為認可計劃的一部份) 年齡組別( 已屆年齡)^ 計劃 A 計劃 B 計劃 C 年繳 月繳 年繳 月繳 年繳 月繳 15 日 至 6 $6,804 $630 ... # 女性保障乃危疾保障之附加保障，不可獨立投保。女性保障一經索償，危疾保障之最高保障額將相應遞減。 As one of the insurance companies participating in the scheme, besides to offer VHIS Standard Care Plan certified by the Food and Health Bureau, also provides VHIS Prestige Care Plans with a variety of coverage options to suit your needs. ### Result 9 [PDF] 永明港健康醫療保 https://www.sunlife.com.hk/content/dam/sunlife/legacy/assets/hk/Insurance/Voluntary%20Health%20Insurance%20Scheme/WeHealth/WeHealth%20Brochure_Chi.pdf 永明港健康醫療保 自願醫保認可產品標準計劃 香港永明金融有限公司 （於百慕達註冊成立之有限責任公司） 未雨綢繆 守護無價健康 讓您安枕無憂 健康體魄及安穩生活是人生最大的財富。您需要一個優質的醫療保障，配合快速 理賠的財務支援，守護您身心，讓您安枕無憂。假如公營醫院未能滿足您的需求， 您亦有選擇私營醫療服務的靈活性。 永明金融是您人生旅途上的可靠夥伴，助您實現人生夢想。作為香港特別行政區 政府食物及衞生局認可的自願醫保計劃（「自願醫保」）產品提供者（自願醫保產品 提供者註冊編號：00018），我們誠意推出自願醫保認可產品的標準計劃― 永明港 健康醫療保（自願醫保認可產品編號：S00018-01-000-02）。計劃專為香港居民1 而設，提供終身醫療保障，讓您生活倍添安心。 1 註： 1 包括香港身份證持有人及身份為香港居民的11歲以下兒童。 2 永明港健康醫療保 註： 2 受養人指《稅務條例》 （第112章）所界定的「指明親屬」，惟受制於香港永明金融有限公司（「本公司」或「永明金融」）當其時的核保及 行政規則。有關「指明親屬」的涵義，請參閱稅務局網站。 3 所繳付的合資格保費能否申請稅務扣除須受香港現行稅務法律、保單持有人（作為納稅人）和受保人個別情況所規限，詳情請參閱 稅務局網頁和《稅務條例》 （第112章）。本公司並不提供稅務意見，您應向獨立稅務顧問徵詢稅務意見。 永明港健康醫療保能如何幫助您？ 永明港健康醫療保是一個能為您和您的家人（15 日至80 歲）提供財務保障的個人償款住院保險 計劃。計劃不設終身保障限額、選擇醫療服務提供者與醫院病房級別的限制，並且保證續保至 100歲，讓您輕鬆接受適切的治療。 除了獲得醫療保障，您為自己及每位受養人2投保此計劃所繳付的合資格保費均可申請稅務扣除， 而每位受保人 於每個財政年度的最高扣稅額為港元8,0003。申請扣稅的受養人數目不限，但納稅 人須為保單持有人。這個計劃既可保障您及摯愛，又可得到扣稅優惠，可謂一舉兩得。 主要特點 日間手術增設現金津貼 倍添方便 3. ... 全球保障相宜保費 ... 5. 7x24小時電子理賠服務 更快取得財務支援 3 註： 4 若保單持有人或受保人沒有按要求於投保申請文件中披露受保人的投保前已有病症，而該投保前已有病症在投保前已接受治療或被 確診，或保單持有人或受保人在遞交投保申請文件時已察覺或理應察覺該病症出現的病徵或症狀，本公司有權因而宣告本認可產品 的條款及保障無效，並有權追討已支付的賠償及／或拒絕提供本認可產品的條款及保障的保障。 全球保障相宜保費 不設終身保障限額 永明港健康醫療保的醫療保障經濟實惠，而且不設終身保障限額，讓您可以終身得到無憂保障。為了支持您的康復之路， 計劃會為您因醫療所需的治療，包括住院、手術、日間手術、精神科治療等，提供每個保單年度港元420,000的保障限額。 永明港健康醫療保的保障全球適用（精神科治療除外）。無論您身處何地，您可選擇理想的醫療服務提供者和醫院病房 級別，不設限制。計劃更會為未知的投保前已有病症4提供保障，讓您在患病之時，亦能得到可靠的支援。您可於第2個 保單年度開始享有部分保障，並按年逐漸增加，由第4個保單年度起可獲全面保障，如下表所述： 保單年度 未知的投保前已有病症的保障 首個保單年度 沒有保障 第2個保單年度 按保障限額賠償25% 第3個保單年度 按保障限額賠償50% 第4個保單年度起 按保障限額賠償100% 1. 4 永明港健康醫療保 註： 5 受制於認可產品的條款及保障。 6 詳情請參閱www.sunlife.com.hk/wehealth_ssp 的手術表。 永明港健康醫療保 長遠保障 保證續保至100歲 永明港健康醫療保保證續保至100歲5，不論您的健康狀況有何變化，仍然可以安心面對。續保的保費會根據續保時的歲數 和其保費率而定。 2. 日間手術增設現金津貼 倍添方便 隨著醫療技術日漸進步，現在您毋須住院，亦能於診所、日間手術中心或醫院進行簡單的日間手術6，例如白內障手術、 大腸鏡檢查及胃鏡檢查，方便您接受護理之餘又可減低對日常生活的影響。永明港健康醫療保會為每項日間手術提供 港元1,000現金保障，而且日間手術的賠償次數不設上限。 此外，永明港健康醫療保亦會就您於入院前或出院後／日間手術前後的門診護理提供每個保單年度高達港元3,000賠償。 每次住院／日間手術前最多1次門診或急症診症最高可獲港元580賠償，以及出院／日間手術後90日內最多3次跟進 門診。 ... 若然癌症來襲，永明港健康醫療保會就訂明非手術癌症治療包括放射性治療、化療、標靶治療、免疫治療和荷爾蒙治療 ... 7 有關住院及手術索償程序詳情，請參閱www.sunlife.com.hk/Claims。 ... 簡單易辦。我們獨一無二的電子平台可以加快處理索償，讓您隨時隨地取得財務支援，專注接受治療，儘早康復。 ... 註： 8 任中橫服務和國際緊急支援服務是由第三者服務機構國際救援（亞洲）公司提供。此項保障並非保證續保。有關釋義、完整的條款及 細則和除外責任的詳情，請參閱批註樣本。我們將應您要求提供相關文件。 永明港健康醫療保 永明港健康醫療保 8 永明港健康醫療保 7 參考例子 A 先生（保單持有人）55 歲 A 太太（受保人）48 歲 永明港健康醫療保 每年保障限額：每個保單年度港元420,000 終身保障限額：無 隨著醫療費用日漸攀升，A先生擔心夫婦二人退休後，其積蓄不足以應付太太的醫療開支，希望能以相宜的價錢為太太 購買醫療保障，於是他為太太投保永明港健康醫療保，而A太太在保單開始時身體並無任何異樣。 上述例子只供說明用途。 註： 9 訂明診斷成像檢測設30% 共同保險。 A先生可申請稅務扣除3 A太太確定須住院3天以進行手臂骨折開放復位術連或不連內固定術 （屬大型手術）。 項目 實際費用 永明港健康醫療保 賠償金額 病房及膳食 港元2,400（港元800 x 3） 港元2,250（港元750 x 3） 雜項開支 港元12,000 港元12,000 主診醫生巡房費 港元2,400（港元800 x 3） 港元2,250（港元750 x 3） 外科醫生費 港元30,000 港元25,000 麻醉科醫生費 港元10,000 港元8,750（港元25,000 x 35%） 手術室費 港元28,000 港元8,750（港元25,000 x 35%） 訂明診斷成像檢測 9 - 上肢磁力共振掃描 港元5,800 港元4,060（港元5,800 x 70%） 入院前或出院後／日間手術 前後的門診護理 港元1,650（港元550 x 3） 港元1,650（港元550 x 3） A太太實際費用共花 港元92,250 A太太獲賠償總額 港元64,710 第3個保單年度 A太太不幸從樓梯墜下引致手臂骨折，須住院3天進行手術。 投保永明港健康醫療保 在保單開始時，A太太身體無任何異樣。 保證續保至100歲 第1年 第2年 第3年起 每年繳付保費 港元3,621 港元3,783 只要A先生續保永明 港健康醫療保保單， 即可繼續享有稅務 扣除。 可獲稅務扣除的款額 港元3,621 港元3,783 獲節省的稅款 港元3,621 x 15%* = 港元543 港元3,783 x 15%* = 港元567 *假設A先生的繳稅率為15% 9 主要產品資料 自願醫保認可產品的標準計劃 永明港健康醫療保 醫療保險種類 基本計劃 每年保障限額 每保單年度港元420,000 終身保障限額 無 投保年齡10 15日至80歲 保障年期 保證續保至100 歲5 （請注意，永明金融可於續保時不時更改保障以反映不同的因素，包括但 不限於醫療發展及醫療通脹等。只要永明金融仍是認可的自願醫保產品 提供者，在續保時，這些條款及保障將不會遜於政府屆時標準計劃條款 及保障的最新版本。） 保費繳付期 至100歲 保費繳付模式 年繳／半年繳／月繳 保單貨幣 港元 保費結構 保費金額根據已屆年齡釐定及隨年齡及其他因素改變。保費並非保證及 有可能因反映保單經驗（例如：賠償經驗、醫療通脹及不時的保障改變） 而作出調整。 註： 10 年齡是指受保人的實際年齡。 10 永明港健康醫療保 保障表 保障項目11,12 賠償限額 (a) 病房及膳食 每日港元750 每保單年度最多180日 (b) 雜項開支 每保單年度港元14,000 (c) 主診醫生巡房費 每日港元750 每保單年度最多180日 (d) 專科醫生費13 每保單年度港元4,300 (e) 深切治療 每日港元3,500 每保單年度最多25日 (f) 外科醫生費 每項手術，按手術表劃分的手術分類6： 手術類別 賠償限額（每項手術） 複雜 港元50,000 大型 港元25,000 中型 港元12,500 小型 港元5,000 (g) 麻醉科醫生費 外科醫生費的35%16 (h) 手術室費 外科醫生費的35%16 (i) 訂明診斷成像檢測13,14 每保單年度港元20,000 設30%共同保險 (j) 訂明非手術癌症治療15 每保單年度港元80,000 (k) 入院前或出院後／日間手術前後的 門診護理13 每次港元580，每保單年度港元3,000 • 住院／日間手術前最多1次門診或急症診症 • 出院／日間手術後90日內最多3次跟進門診 (l) 精神科治療 每保單年度港元30,000 其他保障 (1) 因醫療疏忽導致身故或手術保障 身故保障：港元80,000 手術保障：每保單年度港元80,000 (2) 恩恤身故保障 港元10,000 (3) 日間手術現金保障 每項手術港元1,000 其他限額 保障項目(a) – (l) 的每年保障限額 每保單年度港元420,000 保障項目(a) – (l) 的終身保障限額 無 註： 11 同一項目的合資格費用不可獲上述表中多於一個保障項目的賠償。 12 除精神科治療外，所有保障均全球適用。所有保障均不設選擇醫療服務提供者或醫院病房級別選擇的限制。 13 本公司有權要求有關書面建議的證明，例如轉介信或由主診醫生或註冊醫生在索償申請表內提供的陳述。 14 檢測只包括電腦斷層掃描（「CT」掃描）、磁力共振掃描（「MRI」掃描）、正電子放射斷層掃描（「PET」掃描）、PET–CT 組合及 PET–MRI組合。 15 治療只包括放射性治療、化療、標靶治療、免疫治療及荷爾蒙治療。 16 此百分比適用於外科醫生費實際賠償的金額或根據手術分類下外科醫生費的保障限額，以較低者為準。 11 主要產品風險： 1. 本認可產品的保費預期會隨年齡而增加及我們將不時檢視並調整此認可產品的保費以反映過往經驗及修訂將來預算。我們 保留權利於保費繳付期內的每個保障周年日，調整任何風險狀況類似之受保人組別的保費。在檢視保費時，我們會考慮並 反映多項因素，包括但不限於下列因素： a. 本認可產品已作出的賠償開支及將來預算的賠償開支 ; b. 與保單直接及間接相關的開支。 2. 不論本公司在續保時有否修訂本條款及保障，本公司將有權按當時採用的標準保費表向所有同一類別保單調整標準保費。 ... 調整。 ### Result 10 環球優越自願醫保計劃 https://www.vhis.gov.hk/doc/certifiedplan/fp/F00035/F00035-05-000-01-PlanDoc-c.pdf 環球優越自願醫保計劃 本頁內容屬於自願醫保認可產品(編號:F00035)的條款及保障。 ... 用於以下由本公司按自願醫保計劃 （下簡稱「自願醫保」）提供的認可產品 – 認可產品類別：“靈活計劃” 認可產品名稱：環球優越自願醫保計劃 在本條款及保障生效期間，若受保人罹患傷病，本公司必須按本條文賠償合資格費用。 ... 本公司將給予保單持有人六十 (60) 日繳交保費的寬限期，由每期保費到期日起計。本保單於寬限期內仍 然生效，惟在收到保費前，本公司於該期間內不會支付任何賠償，直至保費已獲繳清。若在寬限期屆滿 ... 國進行非急症治療之限制及補充文件二第2 節身體檢查保障外，本條款及保障內所有保障均 全球適用及不受地域因素而被扣減保障之限制。 ... 本條款及保障內所有保障均不設終身保障限額。 ... 5. 分擔費用規定 保單持有人必須支付本條款及保障和保單資料頁內列明的共同保險及/或自付費。為免存疑，共同保險及 自付費並非指在實際費用超出本條款及保障賠償限額的情況下，保單持有人需支付的任何差額。 本頁內容屬於自願醫保認可產品(編號:F00035)的條款及保障。 ... (a) 本補充文件二內的保障適用於受條款及保障連續保障十二(12)個月或以上的受保人。在每個續 保日，保單持有人或受保人可選擇以下保障項目(i) 或 (ii) – … 務之費用。 而非兩者兼有。 (b) 本補充文件二下可獲賠償的所有保障將不需分擔任何自付費。 2. 於香港指定的體檢中心接受免費身體檢查服務 ... 本頁內容屬於自願醫保認可產品 （編號：F00035）的條款及保障。 1 環球優越自願醫保計劃（至臻 - $0 自付費） 保障表 保障地域範圍 全球(1)(2)(3)Perplexity · 想比較能網上投保、保費表和條款容易查閱的香港自願醫保，有哪些品牌值得了解？ in Hong Kong?
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Search query: 想比較能網上投保、保費表和條款容易查閱的香港自願醫保，有哪些品牌值得了解？ in Hong Kong?
Nov 3, 2026, 1:42 AM UTC · Completed
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- #1 「只衛您」標準自願醫保計劃- Super Medical Insurance SeriesSource context · ap.bluecross.com.hk
- #2 CP_H994_VHIS Prestige Care brochure_2Source context · msig.com.hk
- #3 自願醫保計劃Source context · vhis.gov.hk
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# Search Results: 想比較能網上投保、保費表和條款容易查閱的香港自願醫保，有哪些品牌值得了解？ in Hong Kong? Found 10 results. ### Result 1 「只衛您」標準自願醫保計劃- Super Medical Insurance Series https://ap.bluecross.com.hk/shared/leaflets/VHIS_Standard_Brochure.pdf 2026年1月生效 With effect from Jan 2026 「只衛您」標準自願醫保計劃 CareForYou Standard Plan for VHIS 自願醫保計劃認可產品 VHIS Certified Plan 藍十字（亞太）保險有限公司 Blue Cross (Asia–Pacific) Insurance Limited 藍十字（亞太）保險有限公司（「藍十字」）乃友邦保險控股有限公司之子公司，於香港經營保險業務逾 … ... 作為參與自願醫保的保險公司之一，藍十字致力保障您 的健康，透過自願醫保的框架為您提供一項經醫務衞生 局認可的償款住院保險產品－「只衛您」標準自願醫 保計劃1（「認可產品」），其保障範圍更伸延至未知 ... 「只衛您」 標準自願醫保計劃為您提供標準化的基本 保障，保費較為相宜，加上藍十字的優質服務承諾， 讓 您安心獲得照顧。 What is Voluntary Health Insurance Scheme? The Voluntary Health Insurance Scheme (“VHIS”) is a policy initiative implemented by the Health Bureau to regulate certified individual indemnity hospital insurance products. ... As one of the participating insurance companies in VHIS, Blue Cross strives to safeguard your well-being by offering CareForYou Standard Plan for VHIS1, an indemnity hospital insurance plan that is certified by the Health Bureau (“Certified Plan”) under the VHIS framework with extended coverage including unknown pre-existing conditions, treatment of congenital conditions, prescribed non-surgical cancer treatments and diagnostic imaging tests. You can also apply for tax deduction for the premiums paid. CareForYou Standard Plan for VHIS CareForYou Standard Plan for VHIS provides standardised basic medical protection at an affordable premium. ... 「Blue Cross HK」手機應用程式 下載「Blue Cross HK」手機應用程式並登入BlueCross+， 即可享用一站式數碼醫療保險服務，包括隨時隨地遞 ... Pre-assessment Service Simply provide the required information online at least ... “Blue Cross HK” Mobile App Download the “Blue Cross HK” mobile app and log in to BlueCross+ to enjoy one-stop digital medical insurance services. You can submit claims, keep track of claim status and claim history, and check policy details round-the-clock. ... 計劃摘要 Plan Summary 認可產品類別 Type of the Certified Plan 認可產品名稱 Name of the Certified Plan 產品性質 Product Nature 每年保障限額 Annual Benefit Limit 終身保障限額 Lifetime Benefit Limit 保障地域範圍 … 受保期 Period of Insurance 保單續保 Policy Renewal 繳費模式 Payment Mode 冷靜期 Cooling-off Period 認可產品編號 Certification Number of the Certified Plan 標準計劃 Standard Plan 「只衛您」標準自願醫保計劃1 CareForYou Standard Plan for VHIS1 醫療保障保險計劃（實報實銷） Medical protection insurance plan (Reimbursement) HK$420,000 不設上限 No limit 全球16 Worldwide16 無限制 No restriction 無限制 No restriction ... Auto-renewal of policy is subject to the successful collection of premium by Blue Cross. ... 5. 請透過藍十字網站或「Blue Cross HK」手機應用程式登入BlueCross+ 以了解詳情。 For details, please log in to BlueCross+ via Blue Cross website or “Blue Cross HK” mobile app. ... 認可產品設有標準的保單條款及細則、最低保障範圍及保障額，而市場上其他醫療保險產品是由個別保險 公司設定的。以下為認可產品的主要特點： ■ 保證續保至100歲 ■ 不設「終身保障限額」 ■ 設有21日冷靜期 ■ 保費支出可申請稅務扣減 ■ 保障未知的投保前已有病症及於8歲或以後確診的先天性疾病 The Certified Plan provides standardised policy terms and conditions with minimum benefit coverage and benefit amounts, while other medical insurance products in the market are designed by individual insurance companies. ... construed as an offer to sell or a solicitation to buy or a provision of any insurance product outside Hong Kong. 3. 「『只衛您』標準自願醫保計劃」由香港獲授權之保險商 － 藍十字（亞太）保險有限公司承保。 CareForYou Standard Plan for VHIS is underwritten by Blue Cross (Asia-Pacific) Insurance Limited, an authorised insurer in Hong Kong. ### Result 2 CP_H994_VHIS Prestige Care brochure_2 https://www.msig.com.hk/sites/msig_hk/files/H994_VHIS%20Prestige%20Care_Brochure_Nov%202025_2.pdf 自願醫保計劃 - 優健保 Offers you a range of flexible health insurance plans 給予您一系列靈活的 醫療保障計劃 Company Registration Number: 公司註冊編號：00029 Type of the Certified Plan: Flexi Plan 認可產品類別: 靈活計劃 Plan Certification Number: 認可產品編號： F00023-01-000-02 F00023-01-001-02 F00023-02-000-02 F00023-02-001-02 F00023-03-000-02 F00023-03-001-02 自願醫保計劃-優健保的主要特點 終生保障 自願醫保計劃-優健保提供實際醫療費用及住院雜費之賠償保障，並保證續保至100歲。 不設終生保障限額 自願醫保計劃-優健保不設終生保障上限，而每年保障限額高達1,500,000港元。 21日冷靜期 自願醫保計劃 – 優健保為新投保人提供自保單文件交付日起計21日冷靜期，期間可取消保單，若未曾獲賠償，並可全數取回 已付保費。 三款靈活計劃 自願醫保計劃-優健保提供三款計劃提供不同的保障額，以滿足您的個人需要。 保障未知的已有疾病 大部分醫療保險均不保障在投保時未知的已有疾病。在自願醫保計劃 - 優健保下，如投保人在合理情況下並未得知任何病徵 … MSIG保險向來重視您的健康。作為其中一間參與自願醫保計劃的保險公司，我們除提供食物及衞生局認可的「自願醫保計劃 – 適健 保」，更推出「自願醫保計劃 –優健保」，提供各種不同的保障選項，滿足不同客戶的個人需要。 ... ‧ 年齡為18 歲或以上的香港居民 ... ‧ 每保單年度 $500,000 $750,000 $1,500,000 所有保障項目的終身保障限額 ... 標準保費表 ( 港元) – 自願醫保計劃 – 優健保 ( 認可計劃) 基本保障 年齡組別( 已屆年齡)^ 計劃 A 計劃 B 計劃 C 年繳 月繳 年繳 月繳 年繳 月繳 15 日 至 6 $5,292 $490 $9,018 $835 $15,282 $1,415 7 – 17 $4,806 $445 ... $4,505 $70,740 $6,550 基本保障，包括自選附加醫療保障 ( 為認可計劃的一部份) ... 計劃 A 計劃 B 計劃 C ... $3,930 ... $5,750 ... * 只限續保 ^ 以上年齡均以上一次生日計算。 ... 網上索償系統申請索償。 ... Lifelong Protection VHIS Prestige Care offers reimbursement protection for actual medical expenses incurred for hospitalisation and surgical operation, with guaranteed renewal until 100 years of age. ... Standard Premium Schedule (HK$) – VHIS Prestige Care (Certified Plan) Basic Cover Age Groups ... Plan A Plan B Plan C ... Monthly ... 15 days to 6 ... With our claims services hotline, you can now clear your uncertainties in an instant and receive one-on-one advice from our claims experts at +852 2894 0660 (Mon – Fri, 09:00 – 17:30, except public holidays). Also, you can submit your claim through our EASY Claims online platform anytime, anywhere. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. ### Result 3 自願醫保計劃 https://www.vhis.gov.hk/public/data/standard-plans.json { "certified-plans": [ { "plan-name": { "en": "VChoice Voluntary Health Insurance Plan", "zh-hk": "智適簡自願醫療保險計劃", "zh-cn": "智适简自愿医疗保险计划" }, "company-name": { "en": "Bolttech Insurance (Hong Kong) Company Limited", "zh-hk": "保特保險（香港）有限公司", "zh-cn": "保特保险（香港）有限公司" }, "plan-date": { "en": "23 June 2023", … "en": "Standard Plan", "zh-hk": "標準計劃", "zh-cn": "标准计划" }, "currency": "HKD", "plan-doc-url": { "en": "/doc/certifiedplan/sp/S00012/S00012-01-000-03-PlanDoc-e.pdf", … "en": "", "zh-hk": "", "zh-cn": "" }, "renewal-only": "", "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "AIA Voluntary Health Insurance Standard Scheme", "zh-hk": "AIA自願醫保標準計劃", "zh-cn": "AIA自愿医保标准计划" }, "company-name": { "en": "AIA International Limited", "zh-hk": "友邦保險（國際）有限公司", "zh-cn": "友邦保险（国际）有限公司" }, … "en": "AXA WiseGuard Medical Insurance Plan", "zh-hk": "AXA安盛守慧醫療保障", "zh-cn": "AXA安盛守慧医疗保障" }, "company-name": { "en": "AXA China Region Insurance Company (Hong Kong) Limited", … ... "premium": { "en": "Standard Premium", "zh-hk": "標準保費", ... "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "Chubb VHIS - Standard Plan", "zh-hk": "安達自願醫保（標準）計劃", "zh-cn": "安达自愿医保（标准）计划" … }, "has-historical-plan": "Y", "remarks": { "en": "# The insurance company offering this Certified Plan has ceased to maintain its registration as a VHIS Provider from 1 December 2023. Upon the effective date of de-registration, Chubb Life Insurance Hong Kong Limited (Registration No. 00044) has become the VHIS Provider and insurance company of this Certified Plan and its certification number starts with S00044. For the latest product and premium updates of this Certified Plan, please refer to Standard Plan S00044. ", "zh-hk": "#提供本認可產品的保險公司由2023年12月1日起終止註冊為自願醫保的產品提供者。由該撤銷註冊生效日起，安達人壽保險香港有限公司(註冊編號00044)將成為本認可產品的自願醫保的產品提供者及保險公司，其認可產品的編號開首為S00044。 就本認可產品最新的產品及保費詳情，請參閱標準計劃S00044。", "zh-cn": "#提供本认可产品的保险公司由2023年12月1日起终止注册为自愿医保的产品提供者。由该撤销注册生效日起，安达人寿保险香港有限公司(注册编号00044)将成为本认可产品的自愿医保的产品提供者及保险公司，其认可产品的编号开首为S00044。就本认可产品最新的产品及保费详情，请参阅标准计划S00044。" }, "renewal-only": "", "de-reg": "Y", "unavailable": "Y" }, { "plan-name": { "en": "Taiping Voluntary Health Insurance Scheme Standard Plan", "zh-hk": "太平自願醫療標準保險計劃", … ... … "en": "Liberty Insurance Standard VHIS Plan", "zh-hk": "利寶國際自願醫保標準計劃", "zh-cn": "利宝国际自愿医保标准计划" }, "company-name": { "en": "Liberty International Insurance Limited", … }, "premium": { "en": "Standard Premium", "zh-hk": "標準保費", "zh-cn": "标准保费" }, "premium-doc-url": { "en": "/doc/certifiedplan/sp/S00017/S00017-01-000-02-StandardPremium-Bilingual.pdf", … "en": "WeHealth", "zh-hk": "永明港健康醫療保", "zh-cn": "永明港健康医疗保" }, "company-name": { "en": "Sun Life Hong Kong Limited", "zh-hk": "香港永明金融有限公司", … "en": "Dah Sing Insurance ADVANTAGE VHIS Standard Plan", "zh-hk": "大新保險「尚護康」自願醫保標準計劃", "zh-cn": "大新保险「尚护康」自愿医保标准计划" ... "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "Bupa MyBasic VHIS Plan", "zh-hk": "保柏自願醫保計劃", "zh-cn": "保柏自愿医保计划" … "en": "Guard Your Health Medical Insurance Plan", "zh-hk": "衛您健康醫療保險計劃", "zh-cn": "卫您健康医疗保险计划" }, "company-name": { "en": "China Life Insurance (Overseas) Company Limited", "zh-hk": "中國人壽保險（海外）股份有限公司", "zh-cn": "中国人寿保险（海外）股份有限公司" }, "plan-date": { "en": "1 April 2021", "zh-hk": "2021年4月1日", … "zh-cn": "/doc/certifiedplan/sp/S00021/S00021-01-000-02-PlanDoc-c.pdf" ... "premium": { ... "zh-cn": "/doc/certifiedplan/sp/S00021/S00021-Hospital-Definition-c.pdf" }, ... "remarks": { "en": "", "zh-hk": "", "zh-cn": "" }, "renewal-only": "", "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "BOC Life Standard VHIS", "zh-hk": "中銀人壽標準自願醫保", "zh-cn": "中银人寿标准自愿医保" … "en": "Bowtie VHIS Standard", "zh-hk": "保泰自願醫保 - 標準計劃", "zh-cn": "保泰自愿医保 - 标准计划" }, "company-name": { "en": "Bowtie Life Insurance Company Limited", … "en": "HealthSure Voluntary Health Insurance Plan", "zh-hk": "「智選守護」自願醫療保障計劃", "zh-cn": "「智选守护」自愿医疗保障计划" }, "company-name": { "en": "Zurich Insurance Company Ltd", ... "de-reg": "", ... }, { "plan-name": { "en": "TaxVantage Medical Plan", "zh-hk": "「稅」優惠醫療計劃", … "en": "PRUHealth CoreChoice Medical Plan", "zh-hk": "保誠自主醫保計劃", "zh-cn": "保诚自主医保计划" }, "company-name": { "en": "Prudential Hong Kong Limited", "zh-hk": "保誠保險有限公司", ... "en": "''WiseCare'' Medical Insurance Plan", "zh-hk": "「卓康保」醫療保障計劃", ... { "plan-name": { "en": "VHIS Standard Care", "zh-hk": "自願醫保計劃-適健保", "zh-cn": "自愿医保计划-适健保" ... "company-name": { "en": "MSIG Insurance (Hong Kong) Limited", "zh-hk": "三井住友海上火災保險（香港）有限公司", ... "de-reg": "", "unavailable": "" }, { "plan-name": { "en": "Allianz Medical Protect", "zh-hk": "安聯醫療保障", … "remarks": { "en": "#The insurance company offering this Certified Plan has ceased to maintain its registration as a VHIS Provider from 1 July 2022. Upon the effective date of de-registration, only renewals are available for existing policies of this Certified Plan. Also, there will not be further updates of relevant product and premium on this webpage thereafter. Please contact the insurance company for the latest updates of the Certified Plan.", "zh-hk": "#提供本認可產品的保險公司由2022年7月1日起終止註冊為自願醫保的產品提供者。由該撤銷註冊生效日起，本認可產品謹供其現有保單作續保之用，本網頁亦由當日起停止更新其產品及保費資料。就有關認可產品的最新詳情，請聯絡有關保險公司查詢。", ... }, "renewal-only": "", "de-reg": "Y", "unavailable": "Y" }, { "plan-name": { "en": "Cigna VHIS Series - Standard Plan", "zh-hk": "信諾自願醫保系列－標準計劃", … "en": "CareForYou Standard Plan for VHIS", "zh-hk": "「只衛您」標準自願醫保計劃", "zh-cn": "「只卫您」标准自愿医保计划" }, "company-name": { "en": "Blue Cross (Asia-Pacific) Insurance Limited", "zh-hk": "藍十字（亞太）保險有限公司", ... "en": "AXA WiseGuard Medical Insurance Plan", "zh-hk": "AXA安盛守慧醫療保障", ... { "plan-name": { "en": "Manulife Shelter VHIS Standard Plan", "zh-hk": "宏利愛守護自願醫保標準計劃", "zh-cn": "宏利爱守护自愿医保标准计划" … ... "zh-hk": "立安心自願醫保標準計劃", "zh-cn": "立安心自愿医保标准计划" ### Result 4 https://www.vhis.gov.hk/public/data/flexi-plans.csv https://www.vhis.gov.hk/public/data/flexi-plans.csv Upon the effective date of de-registration, only renewals are available for existin g policies of this Certified Plan. Also, there will not be further updates of relevant product and premium on this webpage thereafter. Please contact the insurance company for the latest updates of the Certified Plan.","#提供本認可產品的保險公司由2022年7月1日起終止註冊為自願醫保的產品提供者。由該撤銷註冊生效日起，本認可產品謹供其現有保單作續保之用，本網頁亦由當日起停止更新其產品及保費資料。就有關認可產品的最新詳情，請聯絡有關保險公司查詢。","#提供本认可产品的保险公司由2022年7月1日起终止注册为自愿医保的产品提供者。由该撤销注册生效日起，本认可产品谨供其现有保单作续保之用，本网页亦由当日起停止更新其产品及保费资料。就有关认可产品的最新详情，请联络有关保险公司查询。" "Allianz Ultra Medical Protect","安聯特級醫療保障","安联特级医疗保障"," ... "Allianz Ultra Medical Protect","安聯特級醫療保障","安联特级医疗保障","Allianz Global Corporate & Specialty SE","Allianz Global Corporate & Specialty SE","Allianz Global Corporate & Specialty SE","1 April 2021","2021 … /certifiedplan/fp/F00059/F00059-01-000-01-StandardPremium-Bilingual.pdf",,,"" "Blue Cross Dynasty VHIS Plan","藍十字尊悅自願醫保計劃","蓝十字尊悦自愿医保计划","Blue Cross (Asia-Pacific) Insurance Limited","藍十字（亞太）保險有限公司","蓝十字（亚太）保险有限公司","1 January 2026","2026年1月1日","2026年1月1日","F00059-02-000-01","HKD20,000 Deductible (Asia & Australia-New Zealand)","20,000 港元自付費 (亞洲及澳紐)","20,000 港元自付费 (亚洲及澳纽)","/doc/certifiedplan/fp/F00059/F00059-02-000-01-PlanDoc-e.pdf","/doc/certifiedplan/fp/F00059/F00059-02-000-01-PlanDoc-c.pdf","/doc/certifi … ,"Standard Premium","標準保費","标准保费","/doc/certifiedplan/fp/F00073/F00073-07-000-01-StandardPremium-Bilingual.pdf","/doc/certifiedplan/fp/F00073/F00073-07-000-01-StandardPremium-Bilingual.pdf","/doc/certifiedplan/fp/F00073/F00073-07-000-01-StandardPremium-Bilingual.pdf",,,"" "Blue Cross Love Yourself VHIS Plan","藍十字「愛自己」自願醫保計劃","蓝十字「爱自己」自愿医保计划","Blue Cross (Asia-Pacific) Insurance Limited","藍十字（亞太）保險有限公司","蓝十字（亚太）保险有限公司","1 January 2026","2026年1月1日","2026年1月1日","F00073-08-000-01","HKD80,000 Deductible (Worldwi … f","/doc/certifiedplan/fp/F00057/F00057-04-000-02-PlanDoc-c.pdf","Standard Premium","標準保費","标准保费","/doc/certifiedplan/fp/F00057/F00057-04-000-02-StandardPremium-Bilingual.pdf","/doc/certifiedplan/fp/F00057/F00057-04-000-02-StandardPremium-Bilingual.pdf","/doc/certifiedplan/fp/F00057/F00057-04-000-02-StandardPremium-Bilingual.pdf",,,"" "VFlexi Voluntary Health Insurance Plan","智適選自願醫療保險計劃","智适选自愿医疗保险计划","Bolttech Insurance (Hong Kong) Company Limited","保特保險（香港）有限公司","保特保险（香港）有限公司","1 May 2025","2025年5月1日","2 … "标准保费","/doc/certifiedplan/fp/F00040/F00040-20-000-02-StandardPremium-Bilingual.pdf","/doc/certifiedplan/fp/F00040/F00040-20-000-02-StandardPremium-Bilingual.pdf","/doc/certifiedplan/fp/F00040/F00040-20-000-02-StandardPremium-Bilingual.pdf",,,"" "Bupa Hero VHIS Plan","保柏非凡自願醫保計劃","保柏非凡自愿医保计划","Bupa (Asia) Limited","保柏（亞洲）有限公司","保柏（亚洲）有限公司","2 March 2026","2026年3月2日","2026年3月2日","F00040-21-000-02","Core Pro (HKD0 Deductible)","倍精選（0 港元自付費）","倍精选（0 港元自付费）","/doc/certifiedplan/fp/F00040/F00040-21-000-02-PlanDo … ","/doc/certifiedplan/fp/F00075/F00075-03-000-02-StandardPremium-Bilingual.pdf","/doc/certifiedplan/fp/F00075/F00075-03-000-02-StandardPremium-Bilingual.pdf",,,"" "Chubb VHIS - Prime Plan","安達自願醫保（優裕）計劃","安达自愿医保（优裕）计划","Chubb Life Insurance Hong Kong Limited","安達人壽保險香港有限公司","安达人寿保险香港有限公司","1 October 2026","2026年10月1日","2026年10月1日","F00075-04-000-02","HKD100,000 Deductible (Asia)","100,000 港元自付費 (亞洲)","100,000 港元自付费 (亚洲)","/doc/certifiedplan/fp/F00075/F00075-04-000-02-PlanDoc-e.pdf","/doc/certifiedplan/fp/F0 … 00-02-StandardPremium-Bilingual.pdf","/doc/certifiedplan/fp/F00055/F00055-01-000-02-StandardPremium-Bilingual.pdf","(For renewal of existing policies only)","(只供現有保單續保)","(只供现有保单续保)" "VHIS Series - Flexi Plan (Superior)","自願醫保系列－靈活計劃（優越）","自愿医保系列－灵活计划（优越）","Chubb Life Insurance Hong Kong Limited","安達人壽保險香港有限公司","安达人寿保险香港有限公司","1 November 2022","2022年11月1日","2022年11月1日","F00056-01-000-03","Semi-Private Room - HKD0 Deductible","半私家病房 - 0 港元自付費","半私家病房 - 0 港元自付费","/doc/certifiedplan/fp/F00056/F00056-01-000-03- … 活计划（优越）","Chubb Life Insurance Hong Kong Limited","安達人壽保險香港有限公司","安达人寿保险香港有限公司","1 November 2022","2022年11月1日","2022年11月1日","F00056-07-000-02","Standard Ward - HKD15,000 Deductible","普通病房 - 15,000 港元自付費","普通病房 - 15,000 港元自付费","/doc/certifiedplan/fp/F00056/F00056-07-000-02-PlanDoc-e.pdf","/doc/certifiedplan/fp/F00056/F00056-07-000-02-PlanDoc-c.pdf","/doc/certifiedplan/fp/F00056/F00056-07-000-02-PlanDoc-c.pdf","Standard Premium","標準保費","标准保费","/doc/certifiedplan/fp/F00056/F00056-07-000-02-StandardPremium-Bili ngual.pdf","/doc/certifiedplan/fp/F00056/F00056-07-000-02-StandardPremium-Bilingual.pdf","/doc/certifiedplan/fp/F00056/F00056-07-000-02-StandardPremium-Bilingual.pdf","(For renewal of existing policies only)","(只供現有保單續保)","(只供现有保单续保)" "VHIS Series - Flexi Plan (Superior)","自願醫保系列－靈活計劃（優越）","自愿医保系列－灵活计划（优越）","Chubb Life Insurance Hong Kong Limited","安達人壽保險香港有限公司","安达人寿保险香港有限公司","1 November 2022","2022年11月1日","2022年11月1日","F00056-08-000-02","Standard Ward - HKD25,000 Deductible","普通病房 - 25,000 港元自付費","普通病房 - … ngual.pdf","/doc/certifiedplan/fp/F00076/F00076-04-000-02-StandardPremium-Bilingual.pdf",,,"" "Vital Care Voluntary Health Insurance Flexi Plan","「愛 ‧ 護航」自願醫保靈活計劃","「爱 ‧ 护航」自愿医保灵活计划","HSBC Life (International) Limited","滙豐人壽保險（國際）有限公司","汇丰人寿保险（国际）有限公司","22 September 2025","2025年9月22日","2025年9月22日","F00076-05-000-02","Silver level (HKD0 Deductible)","銀級（0港元自付費）","银级（0港元自付费）","/doc/certifiedplan/fp/F00076/F00076-05-000-02-PlanDoc-e.pdf","/doc/certifiedplan/fp/F00076/F00076-05-000-02-PlanDoc-c.pdf","/doc/certi … lingual.pdf","/doc/certifiedplan/fp/F00076/F00076-15-000-02-StandardPremium-Bilingual.pdf","/doc/certifiedplan/fp/F00076/F00076-15-000-02-StandardPremium-Bilingual.pdf",,,"" "Vital Care Voluntary Health Insurance Flexi Plan","「愛 ‧ 護航」自願醫保靈活計劃","「爱 ‧ 护航」自愿医保灵活计划","HSBC Life (International) Limited","滙豐人壽保險（國際）有限公司","汇丰人寿保险（国际）有限公司","22 September 2025","2025年9月22日","2025年9月22日","F00076-16-000-02","Diamond level (HKD100,000 Deductible)","鑽級（100,000港元自付費）","钻级（100,000港元自付费）","/doc/certifiedplan/fp/F00076/F00076 … rich Insurance Company Ltd","蘇黎世保險有限公司","苏黎世保险有限公司","19 March 2021","2021年3月19日","2021年3月19日","F00036-04-000-02","HKD150,000 Deductible (Asia)","150,000 港元自付費 (亞洲)","150,000 港元自付费 (亚洲)","/doc/certifiedplan/fp/F00036/F00036-04-000-02-PlanDoc-e.pdf","/doc/certifiedplan/fp/F00036/F00036-04-000-02-PlanDoc-c.pdf","/doc/certifiedplan/fp/F00036/F00036-04-000-02-PlanDoc-c.pdf","Standard Premium","標準保費","标准保费","/doc/certifiedplan/fp/F00036/F00036-04-000-02-StandardPremium-e.pdf","/doc/certifiedplan/fp/F00036/F00036- ... "HealthFlexi Plus Voluntary Health Insurance Plan","「智選無憂+」自願醫療保障計劃","「智选无忧+」自愿医疗保障计划","Zurich Insurance Company Ltd","蘇黎世保險有限公司","苏黎世保险有限公司","19 March 2021","2021年3月19日","2021年3月19日","F00036-07-000-02","HKD90,000 Deductible (Worldwide excluding the U.S.)","90,000 港元自付費 (環球但不包括美國)","90,000 港元自付费 (环球但不包括美国)","/doc/certifiedplan/fp/F00036/F00036-07-000-02-PlanDoc-e.pdf","/doc/certifiedplan/fp/F00036/F00036-07-000-02-PlanDoc-c.pdf","/doc/certifiedplan/fp/F00036/F00036 ### Result 5 Standard Premium Schedule 標準保費表 https://www.vhis.gov.hk/doc/certifiedplan/hfp/F00057/F00057-03-000-01-001-StandardPremium-Bilingual.pdf 計劃名稱 Plan Type 計劃類別 VHIS Certification No. 自願醫保認可編號 Premium Payment Mode 保費繳付方式 Annual 年繳 Monthly 月繳 Annual 年繳 Monthly 月繳 Annual 年繳 Monthly 月繳 Age 年齡 Age 年齡 Age 年齡 0 (15 days after birth 出生後15日) 7,542.00 656.15 60 43,985.00 3,826.70 70 98,138.00 8,538.01 1 7,542.00 656.15 61 46,422.00 4,038.71 71 99,816.00 8,683.99 2 7,542.00 656.15 62 48,990.00 4,262.13 72 102,496.00 8,917.15 3 7,542.00 656.15 63 51,692.00 4,497.20 73 105,614.00 9,188.42 4 7,542.00 656.15 64 54,528.00 4,743.94 74 108,812.00 9,466.64 5 7,542.00 656.15 65 57,509.00 5,003.28 75 112,098.00 9,752.53 6 5,813.00 505.73 66 60,708.00 5,281.60 76 112,878.00 9,820.39 7 5,834.00 507.56 67 64,067.00 5,573.83 77 113,650.00 9,887.55 8 5,857.00 509.56 68 67,583.00 5,879.72 78 114,412.00 9,953.84 9 5,878.00 511.39 69 71,262.00 6,199.79 79 115,166.00 10,019.44 10 5,901.00 513.39 70 * 73,604.00 6,403.55 80 115,912.00 10,084.34 11 5,922.00 515.21 71 * 74,862.00 6,512.99 81 * 115,912.00 10,084.34 12 5,945.00 517.22 72 * 76,872.00 6,687.86 82 * 115,912.00 10,084.34 13 5,967.00 519.13 73 * 79,211.00 6,891.36 83 * 115,912.00 10,084.34 14 5,989.00 521.04 74 * 81,609.00 7,099.98 84 * 115,912.00 10,084.34 15 6,012.00 523.04 75 * 84,074.00 7,314.44 85 * 115,912.00 10,084.34 16 6,033.00 524.87 76 * 84,659.00 7,365.33 86 * 115,912.00 10,084.34 17 6,055.00 526.79 77 * 85,238.00 7,415.71 87 * 115,912.00 10,084.34 18 6,064.00 527.57 78 * 85,809.00 7,465.38 88 * 115,912.00 10,084.34 19 6,096.00 530.35 79 * 86,375.00 7,514.63 89 * 115,912.00 10,084.34 20 6,128.00 533.14 80 * 86,934.00 7,563.26 90 * 115,912.00 10,084.34 21 6,162.00 536.09 81 * 86,934.00 7,563.26 91 * 115,912.00 10,084.34 22 6,196.00 539.05 82 * 86,934.00 7,563.26 92 * 115,912.00 10,084.34 23 6,559.00 570.63 83 * 86,934.00 7,563.26 93 * 115,912.00 10,084.34 24 6,561.00 570.81 84 * 86,934.00 7,563.26 94 * 115,912.00 10,084.34 25 6,673.00 580.55 85 * 86,934.00 7,563.26 95 * 115,912.00 10,084.34 Standard Premium Schedule 標準保費表 SmartViva Flexi VHIS (HKD30,000 Deductible) 非凡守護靈活自願醫保 (30,000港元自付費) Basic Plan 基本計劃 F00057-03-000-01 For Insured Person from Age 0 to 59 years at Policy commencement 只適用於保單生效時年齡介乎0至59歲之受保人 For Insured Person from Age 60 to 69 years at Policy commencement 只適用於保單生效時年齡介乎60至69歲之受保人 For Insured Person from Age 70 to 80 years at Policy commencement 只適用於保單生效時年齡介乎70至80歲之受保人 Plan Name 計劃名稱 Plan Type 計劃類別 VHIS Certification No. 自願醫保認可編號 Premium Payment Mode 保費繳付方式 Annual 年繳 Monthly 月繳 Annual 年繳 Monthly 月繳 Annual 年繳 Monthly 月繳 Age 年齡 Age 年齡 Age 年齡 Standard Premium Schedule 標準保費表 SmartViva Flexi VHIS (HKD30,000 Deductible) 非凡守護靈活自願醫保 (30,000港元自付費) Basic Plan 基本計劃 F00057-03-000-01 For Insured Person from Age 0 to 59 years at Policy commencement 只適用於保單生效時年齡介乎0至59歲之受保人 For Insured Person from Age 60 to 69 years at Policy commencement 只適用於保單生效時年齡介乎60至69歲之受保人 For Insured Person from Age 70 to 80 years at Policy commencement 只適用於保單生效時年齡介乎70至80歲之受保人 26 6,777.00 589.60 86 * 86,934.00 7,563.26 96 * 115,912.00 10,084.34 27 6,930.00 602.91 87 * 86,934.00 7,563.26 97 * 115,912.00 10,084.34 28 7,080.00 615.96 88 * 86,934.00 7,563.26 98 * 115,912.00 10,084.34 29 7,222.00 628.31 89 * 86,934.00 7,563.26 99+ * 115,912.00 10,084.34 30 7,503.00 652.76 90 * 86,934.00 7,563.26 31 7,634.00 664.16 91 * 86,934.00 7,563.26 32 8,002.00 696.17 92 * 86,934.00 7,563.26 33 8,390.00 729.93 93 * 86,934.00 7,563.26 34 8,798.00 765.43 94 * 86,934.00 7,563.26 35 9,226.00 802.66 95 * 86,934.00 7,563.26 36 9,462.00 823.19 96 * 86,934.00 7,563.26 37 9,705.00 844.34 97 * 86,934.00 7,563.26 38 9,957.00 866.26 98 * 86,934.00 7,563.26 39 10,217.00 888.88 99+ * 86,934.00 7,563.26 40 10,488.00 912.46 41 10,994.00 956.48 42 11,529.00 1,003.02 43 12,092.00 1,052.00 44 12,684.00 1,103.51 45 13,310.00 1,157.97 46 14,030.00 1,220.61 47 14,795.00 1,287.17 48 15,603.00 1,357.46 49 16,458.00 1,431.85 50 17,367.00 1,510.93 51 18,217.00 1,584.88 Plan Name 計劃名稱 Plan Type 計劃類別 VHIS Certification No. 自願醫保認可編號 Premium Payment Mode 保費繳付方式 Annual 年繳 Monthly 月繳 Annual 年繳 Monthly 月繳 Annual 年繳 Monthly 月繳 Age 年齡 Age 年齡 Age 年齡 Standard Premium Schedule 標準保費表 SmartViva Flexi VHIS (HKD30,000 Deductible) 非凡守護靈活自願醫保 (30,000港元自付費) Basic Plan 基本計劃 F00057-03-000-01 For Insured Person from Age 0 to 59 years at ... For Insured Person from Age 60 to 69 years at Policy commencement 只適用於保單生效時年齡介乎60至69歲之受保人 For Insured Person from Age 70 to 80 years at Policy commencement ... 52 ... 1,662.92 53 20,058.00 1,745.05 54 21,051.00 1,831.44 55 22,096.00 1,922.35 56 23,381.00 2,034.15 57 24,744.00 2,152.73 58 26,185.00 2,278.10 59 27,711.00 2,410.86 60 * 29,323.00 2,551.10 61 * 30,948.00 2,692.48 62 * 32,660.00 2,841.42 63 * 34,461.00 2,998.11 64 * 36,352.00 3,162.62 65 * 38,339.00 3,335.49 66 * 40,472.00 3,521.06 67 * 42,711.00 3,715.86 68 * 45,055.00 3,919.79 69 * 47,508.00 4,133.20 70 * 49,069.00 4,269.00 71 * 49,908.00 4,342.00 72 * 51,248.00 4,458.58 73 * 52,807.00 4,594.21 74 * ... Plan Name 計劃名稱 Plan Type 計劃類別 VHIS Certification No. 自願醫保認可編號 Premium Payment Mode 保費繳付方式 Annual ### Result 6 Your lifelong hospital insurance - msig.com.hk https://www.msig.com.hk/sites/msig_hk/files/H993_VHIS%20Standard%20Care_Brochure_Nov%202025_3.pdf 自願醫保計劃 - 適健保 Your lifelong hospital insurance 您的終生醫療保障 認可產品類別: 標準計劃 Company Registration Number: 公司註冊編號: 00029 認可產品編號: S00029-01-000-02 自願醫保計劃 - 適健保的主要特點 終生保障 自願醫保計劃 – 適健保提供實際醫療費用及住院雜費之賠償保障，並保證續保至100歲。 不設終生保障限額 自願醫保計劃 – 適健保不設終生保障上限，而自願醫保標準計劃保障限額為每年420,000 港元。 21日冷靜期 自願醫保計劃 – 適健保為新投保人提供自保單文件交付日起計21日冷靜期，期間可取消保單，若未曾獲賠償，並可全數取回 已付保費。 保障未知的已有疾病 大部分醫療保險均不保障在投保時未知的已有疾病。在自願醫保計劃 – 適健保，如投保人在合理情況下並未得知任何病徵或 症狀自保單生效起首三年等候期內獲得部分保障 (即第一年不獲賠償、第二年可獲25% 賠償、第三年可獲50% 賠償)，並由第 … 非手術癌症治療保障 保障延伸至其他癌症治療，如放射治療、化療、標靶治療、免疫治療及荷爾蒙治療。 稅務扣減 購買認可的自願醫保計劃的投保人及其家屬均可享稅務扣減。每年每名受保人可作稅務扣減的合資格保費上限為8,000港 元，可申請稅務扣減的家屬人數不設上限。 我們提供由食物及衞生局認可之自願醫 保計劃 - 適健保計劃。 自願醫保計劃為您提供全面的醫療保障 選擇，您可選用公營或私營醫療服務，兩 者均可獲得賠償。 自願醫保計劃（下稱「自願醫保」）旨在鼓勵更多人透過醫療保障計劃，使更多人可選用私營醫療服務及藉著此醫療保險為個人提升保障。 此全新計劃為終生醫療保障，讓保單持有人保證續保至100歲，及全面保障一系列的嚴重疾病。 MSIG保險向來重視您的健康。作為其中一間參與自願醫保計劃的保險公司，我們提供各種不同的保障選項，滿足不同客戶的個人需 要。 MSIG保險自願醫保計劃 – 適健保 健康是我們最珍視，並需要盡力地保護；但每當患病，遇到疾病 或醫療併發症時，住院費用及相關手術所須支出往往是其中一 個最大難題。 MSIG保險自願醫保計劃 - 適健保為您提供更多保障 日間手術現金津貼 日間手術現金津貼高達1,000港元，使您無需入院即可進行日間手術護理程序。 第二索償現金津貼保障 如您已向其他保險公司提交索償，及向我們申請餘額索償，您將可享有高達1,000港元之第二索償現金津貼保障。 MSIG保險為您提供額外支援服務 (此為非認可計劃的一部分) 我們承諾致力為您及您的家人提供更優質的服務，故我們於認可計劃以外，特設以下兩項免費的增值服務。 24 小時國際支援服務 無論您處於世界任何地方，24 小時國際支援服務熱線，都可助您解決燃眉之急。 全球入院付款保證 於私家醫院入院時，您都無需即時付款，合資格的賬單可於出院時再結算，讓您可專注靜心休養。 投保資格 申請人: • 年齡為18 歲或以上的香港居民 受保人首次投保年齡 • 申請人: 年齡介乎於18 歲至80 歲 • 申請人的合法配偶、父母、配偶之父母: 年齡至80 歲 • 申請人的未婚子女: 出生滿15 天至17 歲，或未滿23 歲而正接受全日制教育 的子女 續保年齡限制 • 保證續保至100 歲 備註: 以上一次生日計算。 主要不承保項目 1. 申請人於保單簽發日期或保單生效日期已知但於投保時並未向本公司申報有關已有病症。 2. 例行體格檢查及預防注射。 3. 整容手術 (惟受保人因意外而受傷，並於意外後90 日內接受的必要醫療服務除外) 。 4. 眼部屈光治療、角膜激光矯視手術 (LASIK) ，以及任何相關的檢測、治療程序及服務。 5. 牙科醫生進行的牙科治療及口腔頜面手術 (惟因意外引致在住院期間接受的急症治療及手術除外)。 6. 懷孕或生育、不孕、節育及絕育。 7. 於受保人年屆8 歲前發病或確診的先天性疾病。 8. 入院進行本可採用門診方式進行之治療，如住院只為接受診斷掃描、X光檢查或物理治療。 重要事項: 1. 起保日期：投保申請獲批核的下一個月的首天。 2. 保障於投保申請獲接納及繳付保費後始行生效。 3. 認可計劃下的保障及其保單條款及細則會跟據政府為自願醫保計劃的定期審視內容而作出修訂。 4. 標準保費表內之保費可能會於續保時作出修訂，並由三井住友海上火災保險(香港)有限公司釐定。 5. 本小冊子僅為保單摘要，有關的詳細的保障內容、不承保項目、條款及細則，請參閱正式保單，如有需要，本公司樂意送上保單樣本，以供參考。 保障限額表 ( 港元) 保障項目 (1) ( 港元) 適健保 (a) 病房及膳食 • 每日 $750 每保單年度最多180 日 (b) ... • 每保單年度 $14,000 (c) ... • 每保單年度 $420,000 ... 標準保費表 ( 港元) 年齡組別 ( 已屆年齡) # 適健保 年繳 月繳 15 日至6 $3,240 $300 7-17 $2,916 $270 18-30 $4,104 $380 31-40 $4,914 $455 41-50 $6,588 $610 51-60 $9,666 $895 61-70 $16,200 $1,500 71-80 $20,304 $1,880 81-99* $20,952 $1,940 * 只限續保 # 年齡均以上一次生日計算。 此標準保費表並未包括由保險業監管局徵收的保費徵費。 貼心的保障及理賠服務 我們明白意料之外的事情往往令人憂慮不安，因此特設「賠償服務熱線」，由理賠專員 即時為您解答各項查詢，提供最適切的保障及賠償建議，解除您所面對的徬徨和焦慮。 賠償服務熱線：+852 2894 0660 （星期一至五，上午9時至下午5時30分 ，公眾假期除外） 您亦可隨時隨地，透過EASY 網上索償系統申請索償。 有關保障範圍及承保條款，請參閱保單。 如果本小冊子的中、英文版本有任何衝突或者不符，應以英文版本為準。 Key Benefits of VHIS Standard Care Lifelong Protection VHIS Standard Care offers reimbursement protection for actual medical expenses incurred and hospitalisation cover, and surgical operation, with guaranteed renewal until 100 years of age. No Lifetime Benefit Limit Under the VHIS Standard Care, there is no cap on the total number of claims you can make in a lifetime. The maximum annual benefit limit under the VHIS Standard Care is HK$420,000. ... The VHIS Standard Care offers new policyholders a cooling-off period of 21 days following the day of delivery of policy documents. ... We offer Standard Plan certified by the Food and Health Bureau (Certified Plan). ... You can choose to use public or private healthcare services and receive reimbursement from both. If you already have an individual hospital insurance plan with MSIG, you can migrate to VHIS certified plan. ... 2. Cover does not begin until application has been accepted and premium received. ... 4. Premium of Standard Premium Schedule may be adjusted at renewal at the discretion of MSIG lnsurance (Hong Kong) Limited. ... This Brochure is only a summary of the coverage. For details of coverage, exclusion, terms and conditions, please refer to the policy wording. Table of Benefits (HK$) Benefit items (1) (HK$) Standard Care ... Standard Premium Schedule (HK$) Age Groups (Attained Age) # Standard Care Annual Monthly 15 days to 6 $3,240 $300 7-17 $2,916 $270 18-30 $4,104 $380 31-40 $4,914 $455 41-50 $6,588 $610 51-60 $9,666 $895 61-70 $16,200 $1,500 71-80 $20,304 $1,880 81-99* $20,952 $1,940 *For renewal only #According to the last birthday. This Standard Premium Schedule does not include levy which is collected by the Insurance Authority. ... With our claims services hotline, you can now clear your uncertainties in an instant and receive one-on-one advice from our claims experts at +852 2894 0660 (Mon – Fri, 09:00 – 17:30, except public holidays). Also, you can submit your claim through our EASY Claims online platform anytime, anywhere. For details of coverage, terms, conditions, and exclusions, please refer to the policy wording. H993(GL/01-25) ### Result 7 Bupa Medical Insurance Plans | Voluntary Health Medical Insurance... https://www.bupa.com.hk/-/ Bupa Medical Insurance Plans | Voluntary Health Medical Insurance VHIS | Bupa Hong Kong ... There are so many types of insurance products in the market. Before purchasing, you must first understand what protection you really need, and clearly understand the terms and coverage of the plan. ... Electronic services Use our Bupa HK mobile app to manage your policy and your health with ease! ... Premiums as low as Product brochure and premium table ... Bupa MyBasic VHIS Apply online A VHIS standard plan with an annual benefit limit of HK$420,000, offering basic inpatient coverage Premiums as low as HK$161/Month View Bupa MyBasic VHIS Apply online A VHIS standard plan with an annual benefit limit of HK$420,000, offering basic inpatient coverage Premiums as low as HK$161/Month View ... Apply online ... Bupa Safe Critical Illness Apply online Covers up to 85 critical illnesses and provides up to 3 lump sum payments ... Bupa MyFlexi VHIS Apply online Multiple plan options with flexibility to add Full Cover and SMM Benefits up to a total of HK$1.71 million annually Premiums as low as HK$271/Month View ... ## I want my expenses to be reimbursed… Cashlessly with a medical card, while enjoying full cover and supplementary major medical benefit Through pay-and-claim procedure Bupa MyFlexi VHIS Apply online Multiple plan options with flexibility to add Full Cover and SMM Benefits up to a total of HK$1.71 million annually Premiums as low as HK$271/Month View You may also be interested in: ### Result 8 保柏（亞洲）有限公司Bupa (Asia) Limited 保柏自願醫保計劃 ... https://www.vhis.gov.hk/doc/certifiedplan/hsp/S00020/S00020-01-000-02-003-StandardPremium-Bilingual.pdf 保柏自願醫保計劃 Bupa MyBasic VHIS Plan 標準保費表 Standard Premium Schedule - 港元 HKD 實際年齡 Attained Age 年繳 Annual (只適用於保單生效時年齡介乎0至59歲之受保人 For Insured Persons from age 0 to 59 years at Policy commencement) 實際年齡 Attained Age 年繳 Annual 實際年齡 Attained Age 月繳 Monthly 實際年齡 Attained Age 月繳 Monthly 3,668.00 0 6,949.00 50 330.00 0 625.00 50 3,668.00 1 7,279.00 51 330.00 1 655.00 51 3,668.00 2 7,628.00 52 330.00 2 687.00 52 3,668.00 3 7,994.00 53 330.00 3 719.00 53 3,668.00 4 8,380.00 54 330.00 4 754.00 54 2,596.00 5 8,784.00 55 234.00 5 791.00 55 2,596.00 6 9,206.00 56 234.00 6 829.00 56 2,596.00 7 9,647.00 57 234.00 7 868.00 57 2,596.00 8 10,104.00 58 234.00 8 909.00 58 2,596.00 9 10,580.00 59 234.00 9 952.00 59 2,596.00 10 11,070.00 60* 234.00 10 996.00 60* 2,596.00 11 11,577.00 61* 234.00 11 1,042.00 61* 2,596.00 12 12,095.00 62* 234.00 12 1,089.00 62* 2,596.00 13 12,624.00 63* 234.00 13 1,136.00 63* 2,596.00 14 13,161.00 64* 234.00 14 1,184.00 64* 2,596.00 15 13,704.00 65* 234.00 15 1,233.00 65* 2,596.00 16 14,251.00 66* 234.00 16 1,283.00 66* 2,596.00 17 14,795.00 67* 234.00 17 1,332.00 67* 1,926.00 18 15,334.00 68* 173.00 18 1,380.00 68* 1,959.00 19 15,863.00 69* 176.00 19 1,428.00 69* 1,998.00 20 16,378.00 70* 180.00 20 1,474.00 70* 2,038.00 21 16,873.00 71* 183.00 21 1,519.00 71* 2,079.00 22 17,340.00 72* 187.00 22 1,561.00 72* 2,142.00 23 17,776.00 73* 193.00 23 1,600.00 73* 2,184.00 24 18,171.00 74* 197.00 24 1,635.00 74* 2,228.00 25 18,519.00 75* 201.00 25 1,667.00 75* 2,272.00 26 18,809.00 76* 204.00 26 1,693.00 76* 2,318.00 27 19,036.00 77* 209.00 27 1,713.00 77* 2,411.00 28 19,187.00 78* 217.00 28 1,727.00 78* 2,507.00 29 19,253.00 79* 226.00 29 1,733.00 79* 2,529.00 30 19,350.00 80* 228.00 30 1,742.00 80* 2,548.00 31 19,350.00 81* 229.00 31 1,742.00 81* 2,703.00 32 19,350.00 82* 243.00 ... 98* 570.00 48 1,742.00 98* 6,634.00 49 19,350.00 99* 597.00 49 1,742.00 99* *只適用於續保。 *For renewal only. Page 1 of 4 保柏（亞洲）有限公司 Bupa (Asia) Limited 保柏自願醫保計劃 Bupa MyBasic VHIS Plan 標準保費表 Standard Premium Schedule - 港元 HKD 實際年齡 Attained Age 年繳 Annual (只適用於保單生效時年齡介乎60至69歲之受保人 For Insured Persons from age 60 to 69 years at Policy commencement) 實際年齡 Attained Age 年繳 Annual 實際年齡 Attained Age 月繳 Monthly 實際年齡 Attained Age 月繳 Monthly 16,605.00 60 29,025.00 80* 1,494.00 60 2,613.00 80* 17,366.00 61 29,025.00 81* 1,563.00 61 2,613.00 81* 18,143.00 62 29,025.00 82* 1,634.00 62 2,613.00 82* 18,936.00 63 29,025.00 83* 1,704.00 63 2,613.00 83* 19,742.00 64 29,025.00 84* 1,776.00 64 2,613.00 84* 20,556.00 65 29,025.00 85* 1,850.00 65 2,613.00 85* 21,377.00 66 29,025.00 86* 1,925.00 66 2,613.00 86* 22,193.00 67 29,025.00 87* 1,998.00 67 2,613.00 87* 23,001.00 68 29,025.00 88* 2,070.00 68 2,613.00 88* 23,795.00 69 29,025.00 89* 2,142.00 69 2,613.00 89* 24,567.00 70* 29,025.00 90* 2,211.00 70* 2,613.00 90* 25,310.00 71* 29,025.00 91* 2,279.00 71* 2,613.00 91* 26,010.00 72* 29,025.00 92* … 2,591.00 78* 2,613.00 98* 28,880.00 79* 29,025.00 99* 2,600.00 79* 2,613.00 99* *只適用於續保。 *For renewal only. Page 2 of 4 保柏（亞洲）有限公司 Bupa (Asia) Limited 保柏自願醫保計劃 Bupa MyBasic VHIS Plan 標準保費表 Standard Premium Schedule - 港元 HKD 實際年齡 Attained Age 年繳 Annual (只適用於保單生效時年齡介乎70至80歲之受保人 For Insured Persons from age 70 to 80 years at Policy commencement) 實際年齡 Attained Age 年繳 Annual 實際年齡 Attained Age 月繳 Monthly 實際年齡 Attained Age 月繳 Monthly 32,756.00 70 38,700.00 85* 2,948.00 70 3,484.00 85* 33,746.00 71 38,700.00 86* 3,038.00 71 3,484.00 86* 34,680.00 72 38,700.00 87* 3,122.00 72 3,484.00 87* 35,552.00 73 38,700.00 88* 3,200.00 73 3,484.00 88* 36,342.00 74 38,700.00 89* … 3,454.00 78 3,484.00 93* 38,506.00 79 38,700.00 94* 3,466.00 79 3,484.00 94* 38,700.00 80 38,700.00 95* 3,484.00 80 3,484.00 95* 38,700.00 81* 38,700.00 96* 3,484.00 81* 3,484.00 96* 38,700.00 82* 38,700.00 97* 3,484.00 82* 3,484.00 97* 38,700.00 83* 38,700.00 98* 3,484.00 83* 3,484.00 98* 38,700.00 84* 38,700.00 99* 3,484.00 84* 3,484.00 99* *只適用於續保。 *For renewal only. Page 3 of 4 保柏（亞洲）有限公司 Bupa (Asia) Limited 保柏自願醫保計劃 Bupa MyBasic VHIS Plan 標準保費表 Standard Premium Schedule - 港元 HKD ... 此標準保費表並未包括由保險業監管局徵收的保費徵費。請瀏覽 https://www.ia.org.hk/tc/infocenter/faqs/faqs_levy.html 了解詳情。 This Standard Premium schedule does not include levy which is collected by the Insurance Authority. Please visit https://www.ia.org.hk/en/infocenter/faqs/faqs_levy.html for details. 所需支付保費將於每次續保時根據受保人的年齡按當時生效的標準保費表調整。 The actual premiums payable will be adjusted at each Renewal based on the age of the Insured Person according to the prevailing Standard Premium schedule. 本公司在有需要時會向所有同一類別保單調整標準保費表。以上列出的標準保費並不能視為實際未來所需支付的標準保費。本公司會在每個保單年度終結前 以書面形式通知保單持有人來年實際所需支付的保費（包括附加保費（如適用））及保費徵費。 The Company may adjust the Standard Premium schedule on a Portfolio basis if necessary. The listed Standard Premiums above are not indicative of the future Standard Premiums. The Company will send out a written notice to the Policy Holders before each end of Policy Year regarding the actual premiums payable (including Premium Loading, if applicable) and levy of the coming year. ### Result 9 保柏（亞洲）有限公司 Bupa (Asia) Limited https://www.vhis.gov.hk/doc/certifiedplan/hfp/F00040/F00040-22-000-02-001-StandardPremium-Bilingual.pdf 保柏非凡自願醫保計劃 Bupa Hero VHIS Plan 倍精選－港元15,000自付費 Core Pro – HKD15,000 Deductible 標準保費表 Standard Premium Schedule - 港元 HKD 實際年齡 Attained Age 年繳 Annual (只適用於保單生效時年齡介乎0至59歲之受保人 For Insured Persons from age 0 to 59 years at Policy commencement) 實際年齡 Attained Age 年繳 Annual 實際年齡 Attained Age 月繳 Monthly 實際年齡 Attained Age 月繳 Monthly 4,155.00 0 7,604.00 41 374.00 0 684.00 41 4,155.00 1 8,003.00 42 374.00 1 720.00 42 4,155.00 2 8,463.00 43 374.00 2 762.00 43 4,155.00 3 8,886.00 44 374.00 3 800.00 44 4,155.00 4 9,328.00 45 374.00 4 840.00 45 3,782.00 5 9,703.00 46 340.00 5 873.00 46 3,782.00 6 10,092.00 47 340.00 6 908.00 47 3,782.00 7 10,497.00 48 340.00 7 945.00 48 3,782.00 8 10,928.00 49 340.00 8 984.00 49 3,782.00 9 11,375.00 50 340.00 9 1,024.00 50 3,782.00 10 11,851.00 51 340.00 10 1,067.00 51 3,782.00 11 12,346.00 52 340.00 11 1,111.00 52 3,782.00 12 12,880.00 53 340.00 12 1,159.00 53 3,782.00 13 13,448.00 54 340.00 13 1,210.00 54 3,782.00 14 14,066.00 55 340.00 14 1,266.00 55 3,468.00 15 14,741.00 56 312.00 15 1,327.00 56 3,483.00 16 15,447.00 57 313.00 16 1,390.00 57 3,497.00 17 16,188.00 58 315.00 17 1,457.00 58 3,512.00 18 16,980.00 59 316.00 18 1,528.00 59 3,531.00 19 17,821.00 60* 318.00 19 1,604.00 60* 3,552.00 20 18,715.00 61* 320.00 20 1,684.00 61* 3,695.00 21 19,654.00 62* 333.00 21 1,769.00 62* 3,844.00 22 20,639.00 63* 346.00 22 1,858.00 63* 4,002.00 23 21,676.00 64* 360.00 23 1,951.00 64* 4,171.00 24 22,773.00 65* 375.00 24 2,050.00 65* 4,345.00 25 23,917.00 66* 391.00 25 2,153.00 66* 4,489.00 26 25,119.00 67* 404.00 26 2,261.00 67* 4,638.00 27 26,385.00 68* 417.00 27 2,375.00 68* 4,796.00 28 27,713.00 69* 432.00 28 2,494.00 69* 4,960.00 29 29,109.00 70* 446.00 29 2,620.00 70* 5,140.00 30 30,577.00 71* 463.00 30 2,752.00 71* 5,291.00 31 32,120.00 72* 476.00 31 2,891.00 72* 5,446.00 32 33,736.00 73* 490.00 32 3,036.00 73* 5,607.00 33 35,433.00 74* 505.00 33 3,189.00 74* 5,774.00 34 37,220.00 75* 520.00 34 3,350.00 75* 5,947.00 35 39,068.00 76* 535.00 35 3,516.00 76* 6,166.00 36 41,008.00 77* 555.00 36 3,691.00 77* 6,405.00 37 43,043.00 78* 576.00 37 3,874.00 78* 6,667.00 38 45,180.00 79* 600.00 38 4,066.00 79* 6,948.00 39 47,423.00 80+* 625.00 39 4,268.00 80+* 7,248.00 40 652.00 40 *只適用於續保。 *For renewal only. Page 1 of 4 保柏（亞洲）有限公司 Bupa (Asia) Limited 保柏非凡自願醫保計劃 Bupa Hero VHIS Plan 倍精選－港元15,000自付費 Core Pro – HKD15,000 Deductible 標準保費表 Standard Premium Schedule - 港元 HKD 實際年齡 Attained Age 年繳 Annual (只適用於保單生效時年齡介乎60至69歲之受保人 For Insured Persons from age 60 to 69 years at Policy commencement) 實際年齡 Attained Age 年繳 Annual 實際年齡 Attained Age 月繳 Monthly 實際年齡 Attained Age 月繳 Monthly 26,732.00 60 45,866.00 71* 2,406.00 60 4,128.00 71* 28,073.00 61 48,180.00 72* 2,526.00 61 4,337.00 72* 29,481.00 62 50,604.00 73* 2,654.00 62 4,554.00 73* 30,959.00 63 53,150.00 74* 2,787.00 63 4,784.00 74* 32,514.00 64 55,830.00 75* 2,927.00 64 5,025.00 75* 34,160.00 65 58,602.00 76* 3,075.00 65 5,274.00 76* 35,876.00 66 61,512.00 77* 3,230.00 66 5,537.00 77* 37,679.00 67 64,565.00 78* 3,392.00 67 5,811.00 78* 39,578.00 68 67,770.00 79* 3,563.00 68 6,099.00 79* 41,570.00 69 71,135.00 80+* 3,741.00 69 6,402.00 80+* 43,664.00 70* 3,930.00 70* *只適用於續保。 *For renewal only. Page 2 of 4 保柏（亞洲）有限公司 Bupa (Asia) Limited 保柏非凡自願醫保計劃 Bupa Hero VHIS Plan 倍精選－港元15,000自付費 Core Pro – HKD15,000 Deductible 標準保費表 Standard Premium Schedule - 港元 HKD 實際年齡 Attained Age 年繳 Annual (只適用於保單生效時年齡介乎70至80歲之受保人 For Insured Persons from age 70 to 80 years at Policy commencement) 實際年齡 Attained Age 年繳 Annual 實際年齡 Attained Age 月繳 Monthly 實際年齡 Attained Age 月繳 Monthly 58,218.00 70 78,136.00 76 5,240.00 70 7,032.00 76 61,154.00 71 82,016.00 77 5,504.00 71 7,382.00 77 64,240.00 72 86,086.00 78 5,782.00 72 7,748.00 78 67,472.00 73 90,360.00 79 6,072.00 73 8,132.00 79 70,866.00 74 94,846.00 80 6,378.00 74 8,536.00 80 74,440.00 75 94,846.00 81+* 6,700.00 75 8,536.00 81+* *只適用於續保。 *For renewal only. Page 3 of 4 保柏（亞洲）有限公司 Bupa (Asia) Limited 保柏非凡自願醫保計劃 Bupa Hero VHIS Plan 倍精選－港元15,000自付費 Core Pro – HKD15,000 Deductible 標準保費表 Standard Premium Schedule - 港元 HKD 備註 Remarks: ... 此標準保費表並未包括由保險業監管局徵收的保費徵費。請瀏覽 https://www.ia.org.hk/tc/infocenter/faqs/faqs_levy.html 了解詳情。 This Standard Premium schedule does not include levy which is collected by the Insurance Authority. Please visit https://www.ia.org.hk/en/infocenter/faqs/faqs_levy.html for details. 所需支付保費將於每次續保時根據受保人的年齡按當時生效的標準保費表調整。 The actual premiums payable will be adjusted at each Renewal based on the age of the Insured Person according to the prevailing Standard Premium schedule. 本公司在有需要時會向所有同一類別保單調整標準保費表。以上列出的標準保費並不能視為實際未來所需支付的標準保費。本公司會在每個保單年度終結前 以書面形式通知保單持有人來年實際所需支付的保費（包括附加保費（如適用））及保費徵費。 The Company may adjust the Standard Premium schedule on a Portfolio basis if necessary. The listed Standard Premiums above are not indicative of the future Standard Premiums. The Company will send out a written notice to the Policy Holders before each end of Policy Year regarding the actual premiums payable (including Premium Loading, if applicable) and levy of the coming year. ### Result 10 Compare Health / Medical Insurance - Hong Kong https://www.axa.com.hk/en/health-insurance-advisor/medical Compare Health / Medical Insurance | AXA Hong Kong ... AXA selected 3 medical insurance products with protection ranging from basic to comprehensive coverage: **AXA WiseGuard Medical Insurance Plan**, **Smart Medicare** and **AXA WiseGuard Pro Medical Insurance Plan.** Each product provides comprehensive medical coverage including in-patient surgery, day case procedure, and hospitalisation expenses. The products offer guaranteed renewal up to age 100 regardless of your health conditions or claims history. | |VHIS CERTIFIED PLAN ##### AXA WiseGuard Medical Insurance Plan ######|VHIS CERTIFIED PLAN ##### Smart Medicare ######|VHIS CERTIFIED PLAN ##### AXA WiseGuard Pro Medical Insurance Plan - **Enjoy up to 7 months’ premium refund*** ... The premiums and benefits shown above are based on **AXA WiseGuard Medical Insurance Plan**; Regular benefit level of **Smart Medicare**; Enhance benefit level with HKD20,000 annual deductible for **AXA WiseGuard Pro Medical Insurance Plan**. The premiums displayed above are for basic plan and are calculated based on insured person with residency in Hong Kong or Macau. The monthly premiums for **AXA WiseGuard Medical Insurance Plan**, **Smart Medicare** and **AXA WiseGuard Pro Medical Insurance Plan** are calculated using applicable premium modal factor. The monthly premium modal factor for a basic plan is 0.09. ... The above medical insurance products are underwritten by AXA China Region Insurance Company (Hong Kong) Limited / AXA China Region Insurance Company Limited (collectively, the “Company”).
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