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1. moneyhero.com.hk

   醫療費用年年加 高端自願醫保保費比較2026

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   • Claude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?
   • Claude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?

   Claude · 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?

   Recommended for a specific fit · 宏利被列為提供自付額選項、可納入有公司醫保人士比較的靈活計劃選項；回答沒有把它列為首選。

   Nov 3, 2026, 1:43 AM UTC

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   I'd look at insurers that offer flexible VHIS (Voluntary Health Insurance Scheme) plans with deductible options. A deductible is the amount you pay first each year, which can lower premiums if your employer plan pays the rest. Current web sources disagree on exact figures, so check each insurer's current product sheet before you buy.

   Insurers that come up most often with deductible options

   • Bowtie Pink: Options are often listed as $0, HK$20,000, HK$50,000 and HK$80,000. One source notes that 自付費$20,000–$80,000可減保費30–50%，適合年輕、健康、有公司醫保人士。 That is a Bupa-published page, so treat that discount figure as the insurer's own claim.
   • FWD: Its flexible plan is listed with several deductible levels, from $0 up to HK$250,000 in one comparison.
   • Bupa (Hero / MyFlexi): Commonly listed with options from $0 up to HK$80,000, and a higher annual limit (up to HK$40 million in some listings).
   • Manulife: Commonly listed with a HK$22,800 deductible option on its flexible plan, plus $0 to HK$50,000 options in other listings.
   • Cigna, AXA, AIA, Blue Cross, HSBC, Sun Life: Each appears in comparison tables with a deductible in the HK$15,000–20,000 range on a flexible plan. AIA's comparison example uses HK$18,000.

   How to compare

   • Standard vs flexible: Standard Plans offered by different companies "will be virtually the same (except for very limited minor allowable variations)" . Price differences between standard plans are mainly about the insurer. Flexible plans differ much more, so compare their room tier, annual limit, sub-limits, deductible and co-insurance.
   • Co-insurance: Some items are not fully covered even within the limit. For example, 自願醫保全數包底 is a sales phrase, so check the exact wording. Imaging such as CT, MRI and PET is typically subject to 30% co-insurance under the standard plan.
   • Deductible mechanics: Ask whether the deductible applies per claim or per policy year, and whether your employer plan pays first. Also confirm the insurer will coordinate with your group plan, since that determines whether the deductible actually saves you money.
   • Renewal and tax: Certified plans guarantee renewal to age 100 , and VHIS Certified Plans up to HK$8,000 per insured person can be tax-deductible.
   • Switching risk: If you move an existing policy to another insurer, it may be re-underwritten. 轉保 (Migration) 的重新核保風險 is a real consideration.
   • Premiums: Quoted premiums vary widely by age, gender, room tier and deductible, and many comparison sites are affiliate-linked. Get quotes from at least three insurers using the same parameters.

   I could not verify current premiums or deductible options on each insurer's official site, so confirm those directly before deciding.

   Claude · 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?

   Included as an option · 宏利只與其他品牌一同列在第三方比較網站常見品牌名單中；回答明言未逐一核實其官方網上投保流程及條款頁面。

   Nov 3, 2026, 1:43 AM UTC

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   以下是香港自願醫保中，網上投保較方便、保費和條款資料較容易找到的幾個品牌，附上比較時要注意的地方。保費會按年齡、性別、吸煙狀況和自付額而變，下面只作入門參考。

   值得了解的品牌

   • Bowtie 保泰：屬純網上營運的虛擬保險公司， 不設代理人，亦不收佣金 。第三方比較文章普遍把它列為保費較低的選項之一，但不同網站引述的數字差距頗大，要以其官方資料為準。
   • FWD 富衛：網上投保頁面會列出 不同自付額下的首年每月保費 ，並附有詳細的保障項目和保費折扣表，適合想逐項核對條款的人。它也提醒 續保保費並非保證，會每年按投保人當時年齡釐定 。
   • 滙豐 HSBC：標準計劃頁面有清晰的保障表，列明 年度保障限額、終身限額、地域範圍及保證續保年齡上限 等，並列出各項細項限額，例如房費每日上限。
   • 友邦 AIA、保誠 Prudential、宏利 Manulife、保柏 Bupa、安盛 AXA、藍十字 Blue Cross、信諾 Cigna：幾乎都有在第三方比較網站出現，市場上亦有不少人比較。不過我這次未逐一核實它們的官方網上投保流程和條款頁面，建議你直接查看各公司網站。

   比較時的實用步驟

   1. 先睇政府官方資料：每間保險公司都必須公布認可計劃的保費表，而且保費表會按年更新，所以最可靠的比較來源是自願醫保計劃官方網站，而非第三方文章。
   2. 統一比較條件：同一年齡、性別、吸煙狀況和自付額下比較，才有意義。標準計劃的條款差異較小，比較時較容易對照。
   3. 留意保障細節：包括年度限額、終身限額、房級、不保事項和續保條款。自願醫保一般保證續保至100歲，但保費仍可能每年調整。
   4. 計算稅務扣減：每名受保人每年合資格保費的扣稅上限是 HK$8,000，申請前要計入。
   5. 留意數據來源：第三方網站的數字常因計劃版本和假設不同而有出入，例如同一品牌在不同文章中的保費數字就可能不一致。

   如果你告訴我年齡、性別、想要的房級和大概預算，我可以幫你縮小範圍，並提醒你應該核對哪些條款。