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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?
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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ChatGPT · 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?
Not surfaced in this answer · The retained answer does not name Manulife and retains no source from manulife.com.hk.
Nov 3, 2026, 1:43 AM UTC
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如果你已有公司的團體醫保，增購一份有自付費（墊底費）的 VHIS 靈活計劃，可以作為大額住院風險的補充：先由團體醫保承保，再看個人 VHIS 如何處理自付費以上的合資格費用。不過，不要假設兩份保險一定能全數接駁或賠足；要先向公司醫保和個人保險公司確認索償次序、可否用團體保險支付自付費，以及是否有不保項目或差額。
截至目前，以下幾家公司值得放進報價比較表：
Scroll across the table to see every column.
公司／計劃 公布的自付費選項 可以留意的地方 滙豐 HSBC VHIS Flexi HK$0／16,000／50,000／100,000 自付費級距較闊，適合想比較高額自付費與保費差距的人；保障地區及年度限額會因計劃級別而異。(hsbc.com.hk) Cigna VHIS Flexi Plan（Superior） 半私家房：HK$0／15,000／25,000／50,000／75,000；普通房可選部分級距 選項多，方便按公司醫保的保障額去配自付費；要一併核對病房級別和保障內容。(cigna.com.hk) AIA VHIS SelectWise HK$0／8,800／18,000／30,000／55,000 自付費級距細緻；特別要看指定醫院、醫療網絡及預先批核安排，因這些會影響可享的病房級別與賠償。(aia.com.hk) AXA 安盛智尊守慧 HK$0／20,000／50,000 可按保障級別選病房及地域範圍；「全額支付」仍受年度限額、自付費及保單條款限制。(axa.com.hk) 保誠自願醫保尚賓 HK$0／20,000／50,000／96,000 有較高的自付費選項；需仔細比較年度／終身限額、保障地區及病房安排。(prudential.com.hk) 怎樣按公司醫保來挑？
- 先看公司醫保實際能付多少：不只看年度上限，也看住院、手術、癌症治療、醫生費和病房限制。自付費最好不要高於你有把握由公司醫保或自有儲蓄負擔的金額。
- 比較同一保障級別下的保費差額：把自付費較低和較高的報價並排；再衡量保費節省是否值得承擔較高的年度自付額。
- 問清楚索償銜接：VHIS 公司是否接受團體醫保的理賠文件、公司醫保可否先支付 VHIS 自付費，以及兩邊是否有先後索償要求。保留正本／副本單據的規則也要確認。
- 不要只看「全數賠償」字眼：它通常仍受合資格費用、年度限額、自付費、醫院網絡或其他條款約束。
- 看長期續保成本：VHIS 保費通常按年齡級別調整；官方亦提醒不同計劃的保費可能差異很大，應比較未來年齡段的保費，而不只看首年優惠。(vhis.gov.hk)
簡單起步法：先向公司 HR／保險管理人索取團體醫保的保障表和索償指引，再從 HSBC、Cigna、AIA、AXA、保誠各取一份相同病房級別、相近地域保障的報價，逐一比較自付費與續保保費。以上是值得比較的候選，不代表哪家公司必然最適合你；實際承保和條款以最新保單文件為準。
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