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1. pacificprime.hk

   Voluntary Health Insurance Scheme (VHIS) vs. medical insurance

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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 · 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.