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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Claude · 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?
Recommended for a specific fit · 保誠被列為可按保費與保障再篩選的中間選項，屬比較名單之一，沒有被推薦為首選。
Nov 3, 2026, 1:42 AM UTC
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以下是我整理的比較名單。資料來自多個第三方比較網站，數字不一致，正式報價請以保險公司或官方資料為準。
先了解兩種計劃 自願醫保分為標準計劃和靈活計劃。 標準計劃的保障項目較基本，保費一般較便宜，適合只需要基本醫療保障的人。 靈活計劃 在標準計劃的核心保障上提高保額，並加入額外保障項目。 另外，每名受保人每年可扣稅最多 HK$8,000， 受保人數目沒有上限。
建議放入比較名單的保險公司 多個比較網站都會提及以下公司，你可以先從這些開始：
- Bowtie（保泰）：多份比較指它保費較低， 主要比較其 2026 年的保費、保障及索償率。 網上投保，適合預算較緊、慣用網上操作的人。
- AIA（友邦）：品牌和醫療網絡較受關注。有比較指出其靈活計劃 沒有每年及終身限額之分 ，不過保費通常較高。
- Bupa（保柏）：Hero 計劃的每年保額較高，其中一份比較列出的數字是 HK$4,000 萬。
- Cigna（信諾）：有保額較高的靈活計劃，一份比較列出每年 HK$3,000 萬，但保費也偏高。
- AXA（安盛）：有多款高端靈活計劃，其中一份比較指其保費和保障之間相對平衡。
- FWD（富衛）、Manulife（宏利）、Prudential（保誠）、Sun Life（永明）：各比較網站都經常列為中間選項，可按保費與保障再篩選。
比較時建議留意的項目
- 既有病況的等候期：有比較列出，部分公司對「未知」的投保前病況設有分階段賠償，而有些公司則設有等候期，條款差異很大。
- 年度限額與終身限額：標準計劃通常有固定年度限額，靈活計劃則因公司而異。
- 病房級別：普通房、半私家房或私家房的保障範圍不同，會直接影響保費。
- 墊底費（自付額）：墊底費越高，保費通常越低，但每次自付的金額也較大。
- 額外醫療保障（SMM）及直付網絡：會影響實際需要自付的金額。
注意事項
- 比較網站的保費數字差異很大。例如同一年齡的標準計劃月保費，有些網站顯示 Bowtie 較低，而 Cigna 較高，但不同網站的數字未必一致。
- 不少比較網站附有推廣優惠或佣金安排，比較時宜留意其中立性。
- 建議把名單內的計劃，按自己的年齡、性別、吸煙狀況與病史，在保險公司網站或透過持牌中介索取正式報價，並閱讀產品資料概要和條款細則。
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?
Recommended for a specific fit · 保誠列在建議研究的保險公司短名單中，但沒有個別產品或優先排序。
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
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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
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 · 保誠只出現在被第三方比較網站提及的品牌清單中，回答明言未逐一核實其官方網上投保流程及條款頁面，沒有作出推薦。
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
- 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。
- 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。
- 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。
- 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。
- 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。
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