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1. bowtie.com.hk

   VHIS Monthly and Yearly Premium Comparison: Which plan is the cheapest?

   Source ownership not retained

   Answers using this source

   • 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?
   • 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 · 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?

   Oct 20, 2026, 3:15 AM UTC

   以 HK$6,000 年預算（約每月 HK$500）來看，可以先從標準計劃和墊底費較高的靈活計劃兩個方向比較。

   一、值得先比較的公司

   • 保泰 Bowtie：多個比較文章都把它列為保費最低的一間。其中一篇指出,

   30歲非吸煙男性標準計劃月繳 HK$138 為最低 ，而同一篇也提到它在靈活計劃中保費較低。

   • 宏利 Manulife、永明金融 Sun Life、安盛 AXA、保誠 Prudential：標準計劃的保費通常處於中間水平。例如同一比較中，宏利 30 歲男性約 HK$157/月，永明約 HK$156/月。
   • 友邦 AIA、富衛 FWD、保柏 Bupa、信諾 Cigna：保費一般較高，但保障網絡或高保額選項較多。例如 Bupa 的 Hero 計劃

   每月保費低至 HK$139 起 ，不過不同墊底費和保額配搭的價錢差別很大。

   • 藍十字 Blue Cross、蘇黎世 Zurich、中國人壽、信安 Principal：可作補充比較，部分文章有提供報價。

   二、比較時的重點

   1. 標準計劃 vs 靈活計劃：標準計劃的條款由政府統一規定，

   每年住院保障上限為 HK$420,000 ，但通常只包括普通病房。靈活計劃的保額可以高很多，並可能包括半私家房或私家房，保費也相應較高。

   2. 墊底費（自付費）：這是控制保費的最主要方法。例如 Bowtie Pink 提供

   $0/$20,000/$50,000/$80,000 的墊底費選項 。在 HK$6,000 預算下，你可能需要選擇較高墊底費的方案，才能把保費控制在預算內，但要留意實際索償時自己要負擔的金額。

   3. 病房級別與保額：如果你希望入住半私家房，就要看靈活計劃，而不只是標準計劃。
   4. 等候期與未知已有疾病：不同公司處理方式不同。例如 Bupa 的一項比較指出，有公司

   設有分年遞增的賠償安排 ，也有公司不設等候期。

   5. 扣稅：VHIS 合資格保費每名受保人每年可扣稅最高 HK$8,000，一名 30 歲上班族若有應課稅入息，可以把實際保費降低。
   6. 續保與承保條件：VHIS 計劃通常保證續保至 100 歲，比較時可留意加保和續保條款。

   三、實際做法建議

   • 先確認公司醫保覆蓋範圍。若已有公司醫保，個人醫保可以只補住院費和墊底費的缺口。
   • 用自己的年齡、性別、吸煙狀況，直接到自願醫保管理局官網核對標準保費表，因為不同網站的數字差異頗大。
   • 按每月 HK$500 的預算，篩選出墊底費合適、保費在預算內的靈活計劃，再比較理賠率、醫療網絡和等候期。
   • 大部分比較網站都有推廣優惠碼，首年優惠不代表續保價格，應比較續保期的保費。

   以上資料主要來自第三方比較網站，各公司的報價和優惠會經常變動，最終請以保險公司正式報價和保單條款為準。

   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?

   Oct 20, 2026, 3:15 AM UTC

   Here are the main options for a VHIS (Voluntary Health Insurance Scheme) plan with a deductible or co-payment in Hong Kong. Because you already have employer cover, a deductible plan is usually the most cost-effective way to add a personal layer.

   Insurers with deductible options

   • Bupa: Its Hero VHIS plan is a Flexi plan with

   full cover for surgical and cancer treatments and more up to HK$40M annually, with plans covering Asia, Australia and New Zealand or worldwide excluding the United States, plus 4 deductible options. Bupa's cheaper MyBasic plan is a Standard plan. Premiums start from as low as HK$139 per month for Hero, and HK$174 per month for MyBasic.

   • Bowtie: Its high-end plans offer

   deductible options of $0, $20,000, $50,000 and $80,000 per year , with the caveat that the comparison page is dated (it was last updated around 2025).

   • AXA: It offers a Flexi plan with a deductible option. One comparison site lists an

   Asia 20,000 Deductible VHIS Flexi product, so check the current AXA product sheet for exact terms.

   • Other insurers: AIA, Prudential, Chubb (formerly Cigna), HSBC Life, and Blue Cross all sell VHIS products. Some sources say

   Chubb Life Insurance Hong Kong Limited (Formerly Cigna) ... up to 10% no-claim discount. Check each insurer's current deductible menu, because they change often.

   What to check when comparing

   • Deductible vs. coinsurance: A deductible is a fixed amount you pay each policy year before claims start. Coinsurance is a percentage you share on each claim. Standard plans typically apply

   a 30% coinsurance on prescribed diagnostic imaging, so a Flexi plan with a higher annual limit may suit you better.

   • Overlap with employer cover: Confirm whether your employer plan already covers the same ward class and hospital network. A VHIS plan works best as a top-up that pays once your group plan's limits or exclusions kick in.
   • Tax deduction: Qualifying premiums can be deducted up to

   HK$8,000 per insured person under Salaries Tax. This is only available to policyholders who are Hong Kong taxpayers.

   • Renewal and cooling-off: Certified plans offer

   guaranteed renewal up to age 100 , and there is a 21-day cooling-off period for a full premium refund if you change your mind.

   • Verify certification: Confirm the plan is on the government's registered provider list before you buy, since the scheme is voluntary for both insurers and consumers.

   Practical next steps

   1. Note your employer plan's annual limit, ward class, and any exclusions.
   2. Ask two or three insurers for quotes on the same deductible level, ward class, and age.
   3. Compare the total cost: premium, minus the tax deduction, plus your likely out-of-pocket deductible.
   4. Read the policy wording, especially the claim limits, ward class, and hospital network, before signing.

   Most of the information I found comes from insurer sites and broker blogs, which may be promotional and may not reflect the latest product changes. Verify current terms directly with the insurer or on the Health Bureau's VHIS information before you buy. Premiums depend on your age, gender, smoking status, and plan, so they are only indicative.

   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?

   Oct 20, 2026, 3:15 AM UTC

   I'd start with the official VHIS website, then check the insurers' own pages. Under the scheme, participating insurance companies have to publish the premium schedules of their Certified Plans , and the premium schedules of all Certified Plans can be found on the official VHIS website. The Health Bureau also publishes a cross-company summary, in two files, female and male , which is useful for side-by-side comparison. Its file dates are shown in the source as 17 July 2026.

   Insurers with online application and public pricing (as found in my search)

   • Bupa: Its VHIS pages offer an

   online quote and application for its standard plan. Note that the quote page shows a validity date of 27 October 2026.

   • Cigna: Its VHIS page lists a standard plan and several flexi plans, with

   a Cigna global website as one way to apply. Its plan comparison table covers benefit limits and ward classes, and it links to policy documents. Its first-year promotion runs until 31 October 2026.

   • AXA: Its Chinese VHIS page says it offers

   3 VHIS certified plans and describes a fully remote application process, from meeting to signing and payment.

   • HSBC: Its VHIS pages state that you can

   apply online and get an instant quote, though the plans have eligibility rules such as age limits. One flexi-plan page mentions a promo code for online applicants.

   • Bowtie: Several comparison sites list it with some of the lowest published premiums. For example, one comparison shows Bowtie

   monthly premiums by age for its standard plan. Treat these figures as third-party estimates and verify them on the official site.

   • FWD, AIA, Manulife, Prudential, Blue Cross, Hang Seng: These appear in comparison tables with premium figures, and some are noted for online promotions. FWD, for example,

   compares coverage, claims efficiency, tax deductions and no-claim discounts . I did not verify each insurer's online application flow in this search, so check them directly.

   Comparison sites (useful, but not official)

   • 10Life aggregates many VHIS plans with first-year and 10-year average premiums, but its figures come with promotional conditions that you should read.
   • HKGoodDoctor and VHIS101 provide long-form explainers. Some of their numbers conflict with other sources, so cross-check before relying on them.

   How to narrow it down

   1. Decide between a standard plan (

   annual standard premiums by single year of age are published for these) and a flexi plan. Flexi plans usually have higher limits and deductibles, and their premiums vary more by insurer.

   2. Compare annual benefit limits, deductible options, and ward class. For example, Cigna's flexi plan (superior) comes in semi-private and ward versions, with different limits.
   3. Check whether the pre-existing conditions waiting period applies. Bupa's comparison page says

   no waiting period, full coverage from day one for its plan, while other insurers in the same table use graded or 30-day waiting periods.

   4. Watch the first-year discounts. These are often time-limited and conditional, so the first-year premium may not reflect the long-term cost.
   5. Check the tax deduction limit:

   up to $8,000 of qualifying premiums per insured person per year .

   I'd suggest shortlisting three or four insurers, then pulling their premium schedules from the official VHIS site to compare the same age and gender side by side. Premiums depend on your age, health, and underwriting, so get an actual quote before deciding.