{"attribution":{"compiledBy":"Hong Kong Insurance Connect","compiledByZh":"港險通","legalName":"Pineapple bun bun Limited","url":"https://buyhongkonginsurance.com","license":"© Hong Kong Insurance Connect (Pineapple bun bun Limited). CC BY 4.0: cite us with a link; figures are insurers' disclosures.","cite":"Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link."},"group":{"slug":"insurer-chow-tai-fook-life-insurance-co-ltd-medical-vhis","kind":"insurer","type":"medical-vhis"},"summary":{"en":"This page compares 5 products. Compare recorded product facts and their public sources. Payment options, age conditions and currencies remain separate facts. Shared labels do not confirm eligibility. Check each option's conditions.","zh-hant":"本頁比較 5 款產品。 比較已記錄的產品事實及公開來源。繳費選項、年齡條件及貨幣分別列示。 相同標籤不代表符合投保資格；請核對各選項條件。","zh-hans":"本页比较 5 款产品。 比较已记录的产品事实及公开来源。缴费选项、年龄条件及货币分别列示。 相同标签不代表符合投保资格；请核对各选项条件。"},"ratioCaveat":{"en":"Past fulfillment ratios do not indicate future performance. Non-guaranteed benefits can change. These tables provide general information, without rankings or product recommendations.","zh-hant":"過往分紅實現率並非未來表現的指標。非保證利益可能 改變。此處僅提供一般資訊，沒有排名或產品推薦。","zh-hans":"过往分红实现率并非未来表现的指标。非保证利益可能 改变。此处仅提供一般信息，没有排名或产品推荐。"},"comparableFields":["type","currencies","benefitTerm","issueAges","keyFeatures","vhisPlanType","annualLimit","lifetimeLimit","renewal","keyExclusions"],"products":[{"slug":"ctf-life-bettercare-medical-insurance-plan","names":{"en":"''BetterCare'' Medical Insurance Plan","zh-hant":"「樂康保」醫療保障計劃","zh-hans":"「乐康保」医疗保障计划"},"nameBasis":"insurer-published","insurerSlug":"chow-tai-fook-life-insurance-co-ltd","productPaths":["/insurers/chow-tai-fook-life-insurance-co-ltd/ctf-life-bettercare-medical-insurance-plan/","/zh-hant/insurers/chow-tai-fook-life-insurance-co-ltd/ctf-life-bettercare-medical-insurance-plan/","/zh-hans/insurers/chow-tai-fook-life-insurance-co-ltd/ctf-life-bettercare-medical-insurance-plan/"],"insurerPaths":["/insurers/chow-tai-fook-life-insurance-co-ltd/","/zh-hant/insurers/chow-tai-fook-life-insurance-co-ltd/","/zh-hans/insurers/chow-tai-fook-life-insurance-co-ltd/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD","USD"],"display":{"en":["HKD / USD"],"zh-hant":["HKD / USD"],"zh-hans":["HKD / USD"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證續保至100歲；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证续保至100岁；保费可按组合调整，须符合保单续保条件。"}},"display":{"en":["Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["可續保 / 保證續保至100歲；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["可续保 / 保证续保至100岁；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00021/F00021-01-000-03-PlanDoc-e.pdf","page":14,"title":"Health Bureau — ''BetterCare'' Medical Insurance Plan renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"issueAges","value":[{"min":{"value":15,"unit":"days"},"max":{"value":80,"unit":"years"},"basis":"last-birthday","notes":null}],"display":{"en":["15 days to 80 years / Age basis: Age last birthday"],"zh-hant":["出生15日至80歲 / 年齡基準：上次生日年齡"],"zh-hans":["出生15日至80岁 / 年龄基准：上次生日年龄"]},"sources":[{"url":"https://www.ctflife.hk/pdf/en/products/life-insurance/health/bettercare-brochure.pdf","page":6,"title":"Official product brochure: issue ages and basic-plan terms","date":null,"checkedOn":"2026-10-13"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","zh-hant":"醫務衞生局名單上的自願醫保靈活計劃；保障、不保事項及自付費視所選認可選項而定。","zh-hans":"医务卫生局名单上的自愿医保灵活计划；保障、不保事项及自付费视所选认可选项而定。"},{"en":"The official list marks this plan as available for renewal only.","zh-hant":"官方名單註明本計劃只供續保。","zh-hans":"官方名单注明本计划只供续保。"}],"display":{"en":["VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","The official list marks this plan as available for renewal only."],"zh-hant":["醫務衞生局名單上的自願醫保靈活計劃；保障、不保事項及自付費視所選認可選項而定。","官方名單註明本計劃只供續保。"],"zh-hans":["医务卫生局名单上的自愿医保灵活计划；保障、不保事项及自付费视所选认可选项而定。","官方名单注明本计划只供续保。"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"vhisPlanType","value":[{"en":"Flexi Plan","zh-hant":"靈活計劃","zh-hans":"灵活计划"}],"display":{"en":["Flexi Plan"],"zh-hant":["靈活計劃"],"zh-hans":["灵活计划"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — current certified flexi plans","date":null,"checkedOn":"2026-10-12"}]},{"field":"annualLimit","value":[{"en":"Benefit Level 1 with SMM (HKD): HKD 500,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"保障級別 1+超額醫療保障 (港元)：表列指定保障每保單年度限額 HKD 500,000；另設個別保障限額。","zh-hans":"保障级别 1+超额医疗保障 (港元)：表列指定保障每保单年度限额 HKD 500,000；另设个别保障限额。"},{"en":"Benefit Level 2 with SMM (HKD): HKD 600,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"保障級別 2+超額醫療保障 (港元)：表列指定保障每保單年度限額 HKD 600,000；另設個別保障限額。","zh-hans":"保障级别 2+超额医疗保障 (港元)：表列指定保障每保单年度限额 HKD 600,000；另设个别保障限额。"},{"en":"Benefit Level 3 with SMM (HKD): HKD 700,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"保障級別 3+超額醫療保障 (港元)：表列指定保障每保單年度限額 HKD 700,000；另設個別保障限額。","zh-hans":"保障级别 3+超额医疗保障 (港元)：表列指定保障每保单年度限额 HKD 700,000；另设个别保障限额。"},{"en":"Benefit Level 1 with SMM (USD): USD 64,520 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"保障級別 1+超額醫療保障 (美元)：表列指定保障每保單年度限額 USD 64,520；另設個別保障限額。","zh-hans":"保障级别 1+超额医疗保障 (美元)：表列指定保障每保单年度限额 USD 64,520；另设个别保障限额。"},{"en":"Benefit Level 2 with SMM (USD): USD 77,420 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"保障級別 2+超額醫療保障 (美元)：表列指定保障每保單年度限額 USD 77,420；另設個別保障限額。","zh-hans":"保障级别 2+超额医疗保障 (美元)：表列指定保障每保单年度限额 USD 77,420；另设个别保障限额。"},{"en":"Benefit Level 3 with SMM (USD): USD 90,325 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"保障級別 3+超額醫療保障 (美元)：表列指定保障每保單年度限額 USD 90,325；另設個別保障限額。","zh-hans":"保障级别 3+超额医疗保障 (美元)：表列指定保障每保单年度限额 USD 90,325；另设个别保障限额。"}],"display":{"en":["Benefit Level 1 with SMM (HKD): HKD 500,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","Benefit Level 2 with SMM (HKD): HKD 600,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","Benefit Level 3 with SMM (HKD): HKD 700,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","Benefit Level 1 with SMM (USD): USD 64,520 per policy year for the schedule's specified benefits; separate benefit limits may apply.","Benefit Level 2 with SMM (USD): USD 77,420 per policy year for the schedule's specified benefits; separate benefit limits may apply.","Benefit Level 3 with SMM (USD): USD 90,325 per policy year for the schedule's specified benefits; separate benefit limits may apply."],"zh-hant":["保障級別 1+超額醫療保障 (港元)：表列指定保障每保單年度限額 HKD 500,000；另設個別保障限額。","保障級別 2+超額醫療保障 (港元)：表列指定保障每保單年度限額 HKD 600,000；另設個別保障限額。","保障級別 3+超額醫療保障 (港元)：表列指定保障每保單年度限額 HKD 700,000；另設個別保障限額。","保障級別 1+超額醫療保障 (美元)：表列指定保障每保單年度限額 USD 64,520；另設個別保障限額。","保障級別 2+超額醫療保障 (美元)：表列指定保障每保單年度限額 USD 77,420；另設個別保障限額。","保障級別 3+超額醫療保障 (美元)：表列指定保障每保單年度限額 USD 90,325；另設個別保障限額。"],"zh-hans":["保障级别 1+超额医疗保障 (港元)：表列指定保障每保单年度限额 HKD 500,000；另设个别保障限额。","保障级别 2+超额医疗保障 (港元)：表列指定保障每保单年度限额 HKD 600,000；另设个别保障限额。","保障级别 3+超额医疗保障 (港元)：表列指定保障每保单年度限额 HKD 700,000；另设个别保障限额。","保障级别 1+超额医疗保障 (美元)：表列指定保障每保单年度限额 USD 64,520；另设个别保障限额。","保障级别 2+超额医疗保障 (美元)：表列指定保障每保单年度限额 USD 77,420；另设个别保障限额。","保障级别 3+超额医疗保障 (美元)：表列指定保障每保单年度限额 USD 90,325；另设个别保障限额。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00021/F00021-01-000-03-PlanDoc-e.pdf","page":42,"title":"Health Bureau — ''BetterCare'' Medical Insurance Plan — Benefit Level 1 with SMM (HKD) benefit schedule","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00021/F00021-02-000-03-PlanDoc-e.pdf","page":42,"title":"Health Bureau — ''BetterCare'' Medical Insurance Plan — Benefit Level 2 with SMM (HKD) benefit schedule","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00021/F00021-03-000-03-PlanDoc-e.pdf","page":42,"title":"Health Bureau — ''BetterCare'' Medical Insurance Plan — Benefit Level 3 with SMM (HKD) benefit schedule","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00021/F00021-04-000-03-PlanDoc-e.pdf","page":42,"title":"Health Bureau — ''BetterCare'' Medical Insurance Plan — Benefit Level 1 with SMM (USD) benefit schedule","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00021/F00021-05-000-03-PlanDoc-e.pdf","page":42,"title":"Health Bureau — ''BetterCare'' Medical Insurance Plan — Benefit Level 2 with SMM (USD) benefit schedule","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00021/F00021-06-000-03-PlanDoc-e.pdf","page":42,"title":"Health Bureau — ''BetterCare'' Medical Insurance Plan — Benefit Level 3 with SMM (USD) benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"lifetimeLimit","value":[{"en":"Benefit Level 1 with SMM (HKD): no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.","zh-hant":"保障級別 1+超額醫療保障 (港元)：表列指定保障不設終身總限額；個別項目限額仍適用。","zh-hans":"保障级别 1+超额医疗保障 (港元)：表列指定保障不设终身总限额；个别项目限额仍适用。"},{"en":"Benefit Level 1 with SMM (USD): no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.","zh-hant":"保障級別 1+超額醫療保障 (美元)：表列指定保障不設終身總限額；個別項目限額仍適用。","zh-hans":"保障级别 1+超额医疗保障 (美元)：表列指定保障不设终身总限额；个别项目限额仍适用。"}],"display":{"en":["Benefit Level 1 with SMM (HKD): no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.","Benefit Level 1 with SMM (USD): no aggregate lifetime cap for the schedule's specified benefits; item limits still apply."],"zh-hant":["保障級別 1+超額醫療保障 (港元)：表列指定保障不設終身總限額；個別項目限額仍適用。","保障級別 1+超額醫療保障 (美元)：表列指定保障不設終身總限額；個別項目限額仍適用。"],"zh-hans":["保障级别 1+超额医疗保障 (港元)：表列指定保障不设终身总限额；个别项目限额仍适用。","保障级别 1+超额医疗保障 (美元)：表列指定保障不设终身总限额；个别项目限额仍适用。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00021/F00021-01-000-03-PlanDoc-e.pdf","page":42,"title":"Health Bureau — ''BetterCare'' Medical Insurance Plan — Benefit Level 1 with SMM (HKD) benefit schedule","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00021/F00021-04-000-03-PlanDoc-e.pdf","page":42,"title":"Health Bureau — ''BetterCare'' Medical Insurance Plan — Benefit Level 1 with SMM (USD) benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"renewal","value":[{"en":"Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證續保至100歲；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证续保至100岁；保费可按组合调整，须符合保单续保条件。"}],"display":{"en":["Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["保證續保至100歲；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["保证续保至100岁；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00021/F00021-01-000-03-PlanDoc-e.pdf","page":14,"title":"Health Bureau — ''BetterCare'' Medical Insurance Plan renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyExclusions","value":[{"en":"Treatment, tests and services that are not medically necessary are excluded.","zh-hant":"非醫療必需的治療、檢查及服務不受保。","zh-hans":"非医疗必需的治疗、检查及服务不受保。"},{"en":"Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","zh-hant":"美容服務不受保，保單所列意外及增強保障例外除外。","zh-hans":"美容服务不受保，保单所列意外及增强保障例外除外。"},{"en":"Selected exclusions only; consult the full policy and any case-based exclusions.","zh-hant":"僅列部分不保事項；須參閱完整保單及個別不保事項。","zh-hans":"仅列部分不保事项；须参阅完整保单及个别不保事项。"}],"display":{"en":["Treatment, tests and services that are not medically necessary are excluded.","Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","Selected exclusions only; consult the full policy and any case-based exclusions."],"zh-hant":["非醫療必需的治療、檢查及服務不受保。","美容服務不受保，保單所列意外及增強保障例外除外。","僅列部分不保事項；須參閱完整保單及個別不保事項。"],"zh-hans":["非医疗必需的治疗、检查及服务不受保。","美容服务不受保，保单所列意外及增强保障例外除外。","仅列部分不保事项；须参阅完整保单及个别不保事项。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00021/F00021-01-000-03-PlanDoc-e.pdf","page":25,"title":"Health Bureau — ''BetterCare'' Medical Insurance Plan general exclusions","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]},{"slug":"ctf-life-wisecare-medical-insurance-plan","names":{"en":"''WiseCare'' Medical Insurance Plan","zh-hant":"「卓康保」醫療保障計劃","zh-hans":"「卓康保」医疗保障计划"},"nameBasis":"insurer-published","insurerSlug":"chow-tai-fook-life-insurance-co-ltd","productPaths":["/insurers/chow-tai-fook-life-insurance-co-ltd/ctf-life-wisecare-medical-insurance-plan/","/zh-hant/insurers/chow-tai-fook-life-insurance-co-ltd/ctf-life-wisecare-medical-insurance-plan/","/zh-hans/insurers/chow-tai-fook-life-insurance-co-ltd/ctf-life-wisecare-medical-insurance-plan/"],"insurerPaths":["/insurers/chow-tai-fook-life-insurance-co-ltd/","/zh-hant/insurers/chow-tai-fook-life-insurance-co-ltd/","/zh-hans/insurers/chow-tai-fook-life-insurance-co-ltd/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證續保至100歲；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证续保至100岁；保费可按组合调整，须符合保单续保条件。"}},"display":{"en":["Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["可續保 / 保證續保至100歲；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["可续保 / 保证续保至100岁；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/sp/S00028/S00028-01-000-03-PlanDoc-e.pdf","page":14,"title":"Health Bureau — ''WiseCare'' Medical Insurance Plan renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"issueAges","value":[{"min":{"value":15,"unit":"days"},"max":{"value":80,"unit":"years"},"basis":"last-birthday","notes":null}],"display":{"en":["15 days to 80 years / Age basis: Age last birthday"],"zh-hant":["出生15日至80歲 / 年齡基準：上次生日年齡"],"zh-hans":["出生15日至80岁 / 年龄基准：上次生日年龄"]},"sources":[{"url":"https://www.ctflife.hk/pdf/en/products/life-insurance/health/wisecare-brochure.pdf","page":5,"title":"Official product brochure: issue ages and basic-plan terms","date":null,"checkedOn":"2026-10-13"}]},{"field":"keyFeatures","value":[{"en":"VHIS Standard Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","zh-hant":"醫務衞生局名單上的自願醫保標準計劃；保障、不保事項及自付費以所選認可選項為準。","zh-hans":"医务卫生局名单上的自愿医保标准计划；保障、不保事项及自付费以所选认可选项为准。"}],"display":{"en":["VHIS Standard Plan listed by the Health Bureau. 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