{"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":"similar-medical-vhis-hkd-renewable","kind":"similar","type":"medical-vhis","currency":"HKD","premiumTermBand":"renewable"},"summary":{"en":"This page compares 7 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 7 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 7 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","premiumTerms","benefitTerm","issueAges","keyFeatures"],"products":[{"slug":"axa-wiseguard-pro","names":{"en":"AXA WiseGuard Pro Medical Insurance Plan","zh-hant":"AXA安盛智尊守慧醫療保障","zh-hans":null},"nameBasis":"insurer-published","insurerSlug":"axa-china-region-insurance-company-hong-kong-limited","productPaths":["/insurers/axa-china-region-insurance-company-hong-kong-limited/axa-wiseguard-pro/","/zh-hant/insurers/axa-china-region-insurance-company-hong-kong-limited/axa-wiseguard-pro/","/zh-hans/insurers/axa-china-region-insurance-company-hong-kong-limited/axa-wiseguard-pro/"],"insurerPaths":["/insurers/axa-china-region-insurance-company-hong-kong-limited/","/zh-hant/insurers/axa-china-region-insurance-company-hong-kong-limited/","/zh-hans/insurers/axa-china-region-insurance-company-hong-kong-limited/"],"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 benefit levels","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 benefit levels","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"Premiums and renewal conditions depend on the selected certified option; consult its policy terms.","zh-hant":"保費及續保條件視所選認可選項而定，詳見該選項的保單條款。","zh-hans":"保费及续保条件视所选认可选项而定，详见该选项的保单条款。"}}],"display":{"en":["Renewable / Premiums and renewal conditions depend on the selected certified option; consult its policy terms."],"zh-hant":["可續保 / 保費及續保條件視所選認可選項而定，詳見該選項的保單條款。"],"zh-hans":["可续保 / 保费及续保条件视所选认可选项而定，详见该选项的保单条款。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00034/F00034-01-000-05-PlanDoc-e.pdf","page":null,"title":"Health Bureau — AXA WiseGuard Pro Medical Insurance Plan certified policy terms (first listed option)","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"Renewal age limits and conditions follow the selected certified option.","zh-hant":"續保年齡上限及條件以所選認可選項為準。","zh-hans":"续保年龄上限及条件以所选认可选项为准。"}},"display":{"en":["Renewable / Renewal age limits and conditions follow the selected certified option."],"zh-hant":["可續保 / 續保年齡上限及條件以所選認可選項為準。"],"zh-hans":["可续保 / 续保年龄上限及条件以所选认可选项为准。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00034/F00034-01-000-05-PlanDoc-e.pdf","page":null,"title":"Health Bureau — AXA WiseGuard Pro Medical Insurance Plan certified policy terms (first listed option)","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau; benefits and exclusions follow the selected certified plan version.","zh-hant":"醫務衞生局名單上的自願醫保靈活計劃；保障及不保事項以所選認可計劃版本為準。","zh-hans":"医务卫生局名单上的自愿医保灵活计划；保障及不保事项以所选认可计划版本为准。"},{"en":"Regular / Enhance annual limits: HKD5 million / HKD25 million; no lifetime limit. Policy conditions apply.","zh-hant":"標準及卓越保障級別每年保障限額分別為500萬及2,500萬港元，不設終身限額；受保單條款約束。","zh-hans":"标准及卓越保障级别每年保障限额分别为500万及2,500万港元，不设终身限额；受保单条款约束。"},{"en":"Example certified option: Regular (HKD0 Deductible) (HKD). Other options have separate terms.","zh-hant":"認可選項例子：標準（0 港元自付費）（HKD）。其他選項另有條款。","zh-hans":"认可选项例子：标准（0 港元自付费）（HKD）。其他选项另有条款。"}],"display":{"en":["VHIS Flexi Plan listed by the Health Bureau; benefits and exclusions follow the selected certified plan version.","Regular / Enhance annual limits: HKD5 million / HKD25 million; no lifetime limit. Policy conditions apply.","Example certified option: Regular (HKD0 Deductible) (HKD). Other options have separate terms."],"zh-hant":["醫務衞生局名單上的自願醫保靈活計劃；保障及不保事項以所選認可計劃版本為準。","標準及卓越保障級別每年保障限額分別為500萬及2,500萬港元，不設終身限額；受保單條款約束。","認可選項例子：標準（0 港元自付費）（HKD）。其他選項另有條款。"],"zh-hans":["医务卫生局名单上的自愿医保灵活计划；保障及不保事项以所选认可计划版本为准。","标准及卓越保障级别每年保障限额分别为500万及2,500万港元，不设终身限额；受保单条款约束。","认可选项例子：标准（0 港元自付费）（HKD）。其他选项另有条款。"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.axa.com.hk/en/axa-wiseguard-pro-medical-insurance-plan","page":null,"title":"AXA WiseGuard Pro Medical Insurance Plan — official page and linked public brochure","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]},{"slug":"manulife-first-vhis","names":{"en":"Manulife First VHIS Flexi Plan","zh-hant":"宏利全護航自願醫保靈活計劃","zh-hans":"宏利全护航自愿医保灵活计划"},"nameBasis":"insurer-published","insurerSlug":"manulife-international-limited","productPaths":["/insurers/manulife-international-limited/manulife-first-vhis/","/zh-hant/insurers/manulife-international-limited/manulife-first-vhis/","/zh-hans/insurers/manulife-international-limited/manulife-first-vhis/"],"insurerPaths":["/insurers/manulife-international-limited/","/zh-hant/insurers/manulife-international-limited/","/zh-hans/insurers/manulife-international-limited/"],"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 benefit levels","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/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"Pay each policy year throughout life; premiums are not guaranteed.","zh-hant":"終身每保單年度繳費；保費並非保證。","zh-hans":"终身每保单年度缴费；保费并非保证。"}}],"display":{"en":["Renewable / Pay each policy year throughout life; premiums are not guaranteed."],"zh-hant":["可續保 / 終身每保單年度繳費；保費並非保證。"],"zh-hans":["可续保 / 终身每保单年度缴费；保费并非保证。"]},"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-first-vhis-flexi-plan.html","page":null,"title":"Manulife First VHIS Flexi Plan — official page and linked leaflet","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"One-year cover with guaranteed annual renewal throughout life on payment of premium.","zh-hant":"一年保障；繳付保費後保證終身每年續保。","zh-hans":"一年保障；缴付保费后保证终身每年续保。"}},"display":{"en":["Renewable / One-year cover with guaranteed annual renewal throughout life on payment of premium."],"zh-hant":["可續保 / 一年保障；繳付保費後保證終身每年續保。"],"zh-hans":["可续保 / 一年保障；缴付保费后保证终身每年续保。"]},"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-first-vhis-flexi-plan.html","page":null,"title":"Manulife First VHIS Flexi Plan — official page and linked leaflet","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau; benefits and exclusions follow the selected certified plan version.","zh-hant":"醫務衞生局名單上的自願醫保靈活計劃；保障及不保事項以所選認可計劃版本為準。","zh-hans":"医务卫生局名单上的自愿医保灵活计划；保障及不保事项以所选认可计划版本为准。"},{"en":"Example certified option: Ward (HKD). Other options have separate terms.","zh-hant":"認可選項例子：普通房（HKD）。其他選項另有條款。","zh-hans":"认可选项例子：普通房（HKD）。其他选项另有条款。"}],"display":{"en":["VHIS Flexi Plan listed by the Health Bureau; benefits and exclusions follow the selected certified plan version.","Example certified option: Ward (HKD). Other options have separate terms."],"zh-hant":["醫務衞生局名單上的自願醫保靈活計劃；保障及不保事項以所選認可計劃版本為準。","認可選項例子：普通房（HKD）。其他選項另有條款。"],"zh-hans":["医务卫生局名单上的自愿医保灵活计划；保障及不保事项以所选认可计划版本为准。","认可选项例子：普通房（HKD）。其他选项另有条款。"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]},{"slug":"manulife-shelter-vhis","names":{"en":"Manulife Shelter VHIS Standard Plan","zh-hant":"宏利愛守護自願醫保標準計劃","zh-hans":"宏利爱守护自愿医保标准计划"},"nameBasis":"insurer-published","insurerSlug":"manulife-international-limited","productPaths":["/insurers/manulife-international-limited/manulife-shelter-vhis/","/zh-hant/insurers/manulife-international-limited/manulife-shelter-vhis/","/zh-hans/insurers/manulife-international-limited/manulife-shelter-vhis/"],"insurerPaths":["/insurers/manulife-international-limited/","/zh-hant/insurers/manulife-international-limited/","/zh-hans/insurers/manulife-international-limited/"],"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.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-shelter-vhis-standard-plan.html","page":null,"title":"Manulife Shelter VHIS Standard Plan — official product page","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulife-shelter-vhis-standard-plan-leaflet.pdf","page":10,"title":"Manulife Shelter VHIS Standard Plan — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"Pay each policy year up to age 100; premiums are not guaranteed.","zh-hant":"每保單年度繳費至100歲；保費並非保證。","zh-hans":"每保单年度缴费至100岁；保费并非保证。"}}],"display":{"en":["Renewable / Pay each policy year up to age 100; premiums are not guaranteed."],"zh-hant":["可續保 / 每保單年度繳費至100歲；保費並非保證。"],"zh-hans":["可续保 / 每保单年度缴费至100岁；保费并非保证。"]},"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulife-shelter-vhis-standard-plan-leaflet.pdf","page":10,"title":"Manulife Shelter VHIS Standard Plan — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"One-year cover; guaranteed annual renewal up to age 100 on payment of premium.","zh-hant":"一年保障；繳付保費後保證每年續保至100歲。","zh-hans":"一年保障；缴付保费后保证每年续保至100岁。"}},"display":{"en":["Renewable / One-year cover; guaranteed annual renewal up to age 100 on payment of premium."],"zh-hant":["可續保 / 一年保障；繳付保費後保證每年續保至100歲。"],"zh-hans":["可续保 / 一年保障；缴付保费后保证每年续保至100岁。"]},"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulife-shelter-vhis-standard-plan-leaflet.pdf","page":10,"title":"Manulife Shelter VHIS Standard Plan — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"issueAges","value":[{"min":{"value":15,"unit":"days"},"max":{"value":80,"unit":"years"},"basis":"actual","notes":null}],"display":{"en":["15 days – 80 years / Age basis: Actual age"],"zh-hant":["15 日 – 80 年 / 年齡基準: 實際年齡"],"zh-hans":["15 日 – 80 年 / 年龄基准: 实际年龄"]},"sources":[{"url":"https://www.manulife.com.hk/content/dam/insurance/hk/en/documents/products/health/manulife-shelter-vhis-standard-plan-leaflet.pdf","page":10,"title":"Manulife Shelter VHIS Standard Plan — public leaflet, plan at a glance","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Certified VHIS Standard Plan; annual benefit limit HKD420,000.","zh-hant":"認可自願醫保標準計劃；每年保障限額420,000港元。","zh-hans":"认可自愿医保标准计划；每年保障限额420,000港元。"},{"en":"Room and board: HKD750 per day, up to 180 days per policy year; benefit limits and exclusions apply.","zh-hant":"病房及膳食每日750港元，每保單年度最多180日；受保障限額及不保事項約束。","zh-hans":"病房及膳食每日750港元，每保单年度最多180日；受保障限额及不保事项约束。"}],"display":{"en":["Certified VHIS Standard Plan; annual benefit limit HKD420,000.","Room and board: HKD750 per day, up to 180 days per policy year; benefit limits and exclusions apply."],"zh-hant":["認可自願醫保標準計劃；每年保障限額420,000港元。","病房及膳食每日750港元，每保單年度最多180日；受保障限額及不保事項約束。"],"zh-hans":["认可自愿医保标准计划；每年保障限额420,000港元。","病房及膳食每日750港元，每保单年度最多180日；受保障限额及不保事项约束。"]},"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-shelter-vhis-standard-plan.html","page":null,"title":"Manulife Shelter VHIS Standard Plan — official product page","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]},{"slug":"manulife-supreme-vhis","names":{"en":"Manulife Supreme VHIS Flexi Plan","zh-hant":"宏利晉悅自願醫保靈活計劃","zh-hans":"宏利晋悦自愿医保灵活计划"},"nameBasis":"insurer-published","insurerSlug":"manulife-international-limited","productPaths":["/insurers/manulife-international-limited/manulife-supreme-vhis/","/zh-hant/insurers/manulife-international-limited/manulife-supreme-vhis/","/zh-hans/insurers/manulife-international-limited/manulife-supreme-vhis/"],"insurerPaths":["/insurers/manulife-international-limited/","/zh-hant/insurers/manulife-international-limited/","/zh-hans/insurers/manulife-international-limited/"],"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 benefit levels","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/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"Pay each policy year throughout life; premiums are not guaranteed.","zh-hant":"終身每保單年度繳費；保費並非保證。","zh-hans":"终身每保单年度缴费；保费并非保证。"}}],"display":{"en":["Renewable / Pay each policy year throughout life; premiums are not guaranteed."],"zh-hant":["可續保 / 終身每保單年度繳費；保費並非保證。"],"zh-hans":["可续保 / 终身每保单年度缴费；保费并非保证。"]},"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html","page":null,"title":"Manulife Supreme VHIS Flexi Plan — official page and linked leaflet","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"One-year cover with guaranteed annual renewal throughout life on payment of premium.","zh-hant":"一年保障；繳付保費後保證終身每年續保。","zh-hans":"一年保障；缴付保费后保证终身每年续保。"}},"display":{"en":["Renewable / One-year cover with guaranteed annual renewal throughout life on payment of premium."],"zh-hant":["可續保 / 一年保障；繳付保費後保證終身每年續保。"],"zh-hans":["可续保 / 一年保障；缴付保费后保证终身每年续保。"]},"sources":[{"url":"https://www.manulife.com.hk/en/individual/products/health/vhis/voluntary-health-insurance-scheme/manulife-supreme-vhis-flexi-plan.html","page":null,"title":"Manulife Supreme VHIS Flexi Plan — official page and linked leaflet","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau; benefits and exclusions follow the selected certified plan version.","zh-hant":"醫務衞生局名單上的自願醫保靈活計劃；保障及不保事項以所選認可計劃版本為準。","zh-hans":"医务卫生局名单上的自愿医保灵活计划；保障及不保事项以所选认可计划版本为准。"},{"en":"Example certified option: Advance (HKD0 Deductible) (HKD). Other options have separate terms.","zh-hant":"認可選項例子：精選（0 港元自付費）（HKD）。其他選項另有條款。","zh-hans":"认可选项例子：精选（0 港元自付费）（HKD）。其他选项另有条款。"}],"display":{"en":["VHIS Flexi Plan listed by the Health Bureau; benefits and exclusions follow the selected certified plan version.","Example certified option: Advance (HKD0 Deductible) (HKD). Other options have separate terms."],"zh-hant":["醫務衞生局名單上的自願醫保靈活計劃；保障及不保事項以所選認可計劃版本為準。","認可選項例子：精選（0 港元自付費）（HKD）。其他選項另有條款。"],"zh-hans":["医务卫生局名单上的自愿医保灵活计划；保障及不保事项以所选认可计划版本为准。","认可选项例子：精选（0 港元自付费）（HKD）。其他选项另有条款。"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]},{"slug":"pruhealth-corechoice","names":{"en":"PRUHealth CoreChoice Medical Plan","zh-hant":"保誠自主醫保計劃","zh-hans":"保诚自主医保计划"},"nameBasis":"insurer-published","insurerSlug":"prudential-hong-kong-limited","productPaths":["/insurers/prudential-hong-kong-limited/pruhealth-corechoice/","/zh-hant/insurers/prudential-hong-kong-limited/pruhealth-corechoice/","/zh-hans/insurers/prudential-hong-kong-limited/pruhealth-corechoice/"],"insurerPaths":["/insurers/prudential-hong-kong-limited/","/zh-hant/insurers/prudential-hong-kong-limited/","/zh-hans/insurers/prudential-hong-kong-limited/"],"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.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/pruhealth-corechoice-medical-plan/","page":null,"title":"PRUHealth CoreChoice Medical Plan — official product page","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-corechoice-medical-plan-product-brochure.pdf","page":13,"title":"PRUHealth CoreChoice Medical Plan — public brochure","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"Pay on annual renewal up to attained age 100; rates are not guaranteed.","zh-hant":"按年續保繳費至實際年齡100歲；保費率並非保證。","zh-hans":"按年续保缴费至实际年龄100岁；保费率并非保证。"}}],"display":{"en":["Renewable / Pay on annual renewal up to attained age 100; rates are not guaranteed."],"zh-hant":["可續保 / 按年續保繳費至實際年齡100歲；保費率並非保證。"],"zh-hans":["可续保 / 按年续保缴费至实际年龄100岁；保费率并非保证。"]},"sources":[{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-corechoice-medical-plan-product-brochure.pdf","page":13,"title":"PRUHealth CoreChoice Medical Plan — public brochure","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"to-age","value":100,"notes":{"en":"Annual renewal; premiums may change at renewal.","zh-hant":"每年續保；續保保費可能調整。","zh-hans":"每年续保；续保保费可能调整。"}},"display":{"en":["To age 100 / Annual renewal; premiums may change at renewal."],"zh-hant":["至年齡 100 / 每年續保；續保保費可能調整。"],"zh-hans":["至年龄 100 / 每年续保；续保保费可能调整。"]},"sources":[{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-corechoice-medical-plan-product-brochure.pdf","page":13,"title":"PRUHealth CoreChoice Medical Plan — public brochure","date":null,"checkedOn":"2026-10-12"}]},{"field":"issueAges","value":[{"min":{"value":15,"unit":"days"},"max":{"value":80,"unit":"years"},"basis":"actual","notes":{"en":"Hong Kong residents only; basic plan or supplementary benefit.","zh-hant":"只供香港居民投保；設基本計劃或附加保障。","zh-hans":"只供香港居民投保；设基本计划或附加保障。"}}],"display":{"en":["15 days – 80 years / Age basis: Actual age / Hong Kong residents only; basic plan or supplementary benefit."],"zh-hant":["15 日 – 80 年 / 年齡基準: 實際年齡 / 只供香港居民投保；設基本計劃或附加保障。"],"zh-hans":["15 日 – 80 年 / 年龄基准: 实际年龄 / 只供香港居民投保；设基本计划或附加保障。"]},"sources":[{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-corechoice-medical-plan-product-brochure.pdf","page":13,"title":"PRUHealth CoreChoice Medical Plan — public brochure","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Certified VHIS Standard Plan; annual benefit limit HKD420,000; no lifetime benefit limit.","zh-hant":"認可自願醫保標準計劃；每年保障限額420,000港元；不設終身保障限額。","zh-hans":"认可自愿医保标准计划；每年保障限额420,000港元；不设终身保障限额。"},{"en":"Hong Kong residents only; basic plan or supplementary benefit.","zh-hant":"只供香港居民投保；設基本計劃或附加保障。","zh-hans":"只供香港居民投保；设基本计划或附加保障。"}],"display":{"en":["Certified VHIS Standard Plan; annual benefit limit HKD420,000; no lifetime benefit limit.","Hong Kong residents only; basic plan or supplementary benefit."],"zh-hant":["認可自願醫保標準計劃；每年保障限額420,000港元；不設終身保障限額。","只供香港居民投保；設基本計劃或附加保障。"],"zh-hans":["认可自愿医保标准计划；每年保障限额420,000港元；不设终身保障限额。","只供香港居民投保；设基本计划或附加保障。"]},"sources":[{"url":"https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/pruhealth-corechoice-medical-plan/","page":null,"title":"PRUHealth CoreChoice Medical Plan — official product page","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]},{"slug":"pruhealth-vhis-vip","names":{"en":"PRUHealth VHIS VIP Plan","zh-hant":"保誠自願醫保尚賓計劃","zh-hans":"保诚自愿医保尚宾计划"},"nameBasis":"insurer-published","insurerSlug":"prudential-hong-kong-limited","productPaths":["/insurers/prudential-hong-kong-limited/pruhealth-vhis-vip/","/zh-hant/insurers/prudential-hong-kong-limited/pruhealth-vhis-vip/","/zh-hans/insurers/prudential-hong-kong-limited/pruhealth-vhis-vip/"],"insurerPaths":["/insurers/prudential-hong-kong-limited/","/zh-hant/insurers/prudential-hong-kong-limited/","/zh-hans/insurers/prudential-hong-kong-limited/"],"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.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/pruhealth-vhis-vip-plan/","page":null,"title":"PRUHealth VHIS VIP Plan — official product page","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.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-vhis-vip-plan-en.pdf","page":18,"title":"PRUHealth VHIS VIP Plan — public brochure","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"Pay on annual renewal for life; rates are not guaranteed.","zh-hant":"終身按年續保繳費；保費率並非保證。","zh-hans":"终身按年续保缴费；保费率并非保证。"}}],"display":{"en":["Renewable / Pay on annual renewal for life; rates are not guaranteed."],"zh-hant":["可續保 / 終身按年續保繳費；保費率並非保證。"],"zh-hans":["可续保 / 终身按年续保缴费；保费率并非保证。"]},"sources":[{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-vhis-vip-plan-en.pdf","page":18,"title":"PRUHealth VHIS VIP Plan — public brochure","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"whole-life","value":null,"notes":{"en":"Annual renewal; premiums may change at renewal.","zh-hant":"每年續保；續保保費可能調整。","zh-hans":"每年续保；续保保费可能调整。"}},"display":{"en":["Whole life / Annual renewal; premiums may change at renewal."],"zh-hant":["終身 / 每年續保；續保保費可能調整。"],"zh-hans":["终身 / 每年续保；续保保费可能调整。"]},"sources":[{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-vhis-vip-plan-en.pdf","page":18,"title":"PRUHealth VHIS VIP Plan — public brochure","date":null,"checkedOn":"2026-10-12"}]},{"field":"issueAges","value":[{"min":{"value":15,"unit":"days"},"max":{"value":80,"unit":"years"},"basis":"actual","notes":{"en":"Hong Kong residents only; basic plan or supplementary benefit.","zh-hant":"只供香港居民投保；設基本計劃或附加保障。","zh-hans":"只供香港居民投保；设基本计划或附加保障。"}}],"display":{"en":["15 days – 80 years / Age basis: Actual age / Hong Kong residents only; basic plan or supplementary benefit."],"zh-hant":["15 日 – 80 年 / 年齡基準: 實際年齡 / 只供香港居民投保；設基本計劃或附加保障。"],"zh-hans":["15 日 – 80 年 / 年龄基准: 实际年龄 / 只供香港居民投保；设基本计划或附加保障。"]},"sources":[{"url":"https://www.prudential.com.hk/content/dam/prudential-phkl/pdf/en/brochure/pruhealth-vhis-vip-plan-en.pdf","page":18,"title":"PRUHealth VHIS VIP Plan — public brochure","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"Certified VHIS Flexi Plan; Asia (including Australia and New Zealand) or worldwide except USA cover.","zh-hant":"認可自願醫保靈活計劃；可選亞洲（包括澳洲及紐西蘭）或全球美國除外保障。","zh-hans":"认可自愿医保灵活计划；可选亚洲（包括澳洲及新西兰）或全球美国除外保障。"},{"en":"HKD limits: annual HKD12,000,000 and lifetime HKD56,000,000; benefit terms and deductible apply.","zh-hant":"港元限額：每年12,000,000港元、終身56,000,000港元；受保障條款及自付額約束。","zh-hans":"港元限额：每年12,000,000港元、终身56,000,000港元；受保障条款及自付额约束。"},{"en":"Hong Kong residents only; basic plan or supplementary benefit.","zh-hant":"只供香港居民投保；設基本計劃或附加保障。","zh-hans":"只供香港居民投保；设基本计划或附加保障。"}],"display":{"en":["Certified VHIS Flexi Plan; Asia (including Australia and New Zealand) or worldwide except USA cover.","HKD limits: annual HKD12,000,000 and lifetime HKD56,000,000; benefit terms and deductible apply.","Hong Kong residents only; basic plan or supplementary benefit."],"zh-hant":["認可自願醫保靈活計劃；可選亞洲（包括澳洲及紐西蘭）或全球美國除外保障。","港元限額：每年12,000,000港元、終身56,000,000港元；受保障條款及自付額約束。","只供香港居民投保；設基本計劃或附加保障。"],"zh-hans":["认可自愿医保灵活计划；可选亚洲（包括澳洲及新西兰）或全球美国除外保障。","港元限额：每年12,000,000港元、终身56,000,000港元；受保障条款及自付额约束。","只供香港居民投保；设基本计划或附加保障。"]},"sources":[{"url":"https://www.prudential.com.hk/en/products/health/medical/prudential-VHIS-series/pruhealth-vhis-vip-plan/","page":null,"title":"PRUHealth VHIS VIP Plan — official product page","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]},{"slug":"axa-smart-medicare","names":{"en":"Smart Medicare","zh-hant":"真智安心醫療保障","zh-hans":null},"nameBasis":"insurer-published","insurerSlug":"axa-china-region-insurance-company-hong-kong-limited","productPaths":["/insurers/axa-china-region-insurance-company-hong-kong-limited/axa-smart-medicare/","/zh-hant/insurers/axa-china-region-insurance-company-hong-kong-limited/axa-smart-medicare/","/zh-hans/insurers/axa-china-region-insurance-company-hong-kong-limited/axa-smart-medicare/"],"insurerPaths":["/insurers/axa-china-region-insurance-company-hong-kong-limited/","/zh-hant/insurers/axa-china-region-insurance-company-hong-kong-limited/","/zh-hans/insurers/axa-china-region-insurance-company-hong-kong-limited/"],"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 benefit levels","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 benefit levels","date":null,"checkedOn":"2026-10-12"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"Premiums and renewal conditions depend on the selected certified option; consult its policy terms.","zh-hant":"保費及續保條件視所選認可選項而定，詳見該選項的保單條款。","zh-hans":"保费及续保条件视所选认可选项而定，详见该选项的保单条款。"}}],"display":{"en":["Renewable / Premiums and renewal conditions depend on the selected certified option; consult its policy terms."],"zh-hant":["可續保 / 保費及續保條件視所選認可選項而定，詳見該選項的保單條款。"],"zh-hans":["可续保 / 保费及续保条件视所选认可选项而定，详见该选项的保单条款。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00017/F00017-01-000-04-PlanDoc-e.pdf","page":null,"title":"Health Bureau — Smart Medicare certified policy terms (first listed option)","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"Renewal age limits and conditions follow the selected certified option.","zh-hant":"續保年齡上限及條件以所選認可選項為準。","zh-hans":"续保年龄上限及条件以所选认可选项为准。"}},"display":{"en":["Renewable / Renewal age limits and conditions follow the selected certified option."],"zh-hant":["可續保 / 續保年齡上限及條件以所選認可選項為準。"],"zh-hans":["可续保 / 续保年龄上限及条件以所选认可选项为准。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00017/F00017-01-000-04-PlanDoc-e.pdf","page":null,"title":"Health Bureau — Smart Medicare certified policy terms (first listed option)","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau; benefits and exclusions follow the selected certified plan version.","zh-hant":"醫務衞生局名單上的自願醫保靈活計劃；保障及不保事項以所選認可計劃版本為準。","zh-hans":"医务卫生局名单上的自愿医保灵活计划；保障及不保事项以所选认可计划版本为准。"},{"en":"Example certified option: Regular (HKD) (HKD). Other options have separate terms.","zh-hant":"認可選項例子：標準 (港元)（HKD）。其他選項另有條款。","zh-hans":"认可选项例子：标准 (港元)（HKD）。其他选项另有条款。"}],"display":{"en":["VHIS Flexi Plan listed by the Health Bureau; benefits and exclusions follow the selected certified plan version.","Example certified option: Regular (HKD) (HKD). Other options have separate terms."],"zh-hant":["醫務衞生局名單上的自願醫保靈活計劃；保障及不保事項以所選認可計劃版本為準。","認可選項例子：標準 (港元)（HKD）。其他選項另有條款。"],"zh-hans":["医务卫生局名单上的自愿医保灵活计划；保障及不保事项以所选认可计划版本为准。","认可选项例子：标准 (港元)（HKD）。其他选项另有条款。"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and benefit levels","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]}]}