Comparison
Compare insurance products
Representative products from major Hong Kong insurers. Illustrative sample data — verify with the insurer before deciding.
Sample premium assumes a 35-year-old non-smoker, HK$1M sum assured for Life, HK$500k for CI, standard plan for Medical. Real quotations vary widely.
| Insurer | Product | Type | Age range | Sample premium / yr | Highlights |
|---|---|---|---|---|---|
| FWD | Savie Term | Term Life | 18–65 | HK$2,150 | Online applicationLower cost20-year term |
| Prudential | Term Essential | Term Life | 18–70 | HK$2,280 | 10/20/30 year termsOptional CI rider |
| AIA | Term Pro 20 | Term Life | 18–65 | HK$2,400 | 20-year level termRenewableConvertible to whole life |
| Bupa | CI Shield | Critical Illness | 18–65 | HK$6,450 | Early-stage coverPremium waiver on diagnosis |
| HSBC Life | MultiCare CI | Critical Illness | 0–65 | HK$6,900 | 100+ illnesses coveredMulti-claim cancer benefit |
| Bupa | VHIS Flexi | Medical | 0–80 | HK$9,800 | Certified VHIS planTax deduction up to HK$8,000No lifetime cap |
| AIA | VHIS Jubilee | Medical | 0–80 | HK$10,500 | VHIS FlexiOptional supplementary benefits |
| Manulife | ShinePlus VHIS | Medical | 0–80 | HK$11,200 | VHIS FlexiOverseas treatment add-on |
| Manulife | Whole Life Classic | Whole Life | 0–70 | HK$28,500 | Lifetime coverCash value accumulationDividend participating |
| AXA | Wholelife Supreme | Whole Life | 0–70 | HK$31,000 | Premium term 10/15/20Surrender value guaranteed component |