Scoring and Premium

Scoring Methodology

Coverage score

We consider the plans as being a tree of benefits. The benefits themselves are an aggregate of sub-benefits, which in turn, are an aggregate of sub-sub benefits, etc.

We consider the following parent benefits:

  • Hospital Room and Board
  • Miscellaneous Charges
  • Attending Doctor’s Visit Fee
  • Specialist’s Consultations and Visits
  • Intensive Care
  • Surgeon’s Fee
  • Anaesthetist’s Fee
  • Operating Room
  • Prescribed Advanced Diagnostic Imaging Tests
  • Prescribed Non-surgical Cancer Treatments
  • Pre and Post-confinement or Day Case Procedure Outpatient Care
  • Psychiatric Treatment
  • Outpatient Kidney Dialysis
  • Home Nursing
  • Emergency Outpatient Treatment
  • Supplemental Major Medical Benefits
  • Death Benefit
  • Accidental Death
  • Death Benefit for Organ Donor
  • Hospital Cash Benefit
  • Outpatient Surgery Cash Allowance

We score each of these benefits as well as their child benefits. If a benefit has no limits, it would reach its maximum potential and therefore its maximum score. We then take the plan for which the specified benefit has the highest limit and attribute to it 90% of the maximum score. We set that highest limit as a baseline to score proportionally the other plans for that specific benefit. We then sum all the scores to get the total coverage score of the plan.

Value score

The value score is a ratio of the coverage score of a plan by the price of the plan multiplied by a factor which allows easy value comparison between plans. This factor is the same for every plan.


This website serves as reference

This website only serves as reference, showing the annual standard premiums of all plans for easy comparison. Where premiums are only charged on an instalment basis e.g. quarterly or monthly installment, the premiums are annualised according to the instalment basis nearest the annual basis.

There may be specific details that are not shown in this page, including but not limited to possible premium differences under different payment modes (e.g. credit card, cash), premium discounts, and premium loadings due to higher health risks of insured persons.

The premium of all plans are normally age-banded and subject to adjustment upon policy renewal. This means that the standard premiums for the ages higher than your current age in the premium schedule are subject to adjustment when you reach those ages. You are advised to consider this factor as health insurance is a long-term protection by nature.

Apart from comparing premiums, you are also advised to consider your needs and budgets, check carefully the terms and benefits of insurance plans, understand your rights and obligations, and compare product features of different insurance plans.

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