第 5–7 步涉及儲蓄保險方案，須先與持牌顧問完成財務需要分析（FNA），所以不在網上開放。第 1–4 步可自由使用。
幾項資料，看看未來的醫保開支。
載入中…
保費來自所選計劃的保費表；未來加幅及儲備回報只屬假設。試算年齡並不代表保證可續保至該歲數，實際保障及保費以保單條款為準。
「醫療儲備」是預先為將來的醫療保險保費準備一筆錢。你可以選擇年齡及自願醫保計劃，再調整假設每年保費加幅和試算年齡，逐步了解未來不同階段，包括退休後的保費開支。
試算按計劃現有的年齡保費表及你設定的每年加幅推算，結果僅供規劃參考，並非將來的保費報價或續保承諾。實際保費及續保條件以保險公司公布的資料和保單條款為準。
VHISGuide 自願醫保攻略網是香港自願醫保計劃比較網站，並提供保費及醫療費用的參考估算工具。
本站由 Leo Chan 營運：受 FWD Life Insurance (Bermuda) Limited 委任的持牌保險中介人（IA #JF4352）。
按「我同意」即表示閣下確認身處香港，並已閱讀及同意下方的使用條款及免責聲明。
本網站之資料僅供身處香港特別行政區之人士參考，並不構成於香港境外作出的任何保險產品要約、邀請、招攬、推薦或銷售。如閣下並非身處香港，請即時離開本網站。
The information on this website is intended only for persons located in the Hong Kong Special Administrative Region. It does NOT constitute any offer, invitation, solicitation, recommendation, or sale of insurance products outside Hong Kong. If you are not located in Hong Kong, please leave this website now.
本網站「VHISGuide 自願醫保攻略網」(VHISGuide.com) 提供香港自願醫保計劃 (VHIS) 的資料對比、保費走勢分析、及賠償試算工具，僅供參考及教育用途，並非保險意見、推薦或任何形式的專業財務 / 醫療建議。
This website ("VHISGuide", VHISGuide.com) provides comparison information, premium trend analysis, and reimbursement calculators for Hong Kong Voluntary Health Insurance (VHIS) plans for reference and educational purposes only. It does NOT constitute insurance advice, recommendations, or any form of professional financial / medical advice.
計劃資料來源主要為自願醫保認可產品名冊 (vhis.gov.hk) 及各保險公司公佈之保單條款。本站盡力保持資料準確，但條款及保費可能更新；任何投保決定前，請以保險公司最新官方文件為準。
Plan data is sourced primarily from the VHIS Certified Plan Registry (vhis.gov.hk) and insurers' published terms. We make best-effort to keep data accurate but terms and premiums may update; users must verify against the insurer's official documents before any purchase decision.
理賠預算工具基於假設費用情境及每份計劃結構性條款計算，僅為粗略估算。實際賠付會受保單條款、等候期、既往症、共同保險、自付費、預先批核等因素影響，並可能與本站估算不同。
The reimbursement calculator estimates payouts based on hypothetical case-cost scenarios and each plan's structured terms. Actual reimbursements depend on policy terms, waiting periods, pre-existing conditions, coinsurance, deductibles, pre-authorization, and other underwriting factors and may differ from our estimates.
案例研究中的醫療費用為香港私家醫院公開公佈的參考數據綜合估算，實際醫院賬單會因醫生、醫院、病情複雜度、手術方式而有大幅差異。
Case-study medical costs are reference figures aggregated from publicly published HK private hospital fee schedules. Actual bills vary significantly by doctor, hospital, complexity, and surgical technique.
使用本網站完全屬閣下自願行為。本站及其營運者對因使用、依賴本網站資料而引致之任何直接、間接、偶發或後果性損失，概不負責。
Use of this website is entirely at your own risk. The site and its operators shall not be liable for any direct, indirect, incidental, or consequential losses arising from use of or reliance on the information herein.
按下「我同意 / I Accept」即表示閣下確認身處香港、已閱讀、明白並同意以上所有條款。
By clicking "我同意 / I Accept" you confirm you are located in Hong Kong and have read, understood, and accepted all of the above terms.
本站使用 localStorage 記錄您的同意 / This site uses localStorage to remember your acceptance.