Blue Cross Plus Health

Blue Cross Plus Health delivers the lowest annual premium on this list at just HK$9,800, making it the top choice for budget-conscious buyers. It covers unlimited inpatient hospitalization across a network of 350+ hospitals, with an outpatient cap of HK$4,500 per year. By offering the same unlimited inpatient benefit as #10 ACE Health Coverage but costing over HK$1,200 less annually, this plan saves you 12% while sacrificing only some outpatient breadth. The data, verified in April 2026, also shows that for members who rarely need outpatient care, the trade-off is minimal—making it an ideal entry point that prioritizes affordability without compromising core hospital protection.