CIMB Health Plus

CIMB Health Plus commands the lowest annual premium among the Top 5 at just HK$13,000, making it the most budget-friendly choice for price-conscious families. Outpatient coverage is capped at HK$7,000 per year, yet inpatient care is unlimited across a network of 400+ hospitals — the largest network of any plan on this list. It is 20% cheaper than the runner-up in the Top 5 while still providing extensive hospital access, verified on the CIMB website in April 2026. This combination of low premium and vast network makes it a standout for value-driven customers.