FWD vCare Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00015-01-000-03. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$3,996 |
| 45 | HK$6,282 |
| 60 | HK$10,423 |
| 75 | HK$20,042 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$520,000 |
| Lifetime limit | None |
| Room and board | HK$850 |
| Hospital charges | HK$14,500 |
| Doctor's visits | HK$850 |
| Specialist fees | HK$6,000 |
| Intensive care | HK$4,500 |
| Surgeon's fee | HK$70,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$120,000 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$30,000 |
Also includes dental, hospital cash, rehabilitation, hospice care, a death benefit.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | 100 p.16 |
|---|---|
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.26 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period. Pro-rata refund if terminated due to death or company ceasing authorization. p.6 |
| Switching from another plan | Possible to switch to another plan with re-underwriting for upgrades, or at company's discretion for downgrades p.18 |
| Room class | not restricted p.21 |
| Geographical cover | worldwide p.21 |
| Psychiatric treatment area | Hong Kong only p.25 |
| Emergency treatment abroad | covered worldwide p.21 |
| Full cover on core benefits | no p.46 |
| Annual limit | 520000 p.46 |
| Lifetime limit | none p.46 |
| Deductible options | none |
| Coinsurance | none |
| Pre-admission outpatient | 1 visit per confinement/day case procedure, up to HKD 580 per visit, up to HKD 6,000 per policy year p.46 |
| Post-discharge outpatient | 6 visits per confinement/day case procedure within 90 days, up to HKD 580 per visit, up to HKD 6,000 per policy year p.46 |
| General outpatient | none |
| Psychiatric treatment | HKD 30,000 per Policy Year p.46 |
| Diagnostic imaging coinsurance | 30% p.46 |
| Non-surgical cancer treatment | HKD 120,000 per Policy Year p.46 |
| Kidney dialysis | not stated |
| Day case procedures | Covered as in-patient, plus cash benefit of HKD 1,600 per designated procedure at designated provider, or HKD 800 per other procedure p.46 |
| Home nursing | none |
| Hospice care | none p.33 |
| Chinese medicine | none p.29 |
| Physiotherapy | Covered during confinement and for 6 post-discharge outpatient visits, up to HKD 580 per visit, up to HKD 6,000 per policy year p.46 |
| Congenital conditions | Covered from age 8 p.29 |
| Pregnancy complications | none p.29 |
| Emergency dental | HKD 20,000 per Policy Year for treatment due to injury within 2 weeks of accident p.46 |
| Hospital cash | HKD 800 per day for up to 60 days per policy year, if covered by other hospital reimbursement plans p.46 |
| Companion bed | none |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Available for designated Day Case Procedures at Designated Healthcare Services Providers p.41 |
| No-claim discount | 10% for 2-4 consecutive claim-free years, 15% for 5+ consecutive claim-free years p.43 |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted diseases; Hair Mineral Analysis (HMA); Purchase of durable medical equipment or appliances; Traditional Chinese medicine and other alternative treatments p.28 |
At a constant age of 45, FWD has filed 3 schedule changes on this plan since 2021, an average of +1.8% a year, taking the premium from HK$5,476 to HK$6,282.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +7.5% |
| 2024 | no change |
| 2025 | +2.6% |
| 2026 | +4.0% |
A record of what has been filed, not a forecast of what you will pay.
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.