FWD vCare Supreme Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00032-01-000-05. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$5,581 |
| 45 | HK$9,006 |
| 60 | HK$15,228 |
| 75 | HK$28,399 |
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 | None |
| Lifetime limit | None |
| Room and board | HK$1,000 |
| Hospital charges | HK$16,000 |
| Doctor's visits | HK$1,000 |
| Specialist fees | HK$6,000 |
| Intensive care | HK$4,500 |
| Surgeon's fee | HK$70,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | HK$20,000 |
| Diagnostic imaging | As stated in the schedule |
| Non-surgical cancer treatment | HK$120,000 |
| Outpatient before and after | HK$6,000 |
| Psychiatric treatment | HK$30,000 |
Also includes dental, a companion bed, hospital cash, rehabilitation, hospice care, kidney dialysis, 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 | No coverage for first 30 days of first Policy Year, full coverage from 31st day of first Policy Year onwards p.26 |
| Waiting period | 30 days for unknown pre-existing conditions p.26 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment has been made or is impending. p.6 |
| Switching from another plan | Possible to switch to another plan with upgraded/additional benefits, subject to re-underwriting for the upgraded/additional benefits. p.17 |
| Room class | Standard Ward Room p.58 |
| If a higher room is used | If voluntarily confined in a higher ward class, a ward class adjustment factor (50% for Standard Semi-private, 25% for Standard Private, 12.5% for above Standard Private) is applied to Supplementary Major Medical benefit. p.42 |
| 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.55 |
| Annual limit | Unlimited p.58 |
| Lifetime limit | None p.21 |
| Coinsurance | 15% for Supplementary Major Medical benefit p.58 |
| Pre-admission outpatient | HKD 580 per visit, 1 visit prior to Confinement/Day Case Procedure, up to HKD 6,000 per Policy Year (shared with post-discharge and Chinese medicine outpatient) p.56 |
| Post-discharge outpatient | HKD 580 per visit, 6 visits within 90 days after discharge/Day Case Procedure, up to HKD 6,000 per Policy Year (shared with pre-admission and Chinese medicine outpatient) p.56 |
| General outpatient | None |
| Psychiatric treatment | HKD 30,000 per Policy Year p.56 |
| Diagnostic imaging coinsurance | 30% for Prescribed Diagnostic Imaging Test performed in a setting for providing Medical Services to a Day Patient; none if performed during Confinement p.55 |
| Non-surgical cancer treatment | HKD 120,000 per Policy Year (Basic) + HKD 50,000 per Policy Year (Additional) = HKD 170,000 per Policy Year p.55 |
| Kidney dialysis | HKD 200,000 per Policy Year (Basic) + HKD 50,000 per Policy Year (Additional) = HKD 250,000 per Policy Year p.57 |
| Day case procedures | Covered as in-patient, with cash benefit of HKD 1,000 for designated procedures at designated providers or HKD 500 for other procedures p.22 |
| Home nursing | HKD 800 per day, maximum 30 days per Policy Year p.57 |
| Hospice care | HKD 10,000 per Policy Year p.57 |
| Chinese medicine | HKD 580 per visit, 6 visits within 90 days after discharge/Day Case Procedure, up to HKD 6,000 per Policy Year (shared with pre-admission and post-discharge outpatient) p.57 |
| Physiotherapy | Covered during Confinement under Miscellaneous charges (HKD 16,000 per Policy Year) and as follow-up outpatient care (HKD 580 per visit, up to HKD 6,000 per Policy Year) p.23 |
| Congenital conditions | Covered if manifested or diagnosed at or after age 8 p.29 |
| Pregnancy complications | None p.29 |
| Emergency dental | HKD 20,000 per Policy Year for emergency treatment to sound natural teeth due to injury, within 2 weeks of accident p.46 |
| Hospital cash | HKD 500 per day for top-up subsidy (max 60 days); HKD 1,000 per designated Day Case Procedure or HKD 500 per other Day Case Procedure p.58 |
| Companion bed | HKD 500 per day, maximum 30 days per Policy Year p.57 |
| No-claim discount | 15% for 2-4 consecutive claim-free years, 20% for 5+ consecutive claim-free years. Extra discount for multiple policies. p.50 |
| Exclusions beyond the VHIS standard list | Traditional Chinese medicine treatment and other alternative treatments (e.g., hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy). p.28 |
At a constant age of 45, FWD has filed 2 schedule changes on this plan since 2021, an average of +2.7% a year, taking the premium from HK$7,422 to HK$9,006.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | +9.0% |
| 2025 | +11.3% |
| 2026 | no change |
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.