FWD vPrime Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00045-01-000-05. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$14,056 |
| 45 | HK$19,717 |
| 60 | HK$40,190 |
| 75 | HK$100,595 |
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 | Semi-private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$16,500,000 |
| Lifetime limit | None |
| Room and board | Paid in full |
| Hospital charges | Paid in full |
| Doctor's visits | Paid in full |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | Paid in full |
| Anaesthetist | Paid in full |
| Operating theatre | Paid in full |
| Diagnostic imaging | Paid in full |
| Non-surgical cancer treatment | Paid in full |
| Outpatient before and after | Paid in full |
| Psychiatric treatment | Paid in full |
Also includes dental, maternity, a companion bed, hospital cash, rehabilitation, hospice care, kidney dialysis, reconstructive surgery, 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% for first 30 days of Policy Year 1, 100% from day 31 of Policy Year 1 p.26 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits paid; pro-rata refund upon death of Insured Person or Company ceasing authorization p.6 |
| Room class | Standard Semi-private Room (HK, Macau, Mainland China); Standard Private Room (rest of Asia, worldwide emergency) p.68 |
| If a higher room is used | If voluntarily confined in higher ward class: 50% of eligible expenses for Standard Private Room (from Semi-private), 25% for above Standard Private Room (from Semi-private or Private) p.55 |
| Geographical cover | Asia p.68 |
| Psychiatric treatment area | Hong Kong only p.55 |
| Emergency treatment abroad | Worldwide p.68 |
| Full cover on core benefits | yes p.69 |
| Annual limit | 16500000 p.68 |
| Lifetime limit | none p.68 |
| Deductible options | 0 p.68 |
| How the deductible applies | Per policy year, with a one-off right to reduce or remove at ages 50, 55, 60, 65, 70, 75, or 80 p.54 |
| Coinsurance | none p.69 |
| Pre-admission outpatient | Full cover for all prior outpatient visits within 31 days before admission (1 visit/day), or one prior visit more than 31 days before admission p.69 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge (1 visit/day) p.69 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.69 |
| Diagnostic imaging coinsurance | none p.69 |
| Non-surgical cancer treatment | Full cover p.69 |
| Kidney dialysis | Full cover for inpatient and outpatient kidney dialysis, plus HKD2,500,000 per policy year for expenses in excess of full cover p.70 |
| Day case procedures | Covered as in-patient with full cover for eligible expenses; cash benefit of HKD3,600 for designated procedures or HKD1,800 for others p.70 |
| Home nursing | Full cover for up to 196 days per policy year (within 196 days after discharge from hospital following surgery or ICU admission) p.69 |
| Hospice care | HKD100,000 per Policy Year p.69 |
| Chinese medicine | HKD600 per visit, max 15 visits per Confinement/Day Case Procedure (within 90 days after discharge) p.69 |
| Physiotherapy | Full cover for inpatient and post-discharge (90 days) physiotherapy; for stroke, HKD1,000 per visit, max 30 visits/year, HKD100,000 per incident p.69 |
| Congenital conditions | Covered from day 31 of Policy Year 1 if unknown at application p.26 |
| Pregnancy complications | Full cover for listed complications, subject to 12-month waiting period from Policy Effective Date or Renewal Date p.43 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, within 3 months of accident p.48 |
| Hospital cash | HKD1,700/day (max 30 days/year) for lower room class in HK private hospital; HKD1,000/day (max 60 days/year) for top-up subsidy; HKD12,000 per confinement for ICU in HK p.70 |
| Companion bed | Full cover p.69 |
| Direct billing and pre-authorisation | Available for designated Day Case Procedures through Designated Healthcare Services Providers network via service hotline p.50 |
| No-claim discount | 15% for 2-4 consecutive claim-free years, 20% for 5+ consecutive claim-free years, plus extra discount for multiple policies p.52 |
| Exclusions beyond the VHIS standard list | screening or surveillance procedures based on health/family history, Hair Mineral Analysis (HMA), immunisation or health supplements p.28 |
At a constant age of 45, FWD has filed 3 schedule changes on this plan since 2021, an average of +3.7% a year, taking the premium from HK$15,650 to HK$19,717.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +7.5% |
| 2024 | no change |
| 2025 | +8.6% |
| 2026 | +8.0% |
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.