FWD vPrime Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00045-02-000-05. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,572 |
| 45 | HK$9,370 |
| 60 | HK$19,735 |
| 75 | HK$50,111 |
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, the deductible waived for critical conditions, 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 p.26 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period (no benefit payment); after cooling-off, cancellation with 30 days written notice if no benefit payment during policy year p.6 |
| Switching from another plan | Switching to a plan with upgraded benefits requires re-underwriting limited to the upgrade; switching to a plan with downgraded benefits does not require re-underwriting. p.18 |
| Room class | Standard Semi-private Room (HK, Macau, Mainland China); Standard Private Room (rest of Asia, emergency outside Asia) p.68 |
| If a higher room is used | 50% of eligible expenses if Standard Semi-private to Standard Private (HK, Macau, Mainland China); 25% if Standard Semi-private to above Standard Private (HK, Macau, Mainland China) or Standard Private to above Standard Private (rest of Asia, emergency outside Asia) p.55 |
| Geographical cover | Asia for non-emergency treatment (including Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, Mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam); Worldwide for emergency treatment p.58 |
| Psychiatric treatment area | Hong Kong only p.55 |
| Emergency treatment abroad | Covered worldwide p.55 |
| Full cover on core benefits | yes p.69 |
| Annual limit | 16,500,000 p.68 |
| Lifetime limit | none p.68 |
| Deductible options | 0, 16000 p.59 |
| How the deductible applies | Per Policy Year; one-off right to reduce or remove deductible without re-underwriting at ages 50, 55, 60, 65, 70, 75, or 80 p.54 |
| Coinsurance | none p.30 |
| Pre-admission outpatient | Full cover for all prior outpatient visits or emergency consultations within 31 days before admission (1 visit per day); Full cover for one prior outpatient visit or emergency consultation 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 per day) p.69 |
| General outpatient | none |
| Psychiatric treatment | Full cover during Confinement in Hong Kong p.25 |
| Diagnostic imaging coinsurance | none p.69 |
| Non-surgical cancer treatment | Full cover p.69 |
| Kidney dialysis | Full cover for outpatient kidney dialysis; Full cover for kidney dialysis during Confinement; additional $2,500,000 per policy year for expenses in excess of these p.69 |
| Day case procedures | Covered under basic benefits (room, miscellaneous, surgeon's fee etc.) as Day Patient; cash benefit of $3,600 per procedure for designated procedures at designated providers or in mainland China, or $1,800 per procedure otherwise p.23 |
| Home nursing | Full cover, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or ICU admission), 1 Registered Nurse per day p.69 |
| Hospice care | HKD100,000 per Policy Year p.69 |
| Chinese medicine | HKD600 per visit, maximum 15 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge), 1 visit per day p.69 |
| Physiotherapy | Full cover during Confinement; Full cover for post-discharge follow-up visits; for stroke, HKD1,000 per visit, max 30 visits per Policy Year, HKD100,000 per Incident p.23 |
| 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 if first offered then 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 | HKD1,000 per day (max 60 days) for top-up subsidy; HKD1,700 per day (max 30 days) for using lower room class in private HK hospital; HKD12,000 per Confinement for ICU in HK p.70 |
| Companion bed | Full cover for an extra companion bed for one person p.43 |
| Direct billing and pre-authorisation | Available for designated Day Case Procedures at Designated Healthcare Services Providers via reservation through service hotline p.50 |
| No-claim discount | 15% discount on renewal premium after 2-4 consecutive claim-free years; 20% after 5+ consecutive claim-free years. Extra discount available for multiple policies. p.52 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.28 |
At a constant age of 45, FWD has filed 3 schedule changes on this plan since 2021, an average of +3.3% a year, taking the premium from HK$7,600 to HK$9,370.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +6.9% |
| 2024 | no change |
| 2025 | +2.2% |
| 2026 | +12.8% |
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.