FWD vPrime Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00045-03-000-05. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$5,645 |
| 45 | HK$7,864 |
| 60 | HK$16,801 |
| 75 | HK$42,762 |
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 | No coverage for first 30 days of first policy year, full coverage from 31st day of first policy year onwards p.26 |
| Waiting period | 90 days for first-dollar coverage for designated crises p.59 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period; no refund after cooling-off period if benefits paid, otherwise 30 days written notice required p.6 |
| Switching from another plan | Switching to another insurance plan with upgraded benefits is subject to re-underwriting for the upgraded benefits p.17 |
| Room class | Standard Semi-private Room in Hong Kong, Macau or Mainland China; Standard Private Room in other regions of Asia or for Emergency Treatment outside Asia p.68 |
| If a higher room is used | If voluntarily confined in a higher ward class, a ward class adjustment factor of 25% or 50% is applied to eligible expenses depending on the actual room and entitled room class. p.55 |
| Geographical cover | Asia for non-emergency treatment 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 | 25000 p.68 |
| How the deductible applies | Per policy year, with a one-off right to reduce or remove deductible at ages 50, 55, 60, 65, 70, 75 or 80 p.68 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for all prior outpatient visits or emergency consultations within 31 days before admission (1 visit per day), or one prior visit if more than 31 days before admission p.68 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge (1 visit per day) p.68 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.68 |
| Diagnostic imaging coinsurance | none p.68 |
| Non-surgical cancer treatment | Full cover p.68 |
| Kidney dialysis | Full cover for outpatient kidney dialysis p.69 |
| Day case procedures | Cash benefit of HKD3,600 per designated procedure or HKD1,800 per other procedure, maximum one per day p.70 |
| Home nursing | Full cover for home nursing by a Registered Nurse, maximum 196 days per policy year 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, maximum 15 follow-up outpatient visits within 90 days after discharge from hospital or day case procedure p.69 |
| Physiotherapy | HKD100,000 per policy year p.69 |
| Congenital conditions | Covered as unknown pre-existing conditions: no coverage for first 30 days of first policy year, full coverage from 31st day of first policy year onwards p.26 |
| Pregnancy complications | Full cover for specified complications, subject to 12-month waiting period from policy effective date or renewal date p.70 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, within 3 months of accident p.70 |
| Hospital cash | HKD1,000 per day (max 60 days) for top-up subsidy; HKD1,700 per day (max 30 days) for lower room class in HK private hospital; 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 a network of Designated Healthcare Services Providers, requiring reservation via service hotline p.50 |
| No-claim discount | 15% for 2-4 consecutive no-claim years, 20% for 5+ consecutive no-claim years, plus extra discount for multiple policies p.52 |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Purchase of durable medical equipment (e.g., wheelchairs, oxygen devices); Traditional Chinese medicine and other alternative treatments (e.g., acupuncture, hypnotism) p.28 |
At a constant age of 45, FWD has filed 3 schedule changes on this plan since 2021, an average of +2.4% a year, taking the premium from HK$6,751 to HK$7,864.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +6.0% |
| 2024 | no change |
| 2025 | -2.7% |
| 2026 | +13.0% |
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.