FWD vPrime Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00045-04-000-05. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,160 |
| 45 | HK$6,125 |
| 60 | HK$12,858 |
| 75 | HK$31,456 |
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 31st day of policy year 1 onwards p.26 |
| Waiting period | 30 days for unknown pre-existing conditions; 12 months for pregnancy complications; 90 days for deductible waiver for designated crises p.26 |
| Cancellation and refund | Full refund within 21-day cooling-off period, provided no benefit payment has been made p.6 |
| Switching from another plan | Switching to another plan with upgraded or additional benefits is subject to re-underwriting limited to such benefits p.18 |
| Room class | Standard Semi-private Room in Hong Kong, Macau and Mainland China; Standard Private Room in other regions of Asia or for Emergency Treatment outside Asia p.68 |
| If a higher room is used | Benefit reduced to 50% or 25% of eligible expenses depending on the actual ward class occupied p.55 |
| Geographical cover | Asia p.68 |
| Psychiatric treatment area | Hong Kong only p.55 |
| Emergency treatment abroad | Worldwide p.55 |
| Full cover on core benefits | yes p.69 |
| Annual limit | 16,500,000 p.68 |
| Lifetime limit | none p.21 |
| Deductible options | 50000 p.68 |
| 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.30 |
| 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, subject to annual limit of HKD16,500,000 p.69 |
| Diagnostic imaging coinsurance | none p.69 |
| Non-surgical cancer treatment | Full cover, subject to annual limit of HKD16,500,000 p.69 |
| Kidney dialysis | Full cover for outpatient kidney dialysis; additional benefit of HKD2,500,000 per policy year for expenses in excess of basic benefits for kidney dialysis p.69 |
| Day case procedures | Covered as in-patient for basic benefits (full cover); cash benefit of HKD3,600 for designated procedures or HKD1,800 for other procedures p.30 |
| Home nursing | Full cover, maximum 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, maximum 15 visits per confinement/day case procedure (within 90 days after discharge) p.69 |
| Physiotherapy | HKD100,000 per policy year for rehabilitation treatment; HKD1,000 per visit, max 30 visits per policy year and HKD100,000 per incident for stroke ancillary benefit p.40 |
| Congenital conditions | Covered from 31st day of policy year 1 if unknown at application p.26 |
| Pregnancy complications | Full cover for listed complications, subject to 12-month waiting period 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 per day (max 30 days/year) for confinement in lower ward class in HK private hospital; HKD1,000 per day (max 60 days/year) for top-up subsidy p.70 |
| Companion bed | Full cover for an extra companion bed p.43 |
| No-claim discount | 15% for 2-4 consecutive claim-free years, 20% for 5+ consecutive claim-free years; extra discount for multiple policies p.52 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); Sex reassignment; Sexual dysfunction; Purchase of durable medical equipment or appliances; General 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 +2.6% a year, taking the premium from HK$5,188 to HK$6,125.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +6.0% |
| 2024 | no change |
| 2025 | -1.2% |
| 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.