FWD vPrime Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00045-05-000-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$3,271 |
| 45 | HK$4,724 |
| 60 | HK$10,118 |
| 75 | HK$24,045 |
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 the first 30 days of the first Policy Year; full coverage from 31st day of the first Policy Year onwards p.26 |
| Waiting period | 12 months for pregnancy complications; 90 days for deductible waiver for designated crises if the crisis was known or reasonably should have been known p.43 |
| Cancellation and refund | Full refund of paid premium if cancelled within 21-day cooling-off period from delivery of policy documents or cooling-off notice p.6 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits is subject to re-underwriting limited to the upgrade/addition; switching to a plan with downgraded/reduced benefits does not require re-underwriting but is at company's discretion p.18 |
| 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 | Ward class adjustment factor applied: 50% for Standard Semi-private to Standard Private; 25% for Standard Semi-private to Above Standard Private; 25% for Standard Private to Above Standard Private p.55 |
| Geographical cover | Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, Mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam) 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, 100000 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.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); full cover for one prior outpatient visit or emergency consultation 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, subject to annual limit of HKD16,500,000 p.68 |
| Diagnostic imaging coinsurance | none p.68 |
| Non-surgical cancer treatment | Full cover, subject to annual limit of HKD16,500,000 p.68 |
| Kidney dialysis | Full cover for outpatient kidney dialysis and rental of home dialysis machine; full cover for kidney dialysis incurred during confinement; additional benefit for expenses in excess of these limits, subject to annual limit of HKD2,500,000 p.69 |
| Day case procedures | Covered as in-patient under basic benefits (full cover); cash benefit of HKD1,800 for designated procedures at designated providers or in mainland China, or HKD900 for other procedures, max one per day p.70 |
| Home nursing | Full cover, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or ICU admission), subject to 1 Registered Nurse per day p.69 |
| Hospice care | HKD100,000 per Policy Year for stay in a registered hospice for terminal illness p.69 |
| Chinese medicine | HKD600 per visit, maximum 15 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge), subject to 1 visit per day p.69 |
| Physiotherapy | Full cover during confinement and for pre/post-confinement outpatient care; HKD100,000 per Policy Year for rehabilitation treatment; HKD1,000 per visit for stroke ancillary benefit (max 30 visits/year, HKD100,000/incident) p.69 |
| Congenital conditions | Covered from 31st day of the first Policy Year onwards, subject to pre-existing condition rules p.26 |
| Pregnancy complications | Full cover for surgical procedures due to listed pregnancy complications, subject to a 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 | HKD500 per day (max 60 days/year) for top-up subsidy; HKD900 per day (max 30 days/year) for using lower room class in HK private hospital; HKD2,500 per confinement for ICU stay in HK p.71 |
| Companion bed | Full cover for an extra companion bed for one person during confinement p.69 |
| Direct billing and pre-authorisation | Available through Designated Healthcare Services Providers network for designated Day Case Procedures, requiring reservation through service hotline p.50 |
| No-claim discount | 15% discount on renewal premium for 2-4 consecutive no-claim years; 20% for 5+ consecutive no-claim years. Extra discount for multiple policies. p.52 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine treatment and other alternative treatments; treatments not Medically Necessary p.28 |
At a constant age of 45, FWD has filed 3 schedule changes on this plan since 2021, an average of +1.2% a year, taking the premium from HK$4,462 to HK$4,724.
| Year | Change |
|---|---|
| 2023 | -2.0% |
| 2024 | no change |
| 2025 | -4.0% |
| 2026 | +12.6% |
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.