FWD vCANsurance Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00051-01-000-03. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$7,324 |
| 45 | HK$10,204 |
| 60 | HK$17,419 |
| 75 | HK$35,750 |
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 | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| 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 | HK$600 |
| Psychiatric treatment | Paid in full |
Also includes outpatient general, dental, home nursing, a companion bed, hospital cash, rehabilitation, kidney dialysis, 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 | First 30 days of the first Policy Year no coverage; 31st day of the first Policy Year onwards full coverage p.26 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period. After cooling-off, cancellation with 30 days' notice if no benefit payment in policy year. p.6 |
| Switching from another plan | Allowed to switch to another plan; re-underwriting for upgrades, discretion for downgrades. p.17 |
| Room class | Standard Ward Room p.55 |
| If a higher room is used | Ward class adjustment factor applied: Standard Semi-private Room 50%; Standard Private Room 25%; Above Standard Private Room 12.5% p.51 |
| Geographical cover | Worldwide, except for psychiatric treatments, cash benefit for Confinement in Intensive Care Unit in Hong Kong, and cash benefit for room and board Confinement below entitled ward class in a private Hospital in Hong Kong p.21 |
| Psychiatric treatment area | Hong Kong only p.21 |
| Emergency treatment abroad | Covered worldwide p.21 |
| Full cover on core benefits | yes p.56 |
| Annual limit | unlimited p.55 |
| Lifetime limit | none p.55 |
| Coinsurance | none |
| Pre-admission outpatient | 3 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure p.56 |
| Post-discharge outpatient | 20 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure), and maximum HKD600 per visit for physiotherapy or chiropractic treatment p.56 |
| General outpatient | none |
| Psychiatric treatment | Full cover, subject to aggregate limit per Disability per Policy Year of HKD650,000 p.55 |
| Diagnostic imaging coinsurance | none p.56 |
| Non-surgical cancer treatment | Full cover, subject to aggregate limit per Disability per Policy Year of HKD650,000 p.55 |
| Kidney dialysis | Full cover for outpatient kidney dialysis, subject to aggregate limit per Disability per Policy Year of HKD650,000 p.55 |
| Day case procedures | Covered as in-patient. Cash benefit: HKD1,000 per designated procedure at Designated Healthcare Services Provider; HKD500 per other procedure p.57 |
| Home nursing | Full cover, maximum 30 days per Disability per Policy Year, subject to services provided by 1 Registered Nurse per day p.56 |
| Hospice care | none p.32 |
| Chinese medicine | HKD600 per visit, maximum 10 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge or completion of Day Case Procedure), 1 visit per day p.56 |
| Physiotherapy | Full cover during Confinement under Miscellaneous charges. Post-discharge outpatient: maximum HKD600 per visit for physiotherapy or chiropractic treatment, up to 20 visits within 90 days p.23 |
| Pregnancy complications | none p.29 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, within 3 months of accident p.43 |
| Hospital cash | HKD500 per day for top-up subsidy (max 60 days); HKD1,000/HKD500 for Day Case Procedure; HKD3,000/HKD6,000 for major/complex surgeries; HKD6,000 for ICU confinement in HK p.57 |
| Companion bed | Full cover for an extra companion bed for one person accompanying the Insured Person during Confinement p.39 |
| Direct billing and pre-authorisation | Available for designated Day Case Procedures through Designated Healthcare Services Providers network, requiring reservation and identification p.45 |
| No-claim discount | Yes, 15% for 2-4 consecutive claim-free years, 20% for 5+ consecutive claim-free years. Extra discount for multiple policies. p.47 |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment (except post-confinement/day case) p.29 |
At a constant age of 45, FWD has filed 2 schedule changes on this plan since 2021, an average of +4.0% a year, taking the premium from HK$8,085 to HK$10,204.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | +12.0% |
| 2025 | +12.7% |
| 2026 | no change |
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.