FWD vCANsurance Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00051-02-000-03. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$10,512 |
| 45 | HK$15,983 |
| 60 | HK$30,490 |
| 75 | HK$63,712 |
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 | 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 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 | 0% for first 30 days of policy year 1, 100% from 31st day of policy year 1 p.26 |
| Waiting period | 30 days for unknown pre-existing conditions p.26 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit payment. After cooling-off, cancellation with 30 days notice if no benefit payment in policy year, no refund stated. p.6 |
| Switching from another plan | Possible to switch to another plan, re-underwriting applies for upgrade or additional benefits p.18 |
| Room class | Standard Semi-private Room p.55 |
| If a higher room is used | If using Standard Private Room, 50% of eligible expenses; if using Above Standard Private Room, 25% of eligible expenses p.51 |
| Geographical cover | Worldwide, except for psychiatric treatments, cash benefit for ICU in Hong Kong, and cash benefit for lower room class in private hospital in Hong Kong p.21 |
| Psychiatric treatment area | Hong Kong only p.25 |
| Emergency treatment abroad | Covered worldwide p.21 |
| Full cover on core benefits | Yes, for most basic benefits, subject to aggregate limit per Disability per Policy Year p.55 |
| Annual limit | Unlimited p.55 |
| Lifetime limit | None p.21 |
| Deductible options | None |
| How the deductible applies | None |
| 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 within 90 days after discharge or day case procedure, max HKD600 per visit for physiotherapy or chiropractic p.56 |
| General outpatient | None |
| Psychiatric treatment | Full cover p.56 |
| Diagnostic imaging coinsurance | None p.56 |
| Non-surgical cancer treatment | Full cover, subject to aggregate limit of HKD850,000 per Disability per Policy Year, plus an additional benefit of HKD850,000 per Disability per Policy Year for expenses in excess of basic benefit p.56 |
| Kidney dialysis | Full cover for outpatient kidney dialysis, subject to aggregate limit of HKD850,000 per Disability per Policy Year, plus an additional benefit of HKD850,000 per Disability per Policy Year for expenses in excess of basic benefit p.56 |
| Day case procedures | Covered as in-patient. Cash benefit: HKD1,000 per designated procedure at designated provider, HKD500 per other procedure. p.57 |
| Home nursing | Full cover, max 30 days per Disability per Policy Year, 1 Registered Nurse per day p.56 |
| Hospice care | None p.32 |
| Chinese medicine | HKD600 per visit, max 10 follow-up outpatient visits per confinement/day case procedure within 90 days, 1 visit per day p.56 |
| Physiotherapy | Max HKD600 per visit for physiotherapy or chiropractic treatment, as part of post-discharge outpatient care p.56 |
| Congenital conditions | Covered from 31st day of policy year 1 if unknown at application p.26 |
| 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 (max 60 days per Disability per Policy Year) for top-up subsidy; HKD800 per day (max 30 days per Disability per Policy Year) for using lower room class in private hospital in HK p.57 |
| Companion bed | Full cover p.56 |
| Second medical opinion | Not stated |
| Direct billing and pre-authorisation | Available for designated Day Case Procedures through Designated Healthcare Services Providers network p.45 |
| No-claim discount | 15% for 2-4 consecutive claim-free years, 20% for 5+ consecutive claim-free years p.47 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine treatment (general) p.28 |
At a constant age of 45, FWD has filed 2 schedule changes on this plan since 2021, an average of +3.9% a year, taking the premium from HK$12,728 to HK$15,983.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | +12.0% |
| 2025 | +12.1% |
| 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.