FWD vTheOne Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00067-01-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$18,476 |
| 45 | HK$29,532 |
| 60 | HK$62,975 |
| 75 | HK$148,549 |
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 | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$12,000,000 |
| 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 | HK$40,000 |
Also includes dental, maternity, a companion bed, hospital cash, rehabilitation, hospice care, kidney dialysis, reconstructive surgery, 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 first Policy Year, 100% from 31st day of first Policy Year onwards p.26 |
| Waiting period | 90 days for first-dollar coverage – Deductible waived for designated crises p.66 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no claim made. After cooling-off, cancellation with 30 days notice if no benefit payment made in policy year (no refund mentioned). Pro-rata refund for current policy year upon death of insured or company ceasing authorization. p.6 |
| Switching from another plan | Switching to another plan with upgrade or addition of benefits is subject to re-underwriting for the upgraded/added benefits. Switching to a plan with downgrade or reduction of benefits does not require re-underwriting but is subject to company discretion. p.17 |
| Room class | Standard Private Room p.73 |
| If a higher room is used | 25% ward class adjustment factor if voluntarily confined in a ward class higher than Standard Private Room p.61 |
| Geographical cover | Asia p.73 |
| Psychiatric treatment area | Hong Kong and designated hospitals in mainland China p.73 |
| Emergency treatment abroad | Worldwide. For Emergency Treatment outside applicable territorial scope of cover, charges for Phase 3 Clinical Trial Drugs benefit reduced to 60%. p.73 |
| Full cover on core benefits | yes p.75 |
| Annual limit | HKD12,000,000 per Policy Year, plus additional HKD4,000,000 for Greater China if first limit used up p.73 |
| Lifetime limit | none p.73 |
| Deductible options | 0 p.73 |
| 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.73 |
| Coinsurance | none, except for 25% ward class adjustment factor for higher room class and 40% cover for Phase 3 Clinical Trial Drugs benefit outside Greater China or for emergency overseas treatment p.31 |
| 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 more than 31 days before admission p.74 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge (1 visit per day) p.74 |
| General outpatient | none |
| Psychiatric treatment | Full cover for confinement in Hong Kong; HKD40,000 per Policy Year for confinement in designated hospitals in mainland China p.74 |
| Diagnostic imaging coinsurance | none p.74 |
| Non-surgical cancer treatment | Full cover for basic benefit; additional HKD1,500,000 per Policy Year for expenses in excess of basic benefit p.74 |
| Kidney dialysis | Full cover for outpatient kidney dialysis; additional HKD1,500,000 per Policy Year for expenses in excess of basic benefit p.74 |
| Day case procedures | Covered as in-patient. Cash benefit of HKD3,600 per designated procedure or HKD1,800 per other procedure, once per day. p.23 |
| Home nursing | Full cover for post-confinement home nursing, maximum 196 days per Policy Year (within 196 days after discharge) p.74 |
| Hospice care | HKD120,000 per Policy Year for stay in a registered hospice for terminal illness p.43 |
| Chinese medicine | HKD600 per visit, maximum 15 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge) p.74 |
| Physiotherapy | Full cover during confinement and for pre/post-confinement outpatient care; HKD120,000 per Policy Year for rehabilitation treatment p.23 |
| Congenital conditions | Covered as Pre-existing Condition(s) unknown at application: 0% for first 30 days of first Policy Year, 100% from 31st day of first Policy Year onwards p.32 |
| Pregnancy complications | Full cover for listed complications, provided diagnosis is at least 12 months after Policy Effective Date p.74 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, within 3 months of accident p.75 |
| Hospital cash | HKD1,100 per day (max 60 days/year) for top-up subsidy; HKD1,800 per day (max 30 days/year) for confinement below entitled ward class p.75 |
| Companion bed | Full cover for an extra companion bed for one person during confinement p.74 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Available for designated Day Case Procedures through Designated Healthcare Services Providers network with prior reservation p.54 |
| No-claim discount | 10% for 2-4 consecutive claim-free years; 15% for 5 or more consecutive claim-free years p.56 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine treatment and other alternative treatments (with exceptions); expenses already reimbursed by other sources p.28 |
At a constant age of 45, FWD has filed 1 schedule change on this plan since 2021, an average of +2.5% a year, taking the premium from HK$26,592 to HK$29,532.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | no change |
| 2025 | +11.1% |
| 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.