FWD vTheOne Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00067-02-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$11,501 |
| 45 | HK$18,383 |
| 60 | HK$39,199 |
| 75 | HK$92,600 |
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, 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 day 31 of Policy Year 1 p.26 |
| Waiting period | 90 days for designated crises if aware of condition p.65 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit paid. After cooling-off, cancellation with 30 days written notice if no benefit paid in current policy year. p.6 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits is subject to re-underwriting for the new benefits. Switching to a plan with downgraded/reduced benefits does not require re-underwriting but is at company's discretion. p.17 |
| Room class | Standard Private Room p.73 |
| If a higher room is used | 25% adjustment factor if voluntarily confined in a higher ward class p.61 |
| Geographical cover | Asia (includes Hong Kong, Macau, mainland China, Taiwan, Japan, South Korea, Singapore, Australia, New Zealand, etc.) p.73 |
| Psychiatric treatment area | Hong Kong (full cover) or designated hospitals in mainland China (HKD40,000 per Policy Year) p.74 |
| Emergency treatment abroad | Worldwide. For Phase 3 Clinical Trial Drugs benefit, reduced to 60% if outside applicable territory. Other benefits are payable in accordance with terms. p.73 |
| Full cover on core benefits | yes p.75 |
| Annual limit | HKD12,000,000 per Policy Year, plus an additional HKD4,000,000 for Greater China if the first limit is used up. p.73 |
| Lifetime limit | none p.73 |
| Deductible options | 0, 25000 p.73 |
| How the deductible applies | Per Policy Year. One-off right to reduce or remove deductible at ages 50, 55, 60, 65, 70, 75, or 80. p.73 |
| Coinsurance | none p.27 |
| Pre-admission outpatient | All prior outpatient visits or emergency consultations within 31 days before admission/Day Case Procedure (1 visit per day); One prior outpatient visit or emergency consultation more than 31 days before admission/Day Case Procedure. p.74 |
| Post-discharge outpatient | All follow-up outpatient visits within 90 days after discharge/Day Case Procedure (1 visit per day). p.74 |
| General outpatient | none |
| Psychiatric treatment | Full cover in Hong Kong; HKD40,000 per Policy Year in designated mainland China hospitals. p.74 |
| Diagnostic imaging coinsurance | none p.74 |
| Non-surgical cancer treatment | Full cover (subject to overall annual limit), with an additional HKD1,500,000 per Policy Year for expenses exceeding basic benefits. p.74 |
| Kidney dialysis | Full cover for outpatient kidney dialysis (subject to overall annual limit), with an additional HKD1,500,000 per Policy Year for expenses exceeding basic benefits. p.74 |
| Day case procedures | Covered as in-patient for eligible expenses. Cash benefit of HKD3,600 per designated procedure or HKD1,800 per other procedure. p.23 |
| Home nursing | Full cover, maximum 196 days per Policy Year (within 196 days after discharge from hospital following surgery or ICU admission), 1 Registered Nurse per day. p.74 |
| Hospice care | HKD120,000 per Policy Year p.74 |
| Chinese medicine | HKD600 per visit, maximum 15 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge/completion), 1 visit per day. p.75 |
| Physiotherapy | Covered under post-discharge outpatient care. For stroke rehabilitation, HKD1,200 per visit, max 30 visits per Policy Year and HKD120,000 per incident. p.25 |
| Congenital conditions | Covered under the pre-existing condition rule: 0% for first 30 days of Policy Year 1, 100% from day 31 of Policy Year 1. p.32 |
| Pregnancy complications | Full cover for listed complications, subject to 12-month waiting period from Policy Effective Date. p.75 |
| 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) for top-up subsidy; HKD1,800 per day (max 30 days) for confinement in lower ward class in HK private hospital; HKD3,600/HKD1,800 per Day Case Procedure; HKD5,000/HKD10,000 per major/complex surgery; HKD10,000 per ICU confinement in HK. p.76 |
| Companion bed | Full cover for an extra companion bed for one person. p.75 |
| Direct billing and pre-authorisation | Available for designated Day Case Procedures through Designated Healthcare Services Providers network via service hotline and reservation. p.54 |
| No-claim discount | 10% for 2-4 consecutive no-claim years, 15% for 5+ years. Extra discount of 2.5-10% for multiple policies. p.56 |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.28 |
At a constant age of 45, FWD has filed 1 schedule change on this plan since 2021, an average of +1.5% a year, taking the premium from HK$17,285 to HK$18,383.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | no change |
| 2025 | +6.4% |
| 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.