FWD vTheOne Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00067-03-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,530 |
| 45 | HK$10,379 |
| 60 | HK$21,342 |
| 75 | HK$53,342 |
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 | No coverage for first 30 days of first policy year; full coverage from 31st day of first policy year onwards p.26 |
| Waiting period | 12 months for pregnancy complications p.44 |
| 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 policy year (no refund specified) p.6 |
| Switching from another plan | Switching to another plan with upgrade or addition of benefits is subject to re-underwriting; switching to a plan with downgrade or reduction of benefits is at company's 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 higher ward class p.61 |
| Geographical cover | Asia for non-emergency treatment, Worldwide for emergency treatment p.73 |
| Psychiatric treatment area | Hong Kong (full cover), mainland China (HKD40,000 per policy year) p.74 |
| Emergency treatment abroad | Covered worldwide p.73 |
| Full cover on core benefits | yes p.76 |
| 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, 40000 p.65 |
| 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 p.74 |
| Pre-admission outpatient | Full cover for all prior outpatient visits or emergency consultations within 31 days before admission (1 visit per day), and 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 in Hong Kong, HKD40,000 per policy year in mainland China p.74 |
| Diagnostic imaging coinsurance | none p.74 |
| Non-surgical cancer treatment | full cover p.74 |
| Kidney dialysis | Full cover for outpatient kidney dialysis, HKD1,500,000 per policy year for additional benefit p.75 |
| Day case procedures | Covered as in-patient, cash benefit available p.23 |
| Home nursing | Full cover, maximum 196 days per policy year p.75 |
| Hospice care | HKD120,000 per policy year p.75 |
| Chinese medicine | HKD600 per visit, maximum 15 follow-up outpatient visits per confinement/day case procedure p.75 |
| Physiotherapy | Full cover for post-confinement/day case procedure outpatient care; HKD120,000 per policy year for rehabilitation treatment; HKD1,200 per visit (max 30 visits/year, HKD120,000/incident) for stroke ancillary benefit p.25 |
| Congenital conditions | Covered under pre-existing condition rules (no coverage for first 30 days of first policy year, full coverage from 31st day onwards if unknown at application) p.26 |
| Pregnancy complications | Full cover for listed complications, subject to 12-month waiting period 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 | HKD3,600/HKD1,800 per day case procedure; HKD1,100 per day (max 60 days/year) for top-up subsidy; HKD1,800 per day (max 30 days/year) for lower room class; HKD10,000 per confinement for ICU p.75 |
| Companion bed | Full cover p.75 |
| Direct billing and pre-authorisation | Pre-authorisation available, network of Designated Healthcare Services Providers for cashless services p.20 |
| No-claim discount | 10% for 2-4 consecutive no-claim years, 15% for 5+ consecutive no-claim years, plus extra discount for multiple policies p.56 |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances, unless rental during confinement/day case procedure or for home facility enhancement for stroke; Traditional Chinese medicine treatment and other alternative treatments, unless covered under specific enhanced benefits p.28 |
At a constant age of 45, FWD has filed 1 schedule change on this plan since 2021, an average of +1.9% a year, taking the premium from HK$9,583 to HK$10,379.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | no change |
| 2025 | +8.3% |
| 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.