FWD vTheOne Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00067-04-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$5,612 |
| 45 | HK$8,879 |
| 60 | HK$18,829 |
| 75 | HK$47,670 |
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 | First 30 days of the first Policy Year no coverage; 31st day of the first Policy Year onwards full coverage p.26 |
| Waiting period | 90 days for first-dollar coverage for designated crises p.65 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period. After cooling-off, cancellation requires 30 days' notice if no benefits paid, no refund mentioned. p.6 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting for new benefits) or downgrade/reduction of benefits (no re-underwriting, company discretion) p.17 |
| Room class | Standard Private Room p.73 |
| If a higher room is used | If a higher ward class than Standard Private Room is used, a 25% ward class adjustment factor is applied to eligible expenses. p.61 |
| Geographical cover | Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, Mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam) 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 Emergency Treatment outside Asia, expenses for Phase 3 Clinical Trial Drugs benefit are reduced to 60%. p.73 |
| Full cover on core benefits | yes p.74 |
| Annual limit | HKD12,000,000 per Policy Year, plus an additional HKD4,000,000 for Greater China if the initial limit is used up p.73 |
| Lifetime limit | none p.73 |
| Deductible options | 0, 80000 p.73 |
| How the deductible applies | Per Policy Year, with a one-off right to reduce or remove at ages 50, 55, 60, 65, 70, 75, or 80 p.73 |
| Coinsurance | none p.73 |
| 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 Hong Kong confinement; HKD40,000 per Policy Year for designated hospitals 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 and kidney dialysis incurred during confinement p.75 |
| Day case procedures | Covered as in-patient. Cash benefit of HKD1,800 for designated procedures or HKD900 for others, per 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) 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 (within 90 days after discharge) p.76 |
| Physiotherapy | Full cover for pre- and post-confinement/day case outpatient care and during confinement. HKD1,200 per visit, max 30 visits per Policy Year for Stroke ancillary benefit. p.24 |
| Pregnancy complications | Full cover for listed complications, provided diagnosis is at least 12 months after Policy Effective Date p.76 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, within 3 months of accident p.52 |
| Hospital cash | HKD1,800 per day for using a room below entitled ward class in a private hospital in Hong Kong, max 30 days per Policy Year p.76 |
| Companion bed | Full cover p.76 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Available through Designated Healthcare Services Providers network p.55 |
| No-claim discount | 10% for 2-4 consecutive no-claim years; 15% for 5 or more consecutive no-claim years p.56 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); other alternative treatments (e.g., hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy); venereal and sexually transmitted disease or its sequelae p.28 |
At a constant age of 45, FWD has filed 1 schedule change on this plan since 2021, an average of +1.0% a year, taking the premium from HK$8,494 to HK$8,879.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | no change |
| 2025 | +4.5% |
| 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.