FWD vTheOne Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00067-05-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,490 |
| 45 | HK$7,103 |
| 60 | HK$15,251 |
| 75 | HK$37,897 |
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 deductible waiver for designated crises; 12 months for pregnancy complications p.44 |
| Cancellation and refund | Full refund within 21-day cooling-off period; pro-rata refund upon death of Insured Person or Company ceasing authorization p.6 |
| Switching from another plan | Switching to another plan with upgrade/addition of benefits is subject to re-underwriting; switching to a plan with downgrade/reduction of benefits is at company's discretion without re-underwriting p.18 |
| 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 (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 | Full cover in Hong Kong; HKD40,000 per Policy Year in designated hospitals in mainland China p.74 |
| Emergency treatment abroad | Worldwide, full cover 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 first limit is used up p.73 |
| Lifetime limit | none p.73 |
| Deductible options | 0, 120000 p.65 |
| 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.58 |
| Coinsurance | none p.75 |
| Pre-admission outpatient | Full cover for all prior outpatient visits/emergency consultations within 31 days before admission/Day Case Procedure (1 visit/day), or one prior visit/consultation more than 31 days before p.74 |
| Post-discharge outpatient | Full cover for all follow-up outpatient visits within 90 days after discharge/Day Case Procedure (1 visit/day) p.74 |
| General outpatient | none |
| Psychiatric treatment | Full cover in Hong Kong; HKD40,000 per Policy Year in designated hospitals in mainland China p.74 |
| Diagnostic imaging coinsurance | none p.74 |
| Non-surgical cancer treatment | Full cover (subject to annual limit), with an additional HKD1,500,000 per Policy Year for expenses in excess of basic benefit p.74 |
| Kidney dialysis | Full cover for outpatient kidney dialysis (subject to annual limit), with an additional HKD1,500,000 per Policy Year for expenses in excess of basic benefit p.74 |
| Day case procedures | Covered as in-patient for basic benefits; cash benefit of HKD1,800 for designated procedures at designated providers, or HKD900 for other procedures p.75 |
| Home nursing | Full cover, maximum 196 days per Policy Year (within 196 days after discharge from hospital following surgery or ICU admission) 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/day) p.75 |
| Physiotherapy | Full cover during confinement and for pre/post-confinement outpatient care; HKD1,200 per visit for stroke ancillary benefit (max 30 visits/year, HKD120,000/incident); HKD120,000 per Policy Year for rehabilitation treatment p.74 |
| Congenital conditions | Unknown congenital conditions covered from day 31 of Policy Year 1 p.26 |
| Pregnancy complications | Full cover for specified surgical procedures due to pregnancy complications, after 12 months waiting period p.44 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, within 3 months of accident p.52 |
| Hospital cash | HKD1,000 per day (max 30 days/year) for confinement in lower ward class in HK private hospital; HKD2,000 per confinement for ICU stay of at least 3 days in HK p.75 |
| Companion bed | Full cover p.75 |
| Direct billing and pre-authorisation | Available through Designated Healthcare Services Providers network for designated Day Case Procedures p.55 |
| 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 | Not Medically Necessary treatments; Purchase of durable medical equipment or appliances for home use 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$6,795 to HK$7,103.
| 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.