FWD vTheOne Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00067-06-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$3,947 |
| 45 | HK$6,083 |
| 60 | HK$12,977 |
| 75 | HK$31,109 |
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 deductible waiver for designated crises p.66 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit payment has been made p.6 |
| Switching from another plan | Switching to another plan with upgrade or additional benefits is subject to re-underwriting; switching to a plan with downgrade or reduction of benefits is at the company's discretion without re-underwriting p.17 |
| Room class | Standard Private Room p.73 |
| If a higher room is used | 25% of Eligible Expenses and/or expenses are payable if a higher ward class than Standard Private Room is voluntarily chosen 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 | Confinement in Hong Kong or at a Hospital stated in the designated Hospital list in mainland China p.73 |
| Emergency treatment abroad | Worldwide, subject to general annual limit 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 Eligible Expenses and/or other expenses incurred within Greater China if the initial limit is used up p.73 |
| Lifetime limit | none p.73 |
| Deductible options | 250000 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 (except for higher room class rule) p.61 |
| Pre-admission outpatient | All prior outpatient visits or Emergency consultations within 31 days before admission (subject to 1 visit per day); One prior outpatient visit or Emergency consultation more than 31 days before admission p.74 |
| Post-discharge outpatient | All follow-up outpatient visits within 90 days after discharge (subject to 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 radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy p.74 |
| Kidney dialysis | Full cover for outpatient kidney dialysis p.74 |
| Day case procedures | Covered as in-patient (full cover); cash benefit of HKD1,400 for designated procedures or HKD700 for others p.23 |
| Home nursing | Full cover for post-confinement home nursing, maximum 196 days per Policy Year 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 p.75 |
| Physiotherapy | Covered as part of pre- and post-confinement/day case outpatient care, and for stroke rehabilitation; not covered for confinement solely for physiotherapy unless medically necessary and cannot be done as day patient p.74 |
| Congenital conditions | Covered if unknown at application, subject to 30-day waiting period in first policy year p.26 |
| Pregnancy complications | Full cover for listed complications, provided diagnosis is at least 12 months after Policy Effective Date p.75 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, if provided within 3 months of accident p.75 |
| Hospital cash | HKD600 per day (max 60 days) for top-up subsidy; HKD1,000 per day (max 30 days) for using lower room class in HK private hospital; HKD2,000 per confinement for ICU stay of at least 3 consecutive days in HK p.75 |
| Companion bed | Full cover p.75 |
| Direct billing and pre-authorisation | Available for designated Day Case Procedures through Designated Healthcare Services Providers network via service hotline and identification 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 | 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 +2.3% a year, taking the premium from HK$5,521 to HK$6,083.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | no change |
| 2025 | +10.2% |
| 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.