FWD vTheOne Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00067-08-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$12,191 |
| 45 | HK$19,486 |
| 60 | HK$41,551 |
| 75 | HK$98,156 |
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$35,000,000 |
| 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 | none p.26 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit payment made; no refund after cooling-off period if a claim has been made in the policy year. p.6 |
| Switching from another plan | Switching to another plan with upgrade or addition of benefits is subject to re-underwriting limited to the upgraded/additional benefits; 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% ward class adjustment factor if voluntarily confined in a higher ward class than Standard Private Room 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 or mainland China p.76 |
| Emergency treatment abroad | Worldwide. For Emergency Treatment outside the applicable territorial scope of cover, charges under Section 15 of Part 1 of the Supplement – Enhanced benefits are reduced to 60%. p.73 |
| Full cover on core benefits | yes p.76 |
| Annual limit | HKD35,000,000 per Policy Year; additional HKD7,000,000 for Greater China if first limit used up p.73 |
| Lifetime limit | none p.73 |
| Deductible options | 0, 25000 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.31 |
| Pre-admission outpatient | All prior outpatient visits or Emergency consultations within 31 days before admission (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 (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 mainland China hospitals p.74 |
| Diagnostic imaging coinsurance | none p.74 |
| Non-surgical cancer treatment | Full cover for basic benefit; additional HKD1,500,000 per Policy Year for expenses in excess of basic benefit p.74 |
| Kidney dialysis | Full cover for outpatient kidney dialysis; additional HKD1,500,000 per Policy Year for expenses in excess of basic benefit p.75 |
| Day case procedures | Covered as Day Patient. Cash benefit of HKD3,600 per procedure for designated providers/mainland China hospitals; HKD1,800 per procedure for others. p.76 |
| Home nursing | Full cover, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or ICU admission), 1 visit per day 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), 1 visit per day p.75 |
| Physiotherapy | Full cover during confinement and for pre/post-confinement outpatient care; for stroke ancillary benefit: HKD1,200 per visit, max 30 visits per Policy Year, HKD120,000 per Incident p.23 |
| Congenital conditions | Covered under Pre-existing Condition(s) unknown at application terms p.32 |
| Pregnancy complications | Full cover for specified 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, within 3 months of accident p.76 |
| Hospital cash | HKD3,600/HKD1,800 for 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 in HK private hospital; HKD15,000 per confinement for ICU in HK p.76 |
| Companion bed | Full cover p.75 |
| Direct billing and pre-authorisation | Pre-arrangement through service hotline for designated Day Case Procedures at Designated Healthcare Services Providers p.54 |
| No-claim discount | 10% for 2-4 consecutive no-claim years; 15% for 5+ consecutive no-claim 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 +1.5% a year, taking the premium from HK$18,322 to HK$19,486.
| 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.