FWD vTheOne Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00067-09-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,922 |
| 45 | HK$11,003 |
| 60 | HK$22,622 |
| 75 | HK$56,542 |
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 | 90 days for first-dollar coverage for designated crises p.66 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits paid; after cooling-off, cancellation with 30 days written notice if no benefits paid in relevant policy year p.6 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits is subject to re-underwriting for those benefits; switching to a plan with downgraded/reduced benefits does not require re-underwriting but is subject to company discretion 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 designated Hospital list in mainland China p.76 |
| Emergency treatment abroad | Worldwide, with 60% reduction for Phase 3 Clinical Trial Drugs benefit if outside applicable territorial scope of cover p.73 |
| Full cover on core benefits | yes p.74 |
| Annual limit | HKD35,000,000 per Policy Year, plus additional HKD7,000,000 for Greater China if the first limit is used up p.73 |
| Lifetime limit | none p.73 |
| Deductible options | 0, 40000 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 | Full cover for all prior outpatient visits or emergency consultations within 31 days before admission (1 visit per day), or one prior visit if 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 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 p.74 |
| Kidney dialysis | Full cover for outpatient kidney dialysis; additional HKD1,500,000 per Policy Year for expenses in excess of basic cover p.74 |
| Day case procedures | Covered as in-patient for basic benefits; cash benefit of HKD3,600 for designated procedures at designated providers or mainland China hospitals, HKD1,800 for others 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.74 |
| Hospice care | HKD120,000 per Policy Year p.74 |
| Chinese medicine | HKD600 per visit, maximum 15 visits per Confinement/Day Case Procedure (within 90 days after discharge) p.75 |
| Physiotherapy | Covered during confinement under miscellaneous charges; for stroke rehabilitation, HKD1,200 per visit, max 30 visits per Policy Year and HKD120,000 per incident p.23 |
| Congenital conditions | Covered from 31st day of first policy year if unknown at application 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, within 3 months of accident p.75 |
| 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.75 |
| Companion bed | Full cover for an extra companion bed for one person p.74 |
| Direct billing and pre-authorisation | Claimable amount estimate available; network of Designated Healthcare Services Providers exists p.20 |
| 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 | Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other alternative treatments 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$10,158 to HK$11,003.
| 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.