FWD vTheOne Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00067-10-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$5,949 |
| 45 | HK$9,412 |
| 60 | HK$19,959 |
| 75 | HK$50,529 |
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 | 0% for first 30 days of Policy Year 1, 100% from 31st day of Policy Year 1 p.26 |
| Waiting period | 30 days for unknown pre-existing conditions p.26 |
| Cancellation and refund | Full refund within 21-day cooling-off period; no refund after cooling-off if claims made; pro-rata refund if terminated due to death of Insured Person or company ceasing authorization p.6 |
| Switching from another plan | Allowed to switch to another plan with upgraded or additional benefits, subject to re-underwriting for the upgraded/additional benefits p.17 |
| 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 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.74 |
| Emergency treatment abroad | Worldwide. For Phase 3 Clinical Trial Drugs benefit, expenses outside Greater China are reduced to 60%. 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 expenses after the first limit is used 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 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; full cover for kidney dialysis incurred during confinement (under miscellaneous charges) p.75 |
| Day case procedures | Covered as in-patient. Cash benefit of HKD1,800 for designated procedures at designated providers, or HKD900 for other procedures. p.23 |
| Home nursing | Full cover for post-confinement home nursing, maximum 196 days per policy year p.75 |
| Hospice care | HKD120,000 per Policy Year p.75 |
| Chinese medicine | HKD600 per visit for post-confinement/day case procedure (max 15 visits); covered under Stroke ancillary benefit (max HKD120,000 per incident) p.75 |
| Physiotherapy | Full cover for pre- and post-confinement/day case procedure outpatient care; covered under Stroke ancillary benefit (max HKD120,000 per incident) p.74 |
| Congenital conditions | Covered under pre-existing condition rules if unknown at application (0% for first 30 days of Policy Year 1, 100% from 31st day of Policy Year 1); otherwise subject to case-based exclusion p.26 |
| Pregnancy complications | Full cover, 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 | HKD600 per day (max 60 days) for top-up subsidy; HKD1,800 per day (max 30 days) for using a lower room class in a private hospital in Hong Kong p.75 |
| Companion bed | full cover p.75 |
| Direct billing and pre-authorisation | Arrangement for designated Day Case Procedures through a service hotline with 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 | purchase of durable medical equipment or appliances; traditional Chinese medicine 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 +1.0% a year, taking the premium from HK$9,004 to HK$9,412.
| 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.