FWD vTheOne Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00067-11-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,895 |
| 45 | HK$7,530 |
| 60 | HK$16,166 |
| 75 | HK$40,171 |
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 | No coverage for first 30 days of first Policy Year, full coverage from 31st day of first Policy Year onwards p.26 |
| Waiting period | 30 days for pre-existing conditions unknown at application p.26 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits paid. No refund after cooling-off period if benefits paid. p.6 |
| Switching from another plan | Switching to another plan with upgraded/added benefits is subject to re-underwriting for the upgraded/added benefits. Switching to a plan with downgraded/reduced benefits is at the 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 ward class higher 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 (full cover) or designated Hospital list in mainland China (HKD40,000 per Policy Year) p.74 |
| Emergency treatment abroad | Worldwide. For Emergency Treatment outside Asia, charges for Phase 3 Clinical Trial Drugs benefit are reduced to 60%. p.73 |
| Full cover on core benefits | yes p.76 |
| 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, 120000 p.73 |
| How the deductible applies | Per Policy Year, with a one-off right to reduce or remove without re-underwriting at ages 50, 55, 60, 65, 70, 75, or 80 p.32 |
| 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 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 for radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy p.74 |
| Kidney dialysis | Full cover for outpatient kidney dialysis; additional benefit for kidney dialysis incurred during confinement p.75 |
| Day case procedures | Covered as in-patient for eligible expenses (full cover); cash benefit of HKD1,800 for designated procedures or HKD900 for others, per procedure p.74 |
| Home nursing | Full cover, maximum 196 days per Policy Year (within 196 days after discharge from hospital following surgery or ICU admission) 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) p.75 |
| Physiotherapy | Covered during confinement (full cover); covered as follow-up outpatient care (full cover); covered under stroke ancillary benefit (HKD1,200 per visit, max 30 visits/year, 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.76 |
| Hospital cash | HKD1,800/HKD900 for Day Case; HKD600/day (max 60 days) for top-up; HKD1,000/day (max 30 days) for lower room class; HKD1,500/HKD3,000 for major/complex surgery; HKD3,000 per ICU confinement p.76 |
| Companion bed | Full cover p.75 |
| Direct billing and pre-authorisation | Available for designated Day Case Procedures through Designated Healthcare Services Providers network p.54 |
| No-claim discount | 10% for 2-4 consecutive no-claim years, 15% for 5+ consecutive no-claim years. Extra discount for multiple policies. p.56 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); Sexual dysfunction; Purchase of durable medical equipment or appliances; Hypnotism, qigong, massage therapy, aromatherapy, naturopathy, homeotherapy p.28 |
At a constant age of 45, FWD has filed 1 schedule change on this plan since 2021, an average of +1.1% a year, taking the premium from HK$7,203 to HK$7,530.
| 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.