FWD vTheOne Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00067-12-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,341 |
| 45 | HK$6,448 |
| 60 | HK$14,015 |
| 75 | HK$32,975 |
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 day 31 of policy year 1 p.26 |
| Waiting period | 12 months for pregnancy complications p.44 |
| Cancellation and refund | Full refund within 21-day cooling-off period; no refund after cooling-off unless due to death of insured or company ceasing authorization (pro-rata refund) p.6 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, company discretion) p.18 |
| Room class | Standard Private Room p.73 |
| If a higher room is used | 25% coinsurance on eligible expenses 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.73 |
| Emergency treatment abroad | Worldwide, 60% reduction for Phase 3 Clinical Trial Drugs benefit, otherwise full cover subject to limits p.59 |
| Full cover on core benefits | yes p.73 |
| Annual limit | HKD35,000,000, plus additional HKD7,000,000 for Greater China if first limit used up p.73 |
| Lifetime limit | none p.73 |
| Deductible options | HKD250,000 (for Standard Plus), other options including HKD0 may be available for vTheOne Medical Plan 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.74 |
| 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 Hong Kong confinement, HKD40,000 per Policy Year for mainland China confinement p.74 |
| Diagnostic imaging coinsurance | none p.74 |
| Non-surgical cancer treatment | Full cover, with an additional benefit of HKD1,500,000 per Policy Year for expenses in excess of full cover p.74 |
| Kidney dialysis | Full cover for outpatient kidney dialysis, with an additional benefit of HKD1,500,000 per Policy Year for expenses in excess of full cover p.75 |
| Day case procedures | Covered as in-patient, with cash benefit of HKD1,400 for designated procedures or HKD700 for others 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.76 |
| Physiotherapy | Full cover during confinement and post-discharge; for stroke, HKD1,200 per visit, max 30 visits per policy year and HKD120,000 per incident p.23 |
| Congenital conditions | Covered as pre-existing conditions, subject to waiting period and reimbursement arrangement for unknown pre-existing conditions p.26 |
| Pregnancy complications | Full cover for listed complications, subject to 12-month waiting period from policy effective date p.76 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, within 3 months of accident p.76 |
| Hospital cash | HKD1,000 per day (max 30 days/year) for lower room class in HK private hospital; HKD600 per day (max 60 days/year) for top-up subsidy; HKD3,000 per confinement for ICU in HK p.76 |
| Companion bed | Full cover p.76 |
| Direct billing and pre-authorisation | Pre-authorisation for claimable amount estimate; network for designated Day Case Procedures with Designated Healthcare Services Providers p.20 |
| No-claim discount | 10% for 2-4 consecutive claim-free years, 15% for 5+ years; extra discount of 2.5%-10% for multiple policies p.56 |
| Exclusions beyond the VHIS standard list | venereal and sexually transmitted disease or its sequelae; purchase of durable medical equipment or appliances for home use; alternative treatments (e.g., hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy) 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$5,852 to HK$6,448.
| 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.