FWD vTheOne Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00067-13-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$28,119 |
| 45 | HK$41,383 |
| 60 | HK$89,180 |
| 75 | HK$191,011 |
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$16,000,000 |
| 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, 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 first Policy Year, 100% from 31st day of first Policy Year onwards p.26 |
| Waiting period | 30 days for unknown pre-existing conditions; 90 days for deductible waiver for designated crises; 12 months for pregnancy complications p.26 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits paid; after cooling-off, cancellation with 30 days notice if no benefits paid p.6 |
| Switching from another plan | Switching to a plan with upgraded benefits is subject to re-underwriting for the upgraded benefits; switching to downgraded benefits does not require re-underwriting p.17 |
| Room class | Standard Private Room p.73 |
| If a higher room is used | 25% of eligible expenses covered if voluntarily confined in a ward class higher than Standard Private Room p.61 |
| Geographical cover | Worldwide excluding USA for non-emergency treatment; Worldwide for emergency treatment p.73 |
| Psychiatric treatment area | Hong Kong or mainland China p.73 |
| Emergency treatment abroad | Covered worldwide p.73 |
| Full cover on core benefits | yes p.74 |
| Annual limit | HKD16,000,000 per Policy Year, plus additional HKD6,000,000 for Greater China if the first limit is used up p.73 |
| Lifetime limit | none p.73 |
| Deductible options | 0 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.58 |
| Coinsurance | none p.31 |
| Pre-admission outpatient | Full cover for all visits within 31 days before admission (1 visit per day limit), and one visit more than 31 days before admission p.74 |
| Post-discharge outpatient | Full cover for all visits within 90 days after discharge (1 visit per day limit) 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 p.74 |
| Kidney dialysis | Full cover for outpatient kidney dialysis; additional HKD2,000,000 per Policy Year for expenses in excess of basic benefits p.75 |
| Day case procedures | Covered as in-patient; cash benefit of HKD3,600 for designated procedures or HKD1,800 for others p.75 |
| Home nursing | Full cover, maximum 196 days per Policy Year p.75 |
| Hospice care | HKD120,000 per Policy Year p.75 |
| Chinese medicine | HKD600 per visit, maximum 15 visits per Confinement/Day Case Procedure within 90 days p.75 |
| Physiotherapy | Full cover during confinement and for pre/post-confinement outpatient care; HKD1,200 per visit, max 30 visits per Policy Year and HKD120,000 per Incident for stroke ancillary benefit p.75 |
| Congenital conditions | Covered as unknown pre-existing condition after 30 days of first policy year p.26 |
| Pregnancy complications | Full cover, subject to 12-month waiting period from 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 | HKD1,100 per day (max 60 days) for top-up subsidy; HKD1,800 per day (max 30 days) for lower room class in HK private hospital; HKD20,000 per confinement for ICU in HK p.75 |
| Companion bed | Full cover p.75 |
| Direct billing and pre-authorisation | Available through Designated Healthcare Services Providers for designated Day Case Procedures p.54 |
| No-claim discount | 10% for 2-4 consecutive no-claim years, 15% for 5+ consecutive no-claim years, plus extra discount for multiple policies 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 +2.5% a year, taking the premium from HK$37,217 to HK$41,383.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | no change |
| 2025 | +11.2% |
| 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.