FWD vTheOne Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00067-14-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$16,964 |
| 45 | HK$24,967 |
| 60 | HK$53,803 |
| 75 | HK$115,406 |
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, 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 | 12 months for pregnancy complications; 90 days for designated crises deductible waiver p.44 |
| Cancellation and refund | Full refund within 21-day cooling-off period. After cooling-off, cancellation with 30 days' notice if no benefit payment, no refund mentioned. p.6 |
| Switching from another plan | Switching to another plan with upgraded benefits is subject to re-underwriting limited to the upgraded benefits. Switching to a plan with downgraded 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% of eligible expenses if voluntarily confined in a higher ward class than Standard Private Room p.61 |
| Geographical cover | Worldwide excluding the United States of America (“USA”) p.73 |
| Psychiatric treatment area | Hong Kong or designated hospitals in mainland China p.73 |
| 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 | HKD16,000,000, plus additional HKD6,000,000 for Greater China expenses p.73 |
| Lifetime limit | none p.73 |
| Deductible options | HKD25,000 p.73 |
| How the deductible applies | Per Policy Year. One-off right to reduce or remove deductible without re-underwriting at ages 50, 55, 60, 65, 70, 75, or 80. p.73 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for all prior outpatient visits/emergency consultations within 31 days before admission (1 visit/day); full cover for one prior visit/consultation 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/day) p.74 |
| General outpatient | none |
| Psychiatric treatment | Full cover for Hong Kong confinement; HKD40,000 per Policy Year for designated hospitals in mainland China. p.74 |
| Diagnostic imaging coinsurance | none p.74 |
| Non-surgical cancer treatment | Full cover, with an additional benefit of HKD2,000,000 per Policy Year p.74 |
| Kidney dialysis | Full cover for outpatient kidney dialysis; additional benefit of HKD2,000,000 per Policy Year for kidney dialysis incurred during confinement p.75 |
| Day case procedures | Covered as in-patient. Cash benefit of HKD3,600 per designated procedure or HKD1,800 per other procedure, once per day. p.75 |
| Home nursing | Full cover, maximum 196 days per Policy Year (within 196 days after discharge from hospital), 1 Registered Nurse per day 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), 1 visit per day p.75 |
| Physiotherapy | HKD120,000 per Policy Year for rehabilitation treatment p.74 |
| Congenital conditions | Covered as a pre-existing condition, 0% for first 30 days of Policy Year 1, 100% from 31st day of Policy Year 1 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.44 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, within 3 months of accident. p.52 |
| Hospital cash | HKD3,600/HKD1,800 for Day Case Procedure; HKD1,100/day (max 60 days) for top-up subsidy; HKD1,800/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 network for designated Day Case Procedures. p.55 |
| No-claim discount | 10% for 2-4 consecutive claim-free years, 15% for 5+ consecutive claim-free years. Extra discount for multiple policies. p.56 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine treatment and other alternative treatments (unless specified). p.28 |
At a constant age of 45, FWD has filed 1 schedule change on this plan since 2021, an average of +1.5% a year, taking the premium from HK$23,447 to HK$24,967.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | no change |
| 2025 | +6.5% |
| 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.