FWD vTheOne Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00067-16-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$9,122 |
| 45 | HK$12,279 |
| 60 | HK$27,568 |
| 75 | HK$61,979 |
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 | No coverage for first 30 days of the first Policy Year; full coverage from 31st day of the 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; after cooling-off, cancellation with 30 days' notice if no benefits paid in current policy year; pro-rata refund upon death of insured or company ceasing authorization p.6 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits is subject to re-underwriting limited to the new benefits; switching to a plan with downgraded/reduced benefits does not require re-underwriting but is at company's discretion p.18 |
| Room class | Standard Private Room p.73 |
| If a higher room is used | 25% adjustment factor if voluntarily confined in a ward class higher than Standard Private Room p.61 |
| Geographical cover | Worldwide excluding the United States of America (“USA”) for non-Emergency Treatment; Worldwide for Emergency Treatment 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 | Covered, but for Section 15 of Enhanced benefits, charges are reduced to 60%; other eligible expenses are subject to restrictions and formula on page 60. p.59 |
| Full cover on core benefits | yes p.75 |
| Annual limit | HKD16,000,000 per Policy Year, plus additional HKD6,000,000 for Greater China if first limit used up p.73 |
| Lifetime limit | none p.73 |
| Deductible options | 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.31 |
| Pre-admission outpatient | Full cover for all prior outpatient visits or emergency consultations within 31 days before admission (1 visit per day); 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 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, with an additional benefit of HKD2,000,000 per Policy Year for expenses in excess of basic cover p.74 |
| Kidney dialysis | Full cover for outpatient kidney dialysis; additional benefit of HKD2,000,000 per Policy Year for expenses in excess of basic cover for inpatient and outpatient dialysis p.74 |
| Day case procedures | Covered as non-confinement service; cash benefit of HKD1,800 for designated procedures at designated providers, or HKD900 for others, once per day p.23 |
| 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 follow-up outpatient visits per confinement/day case procedure (within 90 days after discharge), 1 visit per day p.75 |
| Physiotherapy | Covered during confinement under miscellaneous charges; covered as follow-up outpatient care post-confinement; covered under stroke ancillary benefit (HKD1,200 per visit, max 30 visits, HKD120,000 per incident) p.23 |
| Pregnancy complications | Full cover for specified 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.75 |
| Hospital cash | HKD1,800 per day for confinement in a lower ward class in a private HK hospital (max 30 days); HKD1,800/HKD900 for day case procedures; HKD2,000/HKD4,000 for major/complex surgeries; HKD4,000 for ICU confinement in HK p.76 |
| Companion bed | Full cover for an extra companion bed for one person during confinement p.75 |
| Direct billing and pre-authorisation | Available for designated Day Case Procedures at Designated Healthcare Services Providers via service hotline 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 | LASIK and any related tests, procedures and services; Hair Mineral Analysis (HMA); purchase of durable medical equipment including airway pressure machines and masks, portable oxygen and oxygen therapy devices, dialysis machines, exercise equipment, air purifiers or conditioners and heat appliances for home use 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$11,722 to HK$12,279.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | no change |
| 2025 | +4.8% |
| 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.