FWD vTheOne Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00067-18-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,452 |
| 45 | HK$8,543 |
| 60 | HK$18,712 |
| 75 | HK$41,079 |
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 day 31 of Policy Year 1 p.26 |
| Waiting period | 90 days for designated crises (deductible waiver); 12 months for pregnancy complications p.44 |
| Cancellation and refund | Full refund within 21-day cooling-off period; no refund after cooling-off period if benefits paid p.6 |
| Switching from another plan | Switching to a plan with downgraded or reduced benefits does not trigger re-underwriting, but is subject to company discretion p.17 |
| Room class | Standard Private Room p.73 |
| If a higher room is used | 25% ward class adjustment factor if voluntarily confined in a room above Standard Private Room p.61 |
| Geographical cover | Worldwide excluding USA for non-emergency treatment p.73 |
| Psychiatric treatment area | Hong Kong or mainland China p.74 |
| Emergency treatment abroad | Worldwide, subject to reduction to 60% for Phase 3 Clinical Trial Drugs benefit p.59 |
| 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 base limit used up p.73 |
| Lifetime limit | none p.73 |
| Deductible options | 0, 250000 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.58 |
| Coinsurance | none p.31 |
| Pre-admission outpatient | 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 | All follow-up outpatient visits within 90 days after discharge or Day Case Procedure (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 additional HKD2,000,000 per policy year for expenses in excess of basic cover p.74 |
| Kidney dialysis | Full cover for outpatient kidney dialysis, with additional HKD2,000,000 per policy year for expenses in excess of basic cover p.75 |
| Day case procedures | Covered as in-patient under basic benefits; cash benefit of HKD1,400 for designated procedures at designated providers 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 visits per confinement/day case procedure within 90 days after discharge p.75 |
| Physiotherapy | Full cover for pre- and post-confinement/day case outpatient care; HKD1,200 per visit, max 30 visits per policy year and HKD120,000 per incident for stroke ancillary benefit p.74 |
| Congenital conditions | Covered under pre-existing condition rules (0% for first 30 days of Policy Year 1, 100% from day 31 of Policy Year 1) if unknown at application p.26 |
| Pregnancy complications | Full cover for specified complications, after 12 months waiting period from 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 | HKD600 per day (max 60 days/year) for top-up subsidy; HKD1,000 per day (max 30 days/year) for lower ward class; HKD4,000 per confinement for ICU stay of 3+ days p.76 |
| Companion bed | Full cover p.75 |
| Direct billing and pre-authorisation | Available through Designated Healthcare Services Providers network for designated Day Case Procedures p.54 |
| No-claim discount | 10% for 2-4 consecutive claim-free years; 15% for 5+ consecutive claim-free years p.56 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine and other alternative treatments (unless specified); treatments not Medically Necessary p.28 |
At a constant age of 45, FWD has filed 1 schedule change on this plan since 2021, an average of +2.4% a year, taking the premium from HK$7,737 to HK$8,543.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | no change |
| 2025 | +10.4% |
| 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.