FWD vTheOne Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00067-19-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$42,399 |
| 45 | HK$63,979 |
| 60 | HK$132,975 |
| 75 | HK$290,282 |
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$20,000,000 |
| 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 | First 30 days of the first Policy Year no coverage; 31st day of the first Policy Year onwards full coverage p.26 |
| Waiting period | 90 days for deductible waiver for designated crises p.65 |
| Cancellation and refund | Full refund within 21-day cooling-off period; after cooling-off, 30 days written notice required if no benefit payment in policy year p.6 |
| Switching from another plan | Possible to switch to another plan, re-underwriting applies for upgrade of benefits p.18 |
| Room class | Standard Private Room p.73 |
| If a higher room is used | 25% of eligible expenses covered p.61 |
| Geographical cover | Worldwide p.73 |
| Psychiatric treatment area | Full cover in Hong Kong; HKD40,000 per Policy Year in mainland China p.74 |
| Emergency treatment abroad | Covered worldwide p.73 |
| Full cover on core benefits | yes p.75 |
| Annual limit | HKD20,000,000 per Policy Year, plus additional HKD6,000,000 for Greater China p.73 |
| Lifetime limit | none p.73 |
| Deductible options | 0 p.73 |
| How the deductible applies | Per Policy Year, one-off right to reduce or remove deductible at ages 50, 55, 60, 65, 70, 75, or 80 p.32 |
| 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), and 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 in Hong Kong; HKD40,000 per Policy Year in mainland China p.74 |
| Diagnostic imaging coinsurance | none p.74 |
| Non-surgical cancer treatment | Full cover, plus additional HKD2,500,000 per Policy Year p.74 |
| Kidney dialysis | Full cover for outpatient kidney dialysis, plus additional HKD2,500,000 per Policy Year p.75 |
| Day case procedures | Covered as per basic benefits (full cover), plus cash benefit of HKD3,600 for designated procedures or HKD1,800 for others p.23 |
| 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 p.75 |
| Physiotherapy | Full cover during confinement and post-discharge (within 90 days), also included in stroke ancillary benefit p.23 |
| Pregnancy complications | Full cover, subject to 12-month waiting period from Policy Effective Date p.75 |
| Emergency dental | Full cover for emergency treatment due to injury within 3 months of accident p.52 |
| Hospital cash | HKD3,600/HKD1,800 for Day Case; HKD1,100/day (max 60 days) for top-up; HKD1,800/day (max 30 days) for lower room class; HKD15,000/HKD30,000 for major/complex surgeries; HKD30,000 for ICU confinement p.75 |
| Companion bed | Full cover for an extra companion bed p.44 |
| Direct billing and pre-authorisation | Available through Designated Healthcare Services Providers for designated Day Case Procedures p.54 |
| No-claim discount | 10% for 2+ years no claims, 15% for 5+ years no claims; extra discount for multiple policies (2.5% to 10%) p.56 |
| Exclusions beyond the VHIS standard list | venereal and sexually transmitted disease; Hair Mineral Analysis (HMA); sterilisation, sex reassignment, sexual dysfunction; purchase of durable medical equipment 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 +2.7% a year, taking the premium from HK$57,184 to HK$63,979.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | no change |
| 2025 | +11.9% |
| 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.