FWD vTheOne Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00067-20-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$27,204 |
| 45 | HK$41,050 |
| 60 | HK$85,318 |
| 75 | HK$186,518 |
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, 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 | First 30 days of the first Policy Year no coverage; 31st day of the first Policy Year onwards full coverage p.26 |
| Waiting period | 30 days for unknown pre-existing conditions p.26 |
| Cancellation and refund | Full refund within 21-day cooling-off period, provided no benefit payment has been made p.6 |
| Switching from another plan | Switching to another plan with upgraded benefits is subject to re-underwriting for the upgraded benefits p.18 |
| Room class | Standard Private Room p.73 |
| If a higher room is used | 25% adjustment factor if voluntarily confined in a higher ward class than Standard Private Room p.61 |
| Geographical cover | Worldwide p.73 |
| Psychiatric treatment area | Hong Kong or designated Hospital list in mainland China p.74 |
| Emergency treatment abroad | Covered worldwide p.73 |
| Full cover on core benefits | yes p.74 |
| Annual limit | HKD20,000,000, plus additional HKD6,000,000 for Greater China if first limit used p.73 |
| Lifetime limit | none p.73 |
| Deductible options | 25000 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.74 |
| Pre-admission outpatient | Full cover for all prior outpatient visits/emergency consultations within 31 days before admission (1 visit/day), or 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 in Hong Kong; HKD40,000 per Policy Year in designated mainland China hospitals p.74 |
| Diagnostic imaging coinsurance | none p.74 |
| Non-surgical cancer treatment | Full cover, plus an additional HKD2,500,000 per Policy Year p.74 |
| Kidney dialysis | Full cover for outpatient kidney dialysis; plus an additional HKD2,500,000 per Policy Year 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.74 |
| Hospice care | HKD120,000 per Policy Year p.74 |
| Chinese medicine | HKD600 per visit, maximum 15 visits per Confinement/Day Case Procedure p.75 |
| Physiotherapy | Covered under pre- and post-confinement outpatient care and stroke ancillary benefit p.25 |
| Congenital conditions | Unknown congenital conditions covered after 30-day waiting period in year 1; known congenital conditions subject to case-based exclusion 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 | HKD1,800 per day for using a lower ward class in a private Hong Kong hospital, maximum 30 days per Policy Year p.75 |
| Companion bed | Full cover p.75 |
| Direct billing and pre-authorisation | Pre-authorisation for claim estimate available; network of Designated Healthcare Services Providers exists p.20 |
| No-claim discount | Yes, 10% for 2-4 consecutive years, 15% for 5+ consecutive years p.56 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances; traditional Chinese medicine treatment and other forms of alternative treatment p.28 |
At a constant age of 45, FWD has filed 1 schedule change on this plan since 2021, an average of +1.6% a year, taking the premium from HK$38,313 to HK$41,050.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | no change |
| 2025 | +7.1% |
| 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.