FWD vTheOne Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00067-22-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$14,049 |
| 45 | HK$20,777 |
| 60 | HK$42,221 |
| 75 | HK$93,791 |
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 | 0% year 1 (first 30 days), 100% from day 31 of year 1 p.26 |
| Waiting period | 30 days for pre-existing conditions unknown at application; 90 days for designated crises for deductible waiver p.26 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period; cancellation after cooling-off period with 30 days notice if no benefits paid in policy year p.6 |
| Switching from another plan | Allowed to switch to another plan, re-underwriting applies for upgrade of benefits, discretion to accept/reject for downgrade p.18 |
| Room class | Standard Private Room p.73 |
| If a higher room is used | 25% of eligible expenses covered if voluntarily using a higher ward class p.61 |
| Geographical cover | Worldwide p.73 |
| Psychiatric treatment area | Hong Kong and designated hospitals in mainland China p.74 |
| Emergency treatment abroad | Covered worldwide p.73 |
| Full cover on core benefits | yes p.76 |
| Annual limit | HKD20,000,000, plus additional HKD6,000,000 for Greater China p.73 |
| Lifetime limit | none p.73 |
| Deductible options | HKD80,000 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.27 |
| Pre-admission outpatient | Full cover for all prior outpatient visits/emergency consultations within 31 days before admission (1 visit/day); 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 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 HKD2,500,000 per Policy Year for expenses in excess of basic cover p.74 |
| Kidney dialysis | Full cover for outpatient kidney dialysis; additional benefit of HKD2,500,000 per Policy Year for expenses in excess of basic cover p.74 |
| Day case procedures | Covered as inpatient (full cover); cash benefit of HKD1,800 for designated procedures or HKD900 for others p.75 |
| Home nursing | Full cover, maximum 196 days per Policy Year (within 196 days after discharge from hospital) 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) p.75 |
| Physiotherapy | Full cover for post-confinement/day case outpatient care; HKD1,200 per visit, max 30 visits/year for stroke ancillary benefit p.74 |
| Congenital conditions | Covered under general pre-existing condition rules (0% first 30 days, 100% from day 31 of year 1 for unknown conditions) 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 | HKD600/day (max 60 days/year) for top-up subsidy; HKD1,800/day (max 30 days/year) for lower room class; HKD1,800/procedure or HKD900/procedure for day case; HKD3,000/major surgery or HKD6,000/complex surgery; HKD6,000/confinement for ICU 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; pre-authorisation for claimable amount estimate p.20 |
| 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 | Not Medically Necessary; Venereal and sexually transmitted disease or its sequelae; Prophylactic treatment or preventive care, including Hair Mineral Analysis (HMA) p.28 |
At a constant age of 45, FWD has filed 1 schedule change on this plan since 2021, an average of +1.9% a year, taking the premium from HK$19,192 to HK$20,777.
| Year | Change |
|---|---|
| 2023 | no change |
| 2024 | no change |
| 2025 | +8.3% |
| 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.