FWD vTheOne Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00067-23-000-02. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$11,590 |
| 45 | HK$16,726 |
| 60 | HK$33,988 |
| 75 | HK$75,502 |
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 | 90 days for designated crises for which deductible waiver applies p.66 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits paid; after cooling-off, cancellation with 30 days written notice if no benefits paid in current policy year p.6 |
| Switching from another plan | Switching to a plan with upgraded benefits is subject to re-underwriting for the upgraded benefits; switching to a plan with downgraded benefits does not require re-underwriting but is subject to company discretion p.18 |
| Room class | Standard Private Room p.73 |
| If a higher room is used | 25% ward class 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, but for Phase 3 Clinical Trial Drugs benefit, reduced to 60% if outside Greater China p.59 |
| Full cover on core benefits | yes p.74 |
| Annual limit | HKD20,000,000 per Policy Year, plus additional HKD6,000,000 for Greater China if the first limit is used up p.73 |
| Lifetime limit | none p.73 |
| Deductible options | 120000 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 |
| Pre-admission outpatient | Full cover for all prior outpatient visits or emergency consultations within 31 days before admission (1 visit/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/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 for basic benefit; additional HKD2,500,000 per Policy Year for expenses in excess of basic benefit p.74 |
| Kidney dialysis | Full cover for outpatient kidney dialysis; additional HKD2,500,000 per Policy Year for expenses in excess of basic benefit for both inpatient and outpatient dialysis p.75 |
| Day case procedures | Covered as in-patient; cash benefit of HKD1,800 for designated procedures at designated providers/mainland China hospitals, or HKD900 for other procedures p.76 |
| 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 | Covered during confinement under miscellaneous charges; covered as follow-up outpatient care post-confinement; covered under stroke ancillary benefit p.23 |
| Congenital conditions | Covered as a Pre-existing Condition p.35 |
| Pregnancy complications | Full cover for listed complications, provided diagnosis is at least 12 months after Policy Effective Date p.75 |
| Emergency dental | Full cover p.75 |
| Hospital cash | HKD1,000 per day (max 30 days/year) for using a lower ward class in HK private hospital; HKD6,000 per confinement for ICU stay in HK (min 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.55 |
| 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 | Hair Mineral Analysis (HMA), immunisation or health supplements 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$15,450 to HK$16,726.
| 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.