FWD vBooster Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00069-01-000-02. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$8,097 |
| 45 | HK$11,439 |
| 60 | HK$23,352 |
| 75 | HK$58,092 |
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 | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$8,000,000 |
| 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 | As stated in the schedule |
| 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.17 |
|---|---|
| Pre-existing conditions unknown at application | 0% for first 30 days of Policy Year 1, 100% from day 31 of Policy Year 1 p.27 |
| Waiting period | 30 days for unknown pre-existing conditions p.27 |
| Cancellation and refund | Full refund during 21-day cooling-off period. After cooling-off, cancellation with 30 days' notice if no benefits paid in policy year. Pro-rata refund for death of insured or company ceasing authorization. p.6 |
| Switching from another plan | Switching to a plan with upgraded/added benefits is subject to re-underwriting limited to the new benefits. Switching to a plan with downgraded/reduced benefits does not require re-underwriting but is subject to company discretion. p.19 |
| Room class | Standard Ward Room p.70 |
| If a higher room is used | If voluntarily confined in a higher ward class: Standard Semi-private Room (50% of expenses payable), Standard Private Room (25% of expenses payable), Above Standard Private Room (12.5% of expenses payable). p.56 |
| Geographical cover | Asia (Afghanistan, Australia, Bangladesh, Bhutan, Brunei, Cambodia, Mainland China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, New Zealand, North Korea, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Thailand, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam) p.70 |
| Psychiatric treatment area | Hong Kong only p.56 |
| Emergency treatment abroad | Worldwide, full cover p.70 |
| Full cover on core benefits | yes p.70 |
| Annual limit | 8000000 p.70 |
| Lifetime limit | none p.70 |
| Deductible options | 0 p.70 |
| 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.55 |
| Coinsurance | none p.31 |
| Pre-admission outpatient | 3 prior outpatient visits or emergency consultations per confinement/day case procedure p.71 |
| Post-discharge outpatient | 20 follow-up outpatient visits per confinement/day case procedure (within 90 days after discharge or completion of day case procedure) p.71 |
| General outpatient | none |
| Psychiatric treatment | 40000 p.71 |
| Diagnostic imaging coinsurance | none p.71 |
| Non-surgical cancer treatment | full cover p.71 |
| Kidney dialysis | Full cover for outpatient kidney dialysis; covered as miscellaneous charges for inpatient kidney dialysis; additional benefit for expenses in excess of basic benefits. p.71 |
| Day case procedures | Covered as inpatient benefits (room and board, miscellaneous, surgeon, anaesthetist, operating theatre, imaging, cancer treatment, pre/post-op outpatient care); cash benefit of HKD1,600 for designated procedures at designated providers or HKD800 for others. p.72 |
| Home nursing | Full cover, maximum 196 days per policy year (within 196 days after discharge from hospital following surgery or ICU admission), 1 Registered Nurse per day. p.72 |
| Hospice care | 100000 per Policy Year p.72 |
| Chinese medicine | HKD600 per visit, maximum 15 follow-up outpatient visits per confinement/day case procedure (within 90 days after discharge or completion of day case procedure), 1 visit per day. p.72 |
| Physiotherapy | Covered during confinement, as post-discharge outpatient care, and as part of stroke ancillary benefit (up to HKD1,000 per visit, max 30 visits/year, HKD100,000 per incident). p.24 |
| Pregnancy complications | Full cover for surgical procedures during confinement or day case 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, by a registered dentist. p.49 |
| Hospital cash | Day Case Procedure: HKD1,600 (designated) or HKD800 (other) per procedure. Top-up subsidy: HKD800 per day, max 60 days/year. Major/Complex surgery: HKD4,000/HKD8,000 per surgery. ICU in HK: HKD8,000 per confinement (if 3+ consecutive days in ICU). p.72 |
| Companion bed | Full cover for an extra companion bed for one person during confinement. p.44 |
| Direct billing and pre-authorisation | Available for designated Day Case Procedures through Designated Healthcare Services Providers network via service hotline reservation. p.51 |
| No-claim discount | 10% for 2-4 consecutive claim-free years, 15% for 5+ consecutive claim-free years. Extra discount for multiple policies. p.53 |
| Exclusions beyond the VHIS standard list | venereal and sexually transmitted diseases; Hair Mineral Analysis (HMA), immunisation or health supplements p.29 |
At a constant age of 45, FWD has filed 2 schedule changes on this plan since 2021, an average of +1.2% a year, taking the premium from HK$10,955 to HK$11,439.
| Year | Change |
|---|---|
| 2024 | no change |
| 2025 | +1.4% |
| 2026 | +3.0% |
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.