FWD vBooster Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00069-02-000-02. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$5,071 |
| 45 | HK$7,365 |
| 60 | HK$15,512 |
| 75 | HK$41,119 |
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, 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.17 |
|---|---|
| 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.27 |
| Waiting period | 30 days for unknown pre-existing conditions p.27 |
| Cancellation and refund | Full refund within 21-day cooling-off period; no refund after cooling-off period if policy cancelled p.6 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (subject to re-underwriting for new benefits) or downgrade/reduction of benefits (at company's discretion) p.18 |
| Room class | Standard Ward Room p.70 |
| If a higher room is used | If voluntarily confined in a higher ward class, a ward class adjustment factor is applied: Standard Semi-private Room (50%), Standard Private Room (25%), Above Standard Private Room (12.5%) 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.70 |
| Emergency treatment abroad | Worldwide p.70 |
| Full cover on core benefits | yes p.72 |
| Annual limit | 8,000,000 p.70 |
| Lifetime limit | none p.70 |
| Deductible options | 0, 16000 p.61 |
| 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.70 |
| Coinsurance | none p.31 |
| Pre-admission outpatient | 3 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure, full cover p.71 |
| Post-discharge outpatient | 20 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge), full cover p.71 |
| General outpatient | none |
| Psychiatric treatment | 40,000 per Policy Year p.71 |
| Diagnostic imaging coinsurance | none p.71 |
| Non-surgical cancer treatment | full cover p.71 |
| Kidney dialysis | Full cover for outpatient kidney dialysis; additional benefit of HKD2,000,000 per Policy Year for expenses in excess of basic and enhanced benefits p.73 |
| Day case procedures | Covered as in-patient, full cover for eligible expenses; cash benefit of HKD1,600 for designated procedures or HKD800 for others per procedure p.71 |
| Home nursing | Full cover, maximum 196 days per Policy Year (within 196 days after discharge from Hospital following surgery or ICU admission) p.73 |
| Hospice care | HKD100,000 per Policy Year for registered hospice stay for terminal illness p.73 |
| Chinese medicine | HKD600 per visit, maximum 15 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge) p.73 |
| Physiotherapy | Covered under pre- and post-confinement outpatient care (full cover); for stroke, HKD1,000 per visit, max 30 visits/year, max HKD100,000 per incident p.73 |
| Congenital conditions | Covered under the same terms as pre-existing conditions unknown at application (30-day waiting period, then full cover) p.27 |
| Pregnancy complications | Full cover for surgical procedures due to listed complications, provided diagnosis is at least 12 months after Policy Effective Date p.73 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, within 3 months of accident p.74 |
| Hospital cash | HKD800 per day of Confinement, maximum 60 days per Policy Year (if covered by other hospital reimbursement plans) p.74 |
| Companion bed | Full cover for an extra companion bed during confinement p.73 |
| Direct billing and pre-authorisation | Available for designated Day Case Procedures through Designated Healthcare Services Providers network, requiring reservation and identification p.51 |
| No-claim discount | 10% for 2-4 consecutive no-claim years, 15% for 5+ consecutive no-claim years p.53 |
| Exclusions beyond the VHIS standard list | purchase of durable medical equipment or appliances p.29 |
At a constant age of 45, FWD has filed 2 schedule changes on this plan since 2021, an average of +1.1% a year, taking the premium from HK$7,068 to HK$7,365.
| Year | Change |
|---|---|
| 2024 | no change |
| 2025 | +1.2% |
| 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.