FWD vBooster Medical Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00069-03-000-02. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,198 |
| 45 | HK$6,201 |
| 60 | HK$13,536 |
| 75 | HK$35,204 |
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 | No coverage for first 30 days of first policy year; full coverage from 31st day of first policy year onwards p.27 |
| Waiting period | 12 months for pregnancy complications p.44 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits paid. After cooling-off, cancellation requires 30 days notice and no benefits paid in policy year. p.6 |
| 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: 50% for Standard Semi-private, 25% for Standard Private, 12.5% for Above Standard Private. 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.60 |
| Psychiatric treatment area | Hong Kong only p.56 |
| Emergency treatment abroad | Worldwide p.70 |
| Full cover on core benefits | yes p.71 |
| Annual limit | 8000000 p.70 |
| Lifetime limit | none p.70 |
| Deductible options | 0, 25000 p.61 |
| How the deductible applies | Per policy year, with a one-off right to reduce or remove without re-underwriting at ages 50, 55, 60, 65, 70, 75, or 80. p.55 |
| Coinsurance | none |
| 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; additional benefit of HKD2,000,000 per policy year for expenses in excess of basic benefits p.72 |
| Day case procedures | Covered as in-patient for basic benefits; cash benefit of HKD1,600 for designated procedures or HKD800 for other procedures p.72 |
| Home nursing | Full cover, maximum 196 days per policy year (within 196 days after discharge from hospital following surgery or ICU admission) p.72 |
| Hospice care | 100000 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) p.72 |
| Physiotherapy | Full cover during confinement and pre/post-confinement outpatient care; HKD1,000 per visit for stroke ancillary benefit (max 30 visits/year, HKD100,000/incident) p.72 |
| Pregnancy complications | Full cover for specified complications, subject to 12-month waiting period from policy effective date p.44 |
| Emergency dental | Full cover for emergency treatment to sound natural teeth due to injury, if provided within 3 months of accident p.49 |
| Hospital cash | HKD800 per day (max 60 days/year) for top-up subsidy if covered by other plans; HKD8,000 per confinement for ICU in Hong Kong 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, requires reservation via service hotline 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 | purchase of durable medical equipment or appliances; traditional Chinese medicine treatment and other alternative treatments; expenses reimbursed by other insurance or third parties p.29 |
At a constant age of 45, FWD has filed 2 schedule changes on this plan since 2021, an average of -0.3% a year, taking the premium from HK$6,278 to HK$6,201.
| Year | Change |
|---|---|
| 2024 | no change |
| 2025 | -4.1% |
| 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.